BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: PA
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: DISCOVER BANK
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:
This Discover Bank account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of XXXX XXXX XXXX  as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.

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 2023-02-14
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:
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 explanation
Consumer complaint received 2023-06-27
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:
This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a XXXX on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the XXXX, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the XXXX be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed 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 2023-05-18
Company: EQUIFAX, INC.
State: IN
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 explanation
Consumer complaint received 2023-02-09
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:
I sent a letter on XX/XX/XXXX, to remove the following inaccurate information that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. Please investigate this closely and remove them from my file as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$7600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$120.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had an ongoing issue with Wells Fargo and closing my account. I have companies that debit my account for bill payments every month. I attempted to contact certain merchants/creditors to stop debiting my Wells Fargo accounts. I was beginning to overdraw my account. I asked wells Fargo to close the account around XX/XX/XXXX. They said it had to be at XXXX and no pending charges. I go control back inXX/XX/XXXX, but XXXX the same thing started happening but this time Wells Fargo never responded to any of my messages but one. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted them to close the account. I have paid over 600 dollars in overdraft fees. I am sick of them giving me stupid policy answers. I worked for three banks in a span of 13 years. Wells Fargo 's business practices are unethical and harm the client. There was a period of about 3 or 4 days where there were no pending charges and the account was XXXX. I send messages on XX/XX/XXXX to close the account. They did nothing. I have asked them repeatedly to do this. This account was opened online and will be closed online. I do not have a relationship with any servicing branch. I want my fees returned to me in the form of a cashiers check so that I can have my money and to bill me for the remaining amount and close the account to all debit posting. They know what to do but refuse to do it because they are greedy. If there is no resolution by the end of the week and I do not care that it is XXXX, I will continue to escalate this to my attorney. I am done with you people at Wells Fargo. Give me my money back! All of it! Or pay another class action because I see this as a huge 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 explanation
Consumer complaint received 2023-02-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The process was totally generate re-I have a VA loan. If you look at the closing statement, you can see where they bought my interest rate down from XXXX to XXXX XXXX quarter number one they had no reason to buy down an interest rate because of me being a veteran and because my credit score was over 680 at the time and I will send you copies of all these things. The x-ray which is applied to our loan should have been down in the twos or XXXX XXXX % because of the time of our purchase. XXXX XXXX waited till the week we close on the home loan to lock in a rate we have been looking at this home back in XX/XX/2021 put a bed on and everything why wasnt the rate locked in a lot sooner. 


Also, we had {$50000.00} give it to us by two different individuals with our friends lives if you look at the mortgage closing statement only {$30000.00} was listed but the {$20000.00} is nowhere on the contract. Where is it who has it the money was not give them back to us so and I can show you the letters for me getting P individuals I will attach. The old is well. Here is about the money that was more of the gifting money and Im cute as well why the longer bravo them and it had no reason to be ball run down because he waited until the last week to do it because he was upset with the fact that I paid off all my bills and he told me that XXXX tell me how to spend my money thats exactly where is verbatim from his mouth.

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 2023-05-15
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Last year I was low on funds for my XXXX birthday I decided to go to title max for a title loan that was XX/XX/2022 I qualified for XXXX but only got XXXX a couple months went by of me paying XXXX every month I notice on the billing app that my balance wasn't changing so I called to ask why was that I was told that the XXXX was just to hold the title and nothing else and if I wanted to make the balance go down I would have to pay more than XXXX at this point I'm in shock cause I have had a title pawn before and only had to pay XXXX extra dollars plus the money I borrowed that's it so the lady apologize for the for not explaining it to me fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be 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
Consumer complaint received 2021-05-10
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sold my car on XX/XX/XXXX. A Cashiers Check # XXXX was issued to TD Auto Finance on XX/XX/XXXX in the amount of {$12000.00}. Later, I received a bill from TD Auto Finance and I noticed the payment had not been posted. So, I called my bank and found out that the Debit to the Cashier Check had not cleared and I was informed by them that it was most likely lost in the mail because it was over a month it had been sent to TD Auto Finacne. I called TD Auto Finance and sent them over the bank credit copy of the cashier check that was issued to them on XX/XX/XXXX and we both agreed it must have gotten lost in the mail. I spose with XXXX XXXX a manager there and he said they would honor the payoff if I faxed over all the information for him to see. ( Bank Credit Copy that was issued to them on XX/XX/XXXX, Stop Payment of Cashiers Check and Reissued Cashiers Check ) I did do that and have all the documentation to prove it. Today, XX/XX/XXXX I received a bill from TD Auto Finance for {$59.00} that included a late charge. When I called I was on hold for 30 minutes before a representative said I had called the wrong number she could not help me any further. So, I called the number she gave me and it was the number to the Charge Off Department which my loan is absolutely NOT charged off so they told me I had called back the department I previously called. Once I called again I was transfer again and then transferred again to a manager who I either became disconnected with or was hung up on. ( I will go with the positive and hope I was just disconnected ). After that I called back and just paid the {$59.00} because I was not spending anymore of my time on he phone with no one that could help me. I just fee that I was lied to as a consumer by being told they would honor my payoff when they ended up charging me a late fee and additional interest. I have not checked my credit report as of yet but I'm sure this late payment will reflect negatively on my report and I feel as though this is not my fault because I contacted the company and sent them all information they asked for. Thank you for your time in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I had ben a customer with Wells Fargo in XXXX area for approx 20 yrs. I was unhappy about some of their banking practices, so I moved over to XXXX approx 2years ago. On approx XX/XX/XXXX I revieved a settlement check from Wells for a class action law suit for XXXX ( I will attach copy of this check ). I went into a local branch in our community of XXXX, MN on approx XXXX to cash. They refused to cash the check as the law suit against Wells was issued by " XXXXXXXX XXXX  ''. The branch manager XXXX # XXXX explained the corp procedure, but agreed it was not right, so he opened up a complaint to his corp hdqtrs ofc and I received a # XXXX with their consumer advocate team. Approx XXXX I called XXXX and was told to ask for XXXX. After 4 unreturned calls and over a week went by, I finally got in touch with a XXXX XXXX. She did tell me that she would research to help with cashing the check and call me back ASAP. On XX/XX/XXXX I get her phone call and she reads to me the procedure that I would have to open a account with Wells to cash or deposit at my other bank, but they refuse to cash at our local branch. This is consumer FRAUD! You settle a lawsuit and then refuse to cash the check???? Something wrong here, not worth getting an attorney, but I would like to see CFPB get on top of this as their regulator and force them to cash " THEIR SETTMENT CHECK '' Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian, the credit reporting company, has systematic policy and procedure failures in verifying and protecting the identity and credit reports of consumers. The agency should investigate for misconduct and/or to hold the credit reporting company accountable towards common industry practices already implemented by the other two credit reporting companies. 

Simply providing an individuals full name, full social security number, and zip code is sufficient to gain access to a consumers Experian account. An identity thief can then hijack the account to add fraudulent information or unfreeze the consumers credit report to initiate a fraudulent credit inquiry. 

Furthermore, their membership support representative are not properly or consistently trained on identity verification of consumers. Having called on three different occasions I encounter two different lax identity verification methods. It is no surprise an identity thief was able to gain access to my account, lock me out of my account, and unlock my credit file in order to initiate a fraudulent credit transaction. 

I hope the CFPB or a plaintiffs law firm can investigate their practices. The failures on Experians behalf in my experience are not unique to me, but systemic to millions of consumers who reply on the credit reporting agency for the integrity of their 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 2022-10-30
Company: JPMORGAN CHASE & CO.
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 XXXX accounts on my consumer report that are showing as Charged off. These accounts are from : JPMCB in the amount of {$42000.00} XXXX  XXXX XXXX in the amount of {$22000.00} XXXX Bank in the amount of {$8000.00} XXXX XXXX ( XXXX ), the amount does not show on consumer report XXXX XXXX ( XXXX ), the amount does not show on consumer report All XXXX of these accounts show Charged off on my consumer report. 
According to the Internal Revenue Service ( IRS ), a charged off account on a consumer report, must me filed with the consumers tax return as cancelled debt, with form XXXX. Which I have done. Once the account is charged off by the creditor, it is no longer debt, but filed as gross or ordinary income on the consumers tax return. Therefore, the XXXX aforementioned creditors, are inaccurately and incorrectly reporting these accounts on my consumer report to the consumer reporting agencies. 
According to the Fair Credit Reporting Act, a consumer 's consumer report MUST be 100 % accurate. 
These XXXX accounts on my consumer report are, in deed, inaccurate, and I request them to be deleted from my consumer report, effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phoenix Financial Services does not have a license to act in the State of California. They are attempting to collect a debt that they claimed I owe but are acting outside the bounds of the law. Their NMLS ID is XXXX. They are licensed in 12 states but California is not one of them. I already paid them {$260.00} but after submitting an initial complaint, I realized that they are not acting within the bounds of the law.

The letter they sent me clearly shows that it was mailed to my address in California and that they are attempting to collect a debt. They even accepted payment from me over the phone while I was in California. This is highly illegal and they need to be investigated for engaging in illegal activities.

For anyone who is dealing with Phoenix, double-check their NMLS ID to make sure they are able to practice in your state. Very likely, they aren't. The image I provided clearly states " California License Number : Application Pending. ''

Company response to consumer: Closed with explanation