BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We purchased our home in XXXX and used a local lender. About 2-3 months after closing, our home loan was sold to Wells Fargo without any notice and Wells Fargo did not provide us with adequate documentation on this transfer. As first time home buyers, we were ignorant to this whole process and we were never really fully informed on all aspects of our loan, escrow, etc. There were years were our escrow was always short by over {$1000.00} and then one year we were sent a huge refund on our escrow. We refinanced with another company in XXXX and since then, Wells Fargo has deactivated our log-in account so I cant access old information. I have tried to call them and keep getting disconnected. I tried to call regarding the Wells Fargo lawsuit to see if we qualified and keep getting disconnected. I would like to know if Wells Fargo took advantage of us as first time home buyers that did not know what to look for when it comes to shady mortgage practices. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a credit card on XX/XX/23 because there was an offer for 0 % interest for 1 year including balance transfers. After this not being available on my account, i was told to wait and keep checking. on XX/XX/23, i spoke to a supervisor from Capital One who told me that there was no balance transfer offer and even though it may have shown that it was part of the offer- Capital One has the discretion to decide who gets balance transfer. This was the only reason i signed up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX changed of XXXX different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to XXXX different debt collectors but XXXX XXXX XXXX and XXXX XXXX XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.

Company response to consumer: In progress
Consumer complaint received 2023-03-22
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 continue to receive vague reinvestigation statements from Experian. Investigator noted that everything was 100 % accurate and complete. I would like to receive the description in accordance with 15 USC 1681i ( 7 ). This account is not accurate : XXXX XXXX XXXX XXXX XXXX The investigator did not delete or remove the inaccurate information from my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( i ). In XX/XX/XXXX, the EXPERIAN Dispute Department Supervisor " XXXX '' informed me that it was not within the Bureau policy to send me a copy of my credit file or method of verification, according to 15 USC 1681 Section 611A and Section 623B of the FRCA states otherwise, however he did manage to send me yet another copy of my credit report instead. I also contacted XXXX in XX/XX/XXXX with a dispute, in XXXX XXXX sent a letter CASE No XXXX file dispute date : XX/XX/XXXX stating " in accordance with the FRCA 15 USC 1681 et seq, the disputed file has been removed ''. On XX/XX/XXXX, I disputed the inaccurate credit file from XXXX XXXX XXXX  with XXXX ; the Representative from the Dispute Department initiated two case numbers. XXXX XXXX XXXX through XXXX Credit Bureau and CASE No. XXXX FTC complaint.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2023-03-21
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In or around XXXX, I was sued for a debt originating with XXXX XXXX for approximately {$8300.00}. I did not know that I could dispute the debt and started making payments. XX/XX/XXXX I stopped payments to try to resolve with original creditor. No further communication from debt collector, Gamache & Myers. On XX/XX/XXXX, my employer received a garnishment for this debt. 

XXXX ) I have zero record of XXXX XXXX trying to collect on this debt before it was sold to a collector. 

XXXX ) Debt is for defunct XXXX XXXX XXXX XXXX XXXX for profit college that closed in XXXX. I have no way of knowing what this debt is for even though all other monies for tuition have been paid. 

XXXX ) I have asked for debt verification and information regarding what the debt is, etc. from Gamache & Myers via phone and email without response. 

XXXX ) In XXXX, there was a class action settlement against XXXX XXXX XXXX parent company and I believe this debt was sold specifically for the purpose of avoiding settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: DE
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:
Experian stated in their XX/XX/XXXX  letter of Response to my CFPB COMPLAINT # XXXX AGAINST XXXX XXXX XXXX that after their investigation, as of the above Date, it was no longer on my Credit Report. 
It is currently still showing on 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 2023-03-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a follow-on complaint to the complaint I filed last month that was closed ( XXXX ). 

Experian manually placed the freeze on my account as I requested, but I still can not access their online system with my name and SSN - or through their phone/bot system. ( Should I want to remove the freeze temporarily to access my credit report or request credit for legitimate purposes, I have no way of doing so ). The error messages I received in XXXX are the same error messages I received today. ( See attachments ) I received a notification today from a bank saying they could not move forward with my request for a credit card -- -this was fraudulent activity -- - I have not applied for a credit card. While I appreciate that the freeze worked to prevent the fraud, I need Experian to make their online system accessible to 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 2023-03-21
Company: EQUIFAX, INC.
State: IL
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. 

Account name : XXXX XXXX XXXX XXXX Account number : 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 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 explanation
Consumer complaint received 2023-03-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX, is trying to attempt a fraudulent debt, which XXXX XXXX XXXX XXXX, is well aware I do not owe. XXXX is claiming I owe them {$580.00}, when in fact, XXXX owes me {$980.00} for unreturned rent monies, and unreturned security deposit monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Account status incorrect

Complaint:
Three credit reporting agencies- XXXX, XXXX and XXXX are incorrectly showing my XXXX XXXX student loans as open. I applied for public service loan forgiveness and on XX/XX/XXXX, all of my loans were transferred from XXXX to XXXX which should have resulted in a closed account with {$0.00} balance for my XXXX account . That did not happen. For about 5 months, my loans were " double reported '' - incorrectly showing the same loan balance twice. For example, if the total student loan balance were {$100000.00}. My credit report incorrectly showed a total of $ XXXX {$100000.00} for XXXX and {$100000.00} for XXXX. 

In XX/XX/XXXX, my student loans were forgiven under the public service loan forgiveness program. My credit report was partially updated and no longer shows a balance for XXXX. However the incorrect XXXX information which should have been updated to {$0.00} in XX/XX/XXXX is still showing. I filed disputes with the credit reporting agencies and they are not removing the incorrect information. Prior to the dispute, the last update from XXXX is XX/XX/XXXX. I do not know what steps I can take.

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 2023-03-21
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:
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 has been used fraudulently without my knowledge nor consent. This has resulted in a un-authorized bankruptcy being reported on my credit reports, along with an account, several addresses that I'm not connected to, and some un-authorized inquiries. I am requesting that these items are deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$7000.00}

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 2023-03-22
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a XXXX  XXXX XXXX from XXXX on XX/XX/XXXX. The pick up was delayed because the car failed inspection due to the rotors. Once I picked it up, the car was not cleaned. Since having it, I've visited the shop 5 times since. The list of issues include : turbocharger, valve cover, spark plugs, coil packs, air filter, fuel system service, water pump, water outlet, and oil pan. Currently the car has lost all engine power, smokes heavily, and is un-drivable. The warranty company, XXXX, the repair shops, Bridgecrest, and XXXX are giving me the run around and refuse to fix the vehicle. XXXX then told me I would have to pay them $ XXXX to sell the vehicle back to them. They claimed they thoroughly inspected the vehicle however the items that are wrong with the vehicle are notated on the inspection report as passed. This information is obviously false. Since having purchasing it, the situation has caused me to miss work and the vehicle left me stranded on the side of the interstate. I would like to see justice in my situation as well as the countless other horror stories I've read about since experiencing my own. I want to give the car back and get out of the loan contract because they sold me a lemon. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: MI
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 am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per 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 2023-03-22
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023 I applied for a checking account online with U.S. Bank. I received an email that it was currently under review. The following day I called and spoke to an agent on the phone to follow up and I was told that I would have to send required documents to verify my identity. On XX/XX/2023, I submitted scanned copies of my documents to XXXX. On XX/XX/2023 @ XXXX XXXX Eastern Time, I received an email from them stating that my checking account was APPROVED and should wait for a follow up email within 2-3 business days. Days go by and no email received. 

I followed up and called them on Monday, XX/XX/2023 regarding my approved checking account. The agent from the deposit review department told me that my checking account was turned down. I told her that it was approved. I just received an email on XX/XX/2023. She then transferred the call to her supervisor. 

The supervisor then told me that the checking account was approved by their first system and then was declined by the second system due to a system error. I told her if they can do anything about it since it is a system error and can be override by a human being. She replied " NO, THIS CAN NOT BE DONE ''. I also told her to review my application manually by a person in their back office and she said again that this can't be done. It's not about your personal info, it's about the system error, she added. 

This is the most ridiculous thing I have ever experienced in my life. They declined my checking account application due to a system error? and no one can override or at least give a review to reconsider? THIS IS UNFAIR BANK PRACTICE TO CUSTOMERS!!!!! 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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