BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}. I believe it was reported in error.

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 2022-10-27
Company: EQUIFAX, INC.
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:
I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. Equifax, XXXX and XXXX is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give Equifax and XXXX and XXXX a written perission to furnish these account. 

please remover this from my accounts please # XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XX/XX/XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with XX/XX/XXXX. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per XXXX XXXX request I have opened disputes with the credit reporting agency and last night I received an e-mail from Experian stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND XXXX loan of XXXX that was supposed to close 3 weeks ago.

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 2023-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was an unauthorized {$1000.00} charge on my account XX/XX/23, and I filed a claim with Wells Fargo. They told me it would take up to 10 business days to help me look into it or would credit my account back {$1000.00}. Wells Fargo did not even bother to contact me back within those 10 business days, and I had to follow up regarding this transaction only to tell me they could not do ANYTHING about it or offer me a solution and credit me my amount back like they said they would. Now I have to file a claim with CFPB to get help because my Bank would not even bother finding a solution to my problem. I've been with them for over 10 years, and this is how they treat their loyal customers.

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 monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, Once Again Im contacting your office regarding the accounts, I recently sent letter to you all to investigate. I am a victim of Identity theft dating back from 2021. 

Regarding the fraud account reporting on my credit report, I requested that you all provide me all documentation regarding the account and validate the information. You all have not abided by the FCRA laws, and this is because a big issue. 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please see the account below XXXXXXXX XXXX XXXXXXXX Account XXXX The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Thank You, 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 2023-04-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On several different Occasions between XXXX my account was frozen and several payments did not go thru because of this, Meaning my bills became late even when funds were available. The amounts range from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I requested to close this account but keep getting calls, asking me to make monthly payment. I told them to send me final bill of total amount. 
3 weeks already, and they haven't mail me anything and keep disturb me by many phone calls although i requested stop calling. 
During calls with the Chase agent, they also warned me the interest and fee will keep accumulating as long as i full-fill their monthly payment, does not matter the account closed XXXX when i close my account, other financial institute ask to pay off all in once, not monthly ( should fishing to me ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
mohela XXXX - is current problem attached i have all docs. 
spoke with your office about doe - XXXX XXXX not completing my request i have paid in full with XXXX given docs to prove payments they are pulling up old/incorrect info and NOT letting me out of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
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:
To whom it may concern, I have 8 credit inquiries that are on my Equifax credit report. I am not familiar at all with these inquiries and have attempted to have them removed. I know for a fact these are fraud attempts. The companies claimed they do not have my information, therefore they need to be removed from my credit report. The inquiries below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be removed from my report ASAP. i understand my rights as a consumer and Im very familiar with the FCRA and my consumer laws. Below I have attached one email from one of the creditors, specifically XXXX. They claim to not have my information. The others have yet to respond and it has been months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with the Consumer Financial Protection Bureau ( XX/XX/2021 ), complaint # XXXX against Bank of America XXXX 

I had been communicating with Bank of America 's Escalation Department for the months of XXXX 2021 ( in regards to the Deed of my property being incorrect ). 

After I filed my complaint with the Consumer Financial Protection Bureau, my ability ( XX/XX/2021 ) to pay my mortgage ( online ) was blocked by Bank of America. 

I recieved an email, after speaking with several representatives from Bank of America, telling me that my account ( to pay my mortgage online ) was blocked because I am currently in an adversarial proceeding with Bank of America, such as active litigation, mediation, or arbitration & that all further communication will be from Bank of Americas counsel.

This seems unethical and illegal to block my ability to pay my mortgage as a result of my filing a complaint against Bank of America.

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 2021-05-06
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 have provided you all document of the illegality Of this account. 
Federal Trade Commission Report, XXXX XXXX XXXX XXXX XXXX IRS Identity theft report, XXXX XXXX XXXX XXXX Report, XXXX Police Report and EXPERIAN REFUSE TO REMOVED THIS FRAUDELENT AND Illegal ACCOUNT FROM MY REPORT I have provided all document to XXXX XXXX XXXX # XXXX Of the Illegality of this account and they refused to removed from my record in 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 2023-05-23
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo pulled a hard pull on my credit and claimed that they lacked correct info. XXXX notified me within minutes of the pull so it was clearly done on my account. I called to find out what was going and was told Wells wants to do another pull on my credit to fix their system error. No one would help and wasted my time last two weeks dealing with their corporate office. They told me they could remove it from my record- they now say they can not do anything. They are XXXX. Dealt with a competitor and had no issues. Wells needs to be held accountable for their inappropriate business 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 2022-11-28
Company: EQUIFAX, 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:
Hello, Once Again Im contacting your office regarding the accounts, I recently sent letter to you all to investigate. I am a victim of Identity theft dating back from 2021. 

Regarding the fraud account reporting on my credit report, I requested that you all provide me all documentation regarding the account and validate the information. You all have not abided by the FCRA laws, and this is because a big issue. 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please see the account below XXXXXXXX XXXX XXXXXXXX Account XXXX The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Account status incorrect

Complaint:
I just spoke to the Executive Team at XXXX XXXX XXXXXXXX and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to XXXX XXXX XXXXXXXX what I have paid and this person still tries to spin it in different ways and XXXX XXXX XXXX now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed 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 2023-03-10
Company: Experian Information Solutions 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 sent a dispute by mail asking what form of verification was used to verify the said Debt that doesnt match my records. they claimed that the furnisher has verified it and they dont need to show me proof ... iv reached out to the funisher and they havent responded to my mail or phone calls, yet XXXX still claim its verified ... its been 6 months iv tried working on this and im being told the same thing ... iv requested informtation regarding the verification on the debt with 2 certified letters now and havent recieved anything but a credit report copy, that i can get get online for free...

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 2023-02-22
Company: Experian Information Solutions Inc.
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to complain to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-09-23
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, 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:
I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: LA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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