BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-15
Company: EQUIFAX, 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:
There is an unauthorized inquiry on my credit report made by XXXX XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there is still an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few account on my report. According to FCRA section 605b, the credit bureau is obliged to block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-02-28
Company: EQUIFAX, INC.
State: TX
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 items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like have my XXXX XXXX XXXX account updated the amount should 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 2021-07-23
Company: I.C. System, 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 sent dispute letters to XXXX XXXX, and XXXX  and the investigation took well over 30 days.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: TN
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 Bankruptcy XXXX # XXXX has violated my rights. 
15 U.SC. 1681 section 602 A. States I have the right to privacy.

15 U.sC. 1681 Section604 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 explanation
Consumer complaint received 2021-06-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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:
There are 2 accounts on my report I disputed. I explained this bank put these accounts on my report after my bankruptcy and they were included in the bankruptcy. Chex system Constantly states the bankruptcy was filed prior to the dates associated with the account. Yes it was in XXXX of XXXX and this company report XXXX of XXXX after they were included in the bankruptcy.

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 2019-05-11
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage dba Mr. Cooper moved for foreclosure shortly after the Plaintiffs filed a complaint with the North Commission of Banks. because Nationstar was improperly hanging the homeowner in a suspense account and not applying them to the plaintiffs ' mortgage. By evidence of.the of late charges in Exhibit A the plaintiffs were two months behind on their mortgage. when Nationstar forclosed an illegal process under the Consumer Financial Protection Bureau 4 month rule before a servicer can foreclose. Nationstar is also in violation of the Bureaus ' strict rules against Duel Tracking by evidence.of the upload. 

Nationstar was also in violation of the homeowner 's contract. There is a clause in the contract that states Nationstar must abate foreclosure if a demand for a Mediation is made and by evidence of the upload a Demand was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Vellum Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Around end of XXXX early XXXX I was interested in buying a home. I found a home I liked and it was determined that I needed a letter of approval to make an offer on the house. The lender I was currently using would not be able to supply that within the day, but my realtor recommended me to XXXX XXXX at Vellum Mortgage. She got me the letter, but then the next day called and stated that with my debt to income ratio I would not qualify for a mortgage on that home ( $ XXXX ). In that same phone call she advised that if I could get rid of my car loan I would be able to qualify and that once I closed I would be able to get my car back. I was able to have my mother take out an auto loan her loan paid off my car. At that moment I was able to qualify. 
Fast-forward to XX/XX/XXXX she advised to have my brother give me money and to have my mother take out another loan in the amount of XXXX to assist with the down payment, she says that she will write this as a gift. She also had me make up a story to tell underwriting that I will be using an XXXX to get back and forth to work to support the reasoning off " getting rid '' of my car. Even though the understanding between me and XXXX is that I would continue to pay my mother and then get the car refinanced back in my name. 
I have closed on the house ( $ XXXX ) and have moved into the home and has since needed to begin to make payments on my car and pay my brother back for the amount. Now I am unable to make my mortgage and am facing foreclosure or trying to sell the home. I have recently learned that the things I were advised of were malpractice and were examples of predatory loaning.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-04
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/1989 I opened an account and never used it.

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 2022-09-15
Company: EQUIFAX, INC.
State: NC
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:
A

ccordance with the Fair Credit Reporting Act XXXX  Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions. 
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 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 2017-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital one closed my accounts ( two accounts ) after having a returned payment. This was the first and only returned payment I have ever had. This returned payment was because I tried to make a payment from my savings account instead of a checking account, which I did not know would be a problem. Capital one did not reach out to me or contact me in anyway before closing my account. I called them and was told my account was closed due to multiple returned payment issues, however they confirmed that was the ONLY returned payment issue they had on my account. Also they closed my other account that was n't even the account I made the payment on. I was told by a supervisor that these are reviewed by fraud and fraud department researches and makes contacts before closing accounts, however I was never contacted by anyone. Capital one has advised there is nothing they can do at this point and can not reopen an account, but instead offered to assist me in completeing an application for a new account. I spoke directly to their fraud department and they comfirmed they were unsure why it was closed based only on one returned payment. The rep offered to open an investigation to get further details and see if it could be reopened. She advised she would personally call me back within a few days, I have not heard back from her. This has negatively impacted me because a closed account is a negative impact on my credit report. It seems as though they are using this as a loop whole to close accounts, which will negatively hurt people and then get them to sign up under a new account. Having a closed account looks bad on a credit report and it also shortens the length of time for account history. By them trying to make me open a new one, that would make my account history start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: SC
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:
Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to Equifax, XXXX, as well as XXXX with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Marine One Acceptance Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: HOVG, LLC
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:
Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX  and XXXX  So far it has been almost 2 full months and  this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: NY
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:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX client XXXX XXXX is an identity theft victim. Someone used his information to establish a fraudulent phone account with XXXX XXXX XXXX without his consent. A dispute of identity theft was sent to XXXX XXXX XXXX however they have refused to release XXXX XXXX of this debt ; their stance is a FL state drivers license was used to establish the account and that license information was XXXX XXXX XXXX.  This account inquiry and the associated collection account activity has been and is still, being reported to XXXX XXXX credit reports. During the previous attempts to dispute this account XXXX XXXX XXXX has requested XXXX XXXX to provide various documents to verify his address during the stated time the account was opened, to which he complied and provided. This issue has also be escalated to the State Attorney General of Florida because of XXXX XXXX XXXX continued violations of federal consumer rights of my client. As of XXXX/2017 an official account disclosure request was mailed to XXXX XXXX XXXX Office of the President in order to get ALL the information associated with this account. XXXX XXXX XXXX has maintained they have a right to continue to harass XXXX XXXX concerning this account based solely on a divers licenses being presented at the time of the activation however when asked to provide that information ; as is their obligation under both federal laws of the FDCPA and the FCRA ( since these items are reporting to the credit reports of my client ; XXXX XXXX XXXX failed to provide any of that data. In addition my client has received another collection notice concerning this account ; an account that XXXX XXXX XXXX has not yet provided ANY ACCOUNT DISCLOSURE for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX, I received a notice from USAA Savings that Account No. XXXX was overdrawn. I have never had such an account, and the transactions listed were believed to be by someone else. My husband notified USAA by email to their XXXX email address that I had never had such an account. Since that initial notice we have had numerous telephone conversations with USAA associates relating to this situation. In each case, I was subjected to lengthy questions related to my " profile '' for this account. Although we have been customers with USAA since XXXX, I explained that I never had a checking account, nor had I established a profile. Since the last call, I have continued to receive letters relating to this account, but to my knowledge, it has never been cancelled. There has been no communication regarding a solution to this apparent fraudulent use of my name and address. I have attached copies of all communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
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: Account status incorrect

Complaint:
The information XXXX XXXX XXXX is reporting is inaccurate and its invalid. They are showing account open account when it was closed as of XX/XX/2017. The car has been repossessed ... I have sent 3 letters for them send written validation of the debt ....

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