BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX # XXXX, has 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 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 non-monetary relief
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: CT
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 have been trying to get my CREDIT FILE from this company and it has not been sent to me.

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 2021-11-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 and XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a public record with Equifax on XXXX/XXXX/16. On XXXX/XXXX/16 I was emailed that the investigation was complete and was verified by the court. In my original dispute I included copies of the legal agreement stating that said public record would not be executed or rendered as long as payment was made per agreement. I included copies of payments. I still have 3 payments left but equifax says they verified it was satisfied via the court. I spoke with several court employees and the court website which stated they do n't do any verification with the credit agencies. XXXX removed this item due to it never being rendered or executed and inaccurate. Equifax has violated FCRA 611, 609, and 623. Equifax also has never marked this item in dispute on my credit file. I have filed a reinvestigation with Equifax again including the stay of execution order showing that this is not a valid judgement and needs to be removed from my credit file. Equifax has also refused to provide information about their verification with the courts. Please see attached public document stating in page XXXX paragraph XXXX that execution is stayed if payments are made as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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 information incorrect

Complaint:
I have submitted a dispute letter to Equifax on MY behalf regarding a debt they have placed on my credit report. I have asked them the following : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Im requesting an investigation because I felt the item was not being reported legally. How was this information verified? Prove that this listed debt belongs to me and not someone else. Im request for sufficient legal proof under the FCRA. 
Information in dispute : XXXX XXXX Acct. # - XXXX Amt. {$93.00} Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent deletion of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We have a mortgage with Suntrust/Truist , My title company as well as I have been trying to obtain the payoff letter for over a week I have contacted Suntrust no less than XXXX times. I have tried to access their website in order to get the information needed and there is no option for payoff information. It should not be this hard and I should not have to contact a company over and over again to get the information as I am scheduled to close tomorrow XX/XX/2021 and they are yet to produce the document

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 2016-05-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have called XXXX, Equifax and XXXX in regards to XXXX the incorrect balance on my credit report and incorrect 1st Reported Delinquency, with incorrect account closing date. They will no longer investigate and dispute the information because I have already disputed the information previously. Although they have already updated the information it still display the amount owed of XXXX. Anyway I try to get the information updated they will not disclose the correct information regarding the account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After trying to cancel my pmi for years ... I have come to the 15 year mark and I owe less than 80 percent of original assessed value for when I bought the house. I have a letter of termination date for XXXX ... It should of been XXXX. Well XXXX payment included pmi. And now have XXXX statement that has pmi ... by law I believe there should of been an auto termination of this under the HPA act of 1999. I called mortgage company to ask why still paying pmi ... they again say we will submit for review.. same thing they always say .... and I told lady about the letter I got and she stated she dont see any letter in files.

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 2015-10-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Reported a dispute in regards to creditor XXXXLast year XX/XX/XXXX received updated corrected report showing zero balance. Recently received notification of charge off and pastdue balance. I disputed the account via mail with all supporting documentation. Including XXXX records title to vehicle, new owner information. On XX/XX/XXXX I called to inquire to why the investigation has been more that 30 days. 
I spoke with a rep named XXXX and he says that he would update the status to complete but failed to provide information on proof of outcome. 
I asked him to check the dispute history and he did verify the creditor XXXX XXXX updated the account to reflect vehicle being paid off last year. Now recently the account shows a charge off with past due balance of XXXX. which is not correct. 
I asked to speak to a supervisor with Equifax but rep XXXX stated his superior who 's name is XXXX said they ca n't update the account regardless of any documents I sent. But they ca n't furnish any documents to how they verified the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed XXXX medical bills on my credit report. XXXX and experian investigated the accounts and the accounts were removed ( collection agencies could not verify accounts ). Equifax is still reporting the information incorrectly on my credit report. Equifax now reports XXXX of the accounts as paid and the third account as owing a balance. I explained the errors to Equifax and informed the rep that these same accounts were removed by transunion and experian. The Equifax rep stated that they can not remove the accounts for 7 years and that I needed to contact the collection agencies myself. After further discussion, the rep then offered to dispute the bill that showed a balance owed. I informed the rep that I disputed all three items on XXXX XXXX and I should not have to give the collection agency another 30 days. The rep repeated that they could not remove the items for 7years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a hard inquiry from a XXXX XXXX XXXX XXXX on XX/XX/XXXX I disputed with Equifax on XX/XX/XXXX received response on XX/XX/XXXX from Equifax stating Inquires are factual. I am asking for signed proof for this inquiry as it is damaging my credit applying for home loan and have not received such document. I feel as if Equifax is not asking for documentation from said company proving this inquiry is in fact legitimate and from me. I have contacted XXXX XXXX but no response to having any documentation to back up inquiry. 
Please assist in correcting this problem. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Caliber Home Loans, Inc.
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced our loan with Caliber Home Loans Inc and our transaction recorded on XX/XX/XXXX. The escrow company overpaid {$3700.00} to Caliber Home Loans Inc. The funds were sent via wire transfer. I contacted Caliber Home Loans Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Caliber Home Loans Inc stated on XX/XX/XXXX they didn't receive the wire in the amount of {$3700.00}. On XX/XX/XXXX and XX/XX/XXXX, I provided them with a screenshot of the outgoing wire confirmation that I obtained from the escrow company. As of yet, Caliber Home Loans Inc. hasn't responded to my emails dated XX/XX/XXXX and XX/XX/XXXX. 

On a side note, the escrow company also wired {$740000.00} on XX/XX/XXXX and Caliber Home Loans Inc. received that payment based on my online account. The reason why the escrow company overpaid {$3700.00} to Caliber Home Loans Inc is because I was only allowed to get a {$500.00} refund at the close of escrow. The reason why there was an excess of funds is because I made my XX/XX/XXXX mortgage payment before escrow closed which caused the excess funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX  XXXX  Dispute not available EFX  Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX  Date assigned XX/XX/XXXX XXXX XXXX  Dispute not available EFX Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX  Date assigned XX/XX/XXXX XXXX  : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX  TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX FCRA violations : payments never late TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint against Equifax ; because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, Equifax is required to " ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soon as possible. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a customer with Bank of America over 5 years during that time I can only recount being refunded an overdraft fee once. I had a deposit go into my account for {$69.00} on XX/XX/XXXX, it was an instant deposit via cash app. It reflected in my balance immediately. The following day that deposit was removed and I was hit with 2 overdraft fees. I searched through my transactions for that deposit and it was nowhere to be found. When I went back to look later it was returned to the account and I also had a transaction from another merchant which was billed on the wrong date. I contacted BOA and they refused to waive the fees or explain the disappearing and reappearing deposit. I dont have a history of doing this and I am on a fixed income. {$70.00} is about 10 % of my monthly income.

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 monetary relief
Consumer complaint received 2021-11-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by experian, XXXX, XXXX pursutant 15 usc 1692, and 15 usc 1681

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 2021-11-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by XXXX, XXXX, equifax pursutant 15 usc 1692, and 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed on my credit 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 non-monetary relief
Consumer complaint received 2015-09-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a negative item on my report that is being reported twice under a similar name. I sent a dispute on XXXX/XXXX/2015. I received a reply dated XXXX/XXXX/2015 stating that the item is " currently being reported as a single item '' however, a report run two days after the date of their letter shows it still being reported twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened a XXXX store credit card in 2010. I actively used my card to make purchases, was a loyal customer, never had any late or missed payments on the account, the creditor was never included in any bankruptcy filing, never received any communication from any court or attorney in regard to any bankruptcy, and has no first-hand information whatsoever regarding any such filing. Yet, this creditor has coded my account for bankruptcy and is communicating this status to the credit bureaus. When I disputed the matter with Equifax, they performed a cursory, automated verification and told me that the item has been reported correctly. When I wrote to XXXX XXXX ( XXXX ), they told me that the credit bureau notified them of a bankruptcy filing, so they updated the account, and would not change it. I do n't find this explanation satisfactory. They should not be able to send the same information back and forth between Equifax and XXXX, both citing the other as the source of the information, and claiming the information from the other party validates the information. It 's a circular argument. I 'm asking that the creditor remove the comments pertaining to bankruptcy on my account, or delete the account altogether due to their failure to respond to my dispute with any information to back up their claim. Thank you for your assistance. I 've attached some of my correspondence pertaining to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have several items on my credit reports that have been disputed with XXXX, Equifax, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1.XXXX County Magistrate- ( XXXX docket # 's XXXX ) 2. XXXX- XXXX 3.XXXX XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX- ( # 's XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- XXXX XXXX 10. XXXX XXXX XXXX XXXX # XXXX 11. XXXX XXXX XXXX ) XXXX- # XXXX

Company response to consumer: Closed with explanation