BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: GA
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 received my credit report on XX/XX/2023 and I noticed there were hard inquires that don't have permissible purpose to be on there. These hard inquires are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: DISCOVER BANK
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I, who are both XXXX XXXX, applied to Discover Home Loan ( DHL ) to consolidate unsecured loans we took to start a business on XX/XX/XXXX. The requested amount was {$300000.00}. My credit score was XXXX and my husband XXXX, we have a combined XXXX income of over {$220000.00} + gross rental income of $ XXXX. Our primary home we were borrowing against is valued at {$800000.00} with a mortgage of {$170000.00} with $ 2200 monthly payments. After pulling our credit, XXXX offered an approval, requested documents and sent us documents to esign to move process forward. We received an email to provide more documents and received a denial within XXXX of request without having our response or any contact whatsoever. We reach out to XXXX and was told we had been denied because we claimed losses on a business we just opened on our XXXX tax return. We explained the business opened in XX/XX/XXXX and had gross income of about {$100000.00}. But rep we spoke with insisted unless business was closed we could not be approved regardless of our credit worthiness. We were informed that our credit worthiness was not all they looked at to approve and would not provide further information. Personal loan advisor made no attempt to reach out to us and refused to take our calls. Another personal loan advisor we spoke with stated shed never seen income calculated the we ours was and would reach out to the underwriter for an explanation. The underwriter never responded to the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Experian Information Solutions Inc.
State: IN
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:
Consumer complaint narrative I pulled my Experian credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 2023-08-18
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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX Balance : {$2600.00}

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 2021-02-23
Company: Square Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
When merchants are are unresponsive and transactions are disputed, this company does not investigate them properly, which is a violation of federal and state law, but also a violation of their card issuing agreements with visa/mastercard. 

The improper investigations are due to extremely poor quality, including poor English comprehension, of outsourced customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: JPMORGAN CHASE & CO.
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: Personal information incorrect

Complaint:
I had a legal name change in XXXX of XXXX. At that time I updated my Social Security Card, got an Amended Birth Certificate, updated the name on my driver 's license, updated my name on my Medicare card, changed the name on my checking accounts and all other financial accounts. 

All except for one. Chase bank is the ONLY bank that has thus far refused to update my information. I have tried sending them multiple faxes over the past 3 years with all of this information. I also tried giving the information in person at their closest branch office. I tried attaching the files to their secure message system while logged into the account. I tried mailing them the documents at my own expense. 

To this date, more than 3 years later, they continue to refuse to update the information on the account. This has had real world disastrous consequences for me. By continuing to report the old name while everyone else reports a new name it resulted in a credit report being fractured such that it appears as if two different people are using the same social security number. I learned of this in early XXXX when I was approved for a mortgage refinance that I needed when interest was low and income in the household was impacted by the pandemic. I was initially approved, but then a security flag denied me because my old name and new name appeared on separate credit reports with the same social security number. And I still can't get that fixed! Every time it seems to be fixed it breaks again because Chase bank continues to report the old information as if it is current! They are preventing me from having access to any new credit! The level of harm they are causing me is absolutely severe and all I've asked them to do is fix the error by updating the account information as required by law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company name : XXXX XXXX, Account # XXXX Company name : XXXX  XXXX, Account # XXXX Company name : XXXX  XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : XXXX  XXXX XXXX XXXX XXXX, Account # XXXX Company name : XXXX XXXX XXXX, Account XXXX XXXX Company name : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Company name : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth Finance has put a mark on behalf of XXXX XXXX XXXX XXXX twice, once in XX/XX/2018 and again in XX/XX/2018. I wrote a debt validation letter on XX/XX/2018 & mailed it via certified mail requesting that Commonwealth Finance provide me with a copy of all medical records, including records that were signed by me giving consent for treatment at any medical facility, whether it be a hospital, lab or doctors office to my home address and demanded that they cease and desist calling XXXX. Commonwealth removed the mark on my credit report and returned the signed certified mail receipt. They did not respond to my request to produce these documents. Instead they sent a letter stating that I needed to pay the debt. I checked my credit report in XX/XX/2018 and saw that Commonwealth Finance had once again put their mark on my credit report. They have not sent a letter demanding payment, they have continued to ignore the previous request in XX/XX/2018 to validate the debt that they claim is owed to them. I never gave them consent to treat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
There is a credit card that is reporting on my credit that is not mines. Someone stole my personal information and have been using it to get credit cards in my name. I need this removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was taken over by Vanderbilt in XX/XX/XXXX During the transition, it was unclear how to make a payment, so the XXXX payment was made online through their portal on XX/XX/XXXX. On XX/XX/XXXX, XXXX reversed the payment and charged a late fee. I called on XX/XX/XXXX and payed up through the XXXX payment ( 3 months payment ) via check over the phone. A partial payment before the XXXX due date was made through the online portal on XX/XX/XXXX and accepted. On XX/XX/XXXX, they reversed the payment. On XX/XX/XXXX, the full amount due for XXXX was paid using a different bank through their online portal. A call was made after the payment was accepted to verify it went through and the account was credited, and everything was confirmed by Vanderbilt. I received the XXXX payment statement on XX/XX/XXXX showing the account was current and the XXXX payment was processed. On XX/XX/XXXX, Vanderbilt reversed the payment and will no longer accept payments online. There was never an overdraft issue. 
All bank information has been verified with the banks and Vanderbilt refuses to accept payments and blames the bank.

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 2021-01-13
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my new home on XX/XX/2020. The lender is Caliber Home Loans, and the Title Agency is XXXX  XXXX. This complaint is only about Caliber Home Loans. 

A few hours after I closed, I received a call from the title company, informing me that there was a mistake on my final closing disclosure that Caliber had prepared and that was used to determine the amount of cash I owed at closing. Specifically, a mistake was made ( and not caught prior to closing ) regarding the amount of property taxes that were credited to me ( and against the seller ). I therefore was asked to send additional money to the title agency to cover the mistake, but the title agency could only give me an estimate of the amount I was owed. To be safe, I sent the title agency extra money while we awaited the updated closing disclosure statement from Caliber Home Loans. The title agency has already agreed to refund me the excess between what I have deposited with them and what is actually owed.

However, despite multiple requests from both the title agency and from me to Caliber Home Loans ( via phone and email ), Caliber has still not provided to either the title agency or me a copy of the revised/corrected closing disclosure statement. Consequently, I have thousands of dollars being held by the title agent while we wait for this simple disclosure statement to be sent over. 

There is simply no excuse for Calibers original mistake or continued failure to provide the corrected statement to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
American Express claims I had a New Balance of {$170.00} with a Please Pay By date of XX/XX/2017 and another new balance on XX/XX/2017 statement showing a Past Due Amount of {$280.00} American Express also claimed I had a new charge from XXXX XXXX XXXX XXXX for {$100.00}. As I have mentioned to both American Express and XXXX XXXX XXXX the debt collection company they assigned to collect this debt that none of these transactions were mine and I had no idea who they belong to. 

Out of stress and frustration I offered XXXX XXXX XXXX XXXX a one time offer to settle the account for {$100.00} just to get rid of the derogatory account, they countered with {$220.00} I declined because I was not going to pay this company more money for an account with transactions that were not even mine, period! 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. 

Dependent upon the response, I will detail any potential issues with both American Express and XXXX XXXX XXXX XXXX via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: WELLS FARGO & COMPANY
State: PA
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:
A fraudulent purchase was made through XXXX on and around XX/XX/XXXX  for XXXX on our Wells Fargo credit card. We were alerted by Wells Fargo of the fraudulent charge and immediately discontinued card. Wells Fargo removed the charge. One month later the charge was put back on our card because Wells Fargo stated that XXXX stated that we made the purchase using a valid email address - the one that Wells Fargo had on file for us. We did not make the purchase, authorize the purchase or receive the purchase. We were told the purchase was for XXXX XXXX. We have disputed the charge through the bank now 3 times. We have disputed the charge through XXXX via email and letter. We are seeking a resolution for this fraudulent charge using our credit card and private information. We do not have or have ever used XXXX nor do we have a XXXX account. We also had fraudulent activity on the card at the same time for XXXX which was removed by Wells Fargo We have requested the investigation report multiple times but did not receive it.

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 2022-10-13
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was sent an email from " XXXX. '' The email stated that someone had recently used my account to send an unauthorized amount to another company. I had a similar instance happen recently through XXXX and corrected the error. So, I checked the number and email provided online, and it appeared to be credible based on the sites provided by XXXX XXXX. I called the number, and they followed the same exact script as XXXX would for the situation and explained that the process would be a bit different this time due to the purchase, XXXX. I was assured this would be solved by transferring money from my personal accounts to a secure account. I followed the instructions by the person on the other line who instructed me to give access to the account to facilitate a transfer. I was then told the individual the installments in " two '' to be more " secure. '' The amounts of {$2000.00} and {$310.00} through XXXX  to a number that after was listed as " XXXX XXXX '' after the transactions went through. After a long pause, I realized something was off when I asked for the amount to be transferred back. I demanded that my money be transferred back, but the gentleman on the other line stopped talking. I immediately called XXXX after this exchange and asked if they could pause the transaction. I was told there was nothing they could do because it was through a third-party vendor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: OH
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 realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broken the law because these damages are fraud and I am trying to move forward

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