BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am exercising those rights to ensure the accuracy of my credit information. I kindly request the prompt removal of the inaccurate late payment information from my credit report, as it is adversely affecting my credit score and overall financial standing.

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 2023-08-22
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX Line of Credit Contract Number XXXX is missing payment history information and the balance owed is incorrect. 

The payment history should be updated and the actual balance remaining should reflect XXXX. 

II. My address should also be updated to reflect XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I mailed in the address request XX/XX/2023 and it is not reflected in the system with any of the credit bureaus.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: MA
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:
Dear [ CFBP ], I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my disputed XXXX XXXX XXXX and XXXX XXXX accounts. I have repeatedly disputed these accounts on various dates, including XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX. 

To my dismay, despite my efforts to rectify the situation, Experian, the credit reporting agency, has put both accounts back on my credit report without any prior notification. This is highly concerning as it directly undermines the accuracy and integrity of my credit history. 

It is important to note that XXXX was successfully deleted from my report on XX/XX/XXXX, and XXXX was likewise removed on XX/XX/XXXX. Having provided Experian with all the necessary documentation to support my claims and ensure the removal of these accounts, I find it deeply troubling that they have been reinstated without any valid reason or explanation. 

I kindly request your intervention in this matter. I believe it is crucial for the CFBP to be aware of these unfair practices, as they not only affect my personal financial standing but also potentially harm other individuals who may be facing similar situations. 

I urge the CFBP to thoroughly investigate this matter and ensure that Experian adheres to the highest standards of accuracy and accountability when handling consumer credit information. Additionally, I kindly request that Experian be instructed to promptly remove the disputed XXXX XXXX XXXX and XXXX XXXX accounts from my credit report, given the evidence and documentation I have already provided. 

Thank you for your attention to this matter. I trust that the CFBP will address this issue with the utmost urgency and provide a fair resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-01-02
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX using my Barclay Card ending in XXXX. I received the wig on XXXX  XX/XX/XXXX via XXXX XXXX. Upon receipt of the merchandise I instantly noticed that the merchandise I received was nothing like the pictures that were advertised. The XXXX  was supposed to be a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX  I received was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX is also not XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', but rather XXXX '' in length. I attempted to contact the merchant numerous times to speak to them about a refund and they refused to respond. After several attempts they went as far as to block me so that I could no longer attempt communication with them by either instant messaging or by social media. Thereby, I filed a dispute with Barclay Card in the hopes they could resolve the issue and get me my money back as I was clearly a victim of an online scam. Barclay card sent me a letter dated XX/XX/XXXX notifying me that they had received my dispute and that they would be investigating. On XX/XX/XXXX I contacted Barclay Card by telephone as I had not received an update and I had not received a provisional credit on my credit card for my dispute. I spoke to a customer service representative to transferred me to someone in the dispute department. When I spoke to the gentleman in the dispute department I requested an update on my dispute and also to provide me with an estimated time frame in which I could expect a provisional credit. I was informed that they had been unable to reach the merchant as well and that they would issue me a provisional credit. That has not happened to date ( XX/XX/XXXX ). In fact, not only have they failed to provide me with a provisional credit but they have removed my credit history with them on my credit report which has impacted my credit score negatively and caused my credit score to drop by over XXXX  points. I have been a Barclay Card customer for XXXX  years and their deletion of my credit line has injured me financially as it has reduced my credit scorXXXX. They have also failed to issue me a provisional credit or update me on the status of my dispute. I have been mislead and treated in an Unfair, Deceptive and Abusive manner and have been harmed financially as a result of their failure to act prudently and within my consumer protection rights.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states 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 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 2024-01-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2023 I received a cashiers check in the mail from Wells Fargo with a letter stating I was overcharged for foreclosure fees from a home I owned with my ex husband about 10 years prior. On XX/XX/2023 I called the number on the letter to advise the check was made out to myself and my ex husband who I lost total contact with after our divorce 6 or 7  years ago and can not cash the check without both of us.The check amount was for XXXX. They told me to send them copies of my divorce and a letter explaining my problem with the check and I ask if they could resend half of the amount separately to myself and my ex. They advised me that once my info was received they would attempt to contact my ex and he has 30 days to reply if he doesn't they would re issue a check just to myself. 
I did not receive any call or correspondence for over 30 days so on XX/XX/2023 I called again and spoke to XXXX. She told me that she spoke to her supervisor who said my ex did not respond and they would reissue a check to myself or my ex making it possible for me to deposit without his signature.she said it can take up to 30 days to receive check. 
On XX/XX/2023 I called to check the status and I spoke to XXXX who advised that the check was mailed I should receive by XX/XX/XXXX. 
Called again on XX/XX/XXXX spoke with XXXX XXXX Said if I don't receive in couple days call back. On XX/XX/XXXX and spoke to a supervisor who said. Whatever i was told in past calls was wrong my exes power of attorney did reply and therefore they will not resend a new check. And on there end the case was closed satisfactorily. 
I received absolutely no documentation explaining and of this from Wells Fargo no matter who I called I did not get a call back On XX/XX/XXXX I received another check from Wells Fargo fir XXXX with same foreclosure overpayment letter. However this check said myself or my ex husband therfore I can deposit. 
I called and asked for a supervisor and XXXX XXXX got on phone. XXXX. He told me the XXXX new check was in addition to the prior check. He also told me that the case was closed. When I complained about not receiving and help or info about the matter and being unable to deposit the first check he promised me he would investigate the entire complaint and get back to me.after XX/XX/XXXX I received no reply from him so on XX/XX/XXXX I called left a voicemail no reply called again XX/XX/XXXX left voicemail XXXX reply. It seems nobody will return my calls I don't know which of the above is telling the truth I still have both checks please help me in this matter. 
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 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN XXXX XXXX  I FILED A XXXX XXXX DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-01-16
Company: Westlake Services, LLC
State: NC
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:
N accourdance with The Fair Credit Reporting Act XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states i have the right to privacy. 15 USC 1681 section ( a ) It also states a consumer report agency can not furnish a account without 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 explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-01-10
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
i have been trying to pay XXXX cause thats all i have left on loan but you guys are not allowing me to update my bank info everytime i give my info its saying i cant make my primary account which i dont know why so can you guys just give me the address so i can send it in money order cause you guys app XXXX so all i need is a address i have 18 days before this account is default and im already getting late payments for this XXXX when i have been trying to pay for months i moved and everything

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, I obtained a mortgage security for XXXX XXXX XXXX, XXXX, Georgia, using my VA eligibility certificate. Unfortunately, around XXXX, I was wrongly foreclosed upon, and my case was included in a federal class-action lawsuit against SunTrust, where they were found guilty of mortgage fraud. Due to the class-action nature, I only received {$320.00} as compensation. Consequently, I became a homeless XXXX veteran, suffering from XXXX and XXXX issues as a result of the ordeal. I was informed that my entitlement would be restored, but I received no notices from SunTrust or the Veterans Affairs Regional Loan Processing Office. 

In XX/XX/XXXX, when attempting to retrieve my certificate for a transaction, I discovered that it was never restored. This not only left me liable to the VA for a repayment of {$36000.00} but also prevented me from using my entitlement to purchase a home. I contacted the VA over the phone and reported the issue to the representative in the regional loan office, but no action has been taken to investigate. I then sent certified mail to the Veterans Affairs Loan Processing Center requesting an investigation. Although the agent in their office signed for the mail on XX/XX/XXXX, I have yet to receive a response. 

The loan number is XXXX, and XXXX XXXX XXXX the Loan Specialist notified, has not responded to my request for an investigation into why I wasn't notified to correct this issue back in XXXX or whether SunTrust is still involved in securities fraud. They sold and traded that mortgage, probably continuing such activities, while taking away my entitlement, constituting securities fraud. I only received {$320.00} from the traumatic event, assuming that my entitlement was restored. I am seeking justice and an investigation into this matter. The contact information provided is no longer valid : ( XXXX ) XXXX. 
XXXX Claims Administrator National SunTrust Settlement Administrator XXXX XXXX It is unclear who to seek damages from for securities fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have previously sent multiple letters XXXX XXXX XXXX requesting validation and verification of a bankruptcy  on my report. According to 15 USC 1681 accuracy and fairness of credit reporting! Consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer, credit personnel, insurance, and other information in a manner which is fair and equitable to the consumer with regards to confidentiality accuracy, relevancy and proper utilization of such information in accordance with the requirements of that chapter. Also, transaction and experiences between a consumer and a person making the report shall not be reported. Any payment history, ultilization, history, status, remarks, limit and balance are all part of transaction and experiences so it should be deleted per federal definition of consumer report! 
I have yet to receive any validation or verification of this bankruptcy. I have personally contacted the us bankruptcy court and they DO NOT report to any credit reporting agencies. Per 15 USC 1692j it is unlawful to design, compile and furnish. Any form knowing that such form would be used to create the false belief in a consumer, that a person other than the creditor of such consumer, is participating in the collection of or in an attempt to collect a debt such, consumer allegedly owes such creditor. When in fact such person is not participating. Consumer reporting agencies must delete inaccurate, incomplete or unverifiable information.

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 2024-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/2024 a new bank account was opened USAA without my consent using my social security number. Called the company on XX/XX/2024 when notified via XXXX  that an account was opened using my social security number they have reported it to their fraud department. Waiting for information regarding the account being closed and for further activity.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 inquiries below does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI

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