BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTA! I do not believe I am late on the dates these accounts reports. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX, IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX : XXXX performed a hard inquiry on my Equifax credit report without my consent. On XX/XX/XXXX I received a credit alert via text message. I contacted XXXX on XX/XX/XXXX at XXXX. I told the representative I had an inquiry on my report even thought I did not apply for service. I was told it was due to debt collection and associated with the previous user. I informed them that I have had the phone number since XX/XX/XXXX. I was told the inquiry would be removed. It has been nearly two weeks and the inquiry is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am reaching out because I need assistance in resolving this issue. I tried logging into my account after I got off work on Friday XX/XX/28. Upon logging into the account, I was unable to make a payment. The system required me to make two payments. I then tried to call the payment center to make a payment by phone. Because I have a loan modification application, the system directs you to speak to a representative. Because it was after hours I could not make the payment. I am now required to make 2 payments in order to bring my account current. 

I am being punished for having a loan modification on file. It seems as Amerihome is purposefully keeping me from making a payment on my account. I was told in order to make a payment I could pay a fee or mail the payment in. I made the payment. Now, I have to suffer with a late payment on my credit report which is unfair. 

I have also reached out for assistance with my mortgage loan to get a reduction in my mortgage payment which includes prinicipal. I am dealing with a property underwater, sewage system failing and I am still fighting desperately to keep my home after being diagnosed with XXXX. And having 5 XXXX. Durning this process, I submitted a signed letter from the doctor which showed the time I was required to have off work. amrihome then required me to give the reason for the diagnosis. I had to disclose the XXXX, which I feel is a invasion of privacy. If I have a signed document from a doctor that should have been suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTA! I do not believe I am late on the dates these accounts reports. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : 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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Thursday, XXXX XXXX, I heard about the hack Equifax suffered and checked to see if I was impacted. I checked using https : //www.equifaxsecurity2017.com/ and got a message that said that my information was compromised. I could n't get them the freeze my credit, and even if I did, it would 've cost me money to freeze my credit for their own mistakes which is such a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Dear CFPB, The purpose of this letter is to inform CFPB that I have asked Equifax, XXXX and XXXX to remove all inaccurate and unverified information off on my consumer credit report. I have not been notified by any of the 3 credit reporting agencies of their intent to remedy this damaging description. It has been more than 30 days, I am requesting CFPB to investigate this gross error and demand correction for violating my rights under the FCRA. 

Each bureau was notified via letters on 3 separate attempts to correct this error, to no avail. The original letter is dated XX/XX/2021 ( please see attached documentation ). Thank you in advance for your assistance and I am looking forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Certegy Holdings, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 an unauthorized debit was made to our checking account in the amount of {$8500.00} The only information I have is that it was a credit card payment by phine to a company named Certegy Check Services telephone # XXXX I tried reaching out to company and no one picks up phone or returns my calls when messages are left. My bank which is XXXX tells me there is nothing they can do. This is very frustrating because it may just be a matter of someone entering wrong account number but I can't seem to get any information at all. 
This is a business checking account

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 2022-09-03
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Source XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX BANK XXXX is completely inaccurate. 
The date of last activity is different across all three consumer reporting agencies. 
The high credit amount is reporting on XXXX XXXX but not XXXX or Experian. 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

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 2018-10-14
Company: Experian Information Solutions Inc.
State: PR
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:
A charge off account appears in my credit. Never heard of the company before - XXXX XXXX. Contacted them, inquiring about this charge. A camera was purchase with my credit and delivered to an address is not mine. I told them this was fraud ; it wasnt me. They told me will take care of this. In XX/XX/XXXX still in my credit and try to dispute this through EXPERIAN and Now it says will remain in my credit until XXXX. It is obvious some one else purchased this and delivered it to their address.

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 2018-02-05
Company: Experian Information Solutions Inc.
State: MN
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 had a XXXX XXXX credit card through XXXX that was closed with a {$0.00} balance in XXXX. XXXX confirmed this with me on the phone on XX/XX/18. However, Experian is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, XXXX is telling Experian there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!

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 2022-12-12
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act : XXXXXXXXGENESIS RETAIL XXXX XXXX GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : also states a consumer furnish an account without any written instructions.

15 1666B : A creditor may not treat a payment on a credit card account under an open - end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Affirm claims I didn't pay a debt, which I did. They claim they sold my unpaid debt to XXXX XXXX, who never contacted me or gave me a chance to dispute the debt. I contacted XXXX XXXX who said they don't have the debt and it is with Affirm. Affirm repeatedly tells me that they don't have the debt and its with XXXX XXXX. Meanwhile, they are reporting this on my credit report and they are refusing to allow me to pay it ( even though I dispute it ). I have been denied credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$470.00} XXXX XXXX {$1400.00} XXXX {$270.00} XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-06-08
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I spoke with Sallie Mae regarding a loan my ex-husband has and I am a co-signer. The customer service rep did speak to me. However, when I asked about options since I am unable to afford payments, the only option given was to pay the $ XXXX+/month. My ex husband states he has never received the paperwork needed to file forgiveness based on total XXXX. I asked they send it to my email address. I was told they could not do that since I am only the co-signer. I then asked them to please send another set of paperwork to him at his address and and email. I was told I could not request the paperwork be sent only he can. I am the cosigner. I am being threatened with default. I am trying to make sure the paperwork is received and then filled out, but get a stopped when trying. If they can threaten me over the payment, why can I not request paperwork be sent? It appears no matter what we try to do, they will make it difficult to get this resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XX/XX/2023 I made two payments in the amount of {$110.00} and {$200.00} to my XXXX XXXX cards. The funds were to be withdrawn from my Navy Fed checking account. On XX/XX/2023 when the funds were presented I didnt have enough to cover both transactions so I was charged {$29.00} for Insufficient Funds twice. Once I discovered I didnt have enough to cover on XX/XX/2023 I immediately deposited {$300.00} into my account. which brought my acct to {$290.00}. XX/XX/2023 The {$110.00} was represented. on XX/XX/2023 When I looked at my account again I realize I didnt have enough to cover the {$200.00} so I deposited {$45.00} which brought my account to {$220.00} on that same day Navy Fed charged me with another {$29.00} Insufficient Funds fee however my account had enough money to cover the charge. On XX/XX/2023 I deposited another {$100.00} in my account which brought my account to {$290.00}. On XX/XX/2023 Navy Fed yet again charged my another {$29.00} Insufficient Funds. 

I accept that at first I didnt have enough to cover my transaction, however I attempted to correct the issue by making deposits. As a consumer who have limited funds and attempting to pay my bills on time, it was disheartening to see {$110.00} being deducted from my account. How am I able to have enough if the bank continues to charge multiple Insufficient Funds for the same transaction? I believe this unfair to the consumer and its really causing me mental distress and other emotional issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax was hacked, exposing my personally identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am working with Mortgage company Ditech. A year ago their website stopped working to make online payments. I tried to pay using different, computers, browser engines and I kept getting the same message " UNABLE TO LOCATE ACCOUNT ) on XX/XX/XXXX I called the company and I got no help their only solution was for me to use a different bank to make online payments, that did not work either in XX/XX/XXXX I continued trying to see if there was any fix on the website and I still had the same problem. I called again and their answer was, It is not on our end is on your end do the payments in any other way. I have been paying late fees {$48.00} because every time I use other methods the payment does not arrive on time. I Called on XX/XX/XXXX and the customer service representative did not offer any solutions other than tell me to email customer service, which I have done in the past and no one ever answer the emails or offer any solutions. I am really frustrated and disappointed with this mortgage company. I am paying late fees because of a mistake on their end. The customer service person XXXX told me that they don't have an IT department, so I question if when I enter my bank account my privacy is being protected, if the can't fix this glitch are the accounts Ditech mortgage owners secure from hackers? Why do they advertise make payments online, when that feature does not work? Is this a scam to make mortgage owners pay late fees? 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
On XX/XX/2022, I submitted a dispute regarding the reported incorrect balance yet again to all three bureaus. I provided documents directly from the lender again and the agent reviewing my information at XXXX did not attach my documents sent in for the dispute, yet closed it without verifying the information attached. I am sure that all the bureaus are doing the same. I called and spoke with another but helpful representative at XXXX who saw my dispute and stated that " she '' did not attach my supporting documents and did a manual request and attached the files to be reviewed. I have been disputing this information for over 12 months with all 3 bureaus and never have the attached documents from the lender been considered due to the scripted automated replies.

Company response to consumer: Closed with explanation