BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
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 am writing to formally dispute the inclusion of certain accounts on my credit report, as their presence is unauthorized and in violation of consumer protection laws. I expect your immediate attention and resolution of this matter to ensure the accuracy and fairness of my credit history. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$380.00}

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 explanation
Consumer complaint received 2022-11-18
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2022, we, XXXX XXXX XXXX XXXX were advised by XXXX XXXX that the repair check made out to XXXX XXXX ( our lessee ) and XXXX XXXX XXXX XXXX was cashed without the endorsement of XXXX XXXX XXXX XXXX and without our permission. The strange part it, XXXX XXXX XXXX XXXX had possession of the repair check. It was somehow mobile deposited through Wells Fargo on XX/XX/2022. So, the check was deposited before we got possession of the check. 
We submitted an affidavit of forgery to Wells Fargo bank, through XXXX XXXX. on XX/XX/2022. That same day, we got an email with a new affidavit of forgery for XXXX XXXX  and we were informed that was the insurance company 's bank. So, we did the new form, submitted everything that day. We have not heard back from the insurance company. We have attempted to reach them by email and by phone. And its the manager we are contacting. We have received no response.

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 2021-03-03
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Jefferson capital/XXXX calls everyday and demands payment. I have told them that there is no money left to pay anything else they said they would send to legal to sue me. this started XX/XX/2021 in the amount of over {$1000.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Incomm Holdings Inc.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I am writing to file a formal complaint against XXXX, specifically concerning a Visa Gift Card issued by One Vanilla, backed by VISA, which I purchased at XXXX in XXXX on XX/XX/2023. 

Upon realizing that the card I purchased was fraudulent, I promptly reported the issue to the designated customer service contact. They assured me that a replacement card, loaded with the {$500.00} value, would be issued. However, despite their assurances, I have not received the replacement card. 

I have diligently followed up with XXXX through numerous phone calls, but regrettably, the promised replacement card has not been sent. This has been an ongoing issue, as I have contacted them approximately XXXX times since my initial report, and I am yet to receive any resolution. 

I am deeply dissatisfied with the level of service provided by XXXX, and this situation has caused significant inconvenience and financial strain. As a consumer, I expect prompt and efficient resolution of issues, especially when it involves fraudulent activity on a product associated with a reputable company like XXXX. 

I kindly request your intervention in this matter to ensure that XXXX addresses this issue promptly and fulfills its commitment to provide a replacement card with the promised value. 

I appreciate your attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage is with Bank of America and on XX/XX/2020 I refinanced with a different company and a wire was sent on XX/XX/2020 to Bank of America to pay off the mortgage, with the correct routing number, mortgage account number, and the correct amount that was provided by bank of America ( info on payoff statement ), my correct name and address and the payment has not been applied. I have contacted Bank of America on 5 different situations and have spoken with multiple representatives whom 3 have stated that they will escalate the issue and it will be resolved within 24-72 hours ; the first  time I was told this was back on XX/XX/2020. When asked for a ticket/case number I was informed there was not one available. when I asked for a name, representative, or phone number of someone that I could follow up with directly, again I was told there was not one available. I then asked if they could put in a request to have someone  reach out to me to verify that it has been completed and I was told that was not available. This one call took over 3 hours total. I have since called other times ( XX/XX/2020 and XX/XX/2020 ) with the same responses and still nothing is being done. I am well over 6 hours of my time invested in trying to get this resolved via phone. I also submitted an email to Bank of America from their online website, with no respones.. Bank of America has me listed as being delinquent on my mortgage since they haven't processed my wire from XX/XX/2020 and my payment was due XX/XX/2020. We are coming u

p on 30+ days delinquent and I fear that my credit will be effected by this as well. I do not see how a financial institution is able to sit on a wire transfer without processing in a specific timeframe. Any Assistance would be GREATLY appreciated as I am becoming very frustrated and would love to get this resolved.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
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:
Am writing to formally dispute the inclusion of an account on my credit report, as it was established without my knowledge or consent, using my personal information, such as my Social Security number. The circumstances surrounding this account clearly violate consumer protection laws, and I insist on its immediate removal from my credit record.XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX XXXX : {$460.00}.

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 explanation
Consumer complaint received 2021-12-03
Company: AES/PHEAA
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a FTC Report because there were fraudulant accounts on my report and nobody would help me get this resolved. Please remove these accounts.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: SC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I reviewed a copy of my credit report and send disputes regarding inaccurate or incomplete information. I sent disputes to attempt to have investigated and I did not receive and updates or credit reports advising of results. My disputes was regrading account XXXX XXXX XXXX account number:XXXX****. This account is listed as charged off but is showing a balance of {$15000.00}, an open date XX/XX/XXXX, and last payment date of XX/XX/XXXX. I see account is reporting inaccurate. Per the FCDPA no account bearing a charge of can not have a balance listed. Also, the open date is different from other credit reporting bureaus. I sure that this creditor only reports once and this date is incorrect. Lastly, the last payment date shown to be XX/XX/XXXX but my payment history listed as of XX/XX/XXXX show an on-time payment. How is this possible. Again, this account in reporting 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 2021-05-27
Company: EQUIFAX, 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:
I have 6 accounts showing on my credit report that do not belong to me in any way shape or form I need these accounts off my credit since I have not approved, opened or used these accounts!!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: JPMORGAN CHASE & CO.
State: CA
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 made a purchase with XXXX XXXX on XX/XX/2022. I made a purchase totaling {$250.00} and ended up keeping one item and returning the rest. A few weeks later, I noticed that the returned items had been delivered back to the store, but I didn't receive any emails about a refund. I attempted to contact them but was unsuccessful, so I filed a dispute via Chase. I should mention, I made a mistake when filing the dispute and putting {$250.00} instead of substituting the amount for the one item I kept, which may be causing the confusion. 

On XX/XX/2022, I received an email from XXXX saying that my refund had been sent, so I called to cancel the dispute. However, after a few weeks, the refund wasn't reflected on my account. I reached out to XXXX several times through calls and emails, but they informed me that once a dispute has been opened against an order, they can no longer take any action. They instructed me to contact you in order to receive the refunded amount. I need to reopen the dispute and get {$180.00} refunded by XXXX. 

I have opened a total of three disputes with Chase thus far. The last time, I was instructed to submit a letter to reopen the case, which I did. I provided evidence in the form of screen shots of emails I received from Chase, explained the entire situation, and faxed it to them. Unfortunately, once a dispute is closed, I am no longer able to file a claim online. The second time I opened a dispute, they simply closed it without requesting any additional evidence or documentation to support my case. For my most recent dispute, I called two days after faxing my letter, and was informed that it would take up to two billing cycles to resolve. I waited patiently and called them after a month to get an update, only to be told that they had closed the case after only five days. I do not believe that this is sufficient time for a thorough investigation, yet they decided to close the claim. 

At this point, I am extremely frustrated with both XXXX and Chase. I have been charged a bill that I should not be responsible for, and neither company seems willing to assist me with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

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 2023-01-10
Company: United PanAm Financial Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Upon having my credit ran numerous times after only iterating to have it ran once XXXX XXXX at Texas XXXX XXXX got an approval from UNITED AUTO CREDIT for the Selling Price {$66000.00} 90-Day Limited Warranty Included 1-Year roadside assistance Included Vehicle Service Protection Edit XXXX mo. / XXXX mi. / XXXX ded. 
{$2100.00} Guaranteed Asset Protection Edit XXXX mo. 
{$890.00} Everyday Protection Edit XXXX mo. 
{$1900.00} Taxes and fees {$4500.00} Shipping Fee - Est. Subtotal {$76000.00} Due Today Refundable deposit to hold this vehicle {$240.00} FINANCING INFORMATION Down Payment {$50000.00} XXXXXXXX XXXX United Auto Credit Corporation APR 15.65 % Finance Term 60 months Number of payments XXXX Amount Financed {$26000.00} Finance charge {$11000.00} Monthly payment {$630.00} Registration AddressEdit Edric-DashayGray XXXX XXXX XXXX XXXX XXXX XXXX Delivery AddressEdit XXXX XXXX XXXXXXXX XXXX XXXX, XXXX after such interaction i never receved full disclosure or notice of all info included in contract nor did i get a chance to review truth in lending disclosures after further working and sending in documents my deal was reversed due to unforeseen circumstances which are not accurate, i was also never given the notice to optional credit life insurance included in the finance charge, under TILA i was supposed to receive full disclosure of all information involved in this closed end credit transaction within parameters of OCC and TILA creditor/lender/dealership is at fault for willingly and knowingly withholding or not disclosing all information involved in consumer credit transactions " Federal law authorizes the OCC to order supervised institutions to make monetary and other adjustments to the accounts of consumers where an annual percentage rate ( APR ) or finance charge was inaccurately disclosed under certain circumstances. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: MS
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:
RE : Willful Noncompliance with federal credit laws : Failing to Follow Debt Dispute Procedures Reporting a debt as charged off when it was settled or paid off Reporting late payments when your payments were timely Reporting old debts as new ones Inaccurate statement of balance due Experian XXXX. XXXX XXXX XXXX, TX I submitted a dispute on XX/XX/2019 and XX/XX/2019 for the following account : XXXX XXXX, Account Number XXXX date is incorrect, balance is incorrect, original creditor paid and I have not received any correspondence from you or the collection agency that this item has been reinserted on my credit report. 
The representative informed me that a thorough investigation would be conducted. This was obviously not done because the item was immediately validated as accurate. 

XXXX XXXX XXXX, Account XXXX XXXX account details are incorrect. Please provide full details of validation efforts XXXX XXXX XXXX, Account Number- XXXX Account paid under wage garnishment XXXX XXXX XXXX XXXX , Account Number- XXXX Documentation has been previously mailed several times regarding the correct/updated balance after the vehicle was sold. You refused to acknowledge the documentation I submitted. This is old information furnished as new information. This is a clear violation of my rights under federal law. 

XXXX, Account XXXX, XXXX - Unauthorized charges billed to an address that I do not live and have never lived at. 

the agency came back both times in less than 24 hours with the item remaining and claiming to have verified the dispute. Now, they are refusing to reinvesigate any further, deeming it frivolous.

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 2023-05-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have a reverse Mortgage with Carrington this is a loan that was taken over by another loan company that had gone into default. I desperately need your help and Im asking you to intercede on my behalf. My loan number is XXXX on XX/XX/XXXX XXXX requested a withdrawal of {$10000.00} I was told that a check was just sent in regular mail, on XX/XX/XXXX I have never received the check Ive gone to the post office. They have told me they cant search it without it being certified. I have been calling almost every other day to look at for a resolve I have sent in my direct deposit information so that we could request it and have it immediately put into my account. I was told that my direct deposit information when I called today myself to find out that they did not like the signature that I had on there, I never received information on this had no idea there was a problem with it they have my emails they did commit not communicate with me. I am not sure what signature they are comparing it against. It is my signature. I went to a lot of trouble to get it formed into a PDF and have it sent to the company for this, we are now over two weeks into this whole process almost 3 I have no money from my account and I need help. I am being told that I would need to perhaps have my signature notarized and re-send the PDF again I find all of this to be very subjective and punitive to me. I find it to be unethical and lacked professionalism. It seems as if you were holding my money. Maybe perhaps theres a reason for that the liquidity of your business I am not sure, but I find this to be a poor business practice please get back in touch with me and let me know what you could do on behalf of your company to help me. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I noticed a credit card that I have never owned. It came out in my credit report.I filed a complaint and dispute. Discoverd it was a third party credit card.and the names that came out on this card. Have never known or heard of these name these people.. I contacted XXXX XXXX and they told me to file a 2nd dispute.. But the company keeps insisting its my card.. Its being used fraudulently. Because this is not my card.This card does not belong to me. It was opened in XXXX and just recently came out on my report. I do not own this card have never applied for this card for this card.

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