BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: TX
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:
The Hard inquires attached to the documents are unauthorized and have been furnished to my consumer reports. I have files a report with the FTC and have a identity thief report generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: WELLS FARGO & COMPANY
State: MN
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:
The scammer sent me a {$2900.00} Cashiers Check through mail and an offering of a XXXX XXXX XXXX job pledging to pay a {$300.00} for each survey made. He ordered me to deposite the check into my acount. I deposited the check on XX/XX/2020 and the bank cleared the check and posted the funds on my account on XX/XX/2020. The scammer was following and ordering me to do his job order with great impulse and warp speed. He asked me to check whether the funds are available in my account. I told the scammer the funds are available in my account. He order me to purchase a total of {$2600.00} gift cards and a {$25.00} Cashiers Check pable to XXXX XXXX. As per his order, I purchased a {$1000.00} XXXX and a {$1600.00} XXXX gift cards and a {$25.00} Cashiers Check. He order me to scratch the purchased gift card PIN number and take a picture and then send to him. Shortl I did all the scammers job order, the bank notified me as I overdrwan the funds and my account balnce is under XXXX. The scammer uses other phone number ( XXXX ) and name. Using his second phone number he sent me this message : Go ahead through XXXX and mail it to below information and make sure you put the receipt inside it okay Receiver 's Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ... .... : XXXX XXXX ... ... : TX Zip Code ... : 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 explanation
Consumer complaint received 2021-01-24
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refinancing with freedom mortgage. I experienced financial difficulties due to the pandemic. I talked to several freedom mortgage financing officers during the months of XX/XX/XXXX through XX/XX/XXXX. The workers are very unknowledgeable about the refinance process. I was given incorrect information each time I called. I co own my house. The other party had not experienced financial difficulties and was willing to remove me from the loan. Again, after talking to several loan officers from freedom mortgage, I was told that the streamline refinance would be the best option but I wouldnt be able to be remove myself during the process. The calls should be recorded and their employees need retraining. I was stuck in a tough situation and didnt see the light at the end of the tunnel with no help from freedom mortgage. I decided to enter the covid relief forbearance in XXXX of XXXX. I thought I would be able to pay at the end of the forbearance. Freedom mortgage sent me several letters by certified mail telling me I was late on my payments. The notices were terrifying and caused me to sell personal items to make the payments. I was terrified of what they would tell me after the forbearance. They reported to the credit agencies that my payment were on time but my payments had increased. ( Not sure if it was because of the interest accumulating ) This caused a decrease in my credit score. During the covid forbearance XXXX XX/XX/XXXX XXXX the co borrower tried to refinance and remove me from the loan but the application was denied. She was told that she couldnt refinance because payments were late during the months we were in forbearance. We were told to wait 6 months. I have a FHA loan through freedom mortgage. I feel this is so unfair. We tried to refinance before entering the forbearance but was given incorrect information by their representatives. Does the Cares act not protect consumers when it comes to refinancing and late payments during a forbearance? We were never late with a payment before entering the forbearance. Why woulda payment be considered late during a FORBEARANCE?

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 2020-07-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.

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 2020-07-15
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: Account information incorrect

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.

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 2023-02-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, Complete Payment Recovery Services contacted me about an account, but they did not identify themselves as CPRS. I would not discuss personal information over the phone, and then did not send a validation notice. On XX/XX/2023, they called again, this time identifying themselves, and I stated again that I would not share information over the phone. I did request that they send a written validation notice from a verified agency. However, they stated they wouldnt discuss it with me and hung up on me I called back approximately 30 minutes later and stated I would be willing to communicate after receiving a written validation notice. They once again stated they would not discuss it with me. I said I dont need to discuss it over the phone, but they do need to send a validation notice. The person on the phone once again hung up on me as I was talking.

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 2023-05-23
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. 

The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. 

I have been in the hospital with XXXX  for a while and recently was released and can now address this matter. 

I Demand XXXX  XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
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:
To whom it may concern : After reviewing my ChexSystems report I noticed that a XXXX XXXX account is still reporting on my file. Ive expressed before that this business bank account was created without my knowledge. I have disputed this before and it was removed. I see it has been put back on my report. Since this issue continues to linger, Ive filed a formal police report and FTC Affidavit.  This notice is to inform you that I have become a victim of identity theft. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I request that this information be deleted from my profile. I am 100 % willing to work with Chexsystems to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this incorrect account from my report.

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 2020-07-15
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 is missing that should be on the report

Complaint:
Contacted XXXX XXXX since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as Experian does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from XXXX XXXX that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.

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 2022-12-06
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 section 604 a section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
( 1 ) Filed for Modification for Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX ; ( 2 )  Contacted Navy Federal Credit Union about Modification. Faxed additional documents ; ( 3 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status. No Response. 

( 4 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status and requested written response. No Response. 

( 5 ) Telephoned Navy Federal Credit Union and was advised that a Representative would contact me regarding Modification. No Contact.

( 6 ) Faxed letter on XX/XX/XXXX to Navy Federal Credit Union regarding Modification Package. No Response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Account status incorrect

Complaint:
To whom this may concern, I'm in process of purchasing a new home however upon obtaining my credit report, I discovered some inaccurate information on my XXXX... Equifax and XXXX reports .... also, some inquiries ... collections and delinquencies that weren't authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: Experian Information Solutions 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:
When I received my free Experian credit report there was a charge-off in the amount of {$210.00}. from XXXX. I immediately filed a dispute w/ Experian as I had no knowledge of this account and certainly had not opened it. Three weeks later I received a reply stating the information had been verified as accurate. That is to say the account was really mine. When they " investigated '' obviously they took the word of credit-grantor w/o question. Had they bothered to do the most cursory investigation they would have found the address the creditor had used was over 400 mi. away from my current address and one I had not lived at for 15 yrs! Of course, it was impossible to speak to a real person at Experian as all the phone numbers were endless loops of voice prompts.

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 2021-05-20
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I contacted chime bank on XX/XX/XXXX livid because they closed my account after 2-3 years or longer banking with them receiving the same direct deposits. They claimed there was non compliance with Direct Deposits. 1st violation they closed my account with ZERO WARNING NO EMAIL NO CALL NO LETTER. After going back and forth they LIED and claimed to have mailed my checks for my spending account and credit builder account. On XX/XX/XXXX one of hundreds of employees because they outsource to XXXX claimed a check was mailed on XX/XX/XXXX. I requested a tracking number they can not give me one. Makes no sense checks were mailed but they have no tracking. One rep tells me a check was mailed another tells me if they have no tracking then they did not process the check so which is it? It is now XX/XX/XXXX and no check. I contacted XXXX and they have no packages in their system for my address. So chime has blatantly LIED about sending my funds. I have over 50 Emails going back and forth and have spoken to the same rep twice. They are providing false information to cover up whatever shady practices they are in involved in. I have my last bank statement so I am aware of exactly how much I am owed. I want my checks sent overnight with tracking to avoid this becoming a legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 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 2018-05-02
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:
There was auto account on my credit that i asked Equifax to verify. Instead, Equifax removed the account out of collection and re-reported the account as 90days late payments. I never received any notification that the account belonged to me. i notified the company asking for verification and there was no response. Instead it was re-reported as late. and i have yet to receive that notoification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a contract with a small XXXX XXXX that XXXX XXXX calls to/from XXXX XXXX XXXX was bought by XXXX & my coverage plan was grandfathered in In XXXX Suspended cell for 2 months while traveling internationally Called to reactivate Agent offered better plan instead I repeatedly CONDITIONED acceptance of NEW PLAN on continuation of free service to /XXXX XXXX Agent repeatedly assured me it would be free Months Later found out she thought XXXX XXXX was part of XXXX XXXX & incorrectly Made repeated assurances it was free Got 1st bill in XXXX XXXX XXXX they had billed me extra - i paid base fee - they wrote off $ XXXX & said they would fix it Next month bill was {$400.00} too much - wrote off excess again & said they would fix it Next month was $ XXXX too much This time they refused to write it off After many hours off verbal & written communication They explained they could not reactivate my original plan I refused payment - they sent it to collection 7 years later Now on XXXX or XXXX collection agency This was a bait & switch & i want it OFF my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.

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