BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a car loans and personal loans with extremely high interest rates, which caused me to check my credit report and noticed that they still had my twin brother accounts on my report, and my cousin who has the same as I do. Notice I said still because I have taken action once on trying to remove them I was told that the account would be deleted but they are not.

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 2022-06-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe Im a victim of of identity theft I noticed theres an fraudulent close auto accident from XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX for the sum of {$11000.00} thats in collections that I did not open, along with 9 inquiries listed on my credit report that I did not authorized. My personal information was leaked in the XXXX Equifax data breach. In accordance with the Fair Credit Reporting Act my rights have been violated. 
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 conse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns and frustration regarding the recent investigation I conducted on my credit report. The findings of this investigation have not only caused me severe emotional distress but have also uncovered several unverifiable, invalidated, inaccurate, and questionable items. I believe it is essential for your agency to ensure that all information reported on my credit report is 100 % accurate, in accordance with the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is clear that credit reporting agencies are obligated to maintain the utmost accuracy when reporting consumer information. Unfortunately, these accounts that I have identified are in clear violation of these statutory requirements as they are not reporting information that is 100 % accurate. 

I would like to bring to your attention that the credit reporting agencies have acknowledged these discrepancies in my credit report. However, their response and action taken thus far have been insufficient, and these inaccuracies continue to affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that the necessary corrective actions are taken promptly. It is of utmost importance that my credit report accurately reflects my financial history, as these inaccuracies have significant implications for my financial future. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this issue and appreciate your dedication to upholding the integrity of credit reporting in accordance with federal law.

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 2023-02-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I sent a letter XX/XX/2021 requesting XXXX to send in writing how did they go about verifying with which company they use to verify this bankruptcy. They only sent a notice saying accurate but did not go into detail of the information on what I requested. I have sent a letter from the courts stating they do not verify bankruptcy info with any credit bureaus. They still have this listed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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: Account information incorrect

Complaint:
Incorrect information on credit report should be deleted immediately. 
Sent documents to bureau called and sent certified documents. Collection agency XXXX XXXX  XXXX also sent letter and updated status stated it should be forged with no response from credit bureaus. 
Account # XXXX Amount ; {$540.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX United States

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been getting calls multiple times a week about collecting a debt owed to an old apartment complex ( that is an off-lease out-of-the-blue charge ) and they have also contacted my parents who have nothing do do with this. I also have an old roommate who has been being harassed about the same exact amount owed to the apartment complex but neither of us have received communication about how to split our payments. There is no way we will both be paying the full amount separately when it is one bill. When I called and asked about a payment plan or any help I could receive as I do not have the means to currently pay this, the collector repeated the same phrase You need to find this money in full and would not say anything to me/ offer me any assistance. Refused to discuss anything with me and repeated one sentence to me over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a car loans and personal loans with extremely high interest rates, which caused me to check my credit report and noticed that they still had my twin brother accounts on my report, and my cousin who has the same as I do. Notice I said still because I have taken action once on trying to remove them I was told that the account would be deleted but they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was never credited back money owed to me for two separate issues with Freedom Mortgage. First issue is an overpayment during the payoff of the loan and was never credited back the overage amount. A payoff quote was ordered on XX/XX/XXXX for a payoff through XX/XX/XXXX. On XX/XX/XXXX the automatic payment was debited from my XXXX XXXX XXXX checking account in the amount of {$2200.00}. On XX/XX/XXXX, Freedom received a payoff check from XXXX XXXXXXXX XXXX  in the amount of {$130000.00} which is an overpayment and I am due the difference back to me. I called Freedom on XX/XX/XXXX spoke to Call Center representative XXXX who confirmed the payoff check was received and that I would get the refund credited back. I never did receive the credit back and it is 5 months later. 
Second issue is related to the escrow account with Freedom Mortgage. I never did have impounds for insurance or property taxes, I always paid on my own. Freedom force placed insurance causing an escrow account to be created in my name which was incorrect since I did have insurance coverage and provided proof of insurance. I called on XX/XX/XXXX and was forwarded to XXXX. I followed their instruction to email copy of XXXX homeowner policy to XXXX so that I could get back {$1200.00} from escrow account. I was told a check in the amount of {$1200.00} was issued payable to XXXX and {$17.00} came back which they credited to the escrow account. I am still waiting for the remaining refund of {$1100.00} which is owed to me from XXXX. I also called on XX/XX/XXXX at XXXX Hawaii Time , spoke to XXXX at Insurance Dept . I was told again to send homeowner policy for XXXX which I did. I also spoke to agent # XXXX from escrow department on XX/XX/XXXX. On XX/XX/XXXX, I called again spoke to a supervisor who confirmed homeowner policy was received but I still dont have my refund back. I am due a refund of {$2200.00} for overpayment on the mortgage loan payoff plus the {$1100.00} remaining escrow refund from 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 2022-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello - We currently show 2 Liens on our Property.

1 for - {$81000.00} 1 for - {$1700.00} HUD will not send us 2 separate Pay-Off Statement Letters.

We have made several attempts to request 2 separate letters be sent to us so that we can pay at least the {$1700.00} to get the Lien Removed and showed as Paid asap.

If it shows as 2 separate Liens, we should have them available as 2 separate letters.

Please assistant us with retrieving the 2 separate letters, as soon as you can. 

Thank you in advance for your prompt attention to our request.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. Section 2 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 non-monetary relief
Consumer complaint received 2022-06-22
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When SCA Credit first contacted me, about a bill with XXXX XXXX, I had informed them that I'm only able to pay {$25.00} a month, because already I'm paying on another bill from XXXX XXXX. The man I had spoken with, told me that paying {$25.00} would be harmful for my credit, and in order for the harm on my credit, I would have to pay at least {$50.00} a month. I repeatedly told I'm only able to pay {$25.00}, and kept pressuring me to pay the {$50.00} a month. I asked him why couldn't that bill be added/connected so that I could have only one bill to pay, instead of paying multiple places, for one biller. He told me no, that would be illegal, because it's double billing. I'm paying for a bill directly to XXXX XXXX, from a past XXXX. The bill that SCA Credit hold possession of, consist of two separate bills, to the same company. He finally eased up, and put in my monthly of {$25.00}. In XXXX, I had missed a payment, but in around XX/XX/XXXX, I was able to catch up, and pay for XXXX and XXXX, of $ XXXXThis past Thursday, XX/XX/2022 I received a phone call from SCA Credit Services , saying that I was one payment behind, and the lady was pressuring me to pay both this month 's bill and the one I already payed. I told her that one was being sent to the company. She kept pushing, and pushing, asking how I would like to pay. I told her that I couldn't pay, because I have other bills to pay. She made feel, as though I intentionally, and recklessly had the bill created, and have it marked, about me not paying more then {$25.00}, and it'll go against my credit. Today, ( XX/XX/2022 ) I received a letter, stating that " they've done all they could do, and to keep from further collection of the original debt, I would have to pay the full amount of {$670.00}. '' Seems as though they are suggesting that legal action is in the cards, even though I've been paying, and did pay {$50.00} around XX/XX/2022. With the attached files, you will see the last month 's bill, showing what I'm paying, my bank statement showing that I've been paying, and the letter they had sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX. XXXX XXXX XXXX XXXX  XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXXXXXX XXXX XXXX Ohio XXXX, XXXX XXXXXXXX XXXX. Phone number 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 2022-06-22
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or 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 2022-08-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I was scammed by a man impersonating a police officer and government employees for social security. He said he would arrest me if I didnt abide on drug charges and money laundering because these crimes were under my name so he said I may be the perpetrator and the only way to clear my name would be to empty my accounts on to gift cards. Hope the could catch the perpetrator by freezing my account but by the end of the day he got about XXXX out of me and I called my bank but they were unable to help me with this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
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:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 2022-06-22
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: Personal information incorrect

Complaint:
I have reached out to Experian several times with regard to incorrect addresses and phone number information on my credit report. They refuse to update my personal information to show my one and only correct address and phone number on my credit report. This is a big concern for me due to the fact that I was previously a victim of identity fraud. Therefore, incorrect reported addresses opens up the doors for that to happen to me again. I sent them a letter on XX/XX/2022 and then again on XX/XX/2022 asking them to correct my personal information. I also called them in the past to update my information and they failed to update it as well.

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 2022-05-22
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Vystar Credit Union, XXXX, FL has had the online banking services down and unaccessible to all customers since XXXX XXXX. Further, while a major upgrade of all online services was planned and executed, the CEO had a planned vacation. CEO was not local during major upgrade and the upgrade has been nothing but a failure with more thousands of people unable to access their accounts to change bill payments, make transfers to cover shortages, check balances, and schedule bill payments. Prior to this upgrade, XXXX XXXX was down for a full week. I have been unable to change existing or schedule new payments for two weeks. This is negligence and every Vystar customer should be provided with relief. The CEO should be penalized.

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