BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : XXXX, Trans Union, and XXXX  have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score,  inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$500.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX : {$660.00} XXXX XXXXXXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}

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 2017-07-19
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with  XXXX  that was charged off on  XX/XX/XXXX .
Since  XXXX  it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX  I called  XXXX  and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX   He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I took 3 month vacations on XX/XX/XXXX, when I back to XXXX on XX/XX/XXXX, when I login in my account, my account is disable, I cant even login in my account! Then next day I called chase bank, they told me my account its been shut down, I ask them why? They been told me they can closed my account for any reason any time! 
Im so confused, I have not do anything, why they closed my account! I feel so sad, I really wan na know why they closed my account! I have one personal account, the other one is join account, I was open with my gf toghter! please help me find out why they closed my account! Thats really ridiculous, I did not do anything wrong why they do it! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Bridgecrest Acceptance Corporation
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:
Between XXXX XXXX XXXX my XXXX XXXX was stolen from my driveway while I was away for business. I filed a police report and made a claim with my insurance company XXXX. My car was deemed a total loss after law enforcement and the insurance company investigation. The lienholder Bridgecrest was made aware of the vehicle being a total loss. On XX/XX/2023 XXXX sent a check to Bridgecrest for {$21000.00}. I spoke with Bridgecrest in XXXX about a week after the check was mailed. They confirmed they had the check but needed to speak with XXXX. I made contact with my agent from XXXX, XXXX XXXX ( XXXX ) XXXX who said she would speak with Bridgecrest. XXXX XXXX confirmed with me about ( 2 ) days later she had spoken with Bridgecrest. I then called Bridgecrest again ( towards the end of XXXX ) and they still refused to deposit the check to my account. By this time they have listed my account 60 days negative to all credit bureaus. 

I attempted to dispute this with the bureaus but they all ruled in favor of Bridgcrest and informed me to open a claim with you. I have tried working with the lienholder but every time I call I get a different lie on why they have not applied the check towards my car. My credit score has dropped over XXXX  points and now showing 90 days passed due. This has caused me denials with recent credit transitions and my current job is now reviewing my credit. 

I've attached what XXXX shared with me as proof of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When I go in to make a payment on  XXXX  their chip was not working they told me I do n't have the fun in my other bank I ask the bank manger to call of to credit union, he call they said the fun was available we try again Wells Fargo bank my card will not clear, I went over to Credit union to get cash for payment Wells Fargo why is fun not clear, she said Wells Fargo not show up in system walk in a mouth later Wells Fargo, I was told their having problems with card chip and this was going on for pass 6 mouth. I 'm one payment late so I started make extra payment of  XXXX  but I notice when receipt print out it show   XXXX   my payment is  XXXX  I ask if the payment is toward aback payment why cant it say on the receipt, because you charge a late fee every mouth   XXXX   because I retire   XXXX   an I make a payment on   XXXX   each mouth my concern is the extra  XXXX  turn into service charge. in   XXXX   I walk in Wells Fargo to make a payment I told by the bank their do n't have enough room to make Two payment I call Well Fargo mortgage what do, no response I receive a call from Well Fargo mortgage say you do n't have to make a extra payment of   XXXX   keep until you get  XXXX . this is getting out of control I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested numerous times in writing and via phone that I want to receive my statements. I received them for a short while but as soon as I switched to paperless I no longer have access. I am trying to refinance and leave this nightmare company and just need a copy of my most recent statement. Hey will not give me one unless I submit in writing again to their research department a request to receive statements. They said it will then take 30 days for a response. All because of a bankruptcy flag from 6 years ago before I was even with t hem ( th ey purchased my loan from  XXXX   ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
Navy Federal credit Union offers a dashboard for members to view their credit report via XXXX. The dashboard is called XXXX XXXX confidence.XXXX XXXX  confidence is not providing accurate information or credit score ratings that reflects XXXX information on my credit report. 


I reached out to Navy Federal no one has knowledge of how to fix the problem. I spoke with XXXX and they have all updated information. Navy Federal is using fraudulent data and not updating information causing credit scores to appear low and not removing account that have been paid off to prevent people from having qualified applications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/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 2023-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX. Please remove these accounts ASAP.

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 2023-08-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 capital one # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

94

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
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:
I am filing this complaint because I'm going through a really stressful time due to Wells Fargo 's actions. Wells Fargo committed multiples violations inconsistent reporting across bureaus, I disputed and they failed to mark the account as disputed. I filed an arbitration case against Wells Fargo, who is reporting the account involved in this matter. Wells Fargo has refused to arbitrate the matter thereby violating the contractual agreement. Now the XXXX XXXX XXXX tells me that Wells Fargo didnt pay their fees and American XXXX XXXX XXXX the case. So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the XXXX proof in which they give details of the case.

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 2017-07-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from my employer that I was having my wages garnished from Midland Funding LLC.
I do n't know who this company is or who they represent as this is a collection company.
This legal notice says, " The total amount due is {$5200.00} for a judgment that was entered on  XXXX - XXXX -09.
I never received a notice of Judgment in 2009. I do n't know who the original creditor is.
I asked for records from Midland Funding as to who the original creditor was, they were not able to give me this information.
I want this wage garnishment stopped.
I do n't owe any money to this collection company.
I would like a copy of my original contract from the original creditor showing I actually owe this kind of money from 7 years ago and later.
The statued of Limitations is up on a debt this old, as well as a " Timed Barred Debt '' according to this States Attorney Generals office.
How can a company I do n't know garnish my wages without me knowing about it.
I do n't own this money and want this Judgment removed from all of my credit reports if it is on them, as I do n't see this.
I want this wage garnishment stopped immediately before any month is taken from my paycheck. If money has been taken by the time this letter reaches you, I want all refund of moneys paid.
This is wrong collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX XXXX Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XX/XX/XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5  years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

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 2017-07-19
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited   XXXX   XXXX   XXXX   of   XXXX   Tx. I was told all services were covered under my insurance plan. I received a bill and requested the bill be resubmitted to my Ins..
I did not hear back and forgot about the matter. I am in the process to buying a home, my lender informed me i owed {$320.00} and i paid that amount to United Revenue Corp   XXXX   XXXX   XXXX   XXXX    XXXX  TX  XXXX .. I asked United Revenue to provide a Deletion letter to provide my lender that must include Account number, the amount paid, and that the debt is ok to remove from my credit report. This is a standard form and my lender assures me United Revenue is well aware of this form.
I was told they could not provide that letter, that letter comes from an out of state office, i was assured the out of state office would send this with in 10 to 15 business days.
We waited and received a letter but did not contain what was requested. My wife called and expained a second time what we need and was told the first request was deleted. but was assured United Revenue resubmit the request and we would again have to wait the 10 to 15 days. This is holding up our loan process, we paid the amount owed and feel with the attitude we receive when contacting United Revenue they feel as if to punish us in some way and will not provide what we ask. Even though we have paid the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation