BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2022-12-02
Company: JPMORGAN CHASE & CO.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After a battle in which chase continues to refuse to accommodate my XXXX, I was able to get on a payment plan. Now chase has not abided by the terms of this plan, in which I am to pay XXXX $ per month until the account is paid off. They have increased this amount without my knowledge and continue to report my account as past due against my credit report. This goes directly against what the customer service rep told me, which was that this plan would bring my account current and they would stop reporting my account as past due! They are still requiring me to make phone calls which I am physically and financially unable to do, this discrimination must stop! I have over 14 unanswered requests for a XXXX accommodation and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As Wells Fargo has demonstrated a total lack of reading comprehension skills, they get to respond for a THIRD time. Maybe this time they'll get it right. 

In my previous complaint, I pointed out that WF stated they informed XXXX ONLY that I was a successor in interest on the mortgage. But I am ALSO the administrator of the estate. THAT was the point in the second complaint. So, since WF continues to be obstructionist regarding the documentation provided to XXXX, and based on their previous response, I am SPECIFICALLY requesting the documentation sent to XXXX with PROOF it was sent regarding my status as the Administrator of the Estate of XXXX XXXX XXXX XXXX, PROOF that the XXXX documentation was sent to XXXX, the information regarding the status of the CARES Act forbearance and PROOF that it was sent to XXXX, and documentation of the payments made in XXXX and PROOF that it was sent to XXXX. 

I trust this is clear enough and specific enough for WF to understand and provide actual, meaningful response to, not just deflections.

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 2020-07-31
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1.She pulled our credit report Four times without our permission 2.long time no respond .we asked her many times processing time, but she hold our case over half a years .waste our time and money.

3.because of Covid-19, she went back to XXXX so communicate so touch and hard to connecting.she is not professional 4.She told us no closeting cost on refinancing.But she charged us $ XXXX on Commission fee .No work ethic and moral.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: WA
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 several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are XXXX, Equifax, and XXXX XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: MIB Group, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I dont have any of these sickness that have been place on my MIB report. I believe someone else information was placed under my name. Please reach out to my Physician for my up to date Medical records. 
XXXX XXXX XXXX XXXX Or fax number XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX or fax XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed false reports on my credit history that are not to any of my knowledge and have not consented to any of the negative reports affecting my credit. Please review and remove all unauthorized false reports from my credit report as soon as possible. 
Accounts Affected

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 2021-08-24
Company: EQUIFAX, INC.
State: NY
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:
Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX  and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: U.S. BANCORP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US BANK, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF XXXX  XXXX XXXX PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL XXXX  CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. US BANK IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF XXXX  OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT US BANK IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED US BANK TO THE XXXX  AND XXXX  ATTORNEY GENERALS, AS WELL AS THE XXXX XXXX AND THE CFPB AND THE 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 2022-07-09
Company: Experian Information Solutions Inc.
State: OH
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 Reporting act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-09-13
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with XXXX XXXX XXXX in California, my account is linked to Zelle. I received some fraudulent charge text alerts on my phone and then immediatley received a call from a person claiming to be from my Credit Union. They listed some fraudelent charges to me and aske id I had authorized them, I said no to all. Then they asked if I approved a {$1000.00} Zelle payment to someone XXXX XXXX and I said " no '' I didn't authorized that. He then said he'd send me a text to verify this and instructed me to type " Yes '' to indicate that I wanted this transfer reveresed which I did. I then almost immediately realized that this was a scam but it was too late because the money went out of my account to someone named XXXX XXXX and the banks take no responsibility for fraudulent Zelle charges and Zelle 's policy is that they don't either. So now I am out of {$1000.00} of my hard earned money because there are no safeguards in the banking industry for this and no-one, the financial institutions or Zelle, takes any responsibiliy. It's as if someone walked up to me, and took my money right out of my pocket and nobody cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Affirm Holdings, 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: Account information incorrect

Complaint:
Affirm Inc. and their debt collector XXXX XXXX is reporting inaccurately to credit reporting bureaus. 

In CFPB Complaint number XXXX Affirm Inc. agreed I was not responsible for a reported debt and agreed to remove their reporting from my credit report. They have not removed it and denied removal through credit report dispute process. 

Affirm 's response to previous CFPB complaint acknowledged the item is not mine, " Affirm records indicate that after additional review of your case, the Account XXXX team found you not responsible for repayment and sent you an email informing of this resolution on XX/XX/2022. The loan was labeled as unauthorized and will be removed from your credit report within Affirms next credit furnishing cycle, which may take between 30-60 days. '' Affirm has not honored their commitment to remove this unauthorized item from my credit report. It is causing significant damage to my credit history as it shows XXXX payment history and is reported seriously delinquent. This has caused significant financial hardship and threatens my XXXX security clearance and employment. 

I have provided Affirm Inc. a reasonable amount of time for this item to be removed. I have disputed the debt through XXXX providing Affirm 's own response from the previous complaint. Affirm is still refusing to remove this unauthorized item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I have opened an account responding to PNC bank {$300.00} checking account promotion. The promotion stipulated a {$5000.00} or more deposit of new funds within 60 days of account opening in form of direct deposit. As XXXX XXXX I informed the account opening person that the amount of money will be deposited in several transactions including two coming from IRS and IL state govt as well as overseas wire transfers. I was told that it will be fine. Subsequently I left on overseas work assignment which lasted from XX/XX/XXXX to XX/XX/XXXX. 
In my absence I received two notifications from the IRS dated XX/XX/XXXX stating that two attempts by the IRS to deposit the {$4200.00} refund were rejected by the bank. I also received a notice from the IL Dept of Revenue dated XX/XX/XXXX that the {$990.00} deposit was rejected as well. I confirmed the account and routing number with both IRS and IL Dept of Revenue and I was also informed by the XXXX, IL branch mgr XXXX XXXX that the account info provided was a correct one. 
Subsequently as sign of good will I attempted to deposit the check for {$4200.00} drafted on both my wife and me to my account at PNC Bank but the check was refused. First the branch employees at XXXX, IL informed me that it is a federal regulation requiring the bank to have both check beneficiaries present at the time of deposit and the deposit will be performed only upon the successful conclusion of the ID check. The check was already signed by my wife. When I responded that I know provision of both Patriot 1 and 2 Act ( as journalist I covered this legislative product quite extensively ) and the provisions do not require both depositors to be present with their ID, the branch personnel changed their story that now it is " bank 's policy '' When I asked to see that policy I was refused stating that the policy is internal and proprietary and they are not required to show it to me. 
Subsequently I contacted the PNC Bank corporate and the company still didn't explain why both of my tax returns were rejected. As far as my paper check is concerned I was told that it is again " the internal policy, '' and the bank was within its right to refuse it. 
It is my belief that the bank purposefully rejected both electronic deposits totaling {$5000.00} so the transaction threshold qualifying me for the bonus would not be met therefore the bank wouldn't have to pay the account opening bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am not liable for these debts and do not have a contract with them. They did not provide me with the original application/contract with my wet signature like I asked for or Lisence to collect debt in my jurisdiction. And it's been more than 30 days as well.

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 2023-05-17
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: Account status incorrect

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 an 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 or 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: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Convergent Resources, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. 

I badly need your help on this matter.

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 2018-05-10
Company: EQUIFAX, INC.
State: CT
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 transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XXXX and was told it would be resolved in a few days My current mortgage company called them again on XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: VA
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 am not liable for these debts and do not have a contract with them. They did not provide me with the original application/contract with my wet signature like I asked for or Lisence to collect debt in my jurisdiction. And it's been more than 30 days as well.

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