BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )

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 2023-09-06
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I tried to work with the new company that took my loan. When I was under XXXX they kept telling me the defer or forbear my loan instead of being put on IDR. I don't remember dates. I'm just tired of feeling like my complaints are going nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX purchased my Mortgage in XXXX. It was paid in full on XX/XX/XXXX. They reported me 30 days late for XXXX. They admitted today they did it. It is against the law for them to report me late within the 60 day grace purchase after a loan is transferred to a new servicer. They said that this cant be fixed until XXXX when they report it again and fix it. This is unacceptable. This needs fixed immediately as it has had a major impact on me and my wifes credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX late payments have been on my credit report for 7 years. Capital One still have the late payment on my account. I have called and asked for the company to have the late payments removed. No resolution. 
The late payments was in XXXX, XXXX, XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to work with Wells Fargo Home Loans for a few years to get a Loan Modification. We have submitted many documents and were represented by an attorney at one point. We recently received numerous phone calls from a real  estate XXXX XXXX XXXX stating that they represent the new owner. 
We never received any notice of a foreclosure sale concerning our home. 
We were under the impression that XXXX XXXX XXXX was submitting documents for a loan modification on our behalf. 
We do not know to do in a situation like this. We are being harassed by two real estate agents.

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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You have the wrong social security number for me!! I was using a service to repair my credit and they brought it to my attention. The one you have on file is incorrect.

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 2023-05-03
Company: Experian Information Solutions Inc.
State: FL
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: PA
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:
Recently, I did an investigation on my credit report which coused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: GA
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 have no knowledge or records of this account on my report. I have disputed this unknown fraudulent medical account with the reporting Collection Agent, ( copy enclosed with proof of their receipt ), and have had no valid response. 
Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. 
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX. 
Additionally your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) I also reserve the right to include your Bureau in any legal remedies I pursue. 

You compromised my personal information with your security breach YET allow companies to place fraudulent tradelines on my credit report. The same information YOUR company compromised is the SAME information someone needs to place fraudulent things on MY report that YOUR company furnishes. It seems as if equifax is in the fraudulent companies side vs the consumers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
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:
Contacted Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX for reporting and manipulating of my report for inaccurate information continue to update reports as charge with a balance name variation, credit inquires from unknown sources, renewed debts and refusal to remove inaccuracies. Connecting accounts to addresses that dont and have never belonged to me. Refusal to provide the information requested for the requested information for proper investigation. Changing my score without provide information that justifies the continual change in my score by over 100 points, continuing to mark a charge acvount with a monthly late payment history since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
coinbase.com locked me out of my account citing the need to verify my identity. No other financial institution has ever asked such things after account opening. I submitted the requested verification documents but they were denied. Since I have resubmitted many times and reached out to customer service with no feedback nor response. 
Initial submission of verification documents : XX/XX/XXXX - 3 separate attempts Initial email to customer service after failed attempts Next submission XX/XX/XXXX Email to customer service XX/XX/XXXX Next submission XXXX Email to customer service XXXX Next submission XX/XX/XXXX Email to customer service XX/XX/XXXX Submitted complaint on XXXX XX/XX/XXXX Its been nearly a month and they will not let me access my money nor digital currency. They are with holding these personal assets to which they have no rights. They will not respond to requests and we have been patient enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Simple ( an online bank ). They sent me a debit card and asked me to fund the account. I deposited {$2000.00} in the account and started using the debit card. One or two days later, they froze my account and ask me to submit sensitive documents online ( picture of social security card, bank statements, etc. ) I said that I was not comfortable doing so and would like to close the account. They replied saying that I can not take any action before verifying my identity. Two years later, the funds are still sitting in the account and I have no way of withdrawing them. 

tldr ; funded an account only to have my money frozen for more than two years with no way to get it back without uploading a copy of my social security card online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never been late with these accounts, and I kindly request that you update my credit report accordingly.

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 2020-09-17
Company: Experian Information Solutions Inc.
State: IL
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:
My credit report should reflect my loan payments are in fact up to date. If the same company is reporting the information then all the bureaus should have the same information. Due to Experian claiming that 8 late payments were just verified. Id like the method of verification.

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 2018-09-30
Company: EQUIFAX, INC.
State: CO
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:
XXXX, XXXX, and Equifax are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). 
Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account 1. XXXX XXXX XXXX ( Acct Opened XX/XX/XXXX ) Months showing Late XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion website at https : //www.transunion.com/ blocked me from logging in. So I called in and pressed 1, and asked for my username and password. A XXXX  woman issued me a temporary password and told me to wait 10 minutes. After waiting and attempting to log in the password did not work. I called back again and the same thing happened again. Someone with a thick accent gave me a temporary password and it did not work. They kept giving me passwords that did not work no matter what.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My home address and employment is wrong my home address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX. Throughout the entirety of the loan i made all payments on time. The last payment to be sent in to Wells Fargo Bank would have been from the dealership. Since I traded it in to XXXX XXXX of XXXX. I have asked the bank repeatedly to fix the one late payment and they have refused. They also show the account as closed and not payed as agreed. I am being held responsible for the mistake of the Dealership. And the loan showing as a closed vs a Paid as Agreed account is really affecting my credit score. 
I have also recently contacted the bank directly and was asked to dispute this again but the credit bureau said that it has been disputed twice already.

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 2023-09-05
Company: ALLY FINANCIAL INC.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. ALLY FINCL XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ALLY FINCL customer service representative.

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 2020-07-08
Company: Yamaha Motor Finance Corporation USA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
InXX/XX/XXXX, I paid off a boat loan that originated with XXXX XXXX, but taken over by Yamaha Motor Finance in  XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX showing that the loan had been paid off and the account was closed. I still had not received the title as of that time. I had contacted Yamaha Customer Service in XXXX after I received confirmation that the money I sent to pay off the loan had cleared my bank. I asked how I could expect before I received the title and was told 30-45 days. When I still had not received the title by XXXX, I contacted Yamaha again and spoke to a supervisor. He told me that he had placed another request in to the department that takes care of titles to see where it was and why it was taking so long. I waited the allotted time that the supervisor told me to wait and still no title, no phone call or no email. I called Customer Service again and asked to speak to the same supervisor. He was there and told me that the only thing he could do was place another requisition to the collateral department and told me that he would absolutely contact me back with 24-48 hours to give me an update. He also informed me that the only way he could converse to the collateral department was through company email, that he could not call them directly. I waited four days and no return call or information. I began researching online for Yamaha Motor financing and was able to locate an email address for the collateral department. I gave them all the pertinent information about my account and the problem I was having with the title. As of today, I still have had no call back, no notification, no outreach or comment from Yamaha or their collateral department. It has been four months now since this process began and no email or contact from Yamaha. The sale of this boat to an individual is pending the delivery of the title. I am already very displeased with the service I am receiving from the company. If the gentleman backs out of the purchase of my boat, I will be extremely upset as it will intensify my already struggling financial situation. I am unable to attach a copy of the email sent to the collateral department, as well as the email I received from XXXX XXXX. I can inform you that the email from me to the collateral department was made XX/XX/2020 and the email from XXXX XXXX showing the account had be closed was received by me on XX/XX/2020.

Company response to consumer: Closed with explanation