BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: FL
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 was going through a hardship, I am now back on feet and trying to buy a house. In the mix of these I wanted to begin to fix my credit. While reviewing my credit reports I cam across quite a few inaccuracies being reported. According to 15 U.S.C & 1681 law there should not be any damages being reported and this is a defamation to my character. Remove all fraudulent accounts immediately. 

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account several accounts and validation was requested as these are accounts not recognized. I reviewed my credit again on XXXX/XXXXXXXX and the accounts continues to reflect on my credit report and I have not received any correspondence from the creditors to validate these accounts as correctly belonging to me, nor has my credit report been updated to reflect that these accounts are being disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the accounts are still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditors has authorization to access the accounts nor authorization to attempt to collect on these accounts and the accounts continues to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belongs to me and all information is 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 explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up on any response from you after 30 days of investigation. As I reviewed my Credit Report I noticed that there is still an item that is reported as erroneous and incorrect information. Despite the previous written request sent to XXXX, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. 

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 2023-01-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had lost my wallet which it has my credit cards, so I contacted wells fargo bank and requested a replacement card on XX/XX/2022. On XX/XX/XXXX I received an email that my card is on the way. 

The replacement card never arrived to my mailing address. Fast forward to few days later, there was unauthorized transactions of up to XXXX at various stores ( XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX ) I received a text that said respond Y to confirm the charges, i didn't respond. I reached out to the bank and filed a claim, which they came back and said all transactions are valid and investigation is closed. 

I never received the replacement card I never activated the replacement card I never authorized any transactions Its a business account, I never use that debit card at all. 

I reached out again to wellsfargo to get a proof of how those transactions were verified they couldn't tell me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I've reached out to XXXX XXXX XXXX XXXX/ XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My home is in foreclosure, no date of sale yet. On XX/XX/23 I submitted a payment of {$8500.00}, which is what I thought the amount of missed payments was at that time. The check was not cashed. On XX/XX/23 I contacted Chase to ask why the check was not cashed. I was told the check was not in the correct amount. I was told Chase would not accept a " partial payment '' and I was also told that there were now fees and costs of {$19000.00} in addition to some other fees that would all have to be paid in additon to the missed mortgage payments in order to bring mortgage out of foreclosure. I asked for verification of these these fees, and none were given. I also asked if paying the sum of the missed payments would be satisfactory to bring the loan out of foreclosure, I was told no. I told them I did not beleive that they could require me to pay almost $ XXXX in attorney fees and costs and not accept my payment of just the total missed payments. They said that I could order a reinstatement amount, but I would have to provide them with the date the payment would be made and that the reinstatment amount they provide would include all the fees and costs and would not provide an explanation or verification of them. 

On XX/XX/23, separate of my conversation with Chase, I received a standard email from Chase saying that the amount due on the loan is {$9000.00}, due on XX/XX/23. 

On XX/XX/23 I sent an email to XXXX XXXX XXXX XXXX, the company trying to collect the debt on behalf of Chase. My intitial email requested a breaddown of fees and costs and asked what the specific amount that had to be paid to bring the loan out of foreclosure was. They responded same day saying " hello team, see below '', which my email was below. I heard nothing back after that. I sent a follow up email on XX/XX/23, and on XX/XX/23, I got a response that my email was forwarded to the reinstatement team for processing, and that takes XXXX days. 

I want to know specficially the following : XXXX. What is the amount of money I must pay to bring loan out of foreclosure? 
XXXX. If that amount is more than just the missed payments themselves, what fees and costs can they legally charge. 
XXXX. Are the fees I am being charged legal, excessive, or valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: KY
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: OH
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 reported and disputed to Experian about an account XXXX XXXX XXXX account number XXXX of the inconsistency and that this account is not 100 % accurate as required by the Fair Credit Reporting Act. Dates are inconsistent, Type of the account, as well as the amount, I've downloaded proof of this in the CFPB portable and Experian has failed to look at the proof, that was submitted on XX/XX/XXXX complaint number XXXX. This account XXXX was reported as an ( Auto Loan ) which is incorrect the true account type is a ( Retail Purchase Agreement ). Through XXXX of XXXX. also the purchase date being reported is XX/XX/XXXX that is also invalid and is a violation with Fair Credit Reporting Act. The true date all documents was signed on is XX/XX/XXXX. The inconsistency and Experian failing to do a thorough investigation is a violation of my rights. Again I have downloaded proof of this matter through the CFPB portal and expect a fair investigation. NOTE : I've downloaded proof of Date the account was opened, Proof of the true Balance and amount Paid, Proof of original Contract from XXXX XXXX XXXX vin ending in XXXX stating type of Sale ( Retail Purchase Agreement ). and a copy of Experian email that was sent me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
i received a check XXXX XXXX XXXX XXXX on XX/XX/XXXX for ( XXXX dollars ) which i worked for since XXXX to XXXX until the pandemic happened and it closed, i was in the local XXXX union also. The hotel got bought out by an XXXX XXXX and they paid all the workers severance money for working there. I went to the XXXX and picked up my check and cashed it at Chase Bank, they cashed my check into my account and then they froze my account. I called and they said the check could be fraud, i told them IT WAS NOT, they wanted the contact number to clear the check. They kept telling me they COULD NOT CALL the number i gave them because it was not registered to XXXX XXXX XXXX XXXX XXXX. I called the issuer of the check and their attorneys and told me they will help me if chase will call and connect the call. XXXX did not help so i went to the XXXX branch and was helped by XXXX XXXX and she spoke to the fraud department and the department said, if the issuer sends a notarized letter with the company letter head explaining that they issued me the check? i was cleared but the issuer sent the email to the chase branch and they told us that the letter would not work. XXXX XXXX talked to her supervisor and they made a complaint for me. Since XXXX i have been talking to numerous people in chase and they keep denying to call and clear the check. The issuer told me they tried all they can and since XXXX cashed the check into my account? then there is nothing they can do but get an Attorney to help me with this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Lendmark Financial Services
State: GA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CL Holdings LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: MA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently ( XX/XX/XXXX ) I had received via mail a document that outlined that my escrow payments have increased this year. Upon closer inspection it was noticed that my PMI contribution has been increased from {$510.00} to {$1000.00}. There had been no late payments this past year and we are uncertain why the sudden increase. Seeing how Mortgage insurance isnt something I can get a lower rate for, I feel as though this is an unlawful change that has me considering going with a new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX of XXXX, I opened a business checking account with Chase to place liquid funds for my business. I was informed that the minimum balance required to avoid a $ 12 monthly maintenance fee is {$1500.00}, to which I complied. 

On XX/XX/XXXX, I was informed by a Chase Relationship Banker over the phone that my account had been incurring monthly maintenance fees. This was a shock to me, because I was sure that I had maintained the minimum amount, which I had. However, as of XXXX of XXXX, {$15.00} maintenance fees were being charged. 

On XX/XX/XXXX, I was credited with 7 of the 23 fees that were debited from the business checking account over the last two years. I was told that the minimum balance had always been {$2000.00} and in order to receive further credits, I would have to provide documentation of the {$1500.00} minimum balance requirements at the time that I opened the account. 

On XX/XX/XXXX, I reached out to a Chase Relationship Banker via email and provided him with a scanned copy of the documents proving that my business checking account was established with the {$1500.00} minimum balance requirement. I have not heard from him since. I have tried to call him directly, and have received no answer. Any time that I have called the Chase customer service line for assistance, they keep pointing me back in the direction of the Banker.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions 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:
These are the Specific inquiries that are falsely being reported on my credit that I requested to be removed : 1. XXXX - Date : XXXX 2. XXXX XXXX - Date : XXXX 3. XXXX  - Date : XXXX 4. XXXX  XXXX/XXXX - Date : XXXX 5. XXXX - Date : XXXX 6. XXXX/XXXX/XXXX - Date : XXXX 7. XXXX  XXXX XXXX - Date : XXXX 8. XXXX XXXX XXXX - Date : XXXX 9. XXXX  - Date : XXXX 10. XXXX XXXX - Date : XXXX 11. XXXX XXXX XXXX XXXX - Date : XXXX 12. XXXX XXXX  - Date : XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX  XXXX - Date : XXXX These are all false inquiries that I requested by mail and follow up complaint to be removed today. I wrote these detailed notes to Experian, XXXX XXXX. And XXXX last month. Im being targeted.

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 2020-01-16
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: Their investigation did not fix an error on your report

Complaint:
As previously stated, I am a victim of identity theft. I am NOT a credit repair company or credit repair person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: TX
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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
You remember I filed a complaint here regarding of my PayPal being closed on XXXX XXXX with no reason and its being stated to there email to me that my funds will be hold for 180 days and now its been 180 days. It's already XX/XX/2022 and still I can't receive any respond from them regarding my money being frozen for 180 days. How was it now? where's my money? Was it being stolen or gone? Pls help me enlighten my mind regarding this. Thanks

Company response to consumer: Closed with explanation