BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: WELLS FARGO & COMPANY
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:
We refinanced our home at the end of XX/XX/XXXX. Wells Fargo Home Mortgage bought the note. We made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Despite numerous attempts to get Wells Fargo Home Mortgage to report our payments to the credit reporting agencies, they still refuse. The only payment that shows up is the XXXX payment and that is because I filed a formal dispute. The report shows that Wells Fargo is saying our account is in forebearance until XX/XX/XXXX, which is not true. Our credit scores dropped over 75 points because it looks like we have not had a home or payment for five months.

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 2023-10-19
Company: Experian Information Solutions Inc.
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-07-22
Company: EQUIFAX, INC.
State: NM
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Bridgecrest Acceptance Corporation
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: Problem with personal statement of dispute

Complaint:
Im a service connected veteran I lost my job two years ago once I lost my job I made partial payments to Bridgecrest ( XXXX ) once I received a increase for my XXXX I caught my car payment up and set my payments on auto pay. XXXX has 16 inaccurate late payments on my report. I raised my score 160 points less than six months on my own however these late payments are affecting me personally and my score tremendously. I should have a 700-750 credit score but the late payments is causing my score to stay low. I have 30 days to move out of military housing and I cant rent nor purchase a home with my va loan due to the inaccurate late payments. I sent numerous goodwill letters pleading for forgiveness explaining what caused me to fall behind and My request was denied because my address wasnt updated. BRIDGECREST ( XXXX ) didnt update my address when I personally called to do so. I am currently caught up on my payments and will continue Lets me be clear every month I made a payment however its reported I didnt pay at all. My car payment is {$450.00} a month I only receive XXXX and just about every month my car is in the shop. I explained to Bridgecrest my issues but they wont help. Im currently fighting XXXX  XXXX due to BRIDGECREST IM IN DESPERATE NEED TO HAVE THESE LATE PAYMENTS DELETED FROM MY REPORT. I pay {$450.00} for a car that has over XXXX miles I cant trade it in nor can I refinance. Im in desperate need please 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 explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
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:
The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a XXXX balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by COVID-19. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section 4021 of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with XXXX, XXXX, or Experian and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.

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 2018-04-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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 am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX DATE : XX/XX/2015

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 2022-12-20
Company: Vehicle Solutions Corp
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 status incorrect

Complaint:
I had a voluntary report in XX/XX/XXXX. Vehicle Solutions Corp took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local DMV to determine if the truck was still registered to me. It was later determined by a VIN search that Vehicle Solutions Corp Sold the truck on XXXX and registered in North Carolina. I immediately contacted Vehicle Solutions and reported what I have learned. XXXX Vehicle Solutions representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Account status incorrect

Complaint:
I ordered a copy of my report last XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account, I believe it was reporting in error. 

XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-07-24
Company: EQUIFAX, INC.
State: MI
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:
The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a XXXX balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by XXXX. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section 4021 of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with XXXX, Equifax, or XXXX and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: LA
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 reviewed my consumer reports and noticed that I have some late payments on an account that I was never late for. Consumer reporting agencies have assumed vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I havent been late on my on payments for the account ( XXXX XXXX XXXX, account number XXXX & XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be upgraded to on time as they should be as I was NEVER Late. Thanks

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 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened my CapitalOne SavorOne credit card account in XX/XX/2019. When I applied online, the CapitalOne website offered me a new card member offer which stated : Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening Further, it also offered me 0 % APR for 15 months and it stated : 0 % intro APR for 15 months ; 15.49 % - 25.49 % variable APR after that When I got accepted, the website said congratulations you are approved and your card will be delivered. I have not been given the cash bonus after spending {$500.00} within the first three months and I am also being charged interest on my purchases. I have different terms and conditions agreement than what was represented to me when I applied for the credit card. 

I called the company and asked them why do I have different terms and conditions? They said we did not approve you for what was advertised. And I asked them why was I not notified about change in terms and conditions? The guy said we are sorry but we can't do anything now. Its just a small interest amount so pay it otherwise we might report you. 

I have been trying to resolve this issue and one of the CapitalOne customer service agents agreed that this might be false representation on our side. So he opened a case for my complaint. The application department got back to me and said there is nothing we can do, it is above than my powers and we will not accommodate you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-07-24
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Please stop calling my relatives and friends about my student loans. I need them combined and help with them. I was granted forbearance and they still said I was late in 2018 and are ruining my credit. I need all the old accounts off!! They are 20+ years old, I need the 3 that have balances to be combined. I need help paying them off, Covid hit my family hard and I can not afford to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
There are so many student loans on my credit report and they need to be deleted, they are 20+ years old, please delete them. 

There are a few that say they were late, they were never late. I applied for forbearance and was granted it every time. I need all those consolidated and I keep getting harassed about them and my parents do as well. I need them all of the deleted and the 3 left combined. I need help, I cant get a home loan with these on here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted dispute to you and I didnt get a response with in 30 days and youll are required by law to do so please investigate my dispute, please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted dispute to you and I didnt get a response with in 30 days and youll are required by law to do so please investigate my dispute, please. Thank you

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I do not recognize these credit inquiries and i have asked for them to removed and the bureaus did not do as i asked i am providing a identity theft report and i am requesting them to be removed because they are inaccurate and not mines. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed a account for XXXX XXXX through Experian and I received report number and was gave a number to call to review the dispute. The lady I spoke to knew nothing about the dispute and I explained to her that it was done and I have the report number and I also attached my discharge papers with it. She still asked if I want to file a new one and I went ahead and did that because she kept arguing with me that I did not file a dispute because it wasnt showing and she wanted nothing to do with the report number I had also that was gave to me through Experian. This has us on hold with our mortgage company and Im upset because she didnt want anything to do with the report number the company gave me to use when I called them

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