BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
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:
My rights have been violated in relation to an account on my credit report. I reached out to TransUnion and requested that inaccurate information be deleted off of my credit report. TransUnion states that an investigation was done in regards to an XXXX XXXX account listed on my report; however errors and inaccuracies still exist on the report. My payment history is still not accurate. It is still showing differences in payments made across all 3 Credit Reporting Bureaus. How can validated information vary among the Bureaus? The credit limits, high balances, and payment history are all being reported differently to each of the Credit Bureaus. This is in direct violation of my rights. 

I have attached the investigative results by TransUnion and a copy of my credit report with the errors circled in red. 


15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted and all negative information removed. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

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 2021-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is account from possible finance reporting on my Experian report. This account has been paid in full and delete from all other bureaus as agreed by company. Ive called out and spoke to reps about my concern with the fact there reporting me charge off and this account was taken care off. He informed me it would be corrected. Ive received my recent report and guess what? Its still showing delinquency. Not to mention about of my rights according to FCRA INFO MUST REPORT WITH ACCURACY FAILURE TO DO SO MANDATES DELETION Please look into this for me

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 2021-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with XXXX XXXX  was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called XXXX XXXX  today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to file a formal complaint against Chase Bank due to the sudden closure of my account without any prior notice or valid explanation. As a longstanding customer with a commendable history of financial responsibility, I was surprised and distressed by this unexpected action. Despite numerous attempts to obtain clarification from the bank, I have not received any satisfactory explanation for the closure of my account. 

The sudden closure of my account has caused significant inconvenience and financial disruption. Without any explanation from Chase Bank, I have been unable to understand the reason behind this decision or take appropriate measures to resolve any potential issues. This abrupt action has not only impacted my personal finances but has also caused me considerable stress and frustration. 

I request your urgent intervention in this matter to ensure that I receive a clear and valid explanation from Chase Bank regarding the closure of my account. Additionally, I seek your assistance in ensuring that Chase Bank adheres to all relevant banking regulations and standards, providing customers with transparent communication and fair treatment. 

Enclosed with this letter, please find copies of all relevant documents related to my account with Chase Bank, including any correspondence that I have attempted to initiate with the bank regarding this matter. 

I am hopeful that with your assistance, I will be able to resolve this issue promptly and receive the necessary information to understand the reasons behind the sudden closure of my account. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing information.

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 2021-08-30
Company: Experian Information Solutions Inc.
State: LA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-15
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CMG is the worst mortgage servicing company I've dealt with. Their customer service representatives are unable to properly deal with customer issues and are almost exclusively reading from a script without any break from the company line unless you attempt to escalate through many agents and/or departments. 

My latest issue is trying to remove PMI from my mortgage. This department has no human presence, no phone number, no department to speak with via transfer, no named email address. The only way to receive information regarding PMI is to email their address at XXXX which is presumably an outside service provider. 

My first email to this address was on XX/XX/22 with regards to receiving an updated property appraisal to review and modify my XXXXXXXX XXXX XXXX XXXX. I received an email response 22 days later that I was ineligible to remove PMI. 

I immediately responded, same day, to their email for clarification on eligibility on XX/XX/22, I received my response 18 days later that I needed to resolve my COVID XXXX forbearance before receiving additional information on removing PMI. 

It took 41 days for this company to answer a very basic question to their customer regarding the removal of PMI. 

On XX/XX/22 I had my XXXX mortgage payment cleared and I email the department again about the removal of PMI. As of this time, I still did not know what the process was to request an appraisal to re-evaluate my XXXX on my mortgage. 

They responded 23 days later with the details needed to move PMI from my mortgage. This being a full 97 days from my initial inquiry. 

I sent a check as requested to process an appraisal in XXXX, I received an email from the PMI department on XX/XX/XXXX that I was ineligible for the appraisal. 

I had, for the first time delinquent, submitted a mortgage payment for XX/XX/XXXX payment on XX/XX/XXXX. I then followed up that payment with a second to satisfy my XXXX mortgage payment. However, that made my mortgage payment history with a single 30 day late payment. 

This resulted in me being ineligible to request an appraisal to modify my mortgage XXXX for the chance to remove PMI for at least another 12 months. 

I'm of the opinion this is setup by design to make the appraisal and modification of PMI as difficult for the consumer as possible and to the benefit of the mortgage/PMI servicer. 

I'm set by a specific standard by my mortgage company and I don't believe they are set to the same standard. I should be able to speak with this department directly as a consumer and get answers to my questions as needed, not wait a consistent average of 21 days before receiving replies to basic email inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I receive a check for my daughter, they said it's below XXXX dollars so they have been keeping XXXX a month out of it for years ssi check.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: AL
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 your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2021-03-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I disputed items on Experian report over the last few months. 
Since I started disputing items they have refused to correct items on my credit report and now I cant access my report anywhere! 
They actually moved all addresses from my report since I provided documents to update my address to the correct address. 

I also tried to serve Experian since I am also pursuing legal action and XXXX issued a letter stating they can not forward the letter.

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 2018-10-17
Company: Experian Information Solutions Inc.
State: CA
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:
I have submitted a dispute to Experian for multiple inaccuracies found on my credit report. Mainly a report of Bankruptcy on my report and the status of multiple accounts showing as " account included in bankruptcy. '' I never filed for bankruptcy and there should be no reference mentioned on my credit file. 


The investigation from Experian came back as verified for accounts such as : XXXX XXXX, XXXX and XXXX. All of these accounts also show paid/never 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 explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: PR
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:
The Credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate? This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A. States 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
when pendemic hit us, i ask for forbearence, they gave me forbearance fro 12 months, now they are asking for all money at once, i ask them for repayment plan, they dont want to do that, they say you only can stay behind three months to get repayment plan.otherwise they will seek for forclosure, in fact they are asking all there moneyback by XX/XX/2021.

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 2023-01-21
Company: Credit Karma, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2022 i opened a money spend checking account with credit karma I did so because I knew Id be filing taxes through turbo tax and with the account being advertised as free I honestly didnt think I could go wrong doing soI made a few automatic transfers into the account just to show activity to avoid it being closed and otherwise relied on my email to notify me of any other activity on the account. I had also opened a savings account with credit karma which is still open. So now the time has come to file taxes and when I go to link my money spend account with XXXX Im alerted that my Account had been closed ..i received no warning prior to the closing nor even a reason of why when I searched my email.I contacted credit karma they opened an investigation to see why it had been closedsame night I reached out again the next rep informed me they closed my account over a -3 balance in which I remind you I was never even notified about so that I had time to pay it.she also notified me that because of my account being closed that I was unable to reopen my account.I attempted reaching out again with disbelief and hopes that someone would Help me set this straight but was only Told that I couldnt reopen my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I called XXXX customer support to understand why my in-app payments were not going through. I was then told my Wells Fargo XXXX account was closed on XX/XX/XXXX without any warning, resulting in a loss of over XXXX rewards points in my XXXX account and a severe drop to my credit score. When I called XXXX customer services on XX/XX/XXXX to learn more, none of the agents had any information about why my account had been closed. I was transferred 4 times before an agent told me that a letter would be arriving with more information and that is the most she could do. When the letter arrived on XX/XX/XXXX, it contained little-to-no information about why my account had been closed beyond 'suspicious payment or account activity, or money that we could not collect. ' So, I called the number in the letter for more information. After being transferred XXXX times once again, nobody was able to provide any information about why my account is closed, stating that 'there 's nothing in the notes about the closure. ' The last agent informed that the fraud department is handling my account and the she could email them to get in contact with me since they do not have phone to call. Two weeks later on XX/XX/XXXX, I had not received any calls so I called the number in the letter again. After having to explain my situation again, I was transferred to card services, who quickly ( and incorrectly ) transferred me to business card services, who then transferred me to another support line. The agent I spoke to was finally able to tell me that my account had been closed due to " 6 returns in 6 months. '' I contested that all but one month 's payment had gone through, and that my account balances would reflect that. She escalated me to her supervisor, who explained the same thing to me. I asked for a contact with more information, and she transferred me to a customer advocacy representative who listened to my situation and escalated my account to by reviewed by the " Executive Office. '' I am now waiting to hear back from that office about reinvestigating my account. I have been told by many agents that my account can not be reopened, and I have to submit disputes to the credit bureaus to hopefully recover my credit score. I did everything to pay this card on time and use appropriately in alignment with guidance XXXX and Wells Fargo, and have been unreasonably punished and robbed of benefits and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Prepaid Debit card with US Bank ( Relia Card # XXXX ) was used for withdrawals by unknown hackers three times in a row. US bank informed me that the amount of {$2000.00} withdrawn on XX/XX/2022 was transferred to an account with XXXX bank ( XXXX ) and the other amount of {$2000.00} withdrawn on XX/XX/2022 was transferred to an account with XXXX bank ( XXXX ) as well. And finally, an amount of XXXX was transferred on XX/XX/2022 to an account with XXXX Bank ( XXXX ), but didn't give the XXXX Bank Ac info. When I investigated and asked for help, XXXX refused to give me any information about where the money went. I even showed them that my XXXX account didn't get any deposits. US Bank investigated but concluded that no error had occurred assuming that I may have approved these transactions. I got lost between XXXX and US banks as neither one was willing to help.

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