BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: WELLS FARGO & COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is 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 explanation
Consumer complaint received 2023-08-09
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 2021-06-16
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
I LOOKED AT MY CREDIT REPORT TODAY, AND XXXX SHOWS FROM THE MORTGAGE COMPANY, PHH MY LAST PAYMENT WAS MADE ON XX/XX/2021 WHEN IN FACT THE LAST PAYMENT OF {$1900.00} WAS MADE ON XX/XX/2021. THE DATE OF THE UPDATE ON TRANSUNION IS XX/XX/2021. PLEASE HAVE PHH UPDATE ALL CREDIT REPORTS TO REFLECT MY XXXX  PAYMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Genesis FS Card Services, Inc.
State: AZ
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:
I had a credit card with this company previously three or so years ago. The account was settled around 2019. I recently contacted the company to ask why reporting was still on my credit report for activity for a settled account. I contacted the company requesting for the tradeline be removed in good faith since the account was settled. They state their policy would not allow them to remove any tradeline. I contacted the XXXX  asking to be contacted by the company regarding the situation and someone did so. Not sure the title or who they were but they called and basically said the same thing to me. Stating they report accurate information. As I informed them one of my cards was lost and it was still showing as two different accounts on my credit and they stated they could removed that account but they could not remove the settled account though it's not a remaining balance. I asked of the remarks for payments could at least be removed if they didn't want to remove the tradeline. They still stated no. So I basically paid the account in good faith for no reason. This company did not make it aware to me when settling I would not be able to remove the tradeline. This should have been stated. Also there is no reason to update the account of information when it has been closed. The lost or stolen card account shall be removed from my report if the other has still been showing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After I requested proof of debt the company continued to call. During XXXX call, within 30 days, I was threatened with harm to my credit score. I had not had a chance to review the documents that they said they had sent yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been 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 2021-06-14
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 my home was damaged by the derecho. My insurance company gave me 2 checks and listed my mortgage company ( Freedom Mortgage ) as a co signer of the checks. The first check for {$33000.00} ( siding damage ) was sent to Freedom Mortgage ( FM ) they endorsed it and returned it to me. The second check ( retaining wall ) for {$52000.00} was sent to Freedom Mortgage for endorsement, but instead they took the check and returned {$6500.00}. Giving me {$40000.00} to work with. 
At the time they assured me I could get the balance in 5 days with each 25 % of progress. 
The retaining wall was mostly complete of XX/XX/XXXX. I contacted FM They said they needed to send an inspector. It would take 5 work days. I reached out after the 5 days they had no idea what happened to the inspector, but I could send photos and they would accept that. 
Flash forward after calling several times a week usually spending more than 2 hours talking the Loss Draft Department. On XX/XX/XXXX the agreed to send a partial payment of {$11000.00}. TO prove they were going to send it they gave ma a tracking number for a XXXX  XXXX delivery. That envelope has not shilled yet. 
I discovered that they never requested the inspection, until XX/XX/XXXX. The inspector came out and said the work was 95 % complete. They sent that to FM. FM told me they did not believe the inspection report. 
Several more calls on XX/XX/XXXX, they said they were going to send me my full payment of XXXX $ XXXX. And, the same tracking number would be used. As of this morning, the envelope has not been shipped.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: TN
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-05-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I filed bankruptcy in XXXX XXXX XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX  they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.

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 2023-08-09
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:
There is incorrect information on my credit 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 explanation
Consumer complaint received 2021-06-17
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XXXX and XXXX I set up a payment transaction from Peoples United Bank checking account as I have for years to pay for a car loan installment and to pay IRS for taxes I owed. The bank did not put both transactions through. It could have resulted in late fee and negative report to the credit bureau. The IRS payment never went through and resulted in fact that the tax I owed was not paid by the due date. This was the banks error. Could have been deliberate, nobody knows. Both companies did not receive payment that was set up online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : XXXX, TransUnion, and XXXX, XXXX XXXXXXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score.

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately!

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, 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 2023-05-25
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 am requesting that you investigate and take necessary action to remove them from my credit 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 2020-06-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The bureaus are reporting a Bankruptcy on my credit file that is really old and past the credit reporting limit. Bankruptcy # XXXX. 

This account should no longer be on my credit and request the bureaus to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: VA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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 discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been banking with J.P. Morgan Chase for over 5 years. I have a personal checking and savings account and a business checking account with J.P. Morgan Chase. Currently, 98 % of my funds are with Chase and all of my business funds go into my Chase account. I opened a new business savings account on XX/XX/XXXX with J.P. Morgan Chase in XXXX, Texas. On XX/XX/XXXX I received a text message from J.P. Morgan Chase informing me that they had " reviewed your business account ending in XXXX and need more information from you. To avoid disruption to your business, please call us at XXXX or visit a branch by XX/XX/XXXX. '' I also received a couple of calls on that date from the banker that I worked with. I called back on XX/XX/XXXX and was informed that they needed a copy of my Driver 's License. I went into the branch on XX/XX/XXXX and turned in a copy of my license. Once turned in, the branch rep scanned it and returned it to me. After returning it, she casually asked about my social security card, which I did not have. She said she would check and see and they would let me know if anything else was needed. Later that day, I spoke with the banker and he let me know that compliance needed a copy of my Social Security Card. After discussion, he updated my address and told me that that may do the trick. I didn't hear anything else until today, XX/XX/XXXX when I went into the branch to make a deposit. While in the branch, I spoke with the banker who informed me that a copy of my SS card would still be needed. I informed them that I had lost the card and needed to request a new one. It would take 2 - 3 weeks for me to receive a new card, so I asked that I get an extension. Unfortunately, they were not able to provide an extension, but gave me a number to compliance. I reached out to compliance and they reinforced the XX/XX/XXXX deadline. They told me that there was nothing that they could do and that they have no choice but to comply with XXXX regulations. I informed the rep that I understood, but needed more time to obtain the document from Social Security. My attempts to get an extension were met with no understanding and now my funds will be frozen on XX/XX/XXXX and my account will be closed on XX/XX/XXXX if I am not able to submit the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband, XXXX XXXX, and I had a home mortgage ( I am not sure what kind of mortgage it was ) through Wells Fargo from XXXX - XXXX. I have seen information online that Wells Fargo is paying settlements to consumers who were harmed financially, due to a lawsuit that resulted in a {$3.00} XXXX settlement. I have contacted Wells Fargo and updated my contact information with them, but they were unable to talk to me over the phone about any payments we could potentially receive. I am looking for assistance in this process.

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 2021-06-17
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a co-signer with my son on 2 private loans for a diploma he received at XXXX ( between XXXX and XXXX ). The loans for approximately {$20000.00} are through Navient. I am currently paying interest only payments and have gone through several forebearances. He was never able to get a job with his degree as they claimed he would. Can we get these loans forgiven because of XXXX  false information about job placement?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Westcreek Financial
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Consumer Review Title : Warning : Unlawful Credit Practices at Koalafi I regret to share my recent negative experience with Koalafi, based at XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, UT, as they have significantly violated the Fair Credit Reporting Act ( FCRA ). 

During a recent credit application process, Koalafi denied my request for credit. This, in itself, is not the issue. The problem lies in their failure to provide specific reasons for this denial. Such behavior is a direct violation of the FCRA, specifically 15 U.S.C. 1681m ( a ), a law designed to ensure transparency and fair play in credit dealings.

The FCRA clearly mandates that if a credit application is denied, or if the terms offered are less favorable than those typically provided, the creditor ( in this case, Koalafi ) must offer clear, comprehensible reasons for their decision. Unfortunately, I received a simple notice of denial with no explanation whatsoever. This leaves me, and potentially other consumers, without any understanding or guidance on how to improve our credit standing with them in the future.

In response, I requested Koalafi to : Provide me with specific reasons for the denial of my credit application, as per the FCRA.

Confirm that they've implemented necessary processes to comply with the FCRA and to prevent such issues in the future.

Remember, failure to adhere to FCRA regulations can result in serious penalties for companies, including statutory damages, punitive damages, and attorney 's fees, as per 15 U.S.C. 1681n and o.

I am sharing my experience to alert potential customers of Koalafi 's violation. I hope that my review can help others make an informed decision. I am currently awaiting their response and resolution of this matter within 15 days from my initial complaint.

If I don't receive a satisfactory resolution, I am prepared to pursue further legal remedies. In the meantime, I would advise anyone considering applying for credit with Koalafi to be wary of their non-compliance with the FCRA, a critical consumer protection law.

Sincerely, XXXX

Company response to consumer: Closed with explanation