BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against Equifax for inaccuracies present on my credit report. On XX/XX/XXXX, I initiated contact with Equifax to dispute certain information that I believe is erroneous. Regrettably, I have not received any communication or resolution from Equifax as of today 's date. Below are the specifics of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} I am formally requesting Equifax to validate the accuracy of the XXXX XXXX  account details. The reported balance of {$990.00} appears to be inaccurate, as I believe it should be a lesser amount. Furthermore, considering that this account is closed and charged-off, the inclusion of a Past Due amount is inappropriate. I kindly urge Equifax to designate this account as disputed while I am in the process of addressing the dispute with the creditor. Additionally, I require Equifax to verify the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} The XXXX account necessitates scrutiny due to the reported balance of {$7900.00}, which seems to be higher than what I recall. Since the account is labeled as closed, the inclusion of a Past Due amount is unwarranted. I believe it could be beneficial to directly address this erroneous data with the creditor. I am resolved to promptly take this course of action, though I require Equifax to designate the account as disputed while I work towards a resolution. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account bearing the name XXXX is not mine, and I formally request Equifax to promptly eliminate it from my credit report. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Similarly, the account identified as XXXX does not belong to me, and I request Equifax to expeditiously remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries by XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 a account without my written instructions.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

the credit bureaus failed to do a proper investigation.I still haven't received notice of investigation listed at my proper address 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party

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 2023-10-23
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I am a veteran and have a VA Loan. On XX/XX/XXXX I submitted a complete package containing all required information to Nation Direct in conjunction with my request for mortgage assistance. I received a letter dated XX/XX/XXXX that they received my information and that a appraisal may be completed. XX/XX/XXXX I received notification of a foreclosure action dated XXXX/XXXX/XXXX. I spoke with XXXX in the Loss Mitigation Department and was advised that as of XX/XX/XXXX. She stated there was no letter sent or attempted contact made regarding the items that were missing. She also staed that there was no activity from XX/XX/XXXX. She advised that there was a note on XX/XX/XXXX that file was incomplete and that a incomplete notice of mailed on XX/XX/XXXX which I never received. I questioned as to why my loan was submitted to foreclosure if they did not make a decision on the request for modification and why a denial letter was not sent to me. She was unable to answer. I also told her I had a right to appeal the denial and that was not afforded to me. I gathered all financial information and submitted those documents through their portal, XXXX. The next following day, I logged back in to see if there was an update. It showed nothing was updated. On XX/XX/XXXX I submitted ALL required documents via e-mail to XXXX. I made contact on XX/XX/XXXX and verified that they acknowledged the e-mail and was reviewing the documents. XX/XX/XXXX I was notified that additional documents needed ; XXXX Bank Statements and all pay stubs through XX/XX/XXXX. XX/XX/XXXX I e-mailed the requested information. I reached out to them today and they are asking for more information although they confirmed that all my financials were up to date through XX/XX/XXXX and that my file will not be moved to underwriting until when the " Processor '' deems appropiate. Today then even asked me for my XXXX Bank Statements but the statements has not been released. I feel like I'm being setup to lose my home. I have complied with all information they have asked of me and I simply want a fair chance to keep my home. As we continue to go circles in request for documents, my foreclosure continues to advance although from a legal prospective I question whether this foreclosure is valid. I believe that the handling of my file has violated the " Homeowners Bill of Rights Act ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
We are over the age of twenty-one ( 21 ) and competent to testify, We are the true and lawful owners of the property located at XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX as such and contrary to the claims by Defendants, and all Banks noted to be involved with interest or the acknowledgements submitted to the Clerk of the XXXX XXXX , the Documents filed in the XXXX XXXX XXXX Georgia, Records, upon knowledge, information and belief, the documents have been falsified/forged/manipulated, they are the product of fraudulent and/or illegal acts, and we dispute the validity/legitimacy of said documents, including, but not limited to the document showing it is a Security Deed, and the Scriveners Affidavit, and any and all documents in the Record, as said documents are either products of fraud, or forgery, and/or the documents that led the Defendants to come to a conclusion not consistent with Plaintiffs claims, were the product of fraud and/or forgery, and there is a great likelihood, that the documents were obtained by illegal/criminal acts. BOFA MERRILL LYNCH XXXX XXXX XXXX XXXX was and is believed to be a prodigy of XXXX XXXXXXXX XXXX XXXXXXXX. 

IN GOD WE TRUST PSALM 91

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 2023-07-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX, XXXX XXXX Balance : {$4300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX XXXX, XXXX XXXX Balance : {$4300.00} Medical XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 2022-09-26
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I requested a lower payment with navient back when COVID hit. From XX/XX/XXXX through XX/XX/XXXX I would call to discuss lowering my payment as I could not afford to pay the loan amount any longer and all they would offer me to do is a loan forbarence due to COVID 19 and the 12 month hardship option and now work with me about lowering my payment. I have asked in XXXX to reach a settlement and Navient would not offer me one or lower my payment. I would receive threatening letters about legal action and still now offers to help lower payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: In progress
Consumer complaint received 2023-10-01
Company: MARINER FINANCE, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and someone used my personal information to obtain these fraudulent accounts in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts. I am requesting for these fraudulent accounts to be removed and deleted immediately or legal actions will be taken. I have included my police report and FTC Identity Theft report to this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: DigniFi
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
My name is XXXX XXXX ive been a clear victim of fraud and Identity theft. Somehow a company is charging me for XXXX $ car that i do not own, or know anything about. This fraud had taken away XXXX points from my credit report which was perfect before that. Im going go send this report to all 3 credit bureaus. Im so overwhelmed and stressed I suffer from XXXX Please help me i have literally kept from getting anything on my credit. All for this nonsense to happen. I DO NOT KNOW WHAT DIGNIFI IS, I DO NOT HAVE A CAR, I DONT EVEN HAVE AN LICENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Repo # rting act child support Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2023, i purchased with my synchrony bank PAYPAL MASTERCAR CREDIT CARD by XXXX for the amount of {$350.00} a XXXX XXXX XXXX for a desktop computer, with the description, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the order number XXXX. 

The situation is that the seller with the name XXXX Store, scammed me, I did receive an article at my home address, but my surprise was that that the article was a joke, this store or person sent me a XXXX XXXX XXXX XXXX. Right after I reported by a dispute to XXXX and PayPal, attached the whole documentation I have. The dispute at XXXX is FROZEN at this time, with the description, this order is frozen because a chargeback has been filed. 

I called PayPal couple times because at this time my card has a charge of the whole amount of {$350.00} and the representative explained to me that the case is close ( I LOST ) because I never presented proofs. For that reason, I am filling this case, with the proofs and documentation i have, also for my records,

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
Consumer complaint received 2022-09-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened my checking account with the XXXX XXXX, Ca Branch manager. I was not able to have online access for a month. I relocated and brought Social Security card and Driver 's license in branch. I keep getting letters that they will close account without identifying information. I went into XXXX, Illinois branch and again showed identifying Information to XXXX, manager. She confirmed everything was there. This is not against the branch but corporate, XXXX XXXX name is on letter. Again I received a letter dated XX/XX/22 that they will close account in 10 days. This is harassment.

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 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Regarding complaint XXXX. 

I never received bank of americas response. 

I have emailed twice and called the number provided. 

Please email me a copy. 

I have no idea what the resolution was.

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 2022-08-22
Company: Experian Information Solutions 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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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