BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: WA
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 some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to update or correct these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 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 2017-02-13
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TCF BANK KEPT CHARGING FEES TO MY CHECKING ACCOUNT AND OVERDRAFT FEES.IN VIOLATION OF DODD-FRANK ACT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
disputed with equifax and was removed and then reinserted. i wrote to court cause i did not file bankruptcy in XXXX, XXXX and XXXX and ask could be a computer error. They responsed that they do not verify or validate those bankrupty. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like to continue my fight against Equifax reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from Equifax. This is not fair. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report with Equifax. I mean why delete ally payment history and leave me with nothing to look at and nothing to say besides that this is NOT my account and it is not correctly reporting any information, therefore remove it, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been a cardholder with XXXX XXXX for over 10 years. I have never missed a payment. 
I was in the hospital during the month of XXXX in 2015 and had someone send in my payment. 
Due to an electronic error the payment was never made. I received no email notice, no phone call or no US Mail notice that I was late in making my payment. Previously, if I had been a few days late ( never 30 days ) I was always called by XXXX XXXX as the payment date was misleading. I assumed that if you were not 30 days late you were safe. In fact, XXXX XXXX went so far as to reversing late fee 's that were charged to me due to the fact I paid a couple of days after the due date ( Again, no 30 days ). I called XXXX XXXX and they were insistent that they were right and I was wrong. Again, computer error. I stand by my record as never having had a late payment in 10 years. I am asking them to remove this late payment from my credit report. 

In addition, I was denied a credit limit increase due to this one late payment. In addition I am receiving credit offers from XXXX XXXX regarding approval for a car loan of up to {$35000.00}. Does not make sense ... ... ... ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Self Financial Inc.
State: NJ
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 fidentiality under 15 USC Account # XXXX. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Has violated my rights 15 u.s.c. 1681 section 602a.

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 an account without my written instructions.

15 u.s.c. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records. 
Of the convictions of crimes Which antedates the report of more than XXXX  years. 
15 u.s.c. 1681-2 ( 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 accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Self Financial Inc.
State: NJ
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 fidentiality under 15 USC Account # 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 Has violated my rights 15 u.s.c. 1681 section 602a.

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 an account without my written instructions.

15 u.s.c. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records.

Of the convictions of crimes Which antedates the report of more than 7 years.

15 u.s.c. 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer To any consumer reporting agency If the person knows XXXX has reasonable cause to believe that the information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Thaxton Investment Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
After receiving a voice mail from a restricted number I called with the reference number and was told I was going to be charged with breech of contract and fraud for a loan from XXXX that only my ex husband could have done. They said if I couldn't pay right then on the phone in full it would be filed with the court. They could not provide information on ANY written notifications or anything only an email that's been closed for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Rec 'd a notice of hard inquiries on my credit report XXXX. We are not applying for credit nor trying to increase any credit cards. Why a hard inquiry in notated on my report is unknown and is in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau has inaccurately placed liens on my report that have been paid. The state has confirmed with me that they do not report to the credit bureau and that the credit bureau is placing the information on my report without verification from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Captial System has placed an account on my tradeline that does not belong to me. I have asked that they validate the debt, provide signed agreements, provide documentation that they own the debt and they have failed to comply. They have harassed me and caused me personal injury with their illegal collection 's tactics. I have also found that they are not licensed to collect any debt in my forum state. 

Account number ( listed on my credit report XXXX Amount XXXX Date on credit report XX/XX/22 ( account have been re-aged for a few years Jefferson Captial ) This company has violated several federal laws and I demand that something be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with SOUTHWEST CREDIT SYSTEMS in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Was unable to retrieve my annual credit report from Equifax online. The questions were deceiving and there were some where i could have chosen more than XXXX correct answer. I also had a copy of another credit reporting agency so i knew the answers were correct. My wife also tried to get hers and had the same problem. I also sent in via mail the documents to show and all i got was more letters stating to send in more of the same documents. this happened XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts on my credit report that is disputed with my credit dispute. I found many address on my account and several different names even a wrong social security number these accounts are n't recognized and standing in my way of getting my housing. 
these accounts are as stands XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX files on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX date opened XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance of XXXX opened in XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in the amount in XXXX date opened XXXX please help me I have disputed all of these with the credit bureau Please let me know what the next step would be.

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 2022-11-22
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with NCB MANAGEMENT SERVICES in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My bank has forced flood insurance for 3 years in the amount of over {$5000.00}. I was incarcerated at the time. I have gone through FIMA and have gotten off the flood map. They have put this on the back of my mtg.. I'm a XXXX veteran and can not get a loan through the VA or any other bank as they are holding me XXXX for this money. The fees are extremely excessive. They don't answer their phones. I can't even get a record of the fines and penalties broken down. This is Regions Bank. They lost a {$50.00} XXXX dollar settlement in 2016 for doing the same thing. Please help me with this as I'm at my wits end. Thank you in advance.

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 2022-04-16
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 XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TN
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 submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
EXPERIAN HAS NOT CONTACTED THE LAWYER FOR CORRECT INFORMATION. I HAVE NEVER IN MY LIFE FILED BANKRUPTCY. THE OTHER 3 CREDIT BUREUA HAS TAKEN THIS OFF MY RECORDS. EXPERIAN HAS BEEN LAZY AND NOT DONE THEIR HOMEWORK AND IM TIRED OF THIS. I FILED 3 COMPLAINTS TO HAVE THIS TAKEN OFF

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX SXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00}

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 2016-04-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check at Navy Federal of {$2100.00} from XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016 Navy Federal released the funds for availability. On XXXX XXXX, 2016 Navy Federal adjusted the {$2100.00} resulting in my account being overdrawn, so I called them and they explained to me the check was not authorized by XXXX. I contact the check writer, XXXX XXXX XXXX XXXX, and they showed proof that the check was withdrawn from their XXXX account and they were never credited back. Navy Federal is stating that XXXX did n't authorize the transaction but XXXX is stating they released the funds and never received them back. My account is still not resolved several days later and I have n't been able to take care of an overdue car note because of this issue. Navy Federal needs proof from XXXX that the money was withdrawn from their account.

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 2015-09-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I BELIEVE THAT MY ACCOUNTS AT THE WELLS FARGO BANK HAVE BEEN UNLAWFULLY USURPED AND DEVALUED. I WOULD LIKE TO ENSURE THAT NO MONEY IS LOST EVEN AT BANK CLOSURE. I AM HOPING THAT NO MONEY IS LOST DUE TO TRANSFER, TRANSPORT OR ANY MOVEMENT ON THE CASE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I received a fraud alert from my monitoring service that an account application had been received using my PII at JP Morgan Chase, as well as 6 emails from that bank welcoming me to my new checking account. I do not have an account with that bank. When my fraud alert company rep and I talked with the rep from JP Morgan Chase on XX/XX/XXXX at approximately XXXX Eastern time about the fraudulent account they informed me that there was a {$0.00} balance and no transactions and they they had frozen the account. They said they would send me the proper paper work to continue with the fraud claim, in the meantime I began getting the reports from the FTC and my local police department to aid in the closure of the account. On XX/XX/XXXX I received yet another alert from my monitoring service that an account with JP Morgan Chase XXXX had been opened. I immediately called Chase and was told that since I did not have the account number or debit card they could not tell me about the account ( even though the earlier rep had told me ). But the rep did tell me that the account had never been frozen, that the previous rep was not supposed to have told me the information that he had, and that they did not even have my complete address on file. I was then told that I would have to wait for my paperwork to come in the mail ( it has been a week now ), fill it out, and send it in, before they would start work on it, OR I could drive to the nearest Chase branch to get the paperwork which is over an hour away.

Company response to consumer: Closed with explanation