BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$340.00} XXXXXXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed : {$7200.00}

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 2023-06-23
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I hired a landscaper to install a new landscape. He informed me he was licensed. He tore out my existing landscape. He requested {$1000.00}. A few days later he requested {$2200.00} to purchase materials. He made several excuses why the material wasnt delivered as promised. The material was never delivered nor did I ever hear back from him again. I filed a police report. I also contacted Wells Fargo Bank and reported the 2 XXXX transfers as fraud. They denied my claim several times. They also attempted to withdraw the funds from his account only once with no success.

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 2023-10-29
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is showing in collections when this is XXXX XXXX error. When we first opened the account we asked to changed the account name to my Husbands and after they changed it we never received a bill under my name. The bill was under my husbands name and we paid all our payments on time and was never late. After our contract or promotion expired. We received this under my credit. This is an error and they have not fixed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2023-09-30
Company: EQUIFAX, INC.
State: DE
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$340.00} DEL-XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Bread Financial Holdings, Inc.
State: PA
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:
this is for COMENITYCB/ZALES credit department In accordance with the fair credit reporting act XXXX  Account number XXXX, COMENITYCB/ZALES has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My insurance was billed by XXXX XXXX directly and was paid for services done in the facility. I received a surprise bill from XXXX XXXX XXXX, XXXX for the same lab services I paid to the hospital. I sent many letters to contact the hospital as all bills were paid directly to the hospital where services were provided. They ignored my letters, and I received a collection notice from Northwest Collectors Inc . I sent them a letter and called to explain and the man on the phone was very arogant and when I was trying to explain that the bill is paid, he threatened me to take action and damage my credit because he is not gon na discuss it with me and he threatened that he will submit that to the collection and my credit will be hurt. as the Owner of a small business, I can not allow to have a poor credit score. I was in fear and paid the amount that was already paid by my insurance, but I did it to avoid collection on my credit record. I paid them the amount i did not own! They treated me in an aggressive way and did not have any option to explain that the amount was paid, and the creditor must contact the facility where services are provided because I was billed by the hospital. I disputed that charge with my credit card but still i am afraid they will ruin my credit.

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 2023-07-03
Company: EQUIFAX, INC.
State: MD
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Experian Information Solutions 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:
Experian is in the business as a trade practice and business model of protecting its paid subscribers and not the consumers whose information they collect. The federal government is n't one of those subscribers in respect to the federal court system. Experian utilizes third party vendors to collect court records utilizing incomplete information and in such report back to the consumer that information has been verified, while it has n't by the standards verified complete information concerning the consumer nor does it report the third party vendor.   Experian was subject to a complaint concerning information that is n't mine, in the process I provide social security card, and  XXXX  tax formfrom th e social security administration to   verify my name as well as my social security number. In the attempt to cover up their practices of never removing information that is inaccurate they added the name which is n't mine to my file and then said they verified the information. This practice is illegal and must be stopped

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 2023-06-23
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
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:
Experian lowered my credit score by XXXX points within a DAY after XXXX reported I owed an excessive amount on my credit card. XXXX admitted to Experian that the information was entered in error. After doing so Experian only raised my score back up by XXXX points and stated that I would have to wait an additional 30-60 days to have it corrected. This error should have been corrected immediately with Experian.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
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. I have accounts opened under my name fraudulently : 1. XXXX XXXX XXXX Opened XXXX XXXX XXXX 2. XXXX XXXX XXXX Accountt # XXXX Opened XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX Balance : {$13000.00} Please review and remove these fradulent accounts. 

Thank You!

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 2023-09-22
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For a whole year Golden 1 has paid my mortgage on time. This is a recurring payment that I have made through this credit union. 
This month - I was paid a day early XXXX XXXX. I contact customer service at Golden 1 to ensure my mortgage was paid. To my surprise I received a letter that my mortgage was NOT paid. Now XXXX not only late but I have to double my mortgage payment. I do NOT have double {$4300.00} dollars. This caused me great harm and great hardship. 
Golden XXXX made sure other bills were laid but seemed to have missed the one I called to ensure it was paid. I would have had it paid that say but bill pay wouldnt only allow next day - XX/XX/XXXX. Even though funds were available XXXX XXXX XXXX. XXXX months I received an increase Golden 1 continued to show original pay. 
XXXX. When I received my paycheck I never received a text stating it was deposit instead my account was block where I was unable to log in.

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 2023-01-09
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/2022 I filed a trip cancelation claim as part of the benefit of my Chase Sapphire Reserve XXXX. We received notification that our XXXX XXXX XXXX that was supposed to depart XXXX, 2022 had been canceled ( booking number XXXX ). Per the terms of the trip cancelation policy at XXXX XXXX XXXX, we requested reimbursement for our non-refundable XXXX XXXX airfare ( itinerary number XXXX ) in the amount of {$3400.00} as we had no domicile to stay in due to the cruise being canceled. This process involved filling out a form through the benefits provider eclaimsonline.com. Upon being issued claim number XXXX, we followed the instructions and emailed the XXXX XXXX copies of ; ( 1 ) Carnival cancelation notice, ( 2 ) XXXX XXXX itinerary, ( 3 ) XXXX XXXX itinerary, ( 4 ) travel agent cancelation policy, and ( 5 ) XXXX XXXX cancelation. After continuously reaching out to the claims XXXX eclaimsline.com numerous times asking for the status of the claim, I finally received a phone call on XX/XX/2022 along with an email asking me to submit all of the same information again. I used the eclaimsline.com portal to upload copies of the same documentation and followed-up with an email asking if anything new was requested since this was a duplicate request for information. Each time I submit information, an automated message from eclaimsline.com tells me that I should receive a response if documentation was submitted within XXXX and should receive a response to any non-documentation requests within XXXX. This policy/procedure is consistently NOT being followed by eclaimsline.com. It is now XX/XX/2022 and I feel that I have no choice but to share my experience with others and escalate to the CFPB so that Chase XXXX leadership understands that eclaimsline.com is not properly administering trip cancelation benefits on-behalf of their most prestigious flagship credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NC
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:
Data furnisher 's accounts and inquires listed below, have certified to the Consumer Reporting Agency. Information that is misleading, inaccurate, incomplete, unavailable or a result of fraud and or identity theft. Metro2 compliance violations. Delete these accounts now. 
( XXXX XXXX XXXX XXXX accounts ending XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ), ( XXXX XXXX  acct. ending in XXXX ), ( XXXX XXXX XXXX  accounts ending in XXXX and XXXX ), ( XXXX XXXX XXXX acct. ending in XXXX ), ( XXXX XXXX XXXXXXXX accounts ending in XXXX and XXXX ), ( XXXX XXXX accounts ending in XXXX, XXXX and XXXX ). 
Areas of these data furnishers reporting effected by this : Original Creditor Name, Creditor Classification, Term Duration, Portfolio Type, ECOA Code, Date of first Delinquency, Date Closed, Special Comments, Actual Monthly Payment, Payment Rating, Charger of Date, Date of last Payment, Payment History, Account Status, Account Type, Credit Limit, Highest Credit, Term Frequency, Segment Identifier, Account Number, Account Identification Number Change, Compliance Code, Consumer Information Indicator, Address, Name, Phone Number, Date of Birth, Social Security Number.

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 2023-09-30
Company: EQUIFAX, INC.
State: DC
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 my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 6802 Notice of requirements Notice requirements ( A ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-06-16
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: WASHINGTON FEDERAL BANK
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Washington Federal was push on us by XXXX XXXX XXXX. We applied for a loan in XXXX and were approved. Fairway homes has a XXXX price lock which they do not specify that they have they right to eat up the days themselves. In our case XXXX took about XXXX of the 120 days. At this point WaFed ( Washington Federal Bank ) was telling us everything on our loan was ready for underwriting no issues. We get to the last few weeks and have met every deadline for XXXX XXXX this is where things got sketchy. WaFed kept telling us our loan was in underwriting everyday. They knew that the builder wanted to increase our loan by XXXX XXXX. We ask to speak to underwriting they say no they are in XXXX. At this point We were told we could waive our right to rescind and waive the XXXX day review of closing documents. We said if we could at least see some numbers we would consider. They would not send us any numbers for our loan. Here lies the problem XXXX is where the mother company for XXXX homes ( XXXX  XXXX ) who appears to also be the prefered lender WaFed. It seems like they did not finish the loan as a favor to XXXX XXXX XXXX in order to allow the price increase. There was nothing they needed from us. We asked multiple times what the problem was we requested someone in management to call no response.

Company response to consumer: Closed with explanation