BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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 XX/XX/XXXX I was made aware of thr Equifax security breach that has affected hundreds of millions of Americans. Using their inquiry tool, I found that my information was contained on the database that was breached. This is incredibly irresponsible on the part of Equifax, especially because I did not know that I was a recipient of their services and was not given a choice whether or not to give my information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 had a credit with XXXX. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due

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 2022-08-31
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Company is aware and has shut down the account. Fraud application has been sent. Just wanted to make sure this was acknowledged.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have 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 an 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 explanation
Consumer complaint received 2019-11-28
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:
I was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 US DEPT ED 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 and XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was advised to consolidate my XXXX parent plus loans ; I was told my payments would be lower. I financed {$67000.00}. combined and I later found out I now owe $ XXXX. When we make payments the balance increases instead of decreasing. I was told to apply for the wrong type of loan. I do n't pay this loan my daughter does and she earns half of what I earn and yet they told me to apply for the income driven loan. Her payments are about {$500.00}. a month, graduated. They will increase every two years, I was told over till 348 months go by. This is robbery! Today I found out all our payments only go to interest of course this loan will never be repaid. I 'm outraged how this kind of abuse is permitted by our government is unimaginable, it sounds like a real estate racket to me, this is wrong! Why would anyone want to pay for something forever without making a dent in their debt? We even asked to transfer the loan under her name in hopes of a lower payment/interest and balance due to her income and they refused to help us. This is not right, someone has to put a stop to this robbery. Every time I speak to someone for help with more options I hear a different story as if they make this stuff up along the way. This is horrifying and now my credit is forever ruined and I can not even think of buying a home, ever and I 'm XXXX. This is beyond extreme. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: IN
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Visio Financial Services Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount ( {$68000.00} ) was sent to XXXX XXXX Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to XXXX. At this point i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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:
My Equifax Credit Report was included in the computer glitch from Equifax on XX/XX/2022. I can not access my credit report or credit score since that date. I have called several times... they gave me an incident report number but nothing was fixed as of today ... XX/XX/2022 Please Help ... this has affected my credit rating as its showing my credit score of XXXX which is incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: AL
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:
In XX/XX/2020, I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX  about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.

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 2022-08-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I need these disputes closed and removed from my credit reports. I am trying to get approved for a mortgage and they can not move forward with this process until all the disputes are closed and removed off my credit reports. XXXX XXXX XXXX ( XXXX ) I need the disputes closed and removed from my credit reports. XXXX XXXX XXXX ( XXXX ) This account also have disputes open that need to be closed and removed from my credit reports. I have contacted XXXX, Equifax and XXXX several times and instead of the disputes being closed and removed. They are opening new disputes on m y credit reports. I am trying to to get approved for a mortgage and this is keeping me from moving forward with the process. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I need these disputes closed and removed from my credit reports. I am trying to get approved for a mortgage and they can not move forward with this process until all the disputes are closed and removed off my credit reports. XXXX XXXX XXXX ( XXXX ) I need the disputes closed and removed from my credit reports. XXXX XXXX XXXX ( XXXX ) This account also have disputes open that need to be closed and removed from my credit reports. I have contacted XXXX, XXXX and Transunion several times and instead of the disputes being closed and removed. They are opening new disputes on m y credit reports. I am trying to to get approved for a mortgage and this is keeping me from moving forward with the process. Please assist me in this matter.

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 2022-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  ) account number 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 customer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 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 explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: MI
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 disputed these couple cards a few times and for the life of me I do not understand while they 're still showing up on my credit report was a victim of identity theft it 's been reported to the police department it 's been reported to all of the bank and except for these XXXX accounts I have good credit even though I 've asked you before you never tell me what exactly it is you need from me to get these accounts removed it 's called identity theft for a reason of course a lot of the information is going to match mine if it did n't it would n't be called identity theft to me this seems very simple but for some reason experience is having a difficult time with these XXXX accounts and getting them removed from my credit report what is it that you need for me to prove that I did not open these XXXX account did not use these XXXX accounts had nothing to do with these XXXX account? If you could answer that question maybe we could actually resolve this because you keep sending the dispute to the bank and they say oh yeah it 's the same name and date of birth and so on of course it is this is why it 's called identity theft of course the information is going to be very similar this is how it ended up on my credit report this is how they were able to open the accounts to begin with. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and # XXXX These XXXX accounts do not belong to me how do I prove this to you? Please answer my question. 

There are also XXXX inquiries to look at my credit report they do not belong to me XXXX XXXX cards just happened a few days ago again not me there 's another one for XXXX XXXX XXXX XXXX clearly I 'm still having issues do you have a fraud alert on my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I contacted my bank, USAA, to set up an auto loan to purchase a new vehicle. The rep was helpful and set everything up while we were on the phone. As part of the process, the rep offered " Total Loss Protection '' on the loan for {$290.00}. I stated I wasn't sure if my auto insurance ( also through USAA ) already had Total Loss Protection coverage on it, but the rep assured me I could " call in and cancel '' the Total Loss Protection at any time within 60 days and it would be refunded immediately if I had coverage / did not want it. I was told the {$290.00} for the Total Loss Protection could not be put on the loan, but would need to be payed upfront, on a credit card. After being reassured, again, that the {$290.00} could be easily refunded with a " quick phone call '', I went ahead and authorized the payment. 
I picked up the vehicle on XX/XX/XXXX, checked my insurance coverage shortly thereafter, and found my auto insurance plan did indeed offer Total Loss coverage. I called USAA to cancel the Total Loss Protection on the loan and request a refund. After 58 minutes and multiple transfers, I was told canceling the Total Loss would not result in a refund to the credit card I paid with. I was told once I provided a written request, {$290.00} would be applied to the back-end of my auto loan. I let USAA know this was not what I had agreed to, and was not pleased. They reviewed the initial call with their rep, acknowledged that she did " perhaps '' misrepresent the method of refund, but would do nothing to rectify the situation. 
Thus began an epic battle to even obtain the {$290.00} principal payment ( which, as of this writing, I still have not seen ). Multiple phone calls ( many of them an hour or longer ), online " chats '' with reps, broken email links, faxes sent, and hours wasted. I have never seen such obstacles placed to obtaining a refund for an unwanted and misrepresented product. In the 13 years I have been a member at USAA, I have never experienced such rudeness ( and at times, such thinly veiled hostility ) as I have over these last few weeks in dealing with this. 
All I asked was for USAA to do as they said : initially, the expectation was for a " quick and easy refund '' if I cancelled the Total Loss Protection ; now I am just hoping for the " principal payment '' on the loan in the amount they owe me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a missing payment indicated on my credit report for XX/XX/XXXX.

I tried reaching out and no one was able to assist.

I've been in communication with them regularly so I'm not sure how this has happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I C SYSTEM responded with a letter with the account that was never mine. The account that I was disputing is under XXXX XXXX XXXX I C SYSTEM # XXXX Original Creditor : XXXX XXXX XXXX I C SYSTEM is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

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