BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
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: 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 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 2023-05-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
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 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$5300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$540.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-29
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022, I sent your company a dispute letter requesting your methods of verification and questioned your investigation practices. As a consumer I requested to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The items I requested as methods of verification are The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with The Valid documentation used to validate the dispute. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING. Your unjust investigation practices caused me to contemplate XXXX, have Financial breakthroughs, and lose sleep. Please send the methods of verification requested for the accounts listed below or delete the accounts from my credit report and update my personal information immediately. Thank you in advance

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 2022-02-14
Company: TRANSUNION INTERMEDIATE 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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2021-06-23
Company: EQUIFAX, INC.
State: VA
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 have tried numerous times between XX/XX/XXXX and now to get Equifax to correct a debt collection from XXXX XXXX. I am unable to submit documents through their MyEquifax website and their phone representatives are unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term investigate 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 consumer 's 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. 

I would like to know who did they talk to? 
How did they complete this investigation? 

I also sent letters to Experian, XXXX, and XXXX regarding the same 2 accounts on XX/XX/XXXX and 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 explanation
Consumer complaint received 2023-01-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account with chase Bank XXXX XXXX XXXX XXXX We received a check from a court order case on a mechanics lien. On XX/XX/23 I deposited the check into my checking account for {$130000.00} I was informed on XX/XX/23 that my account was restricted due to fraud. I was told I had to provide a phone number of the issuer. I did provide a phone number but I was told it did not match what they had in their database. So I got another number which I gave to them on XX/XX/23 and they said it was not a connected phone number. I asked them to just call the number in their database and I was told they do not have one. Then I was told to provide the Bank representative and phone number. I went into the XXXX XXXX XXXX with the information. Chase Bank lifted the restriction on my account but said I had to wait until XX/XX/23 for the {$130000.00} funds. I also confirmed that Chase Bank received the funds from the bank and the check cleared on XX/XX/23. 

On XX/XX/23 I verifed the funds were in my checking account. On XX/XX/23, I went to transfer money from my business account into my checking account via payroll checks. I was told that the account was closed effective XX/XX/23. I asked where my money is that was in the account and the said that a check was being mailed to me and I should receive it within 10 business days. On XX/XX/23 I received a check for the funds that were in my account prior to the {$130000.00} deposit, I called the bank to find out where the {$130000.00} is and they confirmed they have the money but they will not release the funds to me until I can provide them with a phone which I have already confirmed does not exist. They said they will hold the funds indefinitely until I provide the phone number. Chase has my money but refuses to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022 XX/XX/2022 XX/XX/2022 Recurring charges were coming to my card that it was impossible for me to make.big Deposits was made to my account that I was unaware of. And I spoke to them about it and they automatically closed my account without any warning and XXXX I call to inquire about what happen nobody could give me a explanation

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 2022-05-25
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my third time to try to solve this issue with the cfpb and my complaint has gone not properly investigated. 
On my credit report I have 3 collections on my report from Americollect. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I sent a written request for debt validation for the agency on XX/XX/XXXX I received correspondence from Americollect stating that the accounts has been cancelled from their agency and that they were not collecting on the debts. 
Then I received a letter stating that I owed XXXX, XXXX and XXXX. 
Please review attachments. 
I requested that the agency send me a complete itemized statement as in ( breakdown of fees ) how did they conclude that my total for each alleged visit total to be XXXX, I requested that the agency furnished me my wet signature, provider of service and a signed HIPAA release. I did not get the any the items I requested. 
under the Fair Debt Collection Practices Act ( FDCPA ) I am entitled to these requests which Americollect has failed to provide which is a violation of my rights. 
I am allowed under the FDCPA to request full documentation of what you received from the provider of service in connection with this alleged debt for verification and I have not received validation. And my rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I was able to seek legal advice about information and experiences that can be shared onto my consumer report. From my research I noticed that Congress granted everyone rights as an consumer dealing with our consumer reports. There are several laws this company have purposely ignored by furnishing this account onto my consumer report for over a decade now. I was able to reach out to all 3 bureaus that were reporting this account and requested to have it removed and only 1 of the 3 complied. This lead up to me now filing an complaint. Violation codes are as follows : 15 U.S. Code 1666b ; 15 U.S. Code 1681b ; 15 U.S. Code 1681e. Delete account immediately. I do not consent to you furnishing my account with any 3rd party agencies. The transactions and experiences should not be shared with any other companies without my consent.

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 2020-11-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I inquired with Wells Fargo mortgage about a forbearance. I was told due to the current pandemic, I do not have to pay for 3 months and towards the end of the 3 months, a Wells Fargo specialist would work with me to get these 3 missed payments, either at the end of the loan or break up payments and pay monthly in addition to my regular scheduled payment. But not to worry as something would be worked out. 
After I reached out stating I can resume payments and over a month of answering questions and providing paperwork, the only option they gave me was a short sale. I owe only XXXX. I have since been paying my regular scheduled payments. I will not short sale the home. It being such a small amount, I was ensured by multiple specialist this would not be an option. I owe a total of XXXX on the home. I can sell it, if I wanted, for XXXX, make money off it and pay back the XXXX, so a short sale would be silly. 
I am so disheartened that I was deceived from the beginning. I was told worse case scenario is that I would not be approved ( loan modification ) but almost every one is. 
I wouldve found a way to pay if I was not told this. 
It is only XXXX, why wont they break it up or place at the end of the loan? Its not a lot of money. Isnt the Cares Act supposed to help people like me, willing to work it out and pay back what is owed? Not short sale my home for a XXXX default? Im so upset I dont know what to do?

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is choosing to update my credit balance with XXXXXXXX XXXX to reflect the {$0.00} dollar balance and then changing it back to the old balance. They corrected the balance last week. They also changed the balance to {$4100.00} which is not accurate. I reached out to XXXX XXXX  and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. 

Transunion is also reporting the wrong information for XXXX XXXX. My balance with XXXX XXXX  is {$3700.00} and my credit limit is {$8000.00}. Transunion is reporting that my credit limit is {$5000.00} when it is {$8000.00}. 

So, XXXXXXXX XXXX  nor XXXX XXXX is not the problem. I have never had a problem with them. It is the tactics of Transunion switching the balance every other day which is the problem.

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 2023-10-01
Company: Experian Information Solutions Inc.
State: GA
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 contacted Experian approximately around XX/XX/2023 for the second time and demanded the following transactions be excluded from my consumer report because they violate my consumer rights based on the FCRA. 

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 Recovery The following codes below support my request to have the items above excluded from my consumer report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

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 2018-07-22
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The amount of XXXX was taken from me by XXXX. There was a claim filed then I got the money back. The bank reversed the claim and forced me to pay it back. The claim was filed XX/XX/2018. Wells Fargo gave the money back then claimed it wasnt fraud by forcefully taking me into saying it wasnt.

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 2023-03-22
Company: EQUIFAX, INC.
State: MI
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:
I asked the credit bureau to do A verification of everything on your credit report and they did they stated that everything was accurate and I did a thorough research myself and found improper inaccuracies use on the credit report. Even after they did the research. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # 151G accordance to the fair credit reporting act conversion account is violating my rights. They are 15 U.S.C 1681 section 6028 states that 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 constructions.

Company response to consumer: Closed with explanation