BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the Chrysler capitol on XX/XX/XXXX. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced an existing Wells Fargo mortgage through Wells Fargo. The process was problematic from shortly after the initial application. Our credit scores in the 800 's, we owe no debt besides the mortgage we were refinancing on our vacation home. We take great pride in our efforts to maintain a strong credit rating. Wells Fargo representatives rate from bad to worse, beginning with the loan mortgage consultant XXXX XXXX ( NMLSR ID XXXX ) continued with loan servicing agents XXXX XXXX and XXXX XXXX, through to closing attorney firm XXXX XXXX, XXXX. XXXX XXXX. 

Despite the poor service throughout, we held committed to closing this refinance loan. The last straws were the failure to deliver promised promotional gift card ( {$300.00} ) and more importantly Wells Fargo 's failure to provide reconciliation of misappropriated escrow funds in the amount of {$1700.00}. These two outstanding items represent the damages we seek resolution to.

My last attempt to resolve this was an email to Wells Fargo ( WF ) personnel including XXXX XXXX ( WF ), XXXX XXXX, XXXX, XXXX XXXX ( WF ), XXXX XXXX ( WF ), XXXX XXXX ( WF ), and XXXX XXXX ( WF ). The email was sent XXXX EST on Saturday XX/XX/2021 and as of this writing on Monday XX/XX/2021 at XXXX EST, we have received no response or acknowledgement to our request. 

Contacts we have reached out to in attempt for resolution : XXXX XXXX : T : ( 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 explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 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 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 2021-08-30
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 fraud alerts or security freezes

Complaint:
Experian on their own placed a security freeze on my account and I have demanded that they remove it. They refuse to do so and expect me to provide a PIN that I don't have. I will not jump through their stupid hoops to get something removed that should not have been placed there in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/NELN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL 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 2023-09-17
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX Account # XXXX I demand the above fore mentioned account be removed immediately. I have read from FTC XXXX CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should CLOSED. I also understand you have 30 days to complete this investigation. The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, in the Remarks field. XXXX should reflect in the XXXX XXXX days field. I demand these inaccuracies to be removed and updated 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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00}.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-05-04
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, I initiated 2 disputes with US Bank for services with XXXX XXXX XXXX XXXX and XXXX XXXX, respectively. The dispute of the rental car company charge was due to poor service, while the XXXX XXXX dispute was due to the airline 's failure to fulfill its advertised refund promise due to Covid. 

On both occasions, US Bank used up the full month processing time, only to choose not to pursue my disputes any further and instead send me correspondence stating that they choose to stay out of my dispute with the merchants named above. Given that I had already exhausted all attempts of connecting with these merchants, I thought the bank would fulfill its obligation to support me as a customer, but they had no interest in facilitating any discussions with the merchants on my behalf. 

On the other end, when US Bank had questions on a credit card payment I made ( money I paid the bank on my account ), they simply suspended my account without any notice whatsoever. I was left trying to use my card for several days, wondering why it kept getting declined. It took me multiple phone calls and hour long hold times to finally learn that the bank had suspended my credit card, simply because they could not verify the bank account I had used to pay my credit card bill. Yet, they had failed to call, or send a letter, text message, or email, to notify me about the suspension. 

I submitted my complaints to the bank, and have since closed all of my accounts, but I wanted to escalate my complaint by submitting it to the CFPB as well. 

Thank you, 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 2023-10-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
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 disputed incorrect information on my XXXX report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part. 

XXXX has REFUSED to reinvestigate my disputes even though in their letters it clearly states that I have the right to dispute the incorrect information on my report. Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their XXXX reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section. XXXX has refused to follow this law and reinvestigate the submitted dispute. I did contact XXXX by phone to understand these issues but the representative hang up the phone on me mid conversation. They also sent me a letter on XX/XX/2023 and 3 days later claimed that the letter was sent out by error in another letter. 

In accordance with the Fair Credit Reporting Act The accounts # XXXX/ACCT # : XXXX / XXXX and XXXX/ACCT # : XXXX / XXXX have violated my rights. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If XXXX can provide any exceptions to this section of the law then they shall provide me with a clear reasoning. 

I request color copies of my Identification including my Social Security Card used to open these account. 

If XXXX can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.

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 2021-08-30
Company: Experian Information Solutions Inc.
State: MI
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:
So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXX / XXXX  XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX / Exp XXXX XXXX XXXX XXXX XXXX XXXX / Experian XXXX XXXX XXXX / Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX  XXXX XXXX XXXX experian

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 2023-03-01
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: Personal information incorrect

Complaint:
On XXXX XXXX XXXX  I mailed a certified letter to Experian disputing several inaccuracies on my credit report and requested an investigation. I requested that they provide proof of verification documents retained in their files up to and including contracts or agreements with my wet signature as granted to me by 15 USC 1681g. I further requested that if they were unable to verify the information that it be promptly deleted as per FCRA 15 USC 1681i and attached a copy of my drivers license and social security card. 

By XX/XX/XXXX, I still had not received an update and submitted a XXXX dispute letter of my personal information and public record as I had learned Experian had lawsuit for incorrectly reporting residential information. Their report had XXXX addresses, XXXX social security numbers and XXXX name variations which I requested to be deleted. I also requested proof of verification of the public record/bankruptcy they were reporting for me. 
On XXXX XXXX XXXX  I received an email that my dispute was complete. They failed to provide any proof or documentation of the disputed items and simply attached " verified '' to the disputed items. 
On XXXX XXXX XXXX  I called and started a new dispute into the personal information including the XXXX addresses, name variations, phone numbers and social security numbers. I was advised the addresses with no credit account associated would be deleted in 24-72 hours and I asked to dispute the public record again with proof they verified with the Indiana XXXX XXXX 
Several hours later I received an email that the dispute was completed and they did not verify anything! In fact, they changed all of the disputed addresses to my current address but they remained attached to the address ID from the disputed addresses and never contacted the Indiana court to verify anything! 
I advised that I was affected by the XXXX data breach and it did not matter at all. After XXXX disputes, they continue to report unverified inaccurate 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 explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NY
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:
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. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 - {$2000.00} XX/XX/2021 - {$1500.00} I have contacted Chase Bank and they said they were unable to help in this matter due to it being a XXXX payment. I have called multiple times on this matter. They finally said I needed to contact XXXX to which XXXX states it only handles transactions made in their app, not through a banking app such as Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had 3 private XX/XX/XXXXloans from XXXX that were originally through XXXX XXXX. I was sued inXX/XX/XXXX Myself and my father were threatened with tax liens on my parents home and back account freezing which forced me to begin to pay the XXXX XXXX XXXX XXXX department to avoid harsh penalties. My husband lost his job leaving me unable to continue to pay the loans off. The collections agency continued to try and get payments but refused anything I offered saying it wouldn't be enough on the principle balance. I do not feel these loans should have legally been able to be collected in the first place due to the statue of limitations being reached but I was scared because of what I was being told. I eventually was able to settle and get a payment plan but only after I had to get a lawyer to communicate with XXXX and XXXX. The payments that were settled on were still very high, and I was able to squeeze payments out for about 2 years but when Covid hit my husband lost his job again. I do believe the initial loans were predatory to begin with as the XXXX XXXX accounts office only handed private XX/XX/XXXXloan information out for one bank. I was the first person in my family to go to college so our education on the financing piece was not great at that time. We were not given any support on understanding at that time. We were told that it was our only option if I wanted to go to school there. I am hoping that something can be done, since I do not feel the bank or collection agencies had a right to collect the payments to begin with.

Company response to consumer: Closed with explanation