BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is violating my consumer rights. Equifax continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Equifax buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. Equifax 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) which states, " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Equifax continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Selene Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage was from XXXX XXXX XXXX. When my aunt died, I became her Executive of Estate and put the mortgage in my name in XX/XX/XXXX. A representative from the mortgage company came out to my office, and I signed the paperwork to switch the mortgage over from my aunt, XXXX XXXX name to my name. I received a letter a few months later saying that I owed {$2500.00} for negative escrow. My mortgage was sold to XXXX Mortgage and now to Selene Finance. I received a letter from XXXX in XXXX of XXXX that I owed mortgage payments from XXXX. I sent in proof from my bank that all mortgage payments from that period were paid. XXXX XXXX  XXXX sold my mortgage to Selene Finance in XX/XX/XXXX. I started making payments with Selene Finance in XXXX of XXXX. All of my payments that I have paid this year have been going to Selene Finance for payments back from XXXX to XXXX XXXX  XXXX for balances that were already paid. I paid Selene Finance a lump sum payment of {$5000.00} from XXXX XXXX XX/XX/XXXX. However, those payments have been misapplied, leaving me to still owe mortgage payments for the entirety of XXXX. I'm at risk of foreclosing my property due to errors in their accounting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello! Someone opened my correspondence at this address XXXX XXXX  XXXX XXXX XXXX fl XXXX and used my information to request a card that the bank sent him and that person made changes to my cheking account like adding another different phone number and the bank made it very easy all those changes that bank error caused a lot of damage Such as overdrafts in my account And errneous activity in my account balance I lost a lot of funds and I applied twice for a crdit card and they denied it to me due to an error by the same bank for his negligence and dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
This account is currently in litigation due to deception and predatory lending practices. This account falls in that XXXX - XXXX timeline. They were asked to provide information below several times and failed. The original account- XXXX XXXX XXXX  was charged off. On XX/XX/XXXX Judge once again ordered XXXX XXXX XXXX to provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 The Credit bureaus XXXX and Equifax stated my account was properly investigated but how is that possible if the Last reported is inaccurate, Date of Last Activity is inaccurate and date of last payment is inaccurate. This is a clear FCRA violation and is grounds for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a floating rate when i opened my HELOC. 
I was told that i can lock into a fixed rate at anytime during the loan. I am in real estate and i knew the Fed rates had dropped to 3.25 % so i called to lock in the rate because i knew rates would be going up. 

instead of locking n the rate for the life of the loan, the representative did something with the margin to reduce it to get it temporarily to 3.125 % That's not what i asked her to do -i told her i wanted to do away with the margin. 

I had wells Fargo pull the tapes- but they will not give me a copy. 
They gave me highlights of the call - In reading the highlights, i was clearly in the right. 
I want them to honor the rate that i called in and asked for, for the life of the loan. 

I called in and spoke to another person who agreed with me after reading the notes. 
He assigned it for a 2nd review.

I do not think the 2nd reviewer even listened to the tapes. 
I got the exact same form letter from her. 
I have called 5 times trying to get her to call me back to discuss this, and i can not get her to call back.

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 2023-08-13
Company: Experian Information Solutions 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:
Each of the three credit reporting bureaus are allowing written off accounts to be reported as delinquent each month when it is my understanding that as these accounts have been written off, the creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden, as such I do not think this is acceptable practice to allow negative monthly reporting on my consumer credit reports. I have made attempts to contact creditors who were unwilling to disclose account details and/or unable to arrange for payment on the debts, referring me to their legal counsel.

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 2022-09-21
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A 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 with my written consent.

Im not aware of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a 30-day late payment status on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I have disputed this account with Experian and they have not removed/updated this account to reflect a " never late ' payment status from my credit report and Experian and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account immediately and if it is not removed, then I will be filing a lawsuit against Experian and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment status from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment Indicator is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status. Therefore, I have attached it to this complaint.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive disputed this inquiry on XX/XX/2022

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act XXXX XXXX XXXX XXXX XXXX acct has violated my rights. 

15 U.S.C. 168

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Unknown hard credit enquiry by XXXX XXXX on my credit report. 

If you search on XXXX, you would find a lot of people going through the same thing but looks like XXXX XXXX aggressively is after new customers, and is pursuing credit checks without any consent or authenticating proper documents. 

Also, they have no direct line to address this kind of issue. They are asking them to send documents by mail. 

Who would do that, why not by email, or free portal where I can directly file this complaint? No dedicated phone line either. Why would waste my precious time going to mail, writing on paper and submitting to USPS, unless its a government issue? Adding a fradulent enquiry is not my mistake. 


I tried contacting transunion, these guys have no select option on their portal to submit report on credit check ( but they have option to change name etc, smaller things who cares )... Asking them to send by mail or phone. Also chat wait time was 30 minutes more, ( consistently logging me out every 5 minutes in that wait line ) Overall, there is a big loop hole in this entire process, not a single company could add an extra layer of security to prevent opening account without my verbal, face to face consent. Other than freezing my credit check. I am software professional I can do that easily but think of regular not so familiar with computers people. 

I regularly check XXXX XXXX to monitor my credit info so I found out, there would millions of other who does not do this and they will never find out what happened to their unauthorized credit checks. 

I hope the goverment agencies will enforce stricter actions against these kind of practices by this very know finance frauds.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Request to Remove Inquiries from my Credit Report Dear [ Transunion And All Other Credit Bureuas ], I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report, which I believe are negatively impacting my credit score. 

As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to maintain a positive credit history. During a recent review, I noticed several inquiries listed on my credit report, which I believe were made without my express permission or knowledge. 

Upon careful examination, I have identified the following unauthorized inquiries : LIKE 26 Or 36 Inquiries I have not authorized any of the mentioned inquiries, and I am concerned that they may have been made fraudulently or in error. As such, I kindly request your assistance in removing these inquiries from my credit report immediately.

I understand that removing inquiries may require verification, and I am willing to provide any additional information or documentation necessary to expedite this process. Please consider this letter as a formal dispute and take the appropriate steps to investigate and rectify the situation promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I trust that you will adhere to the necessary guidelines in this regard. 

Kindly inform me of the steps taken to resolve this matter and provide written confirmation of the inquiry removal once completed. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of the accuracy of my credit report. 

Sincerely, [ 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 2022-09-21
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX, XXXX, XXXX and XXXX bank all have either incorrect payment histories, incorrect payment amounts owed and due, also incorrect account status listings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2022-07-01
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: Account status incorrect

Complaint:
I have sent mutliple complaints to the credit reporting company about incorrect information and they keep acusing me of using a credit company when the information is being sent directly from me about the incorrect information on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
experian Closed Account XXXX XXXX  Total XXXX Closed Account XXXX  XXXX total XXXX Collections Account XXXX XXXX XXXX total XXXX XXXX XXXX Account XXXX XXXX  Total XXXX Collection Account XXXX XXXX  XXXX Charge off Account XXXX XXXX  total XXXX XXXX Collection Account XXXX XXXX  total XXXX Collection Account XXXX XXXX  total XXXX Collection Account XXXX XXXX XXXX total {$4500.00} Charge off Account XXXX  XXXX total XXXX Charge off Account XXXX XXXX  total 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2023 and XX/XX/2023 I send dispute letter to XXXX, XXXX and TransUnion asking them to remove or correct any errors, XXXX XXXX XXXX account # XXXX which is Missing Paid Off, and Original balance and Payment Summary are different on XXXX and XXXX in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated that they verified that these items are being reported correctly and yet still nothing got removed or updated.

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