BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My issue is in regards to my credit score and why it has dropped XXXX points. I have a print out of my yearly Equifax report and it shows no changes for the past year so why the drop in points. I carry no unpaid monthly balances and have always paid my bills on time. The Equifax report shows -- length of credit history 31 years 2 months with the average account age being 17 years 5 months. I also have no negative accounts so I would like to know why has my credit score dropped XXXX points as shown on my XXXX program?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2022-09-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a dispute to Equifax on XX/XX/2022, via certified mail with a return signature. The dispute was in reference to inaccurate accounts reporting on my credit report. ( See the attachments ) In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy.

Equifax stated that these accounts were properly investigated and came back as verified and accurate. How is this true when there are several inaccuracies shown in my report? Equifax is now reporting a recent late payment on a closed/charge-off account which has caused my credit score to drop. I reached out to Equifax about their response on XX/XX/2022, and after several attempts, I finally got a rep on the phone by the name of XXXX. And I explained to her that I disagreed with their investigation. And asked, 1. What were the steps Equifax took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
What was the process of their investigation? And her response was, that they reached out to the creditor electronically and the creditor verified that the accounts belonged to me. How exactly???? 
2. Why are they now reporting a recent late payment on a closed/charged-off account that's over 6 years old? She then asked if I recently missed a payment. Really? Where do they hire these people?

Because Equifax is reporting inaccurate information it's been challenging to obtain credit for personal and housing purposes and it has caused a severe amount of stress. The continued inaccurate reporting of this information is a clear violation of the law according to FCRA. and According to 15 U.S.C. 1681n civil liability for willful non-compliance any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} per violation. Please delete these accounts immediately. XXXX XXXX XXXX-line of credit- ( {$1400.00} ) -account # XXXX, XXXX XXXX XXXX auto loan- ( {$5900.00} ) account number XXXX and XXXX XXXX XXXX-revolving- ( {$5400.00} ) Account XXXX XXXX Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I

need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifia ble evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2016-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX Ct, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we confronted the negotiator regarding a lack interior access and we requested a copy of the appraisal they have on file, the negotiator discussed the request with her manager. Her manager stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to do so is because it does n't actually exist and they simply made XXXX up. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.

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 2016-12-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I opened a wells Fargo loan at XXXX XX/XX/2016. Never made a late payment and usually paid more than the minimum payment amount. 
On XX/XX/2016 I received a vague unsigned letter from Wells Fargo Executive Office stating that due to risk my account has been closed. 
This action negatively affected my credit score. 
In XX/XX/2016, My wife and I closed our Wells Fargo checking and savings account siting Wells Fargo corporate ethics as the reason for closing our accounts. I believe that this current Wells Fargo negative action is retaliation to closing our checking and savings accounts with them.

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 2020-04-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had someone steal my identity and they tried to get personal loans with two companies on XX/XX/2019. XXXX called both and tried to resolve the issue, and both hard inquiries are still showing on my credit report. I did not make these loan requests and have put a credit freeze on all my accounts. The two companies that the loan requests were made to are : XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX I sent Transunion a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to Transunion and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Transunion has not verified the bankruptcy because there is a FREEZE on XXXX XXXX file. I do have receipt of that too. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and this Bankruptcy whom all are not of mine. Remove immediately!

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 2015-05-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In 2012 I purchased an automobile from Nissan. While shopping for a loan, the dealership processed 2 loans, 1 from Nissan Motor Acceptance and the other from XXXX XXXX XXXX. Only 1 loan was valid, and payments have never been late. The Nissan loan was canceled and no payment was ever due. This information is only reported as negative at XXXX, and not at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: TRUIST FINANCIAL CORPORATION
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:
BB & T is violating my rights as a consumer by furnishing information that is not accurate and don't have permission to furnish. They do not have permissible purpose pursuant to 15 USC 1681b. They are also displaying a charge off on a paid in full account. The account is paid in full, so it is impossible for it to be a charge off. This implies that BB & T maybe committing fraud because according to the IRS, in order for an account to have charge off status someone would have to file a 1099c. If that's the case, I didn't receive one from BB & T. This is a violation of 15 USC 1681 ( a ) ( 1 ) - Accuracy and Fairness of Credit Reporting. You are also in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) -Reporting information with actual knowledge of errors. I know this to be true because I've personally on two ( 2 ) occasions brought this to your company 's attention. Most recently I went to your XXXX XXXX XXXX and spoke with your Branch Leader XXXX XXXX ( XXXX # XXXX ) who spoke with your charge off department, and they confirmed the account is paid in full so this further proves your negligence. The comments and late days, derogatory status and other violations listed in my attachments and exhibits are also a violation pursuant to 15 USC 1681b, 15 USC 1692d, 15 USC 1681s-3 and others.

The late 30 and 60 days mark are among several violations one of which is 15 USC 1666b which states : A creditor may not treat a payment on a credit card account ( my social ) under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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:
There are two US Department of Ed showing on my credit report that are not mine! They have the same reference number of XXXX Every year this happens too, I receive notice that the Dept of Ed is going to garnish my tax refund then when they actually look into it they realize it's not mine!!! I never had an account with them. I don't know if some who's SS # is close to mine or it's my name but I do not have nor ever had two federal student loans.

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 2020-04-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have had 2 differwnt identity theft problems with XXXX. The first time i filed a police report and they fixed it. The 2nd time ( years later ) they said it would be fixed. Someone using another address set up service at another address. I filed a police report and sent to XXXX at their request. I also sent them proof of my residence. They said it would be removed but it never was. months later I called back and was told the first agent didnt do it right and it would be fixed. That was over a year ago and ut was never fixed. I disputed it through experian several times and still not fixed. Please help. It is a debt for about {$1700.00}. XXXX has the persons name and address but they still report it to my credit. XXXX allows people to set up accounts with your ssn or without it if you do auto pay. 

Experian has failed to do a thorough investigation.

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 2022-09-10
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 XXXX XXXX, XXXX, PA XXXX Equifax, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Good afternoon, I had problems with my vehicle finance company. In XXXX I called because I couldn't pay for my vehicle for the COVID-19 case. I had money problems and I had not been paid at work, they gave me a period of one month. for me it was perfect. for XX/XX/XXXX I called again because I was positive to COVID-19 I have a medical report asking me to be isolated, I sent them but a supervisor told me on XX/XX/XXXX that they could not do anything and that they were going to deactivate the calls so as not to receive and that they would not notify me when they took the car, he also told me that if I had not received any help and the truth is that I had not received any unemployment aid or government aid, it affects me because it affects what I already paid for the car and apart my social life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony Bank and Paypal loan account ends in XXXX is charging for an orders I did not place and did not receive. One purported order I was charged {$530.00} and the second was for {$810.00} totalings {$1300.00}. Yesterday someone tried to charge {$80.00} unbeknownst to me. This fraud has to stop, being nothing I agreed to I am unwilling to pay. PayPal/XXXX gave me phone numbers to the supposed seller vendors regarding these fraudulent orders, which I called. I contacted the seller vendors the first one with the amout {$530.00} said no way could we have taken any orders we had a child pass away and can not run any business. The second for the amount {$810.00} agreed to credit my account back they never mailed out any order to me and have no clue what this is about. I need this corrected ASAP.

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 2022-07-20
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I went to XXXX XXXX on Saturday XX/XX/XXXX to get my ears pierced. The piercing was free but the earrings were {$79.00}. With tax the total amount due was {$91.00}. I was charged twice .The duplicate charge never disappeared from my account. It was for {$91.00}. I called XXXX XXXX and they told me to talk to my bank ( USBank )

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 a account without my written instruction.

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