BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened my Wells Fargo Cash Back credit card a couple of months ago and have been using it without issues since then. I typically run up the balance and consistently pay it down by making payments every 2-3 days. I've not had an interest charge yet and have made about {$150.00} in rewards and {$200.00} in bonus. I went to make a payment today and got an error saying " You've reached your limits of payments allowed to this account from non-Wells Fargo accounts ''. I called in and they advised me it was a tactic to have customers sign up for a Wells Fargo checking account. When I mentioned CFPB they said they could take a payment over the phone.

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 2023-04-07
Company: EQUIFAX, 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!! 

The accounts listed here need to be REMOVED IMMEDIAYELY. 

Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX Act. # XXXX, XXXX  XXXX Act. # XXXX, XXXX XXXX Bank XXXX # XXXX, XXXX XXXX XXXX Act. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Childsupport Act. # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$740.00}

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 non-monetary relief
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a XXXX XXXX XXXX XXXX card which was running a XXXX pts reward offer during XXXX XXXX. This card is through JPMorgan Chase Bank. I applied for the offer on XX/XX/25 and did not receive an immediate answer. My understanding is that I would receive an answer by mail within XXXX to XXXX  days. I did not receive any correspondence with determination from Chase. I decided to reach out to them in order to get some answers. It was determined that my application was denied because they could not verify my addressing information and said it expired. I was very upset and explained that they failed to reach out to me for the opportunity to verify that information. They said I could reapply but the offer was gone and I could only apply for the new lower offer of XXXX rewards pts. I felt slighted but said I have no problem taking the lower offer. However, reapplying would hit my credit report again which already has their hard inquiry listed. I was told that they would not be able to remove the first inquire. I was then sent through a phone call transfer rollercoaster by several agents who could not resolve my issue or present a fair solution. As of today I have still not received any letter of denial from JPMorgan Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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: Account information incorrect

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.

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 2022-10-31
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
All inquiries have been made on my credit profile between dates of XXXX XX/XX/2022 I have reached out to all creditors to get information deleted and there has been no response I have provided the credit bureau with proper documentation stating that the inquiries are ongoing and they need to be deleted but I have not received any response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
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:
Went to a used car dealership, and the salesman told me they was only going to run my credit report one time an when i check my report multiple credit pull.

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 2022-03-08
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: Account information incorrect

Complaint:
XXXX is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent TransUnion - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency TransUnion is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX  XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/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 2020-07-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a VA mortgage with USAA on XX/XX/2020. I am a XXXX XXXX XXXX veteran with a XXXX XXXX old. We were planning to move from XXXX, XXXX  to XXXX, XXXX  due to a recent job I had gotten after being laid off in XXXX when Covid-19 hit. We were due to close on XX/XX/2020 Everything was going well until about XX/XX/XXXX, when I had not heard anything from the USAA mortgage processing team for over 2 weeks and had not received word that the appraiser had been ordered. So, after calling and emailing the processor all morning, he quickly replied that he needed a different version of my XXXX because he never even got around to securing the Certificate of Eligibility ( COE ) necessary for him to even order the appraisal. After I sent him the XXXX, he failed to reply to my standards so I secured a COE on my own via the VA eBenefits website and sent it to him. He ordered the appraisal on XX/XX/XXXX ... one week before we were contractually set to close. 

This processors name is XXXX XXXX, his senior is XXXX XXXX, and their manager is  XXXX XXXX. 

I did not hear back from XXXX or his team all week until about Friday morning XX/XX/2020 when XXXX said the appraiser would have his report turned in by that evening. This would allow us to close on the XXXX. 

Monday morning, XX/XX/XXXX, I receive a call from my agent saying there has been no confirmation that the appraiser ever scheduled to appear on Friday. I call and email XXXX only to find out he is on " vacation '' until XX/XX/XXXX ... the day after we are due to close. I start proceeding to fix this issue with XXXX and XXXX who do not reply to over a dozen voicemails and emails from myself or my agent until Tuesday XX/XX/XXXX ... less than 24 hours when we are supposed to close. 

XXXX and XXXX offer no timeline, no status updates, etc. Only that " they are working on it. '' I was not told that the closing date would change until the evening of XX/XX/XXXX ... 12 hours before we were supposed to close. 

Now, my family is homeless. My wife and son sleep in a basement while I sleep on a floor or couch as we are told of more delays by USAA and the appraiser because " they technically have X amount of days to complete this document or that document ''. We have no idea where the process is or whether or not we will actually be able to close on the home if we are forced to extend with the sellers again. 

USAA never secured a COE USAA never ordered the appraisal USAA never offered to house my family despite their fault of rendering us homeless USAA never said " We are sorry '' USAA has not updated me on the current status unless I reach out to them first. 
USAA is not taking my mortgage seriously USAA is endangering my family 's welfare while allowing people to take vacations and days off after knowingly failing to uphold their end of the contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2021-04-17
Company: Advance America, Cash Advance Centers, Inc.
State: WA
Product: Credit reporting, credit repair services, 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:
The fraud on this account was committed by XXXX XXXX XXXX who I don't know. It is illegal to put a XXXX loan on any credit bureaus, which has negatively impacted my credit report. I have a right to sue under these rights. You see I am a XXXX combat XXXX time XXXX veteran, and I had problems with my identity being used from 2006 to present even with the credit freezes via the dark web. 

It is illegal as well as improper for XXXX to put inaccurate information on my account, which I stated should be deleted from all related credit bureaus, which there is four, but the average american only knows the basic ones. It is predatory lending practices who likes to take advantage of people like me, and who would give XXXX loans to anyone who could use any of my information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: LEXISNEXIS
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis refuses to comply with a subpoena for records XXXX thru the present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These unverified must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these unverified, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or repaired as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A card was opened in my name and the person proceeded to spend {$800.00} on it, maxing it out. The {$800.00} was spent in the form of ( XXXX ) {$200.00} gift cards. I called Kohls and they proceeded to cancel the card and claim it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a credit card that I applied for from capital one & they told me it wasnt going to be a hard pull so i continued with the application & a few seconds later I got a notification from all 3 credit bureaus about a hard pull

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 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.

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 2020-07-17
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-27
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 submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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