BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
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 trying to improve my credit score so I can move my XXXX of XXXX into a three bedroom apartment instead of living in only one room period. I called Wells Fargo on XXXX to delete, remove or erase the negative remarks or comments from my charged off account that is reporting negative to the Four credit bureaus. They said they would be happy to help me resolve this issue by payment plan, settlement, or payment in full of {$1300.00} before thirty days. I asked for the best possible out come and they indicated payment in full would lead to a positive reflection on my score, I liquidated all assets to deposit the balance in full with in 3 days at a local branch. I waited 45 days and pulled my credit reports, still reporting the same negative comments. I called in several times to see what happened, they indicated they would send a courtesy deletion letter to help me resolve this matter ASAP. One year latter, No change, called again on XXXX and spoke with a representative she indicated three internal courtesy deletion letter where requested on behalf but never sent out? She said she worked their for 21 years and the requests never get sent out. I was very upset and angered that my family has to keep enduring this living situation due to Lie in order to collect a charged off on their taxes & still got my $ $ 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 2020-11-08
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I first wrote to Experian regarding items on my credit ( see attached certified receipts attached and proof of writing ). On XX/XX/2020, 3 different dispute results were mailed but nothing was completed as Experian stated. The only thing the results showed was 1 pending result, but no completion or proof to verify the accounts are mine as requested. On XX/XX/2020, Experian sent another dispute result but again, nothing was completed. All it showed was a pending transaction with no completion or proof to verify the accounts are mine as requested. On XX/XX/2020, Experian sent dispute results stating the dispute was completed but it wasn't, all it stated was 1 account being updated. 

On XX/XX/2020, Experian sent a letter stating the dispute was completed, which again it wasn't, the only thing it stated was 1 account remaining and 4 other accounts pending, so again, no dispute completed or information proving the accounts are mine. On XX/XX/2020, Experian sent 2 more dispute results stating the dispute was completed but again, it wasn't complete. The only thing it stated was accounts being updated and 1 account deleted after I asked Experian to verify the accounts were mine, in which they failed to do. 

On XX/XX/2020 ( dated XX/XX/2020 ), I mailed a method of verification letter asking to again ( because it was after 30 days ), to show me verifiable proof with my signature on it in which they failed to do and to send me a descriptive procedure of the method used to verify accounts and to delete the accounts if they couldn't verify it was mine in which they failed to do so ( see proof of letter and Express mail receipt with signature showing letter was received ). Still, Experian failed to provide adequate proof verifying the accounts belong to me other than sending a updated credit report. Experian has also failed to respond in 30 days with a completed and thorough investigation upon request. On XX/XX/2020, I wrote Experian demanding to see verifiable proof with the original contract because I have not yet seen proof of any of the requested information I initially asked for XX/XX/2020 which is very unprofessional ( see attached ). 

Experian sent a final letter stating they will no longer reinvestigate my information, but Experian has not only failed to respond TO ALL the disputed items within 30 days, but also failed to respond verifying the accounts belong to me as requested.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-04-19
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to find out why my mortage company won't apply my monthly payment to the month I call in, I have asked them every month I make a payment why is there a overdue amount that is not the amount of my monthly payment, they say they record every conversation, I tell them every month to have somebody find out how they come up with this overdue amount, their paper says late fees will be applied after tge XXXX of every month, they hit me with late fees, because they won't figure out where the problem started, or have a supervisor in finance department call me, they have given me 8 back to back delinquent payments, they gave me a confirmation for a payment in XXXX, but they never applied the payment, then they hit me with a delinquent mark and a late fee, and say they don't know why it has happened, but it is my fault to straighten it out, I have 2 other mortages and no problems, I have been with this company for 3 plus years and have had nothing but problems, when I ask for a supervisor, someone gets on the phone, and says they will investigate, and call me back, but nobody ever does, if anybody listened to the socalled recordings, you would hear me ask over and over, why can't somebody get off their lazy XXXX and find out whats going on and when did things get screwed up, amd I will admit, I have lost with them more than once, but I start out civil, but the company is so fly by night, and they don't do anything to help rectify the situation, this is my third problem with them, both other times it was their fault, but this one and the one in XXXX have ruined my credit score, I sent copies of bills and late letters to you all from them in XXXX, but never heard back from you all, so I just said oh well, but when I went to refinance, the guy at XXXX said my credit score needed to be at least XXXX, and said because of Loancare Co., my credit score is XXXX, another person said, because your loan pays them so much, and not much towards principal, they might be doing this to keep you stuck so you can't refinance, please help me, can someone please email me back to let me know you got this, thank you, and have a blessed day

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 2022-06-19
Company: Experian Information Solutions Inc.
State: NJ
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:
My Credit reports are showing that i have or had a mortgage account with XXXX XXXX with a balance of about {$700000.00} and it was liquidated or deed in lieu when no such debt existed with XXXX XXXX and in any event was discharged in XX/XX/2014.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,

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 2021-04-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My name is XXXX XXXX XXXX I live in XXXX Oregon and I was put inside of some organization where my life has been turned into a living XXXX I am the most upbeat positive person that puts positive in people 's lives because it makes the world a better place but I've been beat down told I had an inheritance that the government has it they don't have to tell me where it's at this organization has never given me one single penny when I get told to open a bank account and different banks they talk to me like I'm stupid and they don't know what I'm talking about why would you insure money the FDIC and the banks are not obligated to get a hold of the person if they have some money for them is the most stupid ridiculous thing I've heard in my whole life and what a rip off but you guys are truly ruined my life and our government put me inside some research or whatever the XXXX this thing is and then when I try to start a company put me inside some organization and take complete control of it and never receive a penny but you guys drive around staying the nicest hotels having steak dinners and beat the living XXXX out of me for four years straight with that one bit of positivity with all these people that you have here are from the military and are not homeless and treat me like living dog XXXX  every single day is the worst crooked thing I've ever seen any Americans do in my life and they should go to XXXX jail

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 2022-11-11
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the authority to decline or rescind but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. There's an account from XXXX XXXX XXXX reporting on my consumer report that is fraudulently furnished without my lawful authority. This unauthorized access of my credit report has with forethought and malice cause me to receive substantial harm and damage to my financial reputation as a result of it being furnished on there. This is a violation of the Gram-Leach-Bliley Act. I receive no benefit whatsoever for this account to still be reporting on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ), this is an invasion of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX I received my money since then I've been in contact with bank of america I filed a complaint with them that my account security has been accessed by outside means the security questions have been changed even the emails and phone numbers but they weren't supposed to allow it I verified with plenty of people that I am the account owner yet again today on XXXX  XXXX XXXX my account is yet again inaccessible to me cause they failed to protect my identity I am requesting help to fix this if by any means they can I already had over XXXX dollars spent it of my account that was supposed to be refunded and now they are refusing to assist 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 monetary relief
Consumer complaint received 2020-03-19
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 HAVE CHECKED MY CREDIT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT ME HAVING ANY KNOWLEDGE OF THEM. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME.I HAVE TRIED MY BEST TO MAINTAIN A GOOD CREDIT AND IT IS SAD THAT I HAVE TO GO THROUGH THIS BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS. BECAUSE OF THIS MY CREDIT IS IN A VERY BAD STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On tuesday XX/XX/XXXX I was scammed and the scammer had me open a Cash App account and send money to an unknown party. As soon as I realized what happened I called Cash App. Their customer service number refers you to their online support app. I sent information in the support app who then referred me to an email support group. For two days I went back and forth with them and finally they said they would not assist me and to report it to the police. Every company should have a phone number you can call to report fraud and if they had worked me when I reported it the transaction could have been stopped or reversed. I am also working with my bank but I feel that Cash App should be investigated for poor consumer practices and lack of consumer response. I would advise anyone who uses this APP not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them.

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 2021-04-23
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XX/XX/23 chase closed all my credit cards with them. I tried calling them and asked for an explanation and they simply said it was a business decision on their end. I then said since they closed the accounts no me of which I paid annual fees on were they going to refund my annual fees, They refused to pay any of the annual fees back on 2 of the 3 cards. one card the fee was charged 20 days prior so they said they would refund that card but the other 2 they said no because its more than 30 days after the fee was charged. I reiterated that I did not initiate closure and they are not giving me access to the card for the year so why should i be paying for annual use of a card that they have closed. The 2 cards were the chase southwest priority card {$140.00} annual fee, the other the united explorer mileplus card {$95.00} annual fee, the agent refused to refund any of the annual fees on those 2 cards, she kept repeating that they have the right to close the account at any time. which i understand I was asking for a refund of fees I paid since chase decided not give me use of the cards for the full term i paid for. the cards i was not paid back the annual fees for ends in XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter requesting they validate the debt was mine. They sent a letter stating they were not able to find me In their system. I provided an account number from my credit report, my name, and address. They stated they cant find me but will not remove this from 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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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