BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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:
The unverified accounts specified below continue to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not verify these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$27.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I completed an application to refinance my vehicle with XXXX XXXX and was approved on XXXX/XXXX/XXXX and they sent loan documents for me to sign with a interest rate of 4.14 % for a total of {$43000.00} financed amount. I signed and returned the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed the loan amount would not cover my payoff as interest accrues daily and I needed to make a partial payment, which I paid {$50.00} and sent XXXX XXXX the confirmation of payment. I was informed that my loan went to funding on XXXX/XXXX/XXXX and would take XXXX business days for XXXX XXXX XXXX to receive the payoff. By XXXX/XXXX/XXXX I was concerned the vehicle was not paid off and I did n't want it to have a negative impact on my credit so I made the full payment to my old lender. On XXXX/XXXX/XXXX, I received a voicemail from XXXX XXXX stating they made a mistake on my interest rate and that the interest rate increased to 4.79 % with a financed amount of {$44000.00}. This was followed by an email with new loan documents showing the increased terms along with a request for additional paystubs. XXXX XXXX called again on XXXX/XXXX/XXXX to make sure I received the new increased loan documents and that I needed to sign them asap in order to get the loan funded. I informed them that I am currently in a disaster area and affected by XXXX XXXX and trying to get documents copied/notarized, etc. was not possible. Furthermore, after almost a month of the refinance process including loan documents signed, I found it suspicious that the interest rate increases after a major disaster occurs in my area.

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 2017-09-11
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: Public record information inaccurate

Complaint:
I filed a complaint back on XXXX XXXX XXXX with you. It was regarding tax liens still remaining on my credit report with Equifax that should have been removed when the new guidelines went into place on XXXX XXXX for removing civil suits and tax liens as part of the settlement with the CFPB and the credit bureaus. Here is the case number for that original complaint XXXX. 
The company responded back stating it was verified as reporting accurate. The same auto responses they gave me when I disputed it on their website. 
This is NOT possible to be verified as accurate. In fact both of the other bureaus, XXXX and XXXX XXXX did just the opposite of Equifax. They verified I did meet the guidelines and removed them all from my credit profile. Here is the response from XXXX XXXX I received when the CFPB contacted them. 
Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, we initiated an investigation into the XXXX XXXX County/Recorder of Deeds, XXXX XXXX XXXX XXXX XXXX XXXX of Deeds tax liens and they verified the information as accurate. However, after reviewing the activity on your file, along with the information in our data base, we have deleted XXXX XXXX XXXX XXXX # XXXX & # XXXX, XXXX XXXX XXXX XXXX of Deeds # XXXX, # XXXX, # XXXX & # XXXX and XXXX XXXXXXXX of Deeds # XXXX from your XXXX credit report. 

I expect Equifax to correct this mistake and delete these text things from my credit profile just like the other two bureaus did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is in reference to XXXX, XXXX and Trans Union. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.

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 2018-11-01
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified that this debt existed with Convergent through me accessing my credit file to discover there was a collection item in the amount of {$340.00}. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and Convergent both assured me that if I paid the debt it would be removed from my credit file. I immediately paid the debt in full only to have the debt not removed but updated on my file to a new date which actually hurt my credit score even more. I have called Convergent several times to no avail as well as XXXX who only refers me back to Convergent as they are the ones that reported the negative item 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 explanation
Consumer complaint received 2018-11-01
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt and asked for verification on XX/XX/2018 and XX/XX/2018. 
I received what appears to be a copy of monthly statement. A monthly statement does not validate a debt it needs to be a signed written contract under FDCPA and FCRA rules and guidlines.I have also received a letter threatning to sue me for the amount oued on the debt .On XX/XX/2018 i received a letter from an attorney threatning to sue me. 
I have all documented communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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 XXXX XXXX XXXX Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$790.00} $ XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$680.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXX bank Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXXXXXX XXXX XXXX  Acct # XXXX {$790.00} $ XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$680.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion 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 accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : XXXX Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX XXXX : {$640.00} Date Opened : XX/XX/2011 XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00}

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 2022-06-16
Company: Experian Information Solutions 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:
It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2022-08-26
Company: WELLS FARGO & COMPANY
State: CA
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: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : WELLS FARGO HM MORGAGE XXXX Date Opened XX/XX/07 Balance : {$960000.00}

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 explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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:
It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one has been reporting late payments inaccurately on my consumer report. I have reached out to capital one on multiple occasions for a remedy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-24
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was backed up on my credit card payments, so discover reached out to me and I shared with them I was out of work for 5 months. I wasnt able to make any payments so there for I spoke with a representative and told her on the XXXX of XXXX I will be able to make a payment of {$100.00}. Today the XXXX of XXXX they pulled out the amount. Thats not what I agreed on and I even have a email stating that was confirmed. Now my account is overdrawn and Im in a grievance because I dont have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MD
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:
On XXXX/XXXX/XXXX, substandard security at Equifax allowed hackers to possibly access my credit report, social security number, credit card number, and other personally identifiable information. I was not informed of this until XXXX/XXXX/XXXX. I was not informed of this by Equifax, but rather learned about it through a personal finance forum I follow online. I say that my information was " possibly '' accessed, because at this point in appears that Equifax 's site for determining if you are part of the hack is giving out random responses XXXX as reported by XXXX XXXX. Perhaps this is related to Equifax suggesting the use of their own security tracking system on that site. 

I have had to freeze my credit as a precautionary measure, although that will probably not protect me from identity theft given that the hackers are sure to know how long the freeze will last. This cost me {$5.00}. Not much, but how many people have frozen their credit because of this hack, and how much have the credit reporting companies made off those freezes? How much did the Equifax executives make off their stock sale just prior to the announcement of the hack?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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 information incorrect

Complaint:
Upon notice of derogatory account in the amount of {$550.00} ; I submitted a written complaint to both TransUnion and XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Original Creditor balance show {$0.00}. XXXX XXXX XXXX reported false information to TransUnion to damage my creditworthiness after the purchase of a vehicle stating I owe their collection agency {$550.00} since XX/XX/XXXX. Their actions has a high impact on my 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 2018-12-24
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: Information belongs to someone else

Complaint:
Equifax XXXX XXXX XXXX GA XXXX The following accounts listed have never been mine : 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 1981****, XXXX XXXX XXXX XXXX XXXX**** Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, you may have violated federal law. I expect you to make a re-investigation Immediately. My ID and SS have been attached for proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
About a month ago, I requested, via email to XXXXXXXXXXXX, an updated payment ledger as well as the balance for this count. I 've received no response. Last week, my wife received a phone call from someone at XXXX, who reported they were responding to the email. She reiterated that per the request that was sent, the information needed to be in writing. <P/>I 've yet to receive anything.

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