BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of XXXX and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. XXXX also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of XXXX and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. XXXX also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I asked for XXXX XXXX/ XXXX  XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Green Tree Servicing lost all my personal papers when switching over to ditech receiving harassing phone calls starting at XXXX XXXX. to XXXX tried to call them back they would give me the runaround transfer me tried to say I was behind on a payment I have reference numbers to prove I wasn't found out my money was in lingo they serve me papers 4 court the paper said I was served was not for me they were for somebody else I've got their personal loan information different name wasn't even my name they makes my lawn up with somebody else 's loan I've called several times they said they can't explain it I said I need it fixed now they're trying to put me in foreclosure with somebody else 's stuff

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: ERC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report yesterday, and Enhanced recovery Co LLC added a collections account for {$640.00}. I was never notified via mail about any debt owed to this company. I was suppose to receive written notification of any attempts to collect debt PRIOR to it being reported as a collections account. I have no signed contract with this company. This is not my debt. I do not know who Enhanced recovery is. My rights under the FDCPA have been violated. I will take immediate legal action against this company. I want Enhanced recovery Co to Cease and refrain from reporting false debt to all credit bureaus. I want Enhanced recovery to immediately remove this false reporting from my credit file with all credit bureaus. My credit character and credit worthiness has been defamed! I will follow up with immediate legal action against Enhanced recovery Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Theres currently 3 months of late payments from XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX listed on my XXXX XXXX, XXXX and Equifax credit report. I have never made a late payment on my XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account, XXXX XXXX XXXX XXXX  credit card account, or XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. All of my payments I have made to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX for my credit card account has been on time payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Transunion sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please update and correct my account right away. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was open fraudulent this debt is now sold again for the third time i dnt owe this debt i do not have a contract with midland credit management please remove from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My home mortgage loan was bought out by another company ( XXXX XXXX ). I would usually pay the loan a month or two in advance with my former company and the process worked fine. When the new company XXXX XXXX took over my loan and I continued the same process of paying the loan in advance, instead of applying my payment to my regular loan, they applied it to my principal and later reported that I had not made my payment on time. I had payed on time but they did not apply my payment correctly. According to my credit report that I am sure they reported erroneously, I did not make a payment in XXXX of XXXX which has hurt my credit score. They have reported the same exact thing in XXXX of XXXX which is another error. I did make that payment! They need to fix these errors that they are making because of their faulty book keeping and reporting practices. I need to have the late payment report from both XXXX of XXXX and the no payment of XX/XX/XXXX reported truthfully. It was not until this week that I finally cleared this up with the loan company XXXX XXXX. Initially the person I had talked to on the phone told me that if I sent the payment to a specific address, that it would be handled by a real person and not an automated system. on a subsequent phone call I was told that all of the payments were done in an automated system It was only after speaking to a supervisor at the company ( because the regular person on the phone couldn't help me ) that he finally said that he is going to place a notice on my account so that payments made up to three months in advance are credited as a payment for my loan rather than an extra principal payment. He said that a small percentage of clients do pay early ( as I do ) and have this notice placed on their account. It has taken XXXX XXXX all of this time to finally do something about this. I hope they do the right thing and change my report and remove the late payment entry. They said on the phone message when you call them that they " record phone calls for training purposes '' so the entire conversation is on record with them if you would like to investigate it. I am so disgusted with the service from this company. It has only brought me stress and made me waste time on the phone with them. I will report in the future if they did the right thing or not. If nothing is written as a follow up to this it means they have not corrected the situation and screwed up my perfect credit because of their incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have banked with Navy Federal since XXXX. I still bank with them actually today in XXXX. I recently applied for two refinancing car loans. I received a email and text confirmation that navy Federal approved one of the car loan. The following day they called me from the charge off department stating that I had a charge off so they couldn't approve the car loan. I asked them when and how much was the charge off. They stated that it was from XXXX and the amount was {$1200.00} or something rather. I told them that I've never been notified about this account and that my information has always been up to date. They stated that they sent out a notification XX/XX/XXXX and that was the last time they sent something. So from XX/XX/XXXX until XX/XX/XXXX I was never notified by anyone from the financial institution that there was ever a charge off on my account. I was still getting bank statements for this " charge off '' account in XXXX with a positive balance. They stated they dont keep anything past 7 years. They stated if I set up automatic payments then they will lift the charge off so the loan can go through. I did so. They transfered me to the loan department and they said they can't do anything about it that it was the charge off department. So now I've been on the phone for 4 hours getting transferred from the loan department and the charge off department. And no one is on the same page as the other. I spoke with 4 employees and 3 supervisors and no one was of any help. Here is the kicker. From XXXX to now I have financed and refinanced 5 cars, 2 personal loans, and 2 credit cards. Which were all approved! Not to mention they approved my loan to the other car the day before! They told me that the charge has always been there and no one should have approved any of my loans. I nor my spouse was told anything when we applied. We still have 4 car loans, 2 personal loans, 2 credit cards, 3 saving accounts, and 2 checking accounts from navy Federal. If navy Federal can not tell me where and when this charge off happen besides how it just miraculously popped up, im not going to shell out {$1200.00} for an error that navy Federal fail to do. It is not on my credit report and they stated it is not going to be because it was not a loan but I have had a charge off checking account with another bank years and years ago ( XXXX ) and that was on my credit report. Navy Federal employees and supervisors can not give me a direct answer besides I need to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020, I immediately contacted my bank to report a scam. After explaining to them my situation, they explained to me that they can refund my funds back into my account but since I said that it was a scam, they immediately went back on their word. Telling me that they can not do that for me because its against policy yet I was scammed out of money using their bank. I went through many different representatives and with so much false hope they were giving me, I was finally told that they couldnt get my funds back from the scammer but could if it was a fraudulent transaction? Beyond disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 15th Endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) # Credit Bureaus are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2019 I received a phone call from Navy Federal Credit Union in regards to a debt. Upon answering the phone, the individual on the line simply asked if I was the account owner and proceeded to disclose information related to the account. I was told the exact amount of money owed on said accounts, the nature of my past communications with the bank ( citing exact details about the phone call ), all without actually verifying my identity. Once I presented the question " Aren't you going to verify my identity? ", I was told that as long as they had my name there was no further verification necessary. 

They stated on multiple occasions that this is to be standard procedure and the supervisor I spoke with read off the Navy Federal Policy on out going calls. Had this been a phone call regarding something trivial, that would be one thing. But the representative on the line insisted that I was in the wrong and this procedure was acceptable. After getting off the phone I called NavyFederal to speak to a supervisor in a department outside of collections and the employees in those departments had a contrasting and profusely apologized for the incident. I don't know how this works, and even though it was me in fact answering the phone, that doesn't mean it won't impact somebody else in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed several disputes with Experian regarding inaccurate information and one of the items is a XXXX account that only Experian is reporting still. I have sent proof that XXXX removed it multiple times yet EXPERIAN claims it is valid when they do respond or 2 of my disputes still have not been responded to and it has been well over 30 days for each of them. 
I called Experian today and the rep told me to file another complaint on here and attach the document again and they will remove it. I should not have to fight 5 years to get this erroneous item removed! 5 yrs it has been on my credit and I have had XXXX for 17 yrs! never have switched phone companies. 
You are affecting my financing and because of that and all the proof I have of my complaints & your responses my attorney said it is grounds for a law suit. 
The next correspondence will be from my attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation