BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
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: Their investigation did not fix an error on your report

Complaint:
I just filed a complaint with Experian and they closed the complaint without even investigating it! The response I got We dont think this is you so were not going to take action! I just filed a complaint on XX/XX/20 Explaining that Experian was falsely reporting inaccurate information on my credit report! Please reopen the complaint filed on XX/XX/20 and investigate the inaccurate information reported!

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I send a certified letter XXXX XXXX I ask the Bruere to investigate my account. it came back verified which by 15 US code 1681 sub chapter 3 says rules of construction whole an interview with family friends and people who know me. I need to know who they verified it with. Every thing has to be 100 %  accurate her is my credit report please delete this accounts XXXX us  Bankruptcy court case or ID # XXXX and XXXX XXXX XXXX ID # 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This Is A Ongoing Dispute With TRANSUNION and XXXX XXXX XXXX ( Bank ) .there was a unauthorized hard inquiry placed on my credit report XX/XX/2023 from XXXX XXXX XXXX ( Bank ) and notified both the bank and Transunion , The bank as soon as I seen it, I talked to the banks fraud department and they determined that it was fraudulent and I was told I would receive a letter and transunion will be notified, I havent received the letterXXXX transunion reps told me they havent received anything either but now I cant contact a transunion rep, or use the app anymore and its been 90 days I always asked the bank to resend the information but I got hung up on, on two different occasions. They both said Ive reported the problem of the fraudulent inquiry. I didnt apply for anything and I dont plan to until fall

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 2021-11-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for COVID relief for my home mortgage in XXXX. At the same time my ex-husband, who is still on the mortgage filed for bankruptcy. I have been working wilth the Wells Fargo Preservation Group since XX/XX/XXXX to get the modification and getting my ex off the loan. 
I have been making all the loan payments since our divorce XXXX years ago. I signed and notarized an FHA Covid loan agreement on XX/XX/XXXX with a banker from Wells Fargo. I have been making the adjusted payment every month and today I have received a letter from Wells Fargo that they are foreclosing on my home. 

I have done everything that they have asked me to do. I have tried to email my home preservation assistants ( there have been at least XXXX different ones ) and I have not heard back from him since XX/XX/XXXX. I am so scared of losing my home because of Wells Fargo 's ineptitude and horrible 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 2020-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was locked by Chase on Friday, XX/XX/XXXX. I called first thing in the morning and was assured it would be unlocked. The day went by and still had not been unlocked. I called Chase again and was on hold for 3 hours before I was hung up on. By that time the department had closed for the weekend. Now, on Monday, XX/XX/XXXX, I have been on hold for over 2 hours when a 15 minute hold time was given. During this economic situation, a financial institution can not place holds on accounts and not pick up the phone when called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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 contact XXXX XXXX XX/XX/2020 I told them that this inquiry was not authorize.

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 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XXXX CLOSED Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX,. In your complaint, you indicate that an inaccurate account continues to report to your credit report. You are requesting the removal of the inaccurate item. According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your XXXX credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX, or visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 


I received the latest report, which the company sent Report # XXXX dated : XX/XX/XXXX The inaccurate information, which they have stated that they have removed is still there under Inquiries : CAP ONE NA - Address ID : XXXX Date XXXX Item is highlighted in the attached pdf file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do have many hard inquiries from companies that I do not recognize

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 2023-07-25
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
What happened is my problem is with chime bank! They are holding my money from me because they say no error occurred? The claim starts like this I was trying to get XXXX  on my TV. I could not get the form to come up and it did not.So a made a call to XXXX  about the form and the guy said no problem I will put it on your phone. The guy had access to my phone, while I was filling out the form he was going through my phone waiting for chime to send authorization for yes or no! And that is when he went into my account and wiped me out XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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 contact XXXX XXXX XX/XX/2020 I told them that this inquiry was not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the lawfully executed Attorney in Fact of my father. Via a signed notarized and witnessed durable POA. They denied the document during their " document review '' process and will not allow me access to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I went to XXXX XXXX to get a credit report and it say regular inquiries with ( CAPITAL ONE XXXX, VA XXXX ) and I do not recall doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Medical-Commercial Audit Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my XXXX credit report the collection agency file a collection notice for medical bills that have nothing to do with me. When I contacted them they stated they have nothing in their system for me and that this is result of XXXX reporting this onto the wrong person and there is nothing they can do. I requested a letter from them stating the same but they stated there is nothing they can do for me. XXXX stated I must get a letter in order to properly remove the items in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My Daughter had a car accident in which the car insurance decided to total the car out, the amount at the time was owed was XXXX XXXX XXXX cut a check in the amount of XXXX and the XXXX coverage sent a check out for XXXX and I just had made a payment of XXXX in XXXX, my total is XXXX within XXXX months. Now they are reporting account as late to credit making a negative report affecting my score it have dropped like XXXX points within XXXX weeks because of them making back to back reports in the same month. I co signed on the car with my Daughter and I am working hard to improve my credit, can they charge me interest on a car that was paid off and report to credit like they are doing. The car was due to be paid off in a couple more years and they got they money in advance due to the car accident and my Daughter is still without a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: WELLS FARGO & COMPANY
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Wells Fargo agreed on XX/XX/2020, at XXXX XXXX   CDT, on XXXX, to give me a XXXX interest-free payment deferral on a personal line of credit account, because I lost my job as a direct result of travel restrictions related to the XXXX pandemic. Despite this agreement, Wells Fargo continued to process the automatic payment from my checking account on XX/XX/XXXX, causing my account to overdraw. I am now left with no access to any cash. I called Wells Fargos customer service line, and am now on hold, have been on hold for 1 hour and 5 minutes, with XXXX callers ahead of you in queue, with an average hold time of 1 hour 38 minutes.

Regardless of whether I am able to resolve this problem on the current phone call with Wells Fargo, I still request the CFPB investigate Wells Fargo 's practices around COVID-19 deferrals, as either their negligence or their deceptive practice has put me ( and likely others, given the volume of callers on the PLOC customer service line ) into a desperate financial position at a very vulnerable moment.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The post office unable to deliver my mail to these wrong and inaccurate addresses and creditors are denying me credit due to these incorrect names and addresses. Furthermore I do not want to be acceptable to identity theft.

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 2023-06-05
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00}

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 2022-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022, {$680.00}, Account number XXXX - I received a letter from Portfolio Recovery today XX/XX/2022. I have notified Portfolio Recovery Associates , LLC several times that the account they purchased from XXXX XXXX Bank ( XXXX XXXX XXXX. is not my account. I have attached the letter that they sent me today along with the letter I received from XXXX XXXX Bank. The letter from XXXX XXXX Bank clearly states that " XXXX XXXX Bank conducted an investigation, and the account was permanently closed. You're not responsible for any balance that may be due on an account that we decided was opened through fraud. '' Consumer law - 15 U.S code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
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:
A XXXX  insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a XXXX  balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling Equifax and XXXX, being placed on hold, then disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have obtained a bill for a date of XX/XX/19 for {$180.00} from ARS. I had advised ARS that this is a XXXX XXXX claim and my workers comp adjuster has reached out to them several times prior for the bill with no response. I had advised this company several times. They were extremely rude yelling on the phone advising they dont need to reach out to my XXXX XXXX claim. advised that it is against the law if they do not collect from the right source. Also advised them they had reported it on my credit and they need to remove it from my credit as it is against the law especially for a XXXX XXXX claim. The representative advised they will not do that. I had advised that i can file suite if they do not remove from credit as i have tried several times to give them the sources to collect debt from the correct party and they refuse to take the information, the representative had hung up on me each time I called. I had called and left messages for supervisors with no response. I need this to be removed from my credit as well as the agency to reach out to XXXX XXXX as my adjuster had been waiting for the bill.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX # XXXX Issue 1 : XXXX has discontinued/stopped reporting all loan payments to the three credit bureaus, Experian, XXXX, and XXXX effective XX/XX/XXXX to current date under the primary borrower/payor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On or about XX/XX/XXXX, this mortgage has been sent to the XXXX XXXX XXXX XXXXXXXX due to the co-borrower, XXXX XXXX XXXX XXXX having included this in his bankruptcy filing. I, the primary borrower, am not and have never been in bankruptcy and have been the sole payer of the mortgage since our divorce in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX has not resided or paid the loan on the property of the Mortgage since XX/XX/XXXX. Outside of being the original borrower in XXXX, XXXX XXXX XXXX XXXX has nothing to do with this account. 

I am filing this complaint to enforce XXXX to re-instate the Mortgage reporting of timely monthly payments dating back to XX/XX/XXXX to current and beyond for the life of the mortgage for credit reports of XXXX XXXX XXXX XXXX at Experian, XXXX, and XXXX. 

Issue 2 : XXXX has stopped issuing monthly paper statements via mail or any electronic format for access to XXXX XXXX XXXX XXXX. I also have been shut-down from being able to log-in to access my XXXX mortgage for viewing the account, making payment, or any e-banking function otherwise. I emailed a Letter of Request for Reaffirmation/Reinstatement dated XXXX. In this letter I requested XXXX to correct/update the credit bureau reporting , allow me to have statements, and to regain online access to the account. 

On XX/XX/XXXX I received an email from the XXXX XXXX XXXX XXXX stating that since relief was granted ( I have no idea what that means, again ... I am not in bankruptcy nor have ever, so I don't understand terms ) That since relief was granted, XXXX is unable to remove the internet stop on this account. As such, the online payment option will not be available to me. 

I am filing this complaint to state that I feel my consumer rights are being violated by the refusal to access my own account by both a block on my account to access via online and by discontinuance of paper statements. Additionally XXXX should be reporting to the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Ph. 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