BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to file a complaint against the three credit bureaus, specific to Experian. 

Since last two months my payments to the credit companies are exceptional and also there was no incident happened that can brought down my credit score 23 points. Regarding this matter, I contacted with Experian but got no answers. 

Here are my complaints against them 1. Why can we see our own data/report, credit bureaus collect from the financial institutions. Because those data/report help us to understand whether there is any problem with us or the financial institutions reported the incorrect data or did any mistakes. 

2. Secondly, Based on what criteria, they increase or decrease the credit score, why they never disclose to a consumer ( by providing report online etc ). 
As an example, report like this Previous score XXXX Current score XXXX -- reduced to due to 1-late payment etc. ( this part they never disclose ) But they never disclose the details behind their scoring. 

3. Why in credit bureaus, everything is so secret, which raise the questions about their honesty and motive. They collect, store and use our data/info. They have no right to play with us hiding our data/info. 

4. Why they don't have any live customer service to provide clarifications or addressing any concerns about our score/report etc. Like XXXX, Experian have no live customer support. 

I, therefore, request you to take the necessary actions to protect us, before they further ruin our financial situation.

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 2020-07-26
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:
There are several items reporting on my credit file that does not belong to me. The following does not belong to me : Personal Information that is incorrect : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Experian & XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) The following accounts are reporting inaccurate late payments status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, Experian & XXXX  ) XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$840.00} ( XXXX, Experian, XXXX ) The following accounts was open as a result of identity theft ; these are not mine XXXX XXXX XXXXXXXX - Date Open : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) The following inquiries were not authorized by me : XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( 9 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 5 TIMES ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-17
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:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-07-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The checking account was a few months old. I deposited a check remotely via XXXX. 
It appeared on my account, then was placed on hold. I then received a notice a day or two later that my account was being closed. Upon inquiry they " suspected '' the check would not be paid.

Although the I could understand the longer wait ( even if it was unjustified ) for the funds to clear, there was no reason given for closing the account. I called customer service twice to discuss it, and no one could provide a reason, they just kept defaulting to why the check was being held in a pending state. Odd comments like " checks are dangerous '' were made. 

This created ridiculous stress both from not being able to use the funds, and not being able to know any reason for closing the account. I withdrew the funds before the upcoming closing date. I had actually been about to move all my other accounts to Wells Fargo as they have my mortgage, but instead I will be closing them. Extremely bad customer service.

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 2023-06-07
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 2023-06-07
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX Account # 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 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 2021-05-07
Company: JPMORGAN CHASE & CO.
State: IN
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 CFPB closed my complaint with this company. The inquiry they put on my credit is fraudulent and the information used was incorrect so again, I want it removed from my report. Chase sent me a letter in the mail saying I was denied credit for various ( untrue ) reasons, and they said the date it was calculated was XX/XX/2021. My credit score as of today ( XX/XX/2021 ) is XXXX according to XXXX. So not only was I incorrectly denied when I requested my removal, I also had them place a hard inquiry on my credit report for someone that isn't me. I've tried calling them multiple times and they have been no help, so here I am trying to get all these random inquiries off of my account. Either someone has stolen my identity, or someone isn't telling me the truth about my accounts. This is the first of many inquiries I have to take care of and that I have proof of incorrect information which is a good sign of XXXX XXXX. 

I've even attached the letter they sent to my old home in the mail. The address they have on file from when I used to have a Chase checking account a couple years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NC
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 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 explanation
Consumer complaint received 2019-10-08
Company: American First Finance, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had to have my vehicle fixed at a local XXXX XXXX XXXX XXXX and they encouraged me to sign up for a loan. Once the work was completed on or around XX/XX/19 I had to bring the car back the next day and then it died a few days later. I informed the bank and the supervisors at XXXX. American First finance assured me the loan was voided and they returned my money. Now that I am no longer driving that vehicle its at a total loss. They are telling me the loan is not voided. I have contacted XXXX XXXX XXXX XXXX to ask that they return the part .I need help to resolve this issue and get all the recorded calls included. I have been dealing with phone calls between the 2 companies for more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 account theres are several accounts that violates my rights. 15 USC 1681 section 602 stated I have the right to privacy. 15 USC 1681 section 604 a section 2 : it also stated a consumer reporting agency can not furnish an account without my written Instructions. 15 US code is 1681a - rules of construction exclusion exception as provided in paragraph The terms consumer report Any reporting containing information solely as two transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hi I purchased a XXXX XXXX XXXX in XXXX of XXXX at the major world dealership. I recently have come to find out upon trying to do a trade in that my vehicle has structural damage. The real value of the vehicle is no way near the price that I'm paying for it! Wells Fargo Bank wants to hold me responsible for paying my loan payments and deductable of the auction purchase still when I'm volunteering to give them reposition of it. I don't feel safe n responsible for a vehicle that was sold without any knowledge of what 2 people at XXXX told me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TN
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 XXXX Bank, Account # XXXX has violated my rights. 

15 US 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Has violated my rights. Or list of inquiries 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 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-09-30
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 am writing to request an investigation of the following information that appears on my Equifax, XXXX and XXXX consumer report : Dispute 1 Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dates associated with item being disputed : XX/XX/2017 Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX Explanation of Inaccuracy : This item XXXX XXXX XXXX XXXX is inaccurate because the balance is incorrect. It was brought to the attention of both the original creditor and collection agency on numerous occasions. They seldom respond to requests to investigate. They have failed to provide evidence of the original contract. This is a clear violation of consumer rights outlined in FDCPA. 

Enclosures Copy of credit report E-mail correspondence from XXXX XXXX acknowledging the incorrect balance 4 different final statements from XXXX XXXX XXXX of cancellation of pre-move out inspections to confirm accurate bill Evidence of no response to inquiries made to XXXX ( the collection agency )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX  XXXX Balance : {$880.00}, XXXX  XXXX XXXX Balance : {$480.00}

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 2022-01-31
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: Investigation took more than 30 days

Complaint:
XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX and was forced to skip my mortgage payments during the pandemic. I have been XXXX and am unable to work during the pandemic and suffered from many long-haul XXXX  symptoms. Once my forbearance period ended, I was told that I needed to make XXXX trial payments in XXXX, XXXX, and XXXX of XXXX. I even made XXXX payment on XXXX of XXXX. 

I made these XXXX payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested. 
My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation