BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX and Experian have a Bankruptcy listed in my/our Credit Files ... ... ....!!

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XXXX, the same year someone filed a XXXX Federal Tax Return in my name only, and we have filed a JOINT Return since XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!

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 2023-09-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with 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 explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2020-03-19
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
my account is listed under XXXX It has a negative XXXX balance There is no transaction that matches this balance. 

I am disputing this is fraud I tried to call and I get referred to debt collector who also can not provide transaction detail Unless you can provide detail I want this credited and any negative credit reporting removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Amerihome has an issue with its payment system. When I do an electronic funds transfer it's always reversed within a couple of days. This wasn't a problem with the first few months. I called the bank and they said there is no issue on the bank 's side. 

I sent a check as requested by Amrihome but it was sent back with a letter stating " 5 possible reasons '' why they won't accept the check. Now they want " certified funds '' which I can't do in one place because no one locally will do a money or cashier check for that amount. 

Because their system is not working properly, I must carry a lot of cash on me in public to get multiple cashier checks. This is dangerous and extremely inconvenient. 

On top of this, they have ruined my credit by reporting the payments as being late on top of demanding late fees. So now they have captured me as a client and can get away with ripping me off for a problem they are on their side to start with. 

You would think a main topic for a mortgage company to focus on is the payment system Since it's key to the success of any mortgage company.

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had applied for a credit card because in the past two years Ive lost income and I was losing everything I was paying off such as my car. I applied through capital one and was denied. The response was delinquent account on my credit report. I want to follow up with a discrimination case per Equal credit opportunity act as well as following up with consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Account Balance : {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Scratch Financial, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
It has come to my attention that the company, ScratchXXXX Financial Inc., has reported that I owe money and have a signed contract with the organization. However, I must strongly dispute the accuracy of this information, as it is entirely false and misleading. 

I want to make it clear that I do not owe ScratchXXXX Financial Inc. any money, nor do I have any signed contract with the company. It is both inaccurate and unjust for such information to be reflected on my credit report, as it has the potential to harm my creditworthiness and financial reputation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: OH
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: TX
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, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I have been dealing with this issue through Wells Fargo for over a year. 
During COVID I was offered a forbearance on my < {$40000.00} Home mortgage. I have been paying monthly on this loan for over 15 years. 
I was told that I could repay the part of the loan that I stil owed from the forbearance period, at the end of my mortgage payment. I am a XXXX XXXX XXXX and can not pay back {$4000.00} in one payment. 
I was even offered another forbearance loan after this forbearance period ended. I didnt want to have too much to owe back, so I declined the 2nd forbearance offer. 

After a certain amount of time, the bank reposted that I owed them somewhere about {$4000.00} immediately, due to my forbearance. In response, I told them I understood that I was not required to pay the forbearance sum in a large lump sum. I believe that the payments of principal and interest would not be changed, and that I would owe on the the loan for a few more months. 
Wells Fargo responded with many different answers. I have them in writing and I have recorded many of the responses. The first response from Wells Fargo was that I need to open a new account that would " serve my needs better '' This new modified loan would need me to fill out a new mortgage loan application and fo through the entire process of getting a new loan. I was very upset. I told them many times that I didnt want a new mortgage loan account. I asked for them to please just let me pay at the back of the loan, like I was promised. This was never answered. 

Instead Wells Fargo placed an outstanding balance of over {$4000.00} on my mortgage loan account. I continued to pay the monthly premium of {$350.00} by the XXXX  of every month. I noticed that my payments were now not being credited to my principal and my interest. Instead the entire {$350.00} was being credited ONLY to my interest. So for a full year or more, I paid down interest on my loan. They never credited to " outstanding amount '' of {$4000.00} or my remaining principal. 

Im so very upset. This is really stressful They even threatened to foreclose on my home. Please help me. I dont know what else to do. 
Now I can not find my mortgage loan on my Accounts online. I call and spoke to 5 different people in different departments, per usual. From what I can gather, my loan is now in the processes of foreclosure. 

This news is crushing and I really do not know what to do. Please help me. 

Thank you for your attention to the matter. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX i received a bill from a debt collector name ( ERC ) Enhanced Recovery company trying to collect a debt of XXXX as XX/XX/XXXX between XX/XX/XXXX they said they bought the debt from XXXX XXXX XXXX my credit report has been damaged because of this they open it as a new account collection in my credit report. i call them on XX/XX/XXXX to ask them for the original contract agreement from this account and the representative denied my request because i refused to give her my address and also threatened with damage to my credit report she hang up on me, I called one more time i to get my request i was forced to give my address even though I didn't want i, then i received a mail with the verification and it was only a piece of bill from XXXX and XXXX, no contracts no payments history and signature. i called them back again on XX/XX/XXXX and had another altercation and they insist and damage my credit and threatened me with legal batters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX - Attempted to locate my current APR but was unable to on the US Bank customer portal. 
Reviewed my most recent statement to see XXXX different rates listed. 
Contacted customer service to get the accurate APR rate and have the inaccurate rates removed. I was initially informed to review my statement for this information. I informed the representative of the confusing information to which the response was similar to " well, that's where you find your rate. '' I asked to speak to a supervisor. I was transferred to the supervisor who informed the XXXX of the APR rates were for previous balances from previous years. I asked how I was to interpret that with the limited information provided, to which I received a response similar to " oh, I can see how you would be confused. I was also informed that there is no way to remove the inaccurate APR rates. 

To tell a customer to review the statement for the XXXX only to find it is very confusing to determine which is the correct rate is very dishonest and misleading.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: IA
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, the following list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 and have also reported late payments, which is also a violation.

15 USC 1681 Section 602 A States that I have a right to privacy 15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 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 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 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 2023-02-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account was utilized to deposit fraudulent checks. Once I noticed deposits into my account of roughly {$10000.00}, I placed a claim with my bank. After the claim was processed, the bank closed and dismissed it. However, the transactions made in my name were false for I did not authorize them yet the did authorize regardless of them being fraudulent.

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 2023-10-17
Company: MID-ISLAND MORTGAGE CORP.
State: IL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I XXXX XXXX a XXXX  citizen opened a. Capital one. 360 CD 5 year CD account this past XX/XX/2022 with a 2.40 APY interest rate which was good at the time of opening Know with the federal. Reserve raising the interest rate Capital one is know offering 4.00 and higher rates for a 1 year CD therefore I called a few times kindly asked capital one management if they could please Honor there new much higher rate of % XXXX APY applying the rate to my locked in 5 year CD explained this past XXXX I I had XXXX XXXX  XXXX  to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From USC in which I can supply if requested but they denied raiding my rate. 

I feal this is wrong I am being denied capital ones high % 4.00 APY rate I deposited XXXX XXXX I feal this is unfair capital one is not giving me this rate. 
I have high Medicall bills including a monthly XXXX XXXX XXXX XXXX of {$550.00} I pay as a Individuall I do not have a supplemental health insurence I do not qualify for Medicare I am paying double monthly health insurence premium compared to thousands of. People paying far less with there. Employers group policy. 

I am asking the consumer Finantial protection bureau to please adress if this unfair Rate increase I am asking for applied to my cd account which is offered to. Thousands of capital one  bank denied to. Myself XXXX XXXX  email 1 XXXX phone XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone tried to open a Chase credit card using my name and email. Assuming they have my social security number and Chase sends me to dispute with XXXX or make an account with them which i do not want to do or have in general

Company response to consumer: Closed with non-monetary relief