BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: U.S. BANCORP
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We lost our home in a fire on XX/XX/2019. On XXXX the property loss division of US Bank cashed our insurance check. Through out XXXX we uploaded to the website we were asked to use all required documents. We found the required documents on the paper work they initially sent us. Since that time there has been no communication from them in any form. I have to call every time. I uploaded my final signed contract from our contractor and us on XXXX. That was the last document according to their paperwork and numerous phone calls that I needed to provide them to have completed step 1 and to receive our initial check back from them so I can pay the contractor. I called on XXXX to find out why it was not showing up on the website. I was informed their website had been down and they didn't receive it. There was no effort on their part to inform me about the website being down. This directly delayed a check being issued back to us from them. I then had to pay out of pocket to fax the contract to them. I called back and was informed they had received it and as soon as it was verified the check would be issued. I called today XXXX after I saw on the website that the contract had been reviewed only to be informed they now needed a blue print. There is no mention on the documents they gave me requiring a blue print, to be issued my initial check. I again had to pay out of pocket to have a fax sent with the house plans. I was informed this should have been included in the adjusters report that was reviewed and verified on XXXX. Another error on their part that again has delayed my initial check being issued. Their lack of communication and not providing me correct documentation in the first place stating any and all documents I need to provide them to receive my insurance claim money back has now delayed this process a second time. I feel it is a purposeful, deceitful, and malicious business practice to not give out all the information up front and to neglect contacting customers in order to keep the insurance check money as long as possible to collect interest on it.

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 2018-04-14
Company: EQUIFAX, INC.
State: CA
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:
I have a hard credit pull from the company below on XX/XX/2018. This is not something that I authorized or permitted but it has been showing up on my credit report. While I have contacted this company to have it removed they deny that they have any knowledge of this and will not take action. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

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 2020-11-24
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the XXXXair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Innovis
State: IL
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:
I am seeing a hard inquiry on my credit report that I do not recognize at all. I have no account or have not even heard about Cbcinnovis. This inquiry could stay on your report until XX/XX/2021. I believe it is an error and should be removed from my credit report. I also believe Cbcinnovis should delete any personal and confidential information they have about me on file. 

Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/2019IreceivedaTotalandPermanentXXXXdischargefromXXXX.IntheletteritstatedthatmyloanholderwouldtransfertheaccounttoXXXX.

IcontactedXXXXontwooccasionsincludinganemailandtheystatedthattheysentarequesttotransfermystudentloanaccountswithXXXXtothem.

IcalledXXXXtwiceandtheystatedthattheyhavenotreceivedtherequest.
XXXXcontinuestoreportmystudentloansincludinginterestowedwhichhascausedmycreditscoretogodownover7pointsinthefirstquarterwhenreportedinXX/XX/2019.


PleasefindattachedcorrespondencefromXXXXandXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2023-01-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my rights 15 USC 1681 XXXX XXXXt # XXXX** Has violated my rights 15 USC 1681 section 602 A,. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Patient Accounting Service Center
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Arstrat repeatedly calls me from XXXX within minutes apart. This happens multiple times a day. Missed call XXXX XXXX, Answered their call XXXX XXXX ( 2 incoming calls from them within 6 minutes ), Missed call XXXX XXXX, Missed call XXXX XXXX ( 2 incoming calls from them within 7 minutes apart ), Missed call XXXX XXXX, Answer their call XXXX XXXX ( 2 incoming calls from them within 4 minutes apart ), Missed XXXX XXXX, Missed XXXX XXXX, Missed call XXXX XXXX, Answer their call XXXX ( 2 incoming calls form them within 2 minutes apart ). When I have advised them this is a CFPB complaint, I was advised well I should just answer so they can talk to me. I work and can't continue being harassed as this is distracting to my work production and has caused compliance issues for me at work. Every time I answered the 2nd back to back call from them, no one says anything and shortly thereafter they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was held by XXXX from XX/XX/XXXX until earlier this year when it was sold to Freedom Mortgage ( hereafter referred to as FM ). At the time of this transition, I received correspondence from FM confirming payments would continue through the equity accelerator program ( see attached correspondence ). I also called FM to be sure my payments have been received from XXXX. 

Within two months of FM taking over my mortgage, I began receiving letters from FM declaring I was delinquent on my account. I called FM and was told FM had received all of the payments from XXXX and there was no problem ; however, I continued to receive letters declaring I was delinquent on my account - AND YET WITHDRAWLS WERE BEING MADE AS THEY ALWAYS HAVE BEEN ( see attached statement from my Bank ). 
NOW, Im receiving letters from FM threatening foreclosure and my excellent FICO Score has been negatively impacted! 
I was finally able to reach XXXX XXXX and have ordered them to stop withdrawing payments from my bank account. Beginning with my XX/XX/XXXX payment, I will send my mortgage payments directly to FM. 
I have called FM repeatedly to rectify this situation to no avail and am now contacting the XXXX and credit reporting agencies.

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 2018-09-27
Company: Experian Information Solutions Inc.
State: MS
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 noticed a dismisses bankruptcy XXXX on my credit report that I did not file for via my subscription to Experian app. I submitted my first dispute to Experian on XX/XX/2018 ; on XX/XX/2018, I received notification that they alleged bankruptcy was verified. On XX/XX/2018, I submitted the second dispute and on XX/XX/2018, I recieved notification that it was verified. I recently disputed on XX/XX/2018 and on XX/XX/2018 again verified. I reached out to the bankruptcy court here and I was informed that they do not verify any information with credit bureaus or third party vendors. They also informed me that the PACER does not have access to full social security numbers. So, I know that they use several third party vendors. How is this information verified? Who verified this information? Who can testify to the accuracy of this information? Is it possible that the PACER   employee entered in information incorrectly. This is frustrating. My name is rather common. I know a few people with my exact name.

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 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX is currently reporting that I have balance increases for all XXXX accounts although I recently received an email from the XXXX XXXX XXXX dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''

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 2019-07-31
Company: Nelnet, Inc.
State: NC
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:
XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$7300.00} XX/XX/XXXX - {$4500.00} I contacted all three credit bureaus explaining that these account were deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Contacted my lender because my home has incurred significant damage from Hurricane XXXX & I have lost income because my employer has lost electric service as well as I have lost electric on my own home as well. I asked for fourbearance. And they said the only program they could offer was that I could be late for with my mortgage payment for 3 months with no late fees or negative report on my credit but the entire 3 month balance would be due by month 4. They would not agree to defer the payments to the end of my loan in order to allow me to pay for the repairs to my home which will cost me my hurricane deductible in the amount of {$6000.00}. 

I understand other lenders are agreeing to allow to defer the 3 months of payments to the end of the loan to allow the owners to pay for repairs to their home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ( Original Creditor : 11 XXXX ) XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: WA
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 disputed this charge off on my credit report through all the credit bureaus and it has remained on my credit report but they haven't verified the debt. XXXX XXXX XXXX  Charged off : XX/XX/2023 Balance : {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: TX
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: NY
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:
I had my credit reports frozen on all three reporting bureaus. 

Today XX/XX/2021, in order to apply for an apartment lease I went to unfreeze them. 
I had no problem doing that with XXXX or XXXX, but Equifax was not able to process my request online so I called the number they provided. 

After completeing a lengthy verification of my identity I was told they were unable to remove the freeze and I should call back another time. 

Their system had no problem verifying who I was, and promptly unfreezing a report should be an obligation they have given the role they play in credit processing and approval. 

I was unable to connect with a XXXX, and the agent would only give his name as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
PLEASE REMOVE THE DISPUTED ACCOUNT AND INQUIRIES OF FMY CREDIT REPORT FOR THEY HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT. THE ACCOUNT DISPUTED WAS NOT AUTHORIZED BY ME. PLEASE HAVE IT OF FMY CREDIT.

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 2022-08-08
Company: EQUIFAX, INC.
State: IL
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 called Equifax to remove all false and fraudulently placed accounts and inquiries on my consumer report. Equifax assumed this role and did not exercise their grave responsibility, they where unfair, partial, and did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish or create this report and I never gave consent to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a account with wells fargo played account .I let them know a money wire from XXXX XXXX here in XXXX XXXX ca was going to land to my account with wellsfargo we filled out the papers we needed professionally I have all copies, ,my routing number was given to wells fargo they verified it by calling manager XXXX XXXX at XXXX XXXX XXXX she picked up the phone everything was verified on both ends..the money of the amount of XXXX was wired to wells fargo, so I had respected asked them I wanted to order half of the amount do to buying a mobile home..the next day I came to wells fargo took out a amount of XXXX good they gave me my money next day I came by and wanted another XXXX ..my money they wells fargo acted very disrespectful accused me of wire fraud by manager I asked them to have the manager put it on paper of the accusation they did not want to do that well cops came I stood my ground presented all my paperwork to cops of my dealing with XXXX XXXX after their long 40 mnt meeting cops came back out apologize to me of the mistake wells fargo commited and wish me good luck on getting my funds back well wells fargo freezes my acount for no reason told me XXXX XXXX XXXX took my funds back I went through XXXX but XXXX is good XXXX XXXX went in computers and said to me they never done some like what wells fargo is accusing XXXX XXXX of doing..ther it is wells fargo is once again doing the people of America wrong ... fraud I payed just like any other American for account and they did me wrong treated me like a piece of trash and stole my money ever since I've been to XXXX XXXX for XXXX out been XXXX for 2 years I've feel less than a man to my famaly my kids ..I went to wells fargo again this time I got XXXX XXXX and a fair woman answered and give me a case number and said they will be contacting me but hey who's to say I just dont trust wells fargo so here I am expressing my issue to financial services ...

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