BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX purchased my mortgage from the originating Bank in XXXX. In XXXX I filed a chapter XXXX and XXXX either sent the reaffirmation paper work and did not handle it properly OR they did not. ( XXXX had a second and it was reaffirmed and paid off ) Since that time XXXX has NOT reported my continuing loan payments to the credit bureaus causing me to be unable to get a favorable review as I have searched for a mortgage refi ( or any loan for that matter ). Recently I took advantage of the government mandated Forbearance program, during which time I paid my escrow amount each month. The program ended for me and I began paying the mortgage payment ( reduced by {$20.00} ) in XXXX. I now have seen a email account update where XXXX has not added time to the loan, but moved the unpaid interest and principle to the " balance line ''. I have asked for a refi with today 's fantastic interest rates and the answer is NO. NO OTHER mortgage lender is willing to take me on as a customer. I am hoping to negotiate a new loan with WF at today 's rates, but that does not seem to be an option for them. Please advise as to what might be options to move forward with this situation. Thanks, 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 2023-10-08
Company: Experian Information Solutions Inc.
State: MI
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 is not conducting reasonable ( re ) investigations. Experian claims they " contact '' the data furnisher, but in reality they simply utilize the automated process through eOSCAR to update information from the data furnisher. They take zero documents submitted by the consumer filing the dispute ( and simply wait for the data furnisher 's response. The data furnisher and/or Experian the wait out the clock, after which Experian provides `` dispute results '' peculiarly the day before the thirtieth day since complaint ( dispute ) filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On Wednesday, XX/XX/XXXX, at around XXXX PST I entered the Chase Bank at the address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX 

For some context, I have been banking with Chase since at least XXXX, and Im a person of XXXX on the XXXX XXXX. The incident Im complaining about is the second time something of this nature has happened to me since Ive moved to XXXX XXXX about a month ago. 

Just before walking in on XX/XX/XXXX, I could see the security guard through the glass doors eyeing me intensely. I was with my partner, and she had noticed the same. As soon as I had entered, this security guard approached me and was clearly suspicious of me. 

He stepped in front of me, as to block me from proceeding to the tellers, and asked me what I was there for. Shocked, I mentioned that I was there to withdraw cash. He insisted I use the ATM machines at the front of the bank. I complied. 

Shortly after trying to withdraw cash from the ATM machine, which was challenging to use, I noticed a white woman enter the bank. The security guard was very friendly and hospitable with her, in contrast how I was treated. 

As it was now clear to me that I was being discriminated against, I asked the security guard if I could see the tellers to help me withdraw the cash as using the ATM was too much of a challenge. I voiced my concern that this was the second time Ive now been treated poorly and with such suspicion in their bank. I was then allowed to see the tellers and resume withdrawing cash. 

I intended to call and follow up with this particular Chase Bank immediately after the incident, however, my partner and I have been beyond busy with preparing for a trip internationally. Therefore, I did not have any time to follow up and write a complaint letter to Chase Bank. In addition, being on the XXXX XXXX, I require the accommodation of additional time with my communications, and have been acting as promptly as I possibly can to complain to Chase Bank. I had left written complaints on their XXXX page and on XXXX, and have not since heard any response to those. 

Dealing with the discrimination, intimidation, and aggression from the security guard was highly stressful to me and was not justifiable. I am requesting a formal apology from this bank, and corrective action be taken towards the security guard who worked at that time and date at that bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: CO
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, 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 Law 15 USC 1681b ( a ) ( 2 ), my rights have been violated. Under this law, it says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give Equifax written instructions or permission to furnish the late payment on my credit report. 
Account : XXXX If the credit reporting agency is not able to show an affidavit with my written permission to furnish this late payment, then I exercise my consumer rights to have this immediately removed from my report according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
recently review a copy of my credit report and I realize that as a consumer Credit Collection Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please provide a listing detailing all account activity from XX/XX/2022 to the date this request is fulfilled - the months of XXXX, XXXX, and XX/XX/2022. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
for the last 2 months, I have disputed a {$3500.00} balance via XXXX XXXX XXXX XXXX. XXXX bank, The XXXX account should report a {$0.00} balance. XXXX, " We have reported a {$0.00} balance to XXXX, on XX/XX/2023. '' XXXX continues to report {$3.00}, XXXX as an outstanding balance. Which is reducing and destroying my credit score. I have called and filed a dispute for the last 2 months and no change. 

I am asking that CFPB to hold XXXX accountable and make XXXX remove all outstanding balances that are incorrect.

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 2021-03-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I need immediate attention I took the action of sending dispute letters regarding inaccurate and unknown things on my credit report on XX/XX/2021. I have not received a response and its been well over 60 days. This is absolutely unacceptable Ive been through enough hardship especially during this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the Equifax data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Revco Management, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  has been selling this collection to outside collectors. Theyve repeatedly been calling, and sending letters about this collection. XXXX has been previously asked to remove this collection from my credit report, but it remains on there and is continuing to cause damage to my report. They have since failed to remove it, and sold it to numerous collection companies who keep harassing me. XXXX failed to help me when I lost my employment due to COVID-19 and continued to charge my account late fees and interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I continue to receive phone calls and collection attempts on a medical invoice that was paid off back in XX/XX/2020. This has now hit my credit score. I want it removed from all credit agencies and all attempts to collect on this paid debt to stop. 

I have included a copy of the cashed check showing this bill has been paid PRIOR to being sent to collections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Experian on XX/XX/2023 its been over 30 days. I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ].

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number.

Also, I want to know who you spokewith and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
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: Investigation took more than 30 days

Complaint:
I have filed these disputes over 2 and half months ago giving a enough time for it to make it via the mail stream. At this time I still have received any results.

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 2021-03-20
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted They removed a card that was not suppose 2 please put it back on fcra violations

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 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I had a dispute, they gave me provisional credit as promised, then the next day, took the credits away and gave the excuses that the reason of why they are holding the provisional credits is because if the dispute isn't resolved in my favor the credits that were given would cause my account to go over the credit line!!! When I filed the dispute I was advised I would have full use of the credits while they investigate the dispute!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: SC
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 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 2021-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
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:
This letter is in response to your recent claim that ( XXXXXX/XX/XXXX XXXX, XX/XX/XXXX ILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX IL ] has XXXX XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( XXXX,XX/XX/XXXXXXXX, XX/XX/XXXXILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX- XXXX, XXXX XXXX IL ]. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX,XX/XX/XXXXXXXX XXXX ILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX - XXXX, XXXX XXXX IL ] regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX,XX/XX/XXXXXXXX XXXX ILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX IL ], bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

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 2021-03-20
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted They removed a card that was not suppose 2 please put it back on fcra violations

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 2023-05-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, 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 XXXX please 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 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 2019-12-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2019 Ive managed to purchase a XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX for the amount of {$480.00}. I didnt have a chance to examine the unit prior to checking out, and discovered the technical issue with the player only at home it wasnt reading files from microSD  card properly. Ive vocalized this issue to XXXX XXXX XXXX XXXX XXXX customer support over the phone and been informed that Ive could return the item back to XXXX XXXX XXXX XXXX XXXX, following their return & refund policy. The item has been successfully returned back to XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 via XXXX Tracking XXXX. Couple days after the package has been received, I gave another call to XXXX XXXX XXXX  and been told if the package has been received, I should expect the refund issued in 3-5 business days. However, I havent found a refund been posted to my account. 

Please, consider supporting documents attached. 

I have retained a copy of this letter for my personal files.

Company response to consumer: Closed with explanation