BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-14
Company: GREAT LAKES
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Opened a secured card. Company not reporting account, nor reliable payments. Opened for credit repair. They also charged a joining fee which was not obviously disclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: KS
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a five disputes to the following credit companies. Experian, XXXX and XXXX, dated XX/XX/2021 and the companies are not complying to their own policies in a timely manner.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2021-03-14
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My hippa rights were violated. Resolve inc sent me debt validation with my medical information on it including procedures and medicines. My mother in law opened my mail and saw all of my information as well. They have no hippa disclosure included in the letter and I have never signed any type of hippa release.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: WELLS FARGO & COMPANY
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
In XX/XX/2016 I purchased a computer via XXXX. The computer arrived broken and I returned it for a full refund. Between the time I returned the computer and the time the refund was issued I cancelled my account with Wells Fargo. I reached out to XXXX  to change the destination of my refund, but was told that the refund had already been processed with Wells Fargo. I received an Email detailing the refund on the XX/XX/XXXX, but when I reached out to Wells Fargo they repeatedly denied having received the refund. Throughout my repeated attempts to resolve the issue each company suggested that the other was at fault. I eventually lost access to my Wells Fargo account due to my cancellation of my account ( which I cancelled due to repeated undisclosed charges to my account ) so I was unable to see any further messages from Wells Fargo, who eventually marked my complaints as solved and stopped responding to my inquiries about the situation.

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 2021-03-15
Company: Duvera Billing Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am being grossly overcharged for a service that costed considerably less. 
I was not told that the fees would be excessive as they are and I believe there was a switch and bait with the paperwork completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report. It has been 45 days, so they should be erased immediately.

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 2015-08-24
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a VA home loan with XXXX XXXX back in XXXX and the loan fell through while in underwriting. I lost over {$1200.00} due to having to pay for the VA appraisal and XXXX different inspections on the home. I then applied for another VA home loan with XXXX XXXX in XX/XX/XXXX. I informed my loan officer who was XXXX XXXX of the my previous loan that had fallen through while in underwriting. I informed her I did not want the same thing to happen this time around. I told her the reason my loan had been denied ( residual income being too low due to number of dependents XXXX and she assured me this would not happen. I submitted my documents and she reviewed my credit and income as well as my tax statements. She then told me the loan would be approved and said that my residual income was sufficient because they were able to use more of my income than the previous mortgage company. I again informed her I was very hesitant to spend money on inspections because I wanted to be sure the loan would go through this time. XXXX again re-assured me several times telling me to go ahead and get the inspections going because she would send my loan to underwriting to get approval. She further stated the loan was a sure thing. After 3 weeks XXXX informed me that my residual income was too low and the loan was not going to be approved. I was very upset and asked her why she misled me and she stated she was sorry. I ended up spending {$410.00} on 2 inspections and the option fee. I feel like I was baited into taking this loan and feel like I was lied to. This is the 2nd time this has happened to me. Is there anyone holding these mortgage banks accountable? I asked XXXX XXXX for a refund which they scoffed at. I would like to file a complaint because I was misled only so they could get my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-02
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-10-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a Credit Card for business, offered by Chase Bank. When the COVID-19 hit, in XX/XX/XXXX, Chase notified me that my credit card is closed and I can't make additional purchases. They didn't give me any reasons. I didn't commit any fraud or activity that would cause my card to be shut down. I had a credit limit of over {$40000.00}. That amount was helping me manage by business and make purchases while paying off the card at the same time to avoid interest rates. 

When Chase Bank shut down my card, not only I didn't have the buying power that I needed and relayed on for my business, but also, I had to close the XXXX balance in 30 days to avoid interest charges. That was not possible, especially with all the craziness that was happening around that time. I lost 30 % of my employees, and I was having difficult times keeping up with the payments. 

I contacted Chase bank via phone, bank in XXXX, and requested grace period to close my Credit Card without being charged interest fees ( $ XXXX ). As I was trying to make monthly payments towards my credit card, I was hit by huge interest fees that were increasing my balance, instead of decreasing it. 

I made a second attempt to reach out to Chase Bank and request grace period for paying out my card- but my request was denied, regardless of the COVID-19 circumstances. 

In total, I was charged in interest and fees for this particular Credit Card {$10000.00}. 

Currently, I have finally paid off the Credit Card Balance, plus an additional {$10000.00} on top of it. I am requesting to be reimbursed for this Interest Fees, that increased by Credid Card balance, and I had to pay additional Interest on the amount that included the interest already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/2022

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 2021-03-14
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got another letter this time from key bank so 2 different banks XXXX XXXXXXXX and key somebody is opening up checking accounts in my name!!! With what no ID!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft

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 2019-05-30
Company: Collection Consultants of California
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: Information belongs to someone else

Complaint:
three medical collection are reporting under my XXXX credit file, these irrelevancies i never had, these are collection that do not belong to me i have filed a police report and the FTC report, i will be attaching these documents, please find attached. 
i have also disputed these inaccuracies through XXXX  but they have not been able to help me as always never helpful. i have medical and XXXX i never pay for any medical bills, therefore these are inaccurate and fraudulent, per HIPA  and the FSCPA you are not permitted to report these inaccuracies on someones credit file, whether belonging to them or not. have these fraud and wrongful reporting removed or you will be hearing from my lawyers. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
Bankruptcy 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MO
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:
It has been brought to my attention that the Experian, XXXX and XXXX Credit Bureaus are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this complaint to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: WA
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 switched local credit unions at the beginning of 2020. Because of this, the automatic payments I had setup were coming out of a different account. Before I could switch them, the payment I was behind on was reported to my credit bureau as a " late payment ''. The SAME week the " late payment '' was reported to the credit bureau, ALL student loans payments were deferred by the U.S. Government due to the COVID-19 pandemic. 

Because of this, I have NO late payments in my federal student loan account. On top of this, I NEVER received a physical letter, digital letter/notification in my XXXX  inbox or any notification about a late payment in my email or phone call! I have screenshots and records of never receiving a notification from them and 0 voicemails.

My biggest concern is the reported late payment when all student loans have been deferred and relieved due to the COVID-19 pandemic the SAME WEEK this was reported. 

This does not impact my credit worthiness or ability to repay my debts but XXXX records say otherwise. I would really appreciate someone looking into this and helping me fix 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 2023-10-17
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions genisys credit union. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2021-03-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX. I'm in the process of refinancing my home. Unfortunately when the title company ran my info the following lien / loan appeared and I do not recognize it. This mortgage of {$15000.00} has been outstanding since XXXX. Nobody contacted me to pay them back and it does not show up on my credit report. The title company will not remove it until they get permission from who I do not know. I tried calling the companies involved but it was sold to HSBC. I tried contacting them but they were bought out too. I tracked this loan and it has been bought and sold at least 6 times and when I contacted them they are telling me the loan does not exist with them. I tried everything and now I'm reaching out to you regarding this situation. Below is the response I received from HSBC : We are not authorized to release the lien as servicing was transferred to XXXX XXXX effective XX/XX/XXXX. XXXX was acquired by XXXX, and subsequent its assets were acquired by XXXX XXXX XXXX XXXX. Please contact its servicer XXXX XXXX servicing at XXXX XXXX XXXX, XXXX, SC XXXX, Ph. XXXX. 


Name XXXX XXXX Address XXXX XXXX XXXX XXXX NY XXXX Tele XXXX XXXX XXXX Date of Origin XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX Recorded XX/XX/XXXX Title # XXXX Liber XXXX Page XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: PLAZA HOME MORTGAGE, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received an updated escrow analysis from my mortgage company XXXX Mortgage XXXX. This escrow was including my neighbors taxes which the mortgage company had already paid for XXXX. I send them the correct tax information from the county tax collector. They then asked for a legal description of the property to which my attorney sent them the legal deed, and county tax parcel descriptions to the escalation support on XX/XX/XXXX. They then called my on XX/XX/XXXX stating that those are not correct legal descriptions. They will not allow me or my attorney to speak with the tax department directly. 

XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation