BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NV
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:
Experian, XXXX, & XXXX is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

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 2021-03-17
Company: WELLS FARGO & COMPANY
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 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 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 2023-01-09
Company: Experian Information Solutions Inc.
State: NC
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:
on XX/XX/2022 The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX was properly Investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. Also they violated my rights under the care act posting late payments when they gave me consideration by waiving my late fees during the pandemic. 

I haven't given this accout written permission to furnish this account on my credit report as well.

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 2020-06-04
Company: EQUIFAX, INC.
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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX & XX/XX/XXXX ) 4. ( XXXX XXXX & XX/XX/XXXX ) 5. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 6. ( XXXX & XX/XX/XXXX ) 7. ( XXXX & XXXX XXXX ) 8. ( XXXX & XXXX XXXX ) 9. ( XXXX XXXX & XXXX XXXX ) 10. ( XXXX XXXX XXXX & XXXX XXXX ) 11. ( XXXX XXXX XXXX XXXX & XXXX XXXX ) 12. ( XXXX - XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/ Capital One apparently sent me an email letting me know that my information was involved in a data breach. However, I did not learn of this until today, XXXX XXXX XXXX  after calling Capital One myself at XXXX ( XXXX ) XXXX, when they told me I was apart of the settlement. I never received said email or it went straight to spam and auto-deleted itself. I wish to hold capital one accountable in the way they inform their customers and also get my earned money back from the settlement that I didnt know to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. XXXX, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a XXXX period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).

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 2021-03-17
Company: EQUIFAX, INC.
State: FL
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
First bank of PR is requesting a additional payment due to back fee ( interest ) that are not correct after the last payment when I requested the title. 

I have all payment made even the ones that were made with late fee.

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 2020-05-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint and received a conclusion on XX/XX/XXXX. Of course, Chase did the investigation on elder discrimination and continue to ignore processed payments to them to state three months behind. Chase concludes the payment missed in XX/XX/XXXX. But I am still noted according to Chase three months behind this year XXXX. Chase did recognize my XX/XX/XXXX payment of {$640.00}, XX/XX/XXXX payment of {$640.00}, and XX/XX/XXXX payment of {$640.00} but ignores the payments on XX/XX/XXXX, payment & XXXX and XX/XX/XXXX. I want to understand why Chase continues to omit my XXXX and XXXX payments. I alleged Chase continue to ignore the payments to justify three months behind to foreclose on the home. The one-month payment behind was XXXX of XXXX and payments were given twice in XXXX. I am XXXX years old and one of the chase representatives did allege my house would be taken. I alleged Chase trying to go back few years to confused and create a lie. I do agree with going into XXXX one payment behind. I do not agree with missing three payments in XXXX. I alleged Chase is ignoring my XXXX and XXXX payments to put me three months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: CA
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 need to re-document and refile this grumbling to MACYS/CBNA.I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 

My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A.

States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal 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 2021-08-11
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
New mortgage investor JP Morgan Chase refuse to acknowledge new contract payments agreed in bankruptcy in XXXX confirmation. Practicing inaccurate credit reporting of old discharge for balance of old loan in XXXX. Have collected and apply cash payments for the last eight ( 8 ) years against RESPA ; Fair Credit ; Predatory Lending and Bankruptcy Laws. Unfair, abusive and deceptive practice concerning property rights by attempting to accelerated foreclosure without legal notification and based on inaccurate balances and deceptive collection of the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX bill pay from Bank Wells Fargo to XXXX XXXX for {$9800.00} sent by a XXXX XXXX to XXXX XXXX account XXXX this showed up as a payee in my account which I did not setup. On trying to resolve with Wells Fargo fraud on the phone. I was told sorry you did it or you gave your info to someone who did it. Basically too bad. I got a hold of a supervisor who called XXXX. fraud to find out that account number has been closed due to bad activity. XXXX I was told W.F. has closed the investigation and will not return my funds. They have told me they sent me letters which I have never received. 
dealing with them has been a frustrating task people can not help and are always passing on to another dept. to start all over again. 
I believe the bank got hacked and my funds stolen, which they will not admit to.

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 2019-11-17
Company: Experian Information Solutions Inc.
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2023-10-12
Company: Early Warning Services, LLC
State: GA
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 have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I received a text message from Wells Fargo in regards to my credit card being breached. We resolved this issue by getting me a new credit card, which I received on the XXXX. Then on XX/XX/2023 I received a phone call from ( XXXX ), who appeared to be again Wells Fargo. This communication felt warranted due to the recent handlings with my card breach. This fraudulent caller, whom was under the contacts name and number of Wells Fargo, asked me about some recent activity to my business checking and savings accounts. This call lasted an hour and fifteen minutes long ; then I was told all was being handled and I would be contacted shortly by Wells Fargo when it was settled. Three days later, on Friday XX/XX/XXXX, I checked my accounts. I saw that XXXX dollars was missing from my checking account as well as XXXX dollars missing from my savings account, plus transaction fees. At this time, I tried to call Wells Fargo Fraud Department but it was XXXX pm and they were closed for the weekend. After what seemed like an eternity of a weekend, on the morning of Monday XX/XX/XXXX I went to the local Wells Fargo branch where I was moved along to multiple different agents before being able to put in two claims. I went on vacation and Wells Fargo never contacted me. On approximately XX/XX/XXXX I received two letters in the mail stating that the missing funds were gone and non-returnable ; the claims were then considered closed. The next day XX/XX/XXXX I went to my local Wells Fargo again where at this time the claims were escalated by the branch manager while I was there and I was told someone would contact me in 24 hours. After 24 hrs. I called them and I was told it was my fault for being scammed and there was no more they could do. 
Please note : the Number that called me XXXX XXXX when called does not go to a real Wells Fargo department. It goes to Someone pretending to be with them. 
Also, the real Wells Fargo sent me a text message that I never responded to but they let the wire go through anyway without my approval or disapproval.

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 2018-04-17
Company: CITIBANK, N.A.
State: CA
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 have been a member of Sears Card/Citigroup in good standing since XX/XX/XXXX. When my card expired in XX/XX/XXXX, and I didn't receive my replacement card, I called ( XXXX ) XXXX and was told my account had been reviewed and closed due to non-response of a letter Sears Card had mailed. I have lived at my address since XX/XX/XXXX. I may have been a victim of mail theft, but regardless, Sears Card never emailed or phone me about such a letter. They have this information as it appears online on my account. They simply terminated my 17-year history. I followed all of their rules, paid on time and this is my reward. I believe this is unfair and an unjustified reason to close my account and negatively affect my credit score. I would appreciate your investigation to restore my account and credit history with this company.

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 2023-10-12
Company: PLANET HOME LENDING, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I was on planet home lendings deferment program. I signed paperwork for a deferment period XX/XX/2023 through XX/XX/2023 with XXXX payment due XX/XX/2023. 
I called in to make the payment early ( in XXXX ) When I called I told the lady on the phone this is my first payment that is due on XX/XX/XXXX. She took the payment and nothing was said. 

I later found out that they applied it to a XXXX payment that was supposedly due. I was NEVER told of a XXXX payment due, the woman on the phone did not say anything about it. If i actually had a XXXX payment due why was the deferment period not XXXX through XXXX? Also, If I would have just waited and made the payment on XX/XX/XXXX nothing ever would have been said about a XXXX payment. 

My money was miss applied and I need it re applied to XXXX. 

I have gotten no where with the company. They will not take any responsibility for miss applying my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ACS Education Services
State: NC
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:
I am currently not receiving credit ( payment counts for the Public Service Loan Forgiveness Program ) for loan payments made from XXXX XXXX XXXX  to ACS who served as my loan servicer at that time. I did not request a deferment or forbearance and made monthly payments at this time. The number I was provided to contact this entity ( XXXX ) does not appear to be in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: M.L. Zager P.C.
State: NY
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:
ML Zager performed a hard inquiry on my credit report today XX/XX/2023 without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

I told Transunion to reinvestigate this account : Account name : U.S Bankruptcy Court. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX XXXX XXXX. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief