BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$2600.00}. 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently noticed an error on my credit report regarding my XXXX  loans. The report inaccurately states that a payment was late, despite my records indicating otherwise. I have the necessary documentation to support my timely payments and plan to dispute this discrepancy with the credit reporting agency to rectify the mistake promptly.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-13
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in contact with Mr. Cooper for several months now requesting an extension to my 12-month forbearance. They refuse to give me one even though I have a XXXX  XXXX  XXXX. They have also refused to provide me with any answers to any of my questions in writing ( I have all my messages to them saved ) concerning why I am not being given an extension. They refuse to offer me any kind of repayment plan ( other than pay my entire outstanding balance in one lump sum ), or deferrment. They are offer me pay up and foreclosure basically. I did get a hand delivered letter informing me that my forbearance was over and that I should call them. I have tried calling them and I usually get put on hold or hung up on. Now in defiance of this recent change in the regulation to restrict foreclosures until XX/XX/2022 XXXX today got a letter from some company in California that they have commissioned to start pre-foreclosure proceedings on my property. I'm sure they will be adding those fees to my bill along with other fees they were not supposed to charge to my account under forbearance. What can I do at this point to force them to comply with my request for a 3-month extension on forbearance? If I don't qualify for this restriction on foreclosure what can I do to compel them to provide me the reasons why in writing? And what further action can I take to save my home? What is especially infuriating is that I will be receiving an inheritance within the next 3-4 months ( possibly sooner once it is submitted for probate ) and they know that as I have submitted them the paperwork and yet they have gone ahead and taken this action to try and take my home away from me. They are also aware that I have six very old horses on this property and if it were to be foreclosed on they would not be able to be moved. But apparently this company doesn't care about those horses any more than it cares about complying with XXXX  XXXX  servicing regulations. I would appreciate any help you can give me.

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

Complaint:
I have disputed the XXXX XXXX XXXX XXXX account against TransUnion, they are falsely stating the date of the last payment, they are also not providing the date of the first delinquency. That report is not complete, they must investigate and not just repeat what the collection agency tells them. I ask that they be removed from my report until the information is clarified. If the collection agency does not send the information, I am not obligated to pay, precisely because the information is not correct.

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 2020-09-14
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that there was a new account which is erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00}

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 explanation
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: AR
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 credit Reporting act XXXX Account # 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.

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 2020-11-06
Company: AMERICAN EXPRESS COMPANY
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: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VI
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 was affected by the XXXX breach and believe I am a victim of identity fraud. I asked for proof that accounts were mines and all they sent were statements.

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 2018-08-23
Company: Experian Information Solutions 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 sent a first and second letter to Experian to dispute several unauthorized inquires on my credit report. The first letter was sent on XX/XX/2018, and the second letter on XX/XX/2018. Each response took 5-10 days ; however, they report that the inquiries were verified. I asked them to provide me a written authorization and any permissible purpose with the second letter, but they failed to follow the Fair Credit Reporting Act. I already contacted the creditors, and they were unable to provide me with any verifiable information. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a  consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX is fraudulently reporting the below information on my credit report and has not been able to provide any of the information I have requested. Thus they have erroneously and fictitiously provided false information to all 3 credit reporting agencies. If infact the information being reported was correct XXXX XXXX XXXX  would not be attempting to suppress this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX {$970.00} Financial Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXXXXXX  {$970.00} {$970.00} XX/XX/XXXX XX/XX/XXXXXXXX  Type of Account - Open ; Type of Loan - Debt Buyer Account ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Collection Account ;

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 2018-10-29
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2018, my wife " XXXX '' and I applied for a Platnium charge card from American Express. We were approved that same day, while on the phone with a representative we asked for an additional card for me " XXXX ''. 

We received the approved card in the mail on the XX/XX/XXXX. We call AMEX to inquire about the second Platnium. We discovered that the AMEX representative ordered a Gold card vice a Platnium. The AMEX representative stated, upon receipt of the Gold card we should call to cancel it. He " XXXX '' then proceeded to process a Platnium card for me " XXXX '' taking all of my information and getting approval from my wife to add me as a user. He also stated that we would have the card by the XX/XX/XXXX. 

We received a letter in the mail stating that AMEX is unable to approve the additional card. 
We call AMEX and spoke with an AMEX rep. " XXXX '', on the XX/XX/XXXX, he said the application was submitted incorrectly for my additional card. XXXX for the 3rd time took my information and assured us that the card would be expedited to us and received by the rd of   XX/XX/XXXX. 

On the XXXX thers was another letter from AMEX of disapproval for the secondary card. My wife called asking to speak with a supervisor and the representative stated that one will call back in 24hrs. My wife had to call back after the expiring 24hrs on the XX/XX/XXXX to speak with a supervisor. The representative was reluctant to put a supervisor on the line. Frustrated my wife asked to be transferred to customer relations. Without a clear reason as to why a second Platnium card could be issued to no fault of ours. We then canceled and closed the account with AMEX. 


v/r Mr. & Mrs. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans show deferred with payments to begin XX/XX/2025 yet my student loan account is paid in full see photo attached.

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 2023-10-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2017 a credit card was opened fraudulently in my name with Wells Fargo. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with Wells Fargo since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, XXXX, and XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru Wells Fargo, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. Wells Fargo said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit Wells Fargo was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!

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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the XXXX copy A, XXXX has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX directly, but the situation remains unresolved.

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I filed a dispute twice with Experian, and they came back twice within XXXX hours telling me they have verified all information with the creditor in question. 

The creditor of the auto loan never sent us a bill or contacted us in any shape or form on our " late '' payment, the final payment for our car, which we assumed we were gon na receive our title and lien for, because no bill came in nearing the end of the term. I have already filed a complaint with XXXX XXXX XXXX on their negligence and deflection of responsibility.

Experian did not go through proper procedure of verifying anything. According to 15 U.S. Code 1681, i think i should get a fair chance to state my case rather than the discriminatory response i got back from Experian. 

XXXX violated 15 U.S. Code 1666b which states that i am entitled to my billing information, including anything late, and yet i did not get a single drop of information from XXXX. not a phone call, not a piece of mail, not even an email.

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 2023-12-08
Company: Chime Financial Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I was trying to cash a mobile check deposit and the representative told me i had to send XXXX XXXX in the amount of XXXX and also XXXX XXXX for XXXX. He said i would get that money back immediately but they did not. He under false claims made me send him and her this money. Now they are telling me i can't make a dispute. But the only reason i sent the money was to get the check cashed. This was clearly a scam and they will not open a claim to refund the money. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: NCB Management Services Inc.
State: TX
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports.

Company response to consumer: Closed with explanation