BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy 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 2023-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Am responding in Wells Fargos response, l only modified my loan ones, they said l modified more than ones, All the time they claimed they modified my loan they were just sending me figures higher than what l use to pay and l keep telling them l am not able to afford and with this high mortgage .l will need them work on my late payments on loan based on the monthly mortgage and interest rate that was handed over to them when the loan was sold to them, not on what they fabricated just to add money to my loan.l was paying about XXXX XXXX and even if l own that for two years it will not add upto the amount they added on the loan .And they are charging but interest and principal to the loan they are supposed to charge me me late payment on the interest.The principal of the loan is not supposed to increase .l will need Wells Fargo to calculate my loan from my original monthly payment.

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 2021-08-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Checking over my inquires & I noticed the inaccurate inquires I am not aware of that I called & disputed 30 days ago is still on my report. I contacted the creditors & bureaus provided all documentation stating Im not aware of this. Yet this is still reporting. Please remove these inaccurate inquires from my report ASAP!. you are going against the law section 609 of the Fcra XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, XXXX XXXX, XXXX XXXX XXXX, Chex Systems, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX have refused to delete this information from my reports resulting in my credit profile suffering tremendously.

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 2021-09-17
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: Personal information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report, I can say that I've tried for 4 times or more, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint against JPMCB CARD ( Account Number : XXXX ), JPMCB CARD ( Account Number : XXXX ) and JPMCB AUTO ( Account Number : XXXX ) for multiple violations of federal credit reporting and consumer protection laws. My complaint is as follows : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : JPMCB has failed to adhere to the FCRA 's requirement for accuracy and privacy of consumer information as outlined in 15 U.S.C. 1681, particularly section 604, which mandates that a consumer reporting agency may not furnish personal information without my explicit written consent. 

2. Violation of the Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1666b, a creditor is prohibited from treating a payment as late unless it has reasonable procedures to ensure statements are delivered at least 21 days before the due date. I have not received adequate or timely billing statements to fulfill my payment obligations. 

3. Business Account Misclassification : One of the accounts in question is a business account and should not be reported as an individual account. This misclassification has led to incorrect reporting and potential damage to my personal credit report. 

4. Lack of Communication : I have not received periodic statements, invoices, or any communication that would allow me to manage and verify the debts reported by JPMCB, which is a fundamental consumer right. 

5. COVID-19 Pandemic Protections : During the COVID-19 pandemic, I was entitled to certain protections and accommodations under federal guidelines, which JPMCB failed to provide or communicate. 

The aforementioned issues have caused significant harm to my credit standing and have impeded my ability to access financial products. I request that the CFPB investigate these matters promptly and take appropriate action to rectify the violations and provide relief as warranted. 

Enclosed are all relevant documents and correspondence related to this matter. I trust that the CFPB will address this complaint with the urgency it requires. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXXnotifed fraudulent charges on account at approximately XXXX and called WF to cancel card. Further charges were attempted later that day. 
Called XX/XX/XXXX for update-claim was denied Went to local WF on XX/XX/XXXX and claim was escalated to resolution team Called XX/XX/XXXX for update-claim continues to be denied. Requested documentation used to make this decision. 
Received documentation XX/XX/XXXX. XXXX XXXX phone was used to make charge to a bank in Florida. ( I live in NC, have a XXXX phone, and do not bank with the credit union in Florida ) The IP addresses documented do not match my phone or home computer. 

Wells Fargo continues to refuse to credit my money back despite having documentation to prove the charge was NOT authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have ana acct with wells fargoXXXX XXXX XXXX XXXX i tried to setup auto pay and it wouldnt go through, i went in the branch to get help and they couldnt help me, i have a agreement with the creditcard i have 36 months to pay off this debt as this furniture was in dispute they were charging me late fees i opened 2 complaints with the executive office and nothing is being done, i keep calling them nothing is being refunded, well then i had so many problems with the furniture XXXX XXXX took back my living room furniture and issued me a credit {$2800.00} but i still have other furniture from them well wells fargo took the money and paid off the card balance and i didnt want that dont bc i have the contract terms that say i have 36 months to pay, so i keep calling them and no one is sending me my money that they are holding and fixing my acct and they are ruining my credit by reporting me late

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-25
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are two incorrect addresses on my credit report showing as previous addresses. I called on XX/XX/21 to request that they be removed. Other incorrect information was removed but not these 2 addresses. This misinformation has allowed debts to be attached to my name that are not mine, therefore my credit score has been affected negatively which in turn affects my chances at future credit. Because I did not give permission to display any of my personal information, especially not incorrect information, this company is in violation of 15 US Code 1681 ( a ) ( 4 ) and has not protected my right to privacy.

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 2022-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX I moved to XXXX from XXXX, I had an account at regions bank, they closed my account they told me it was because they do not have a branch on the XXXX XXXX, I still had XXXX $ in the account, since then they have collected all my stimulus from the irs and XXXX transfer for my business and will Not release my funds, they said I have to come there to close the account which I have proved I am unable to get on a plane due to Health issues my cousin has power of attorney and they still wont close my account and mail my check they are still accepting money on my behalf and keeping it. Ive tried so many times to get my money out of this bank account and on top of all this they are changing me XXXX $ a month to keep my account open they also is still accept my XXXX ect on my behalf

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 2023-09-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WILL ATTACH MY CONSUMER REPORT FOR XXXX XXXX THAT'S NOT BEING REPORTED ACCURATELY -- XXXX IS REPORTING LATENESS FOR XXXX, XXXX & XX/XX/2022 WHILE EQUIFAX IS REPORTING PAID STATUS -- THIS IS NOT 100 ACCURATE REPORING -- ALSO PER 12 CFR 1026.13 THIS IS A BILLING ERROR & LATENESS ARE NOT SUPPOSED TO BE REPORTING ON A OPEN ENDED PLAN SUCH AS THIS ACCOUNT PER 15 U.S. Code 1637 - Open end consumer credit plans... 

AGAIN, THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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 requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Tel : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Credit Card, I have unauthorized charges on my card. I filed the fraud disputes and sent an online message on XXXX. I closed the cards online and requested new cards. I have already received the new cards. I wrote a letter on XXXX and faxed it to Barclay on XXXX and XXXX. 

XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$100.00} XX/XX/2023 XXXX XXXX {$75.00} I had two Barclay cards in XXXX XXXX The Barclay website has a button to order a duplicate card. Only one of my cards was stolen. The second card was in my home. Thus, I had a card, and both were not stolen. 

I am reporting Barclay to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX  for not providing fraud protection. The charges are fraud and are not authorized by me. Barclay should know that I had two cards in active use and used the duplicate button. 

Also, it is possible to have a card stolen and used, and then replaced in your home, hotel, or wallet. It that situation, the thief had access to your home, wallet, or hotel. A thief can be a co-worker, employee, guest, maid, intruder, hotel manager, or family member that made unauthorized charges. Barclay is not considering all of the possibilities for fraud. 

Please reverse the charges on my account due to fraud. If I need to sign paperwork, please mail it to me. Please send me a confirmation letter that you received this notification of fraud. I prefer to receive status updates by paper mail. 

Thanks, 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 2022-07-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, with 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-10-25
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been unable to reach anyone via phone for over 3 weeks starting from the beginning of XXXX. 

I have made 5 attempts to call on different days of the week and been on hold for over 60 minutes every single time. My message through their system has gone unaddressed as well.

Nelnet put my loan into an administrative forebearance while I'm waiting for my SAVE application to go through. I did not ask for that to happen and wanted to keep my auto-payments going. 

I am unable to reach anyone via phone to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I tried a subscription service for clothing. The product sent did not fit and were mismatched wrinkled and generally horrible. I returned everything and had tracking information to show it. The merchant continually lied and said that I didnt return the items. I have email chains with the merchant that state that they DID receive the items but that they will not issue credit and are trying to force me to accept a store credit and yet they havent issued me either a store credit or a credit to my credit card. Capital one is the credit card and XXXX XXXX is the merchant. The shipments were delayed in shipping to and from the usps and 3rd party returns agency and they are holding me personally responsible. All I want is a credit and I do not want to EVER do business with a shady company like XXXX XXXX again and yet Capital One continues to neglect to acknowledge that the items were returned and I am due a credit.

Company response to consumer: Closed with explanation