BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit Acceptance is reporting different information to the different credit bureaus. Since the information is not uniform across all three credit reporting agencies it is not clear they even know the correct status of the account if I even have an account there.

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 2023-01-30
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When wells fargo owned my mortgage they foreclosed, after refusing my full payment due to be current. I had carried over half a payment due for two months ; all the while communicating a hardship I was working to rectify. I spent two years in court mediation fighting for the modification program I was promised that would happen in 90 day time frame. Their underwriters never did their job and I had to provide profit and loss reports over the two year period every time i had a court date yet their underwriters were never prepared to make an offer and rewrite my mortgage with a lower interest rate as promised.

after two years and my mediator actually retiring the new mediator lost it on wells and they came back with an offer of a 40year mortgage instead of 30yr at a higher payment amount! I refused and the new mediator only looking at how long wed been in court told me to take the offer or the court would not protect me anymore. I was only offered that one deal and the mediator would not listen to the fact Id be XXXX XXXX XXXX and still paying a mortgage that this was no modification it was gross misuse of power. How do I fight a bank? 
I have been paying this mortgage consistantly since the whole modification issue. I have not faltered on payments since. It was an isolated incident with a client pulling out of a three month project.

I truly believe wells fargo owes me for all this interest and the problems it cost with my credit. I saw they are finally being held accountable and I want to be heard. I have EVERYTHING from court. I can prove how crocked the entire situation and process the wells fargo was using. I am a bookkeeper. I run three offices. I keep impeccable notes. Please help 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 2021-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I used my Chase debit card for online vacation package purchase made to XXXX XXXX. Please review the attached. I am not represented by a lawyer. I filed a dispute with this company demanding my money back due to fraud ( services were not provided as described/false advertisment ). Chase Bank failed to process my dispute, even though I fully met the burden of proof. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
All XXXX bureaus failed to follow proper credit reporting procedures and laws throughout my past 3 months in the disputing process. On XXXX I sent certified mail disputes to all XXXX bureaus regarding inaccuracies on my credit reports. Please see the attached document for more information on what went wrong. Here are the tracking numbers and evidence. 

( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX to Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX to XXXX XXXX Mail, XXXX, Transunion, and XXXX received notice of my XXXX dispute on these dates below XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX am Transunion XX/XX/XXXX, XXXX pm XXXX After receiving notice of my XXXX XXXX Transunion Consumer Solutions removed the XXXXXXXX XXXX Account XXXX from my credit profile on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. I did not receive notice of this within the XXXX business days as required by the FCRA section XXXX. 

Similarly, XXXX XXXX XXXX XXXX, received notice of my XXXX dispute and removed the fraudulent XXXX XXXX Account on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. Again, I did not receive written notice of this within the XXXX business days as required in the official FCRA XXXX section. This is a violation of my rights and the account needs to be deleted off my profile immediately because of it and the inaccuracies pointed out. 

XXXX did the same and failed to follow proper FCRA credit reporting procedures. The XXXXXXXX XXXX account XXXX was re-verified and is still affecting my credit today. 

Alongside this, all of the companies did not provide me with any of the information I requested such as the proof and evidence that was used to verify the XXXX XXXX account. I requested the investigation information very clearly in all of my disputes. Nonetheless, all three XXXX, XXXX XXXX XXXX XXXX, and Transunion Consumer Solutions, all failed to provide me with the information I requested. It is my right under FCRA consumer law and I am utterly shocked that all XXXX of the companies can not keep it together. 

Again, please see the attached document for more explanation of what went wrong.

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 2023-06-12
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Rocket Mortgage on XX/XX/21 to exit my forbearance which was set to end on XX/XX/21 .I immediately asked for Covid 19 Recovery modification. After being put on a brief hold I was told I qualified for a partial claim but not a modification. I asked the rep why I did not qualify for the modification which was supposed to help reduce p/I by 25 % .The rep said I didn't qualify, she didn't know why and she was sorry it wasn't anyone else that could help me because it is the " underwriting " dept who makes these decisions. According to everything I researched on te HuD.gov website I do qualify for the Covid 19 Recovery modification and basically I want why I was denied and not considered for the govt mandated program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX  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 these reporting accounts as unverified information without providing any proof within the period allowed by law. Below is the accounts that need to be removed : 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX didnt respond back on a hard inquiries complaint ( XXXX + business days ) Complaint company hard inquiries XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX, XX/XX/2023. 

I have a fraud alert on my credit profile and didnt give no one permission to look into my 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-01-31
Company: OneMain Finance Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX closed my account in XX/XX/2022. And then had to do it again the account in XXXX XX/XX/2022. They finaly got the account closed. Or i thought it was closed. They reopened the account and charged to it and reported to credit agencies that I was payment was over due. witch drooped my XXXX XXXX by XXXX points. Have talked to customer service they transfered me to the fraud department, then I was transferred to disputes, and then back to customer service. They kept me in a circle jerk for over XXXX minutes. I finaly got fed-up. And went to you. I have checked online and there are hundreds of people that have complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Bankruptcy is being erroneously reported on my 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 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX violated my consumer rights. A debt validation letter was sent to this company on XX/XX/2021. This company failed to provide any documents validating this alleged debt. Instead, they sold my personal information to another debt collector after receiving a cease and desist all collection activity letter. This company has harassed and sent threatening parcel to my residence without prior consent. This company has also threatened me with foreclosure on my home and that they would charge a late payment fee on an alleged debt I do not owe to them. I am the original creditor and my consumer rights has been violated. I have communicated with this company the they do not have consent from me to sell my personal information to anyone and that it would be a direct violation of identity theft if conducted. Listed below are all the violations : 15 USC 1692f : Unfair practices, 15 USC 1692e : False or misleading representations, 15 USC 1692d : Harassment or abuse, 15 USC 1692c : Communication in connection with debt collection, 15 USC 1692j : Furnishing certain deceptive forms, 15 USC 1692 : Congressional findings and declaration of purpose, 15 USC 1692k : Civil liability, 15 USC 1691e : Civil liability, 15 USC 1691c : Administrative enforcement, 15 USC 1691a : Definitions ; rules of construction, 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1681c : Requirements relating to information contained in consumer reports, 15 USC 1681b.

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 2021-11-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted numerous requests, made numerous phone calls, and submitted documents to XXXX XXXX XXXX XXXX ( XXXX ) to correct the late credit reporting status on my Credit files. I have also disputed the incorrect reporting with each Credit Bureau and as of today, still not corrected. This has been ongoing since XXXX of this year. 

XXXX had added a XXXX XXXX XXXX ( XXXX  ) to my current XXXX XXXX. Which also took me making numerous of complaints, calls and document submissions to have it removed. The XXXX  is XXXX  excuse for reporting my loan 30 days late. The XXXX has since been refunded and the actual refund date was the same as the start date of the XXXX. I am submitting a screenshot which shows the dates were the same. However, I noticed today the dates have been changed. Why manipulate dates, amounts, etc. if you are correct in your records. I was told by an associate at XXXX ( XXXX XX/XX/XXXX ) that all which occurred during the time of the incorrect XXXX  would eventually reflect accurately as before the XXXX was added, as if it was never added. This has not happened. Again, XXXX was refunded but my account is still reporting 30 days late for XXXX, XXXX, and XXXX of XXXX with the Credit Bureaus. 

Only recently had my account been late due to unforeseen Family circumstances, but it has never been 30 DAYS LATE. As I stated, only recently late and I have had this loan since XXXX of XXXX with NO previous issues. This mishap with XXXX  is affecting my livelihood and career. As, I am XXXX and are due for my XXXX XXXX and this late reporting which is in error will affect my potential Clearance level and other potential credit offers. The stress and fear of my Clearance are things NO Lender should be permitted to put their Consumers through. This part of this ordeal is totally unforgiving and unrepairable. This Lender/Borrower relationship is beyond over and I will share the entire negative experience with my Military Community, Family and Friends.

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 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX I participated in what was called a " selection '' to be coached by XXXX XXXX for free. After I actually found out that this process was a frivolous sales process. After receiving many emails inviting me for a free meeting on XX/XX/XXXX I entered in a videoconference call with other people being interviewed one by one by XXXX XXXX. Once I spoke to the " interviewer '' and was mislead that I've passed on the interview, I was brought to another videoconference to talk to a person who requested my credit card information. I thought that was one more step of this selection process and I cooperate with this person, giving my credit card information. I thought my card would not be charged because there was any type of contract or agreement. Unfortunately, on XX/XX/XXXX, I realized I was wrong and subsequently I decided to ask for a reimbursement. So, I email XXXX XXXX XXXX to request my reimbursement since I've never received or signed any terms or conditions and any other type of agreement. I received an email from XXXX XXXX XXXX, saying that their Terms and Conditions, which I've never received did not allow reimbursemts. For this reason, I disputed the transaction with Bank of America. However, on XX/XX/XXXX, Bank of America sent me by mail a request with explanations and the answer of the merchant to my dispute. The answer was showing all the free invitation emails sent by XXXX XXXX XXXX and a form of order EMPTY, that was never filled by me. They also could not provide any terms and conditions or other agreement showing my signature as I proved with the documentation sent to Bank of America on XX/XX/XXXX. Even under those circumstances Bank of America is still charging me and saying : " We didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: American Student Assistance
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with AM STD ASST, XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, AM STD ASST, XXXX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2021-11-19
Company: Absolute Recovery Services, LLC
State: NV
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on ABSOLUTE RECOVERY SERVIC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account starting in XXXXXXXX XXXX XXXX and the account got closed without my knowledge sometime in XXXXIm not sure how much money if any at all was in the account when it was closed without my knowledge.

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