BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: NY
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 credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any r
eason.

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 2023-02-26
Company: WELLS FARGO & COMPANY
State: CO
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 is not properly reporting my balance for my Wells Fargo credit card account also they are not reporting the correct credit score to Wells Fargo my credit score is XXXX and they are reporting XXXX. And my balance on my credit card is XXXX Also I have been trying to get a credit limit increase from Wells Fargo on my credit card and because XXXX isnt reporting the correct credit score to them I keep getting denied. I want my correct credit score sent to Wells Fargo and I want Wells Fargo to increase my credit limit as much as possible hopefully to XXXX or XXXX please

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 2022-12-08
Company: Experian Information Solutions Inc.
State: SC
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-06-18
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 we applied for a refinance on our primary residence with Wyndham Capital Mortgage. Due to the low rates, on XX/XX/2021 we added a refinance of our rental property in Florida. By early XXXX, we completed every bit of documentation was requested by Wyndham. We were told that an appraisal was not needed on our primary residence, but an appraisal was ordered for our rental property and completed on XX/XX/2021. On XX/XX/XXXX, when we hadn't heard back, we inquired with our representative from Wyndham, who has been very helpful and efficient, why were we waiting to close the loans. We were finally told that they were waiting for a rental schedule from the appraiser. I called the appraiser directly and asked why it was taking so long. He told me that Wyndham didn't order the rental schedule and now he could not do it. He said " They should have ordered the schedule when they ordered the appraisal ''. Today, XX/XX/XXXX, I have been told that they can not do our refinance at all because they can not find an appraiser to do the rental schedule. We have been working with Wyndham for 4 months, they should have known this months ago. We have lost our window of opportunity for the low rates that were available in XXXX. I have the documentation on dates, emails, phone calls etc. Also, dates of when documents were provided are on the Wyndham Capital Mortgage portal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-05-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
THIS IS NOT A CONSUMER DISPUTE REQUEST! I AM NOT REQUESTING THAT EXPERIAN DISPUTE ANY ACCOUNTS IN THIS COMPLAINT. THIS IS A COMPLAINT OF EXPERIAN NON-COMPLIANCE of FCRA 611 ( a ) ( 6 ) ( B ( iii ). 

On XX/XX/2022, I sent an correspondence to Experian requesting the Method of Investigation for the prior disputed accounts that was submitted on XX/XX/2022. I have reason to believe that a thorough investigation was not completed therefore I requested the Method of Verification from Experian. 

As stated in the FCRA 611 ( a ) ( 6 ) ( B ( iii ) provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Experian failure to comply with FCRA in regard to providing me with the method of Verification is a clear violation of my federal rights as a result of their non-compliance. Experian ignored my request and sent me a general response non-related to the Method of Verification that was requested.

FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I have not received the Method of Verification from Experian. I am attaching the original Method of Verification Request that was sent to Experian. I am also attaching the certified mail receipt and signature receipt showing that Experian did receive the correspondence.

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 2021-06-16
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:
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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-04-30
Company: Northland Group Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Northland Group has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 2022-05-01
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello on CHIME BANK stole my social security administration They closed my account with my recollection at all illegally And still can not access miey for months ..I need a layer and refunf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It was Sunday, XX/XX/2021. I had read through some card offers, through my XXXX  online account, after checking my credit score. ( which was XXXX XXXX. I seen DISCOVER was offering a pretty decent one for 11.99 to 22.99 % variable APR w/ no annual fee plus 5 % cash back on certain purchases per a rotational basis, 2 % on gas and dining out and 1 % on everything else. So I unthawed both my XXXX  and XXXX  accounts temporarily, XXXX  because the offer was seen originally through their site and XXXX  because that's where it was stated in their terms they ran the credit check, and applied online. About 60 seconds after applying I was approved for a {$500.00} credit limit with the payments being due the XXXX of every month. I was informed that i should receive my new card in 5-7 days. Two days later I get a suspicious email from " verification services '' ran through XXXX  XXXX who I didn't unthaw nor gave any type of permission to share any of my info with anyone ) requesting two years of tax returns by e-signing a 4506-C document. It further stated in the email that DISCOVER was the one requesting the information AFTER I had already been approved. So i called DISCOVER customer service and spoke to a lady there and she said there was absolutely no record of verification services at DISCOVER requesting that info, and that i should not click any links within that email. she said my account was approved and everything was fine. There wasn't anything else there. So a bit relieved I just went on about my business. That is until I received a second email from that " VERIFICATION SERVICES '' requesting the same information again. This time I called the number on it. It was DISCOVER and it was them requesting 2 years of my tax returns. I asked the woman on the phone why they needed two years of tax returns for a simple XXXX credit limit and why this info wasn't requested during the application process and before the approval process if actually a requirement. She DID NOT answer either of those two questions. She just kept apologizing, but at the same time told me that they request the information with and from existing customers. I was a new customer that NEVER had a card with them before. Still finding her inability to answer my two previous questions and being dodgy made me very suspicious. So I told her to just close out the account i had just been approved for and that i would be filing a complaint with the CFPB. And here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information the Crediet Reporting Agencies have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required by Federal law to remove any and all accounts and information that resulted due to fraudulent activity. Please help me have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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. These items were unknown to me and should not be reported on my Credit File. If the Credit Reporting Agencies believe that the disputed items belong to me and have the rights, legally, to be reportin on my Credit File, I demand that the Credit Bureaus send me copies of documents they found along the way to prove such claims. In the absence of these documents, I expect nothing but immediate deletion of the distputed items.

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 2022-05-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some type of mistake as i assume it has to be i have not been able to get help from them from emailing, calling their support. I remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

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

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE

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 2023-07-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
At the time i was a delivery driver for XXXX working with XXXX XXXX now I had purchased a used XXXX XXXX XXXX financed through Ally financial, i live in California I also had a set schedule i drove for about XXXX hours a day including getting to and from work! I had told them about my job location and schedule and told them specifically that they can not call me on those days as it is illegal to talk on the phone and drive in the state of California however they only called on those days now i had told them all of this information for about 2-3 months and was getting extremely frustrated I told them to stop or i am calling the cops, they did not now at that point i was mentally and physically drained from this issue and work I told them if you call and harass me again I am going to stop paying however i am willing to renegotiate if you send a representative in person no phone no text no email no mail! In person as I consider their actions as trying to get me to commit a crime! I have also tried to call them and talk about it with them to find a solution but they put me on hold for about 30 minutes and i give up!

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 follow-up 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, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}

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 2021-06-18
Company: MIDFIRST BANK
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is on forebearance. As I am nearing the end of the forebearance period my servicer is asking for a lump sum payment. The servicer in a letter to me offered several options. None of the options included the FHA COVID-19 National Emergency Standalone Partial Claim. 

I want to know why I wasn't offered this option despite rules from the pertinent government agencies stating that the missed payments could be deffered to the end of the 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 explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 told XXXX, TransUnion, and XXXX to reinvestigate this account. However they stated everything was complete and accurate. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Also this account is not even in compliance with metro 2 credit reporting. I have the evidence to prove my case.

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 2023-12-13
Company: Upstart Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The account the was closed on XX/XX/2022. The amount was {$1900.00}. The debt was charged off and sold to a third-party debt collector. I am still getting repetitive calls every couple of hours. The debt has been cancelled. According to the law, I am no longer liable to pay the loan back once it has been sold to a third party with whom I have no contract. My information was also sold to that debt collection agency without my expressed and or written consent. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer may have given, written, unwritten, verbal, and nonverbal, per 15 USC 6802.

Company response to consumer: Closed with explanation