BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking number XXXX ) to EQUIFAX asking them to do a proper investigation and delete these erroneous accounts from my credit report : Account 1 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 2 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$3100.00} Account 3 : US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$3000.00} Account 4 : US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$1900.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account XXXX : U S DEPT OF EDXXXX XXXX XX/XX/XXXX {$11000.00} Account XXXX : XXXX XXXX  XXXX XX/XX/XXXX {$820.00} Account 8 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account XXXX : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 11 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$6700.00} They stated that these accounts were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and date last reported is not accurate. This is grounds for removal according to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

And to add insult to injury XXXX has also violated my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these credit bureaus written permission to furnish these accounts on my credit report. I am requesting that the CFPB hold these bureaus accountable according to the law and delete those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Financial Assistance Inc
State: LA
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:
My debit cards and personal information were used without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
This loan is from XXXX. I never got a court judgments etc I was unemployed for 2 years. I only started working again. Medication and my lap top were in car as well. I only got access to the vehicle as my ex husband had it. I reregistered it. I got no warning they opened the gate to get it - in a private drive way. Im begging for help. Again it was not an auto loan. They paid only partial off the XXXX XXXX loan. I also purchase insurance for the loan that if I suffered job loss or hardship it was covered. They refuse to provide me original loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My identity was stolen when I was a teenager. I got a credit card with XXXX XXXX department store. I can only get credit reports with XXXX, but not XXXX or Experian. I have repeatedly informed them of this problem. They think I am the fraudster. The lady that stole my identity was born in XX/XX/1957. When I got married and changed my last name from XXXX XXXX XXXX, I informed the Social Security Administration. The fraudster also changed her last name to XXXX as a result. Everyone keeps telling me that maybe I am the person using the incorrect Social Security number and maybe she is using her 's. My Social Security number was acquired for me by my parents when XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. I have never lived in XXXX nor XXXX XXXX or some of these other places. I have never had a credit card with a XXXX XXXX.I have never had phone service in the XXXX area code. I have never attempted to purchase a car at XXXX of XXXX. I am locked out of getting a copy of my credit report because the fraudster got herself locked in. When I went to get a copy of my Federal ID, the lady at the Tennessee Department of Motor Vehicles asked me if I had every lived in XXXX, which I had not. I would very much like to get copies, written, of my credit reports so I may report all false 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 2023-10-10
Company: EQUIFAX, INC.
State: AR
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:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
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:
XXXX continue too not help in this matter ive not had a chance card

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 2021-07-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My correct name is XXXX XXXX XXXX My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion should not be reporting a collection/chargeoff in the amount of {$7900.00} on the CHILDSUPPORT partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. XXXX  and XXXX  are reporting correctly. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2023-11-09
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been attempting to get my Direct Deposit since XX/XX/23. Due to an error within the ACH my paycheck was never deposited into my TRUIST account. I went to my local TRUIST branch for a third time today ( XX/XX/23 ) and spoke with XXXX XXXX to determine what the issue was. Keep in mind I have already spoken with my employer 's payroll department ( XXXX  ). I was advised by XXXX XXXX of XXXX that TRUIST did not return the deposit to XXXX for resubmission as ordered by The Federal Reserve. I was also advised from XXXX XXXX that the trace number for Truist ( can provide this number upon request ). Truist stands by their decision that the money was never received by them yet I have my paystub that indicates otherwise with the last digits of my Truist account number listed along with other paystubs that clearly show that I had not changed anything prior to this incident. I am seeking my lawfully earned wages that are being held illegally by Truist.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy?

According to : 15 U.S.C 1681 section 602 ( A ) States I have the right to privacy. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2021-04-06
Company: EnTrust Funding
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Entrust Funding sent a document that is mimicking what federal document as a scam to get you to call to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: MS
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I sold my corporate owned business on XX/XX/XXXX. My credit card processing company threatened me with {$490.00} cancellation fee, my actual processing fee of {$59.00}, {$20.00} fee, and an additional {$200.00} fine/fee. When we discussed this issue on the phone the lady I spoke with threatened me, that she would put this corporate bill on my personal credit report, basically extorting me out of my money. I paid the {$490.00} dollars even though it was not my personal debt for fear of her ruining my personal credit, which is exactly what she threatened to do. She said if you do not pay this today by XXXX I will ruin your credit score and it will drop into the 400 range and no one will ever loan you anything again. This happened on XX/XX/XXXX. I have the email of the company and of the individual that extorted a corporate bill, to use against me personally. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring

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 2023-11-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XXXX of 2023 I sent up automatic payments for my mortgage with Wells Fargo Home Mortgage. Providing bank statement to prove this. In XXXX of 2023 I received a letter from Wells Fargo Home Mortgage stating I was behind on my payments. I looked at my bank statement and see Automatic Home Mortgage payment XX/XX/XXXX of 2023. Auto payment was not made on XX/XX/2023. I did not stop the automatic payment. It looks like Wells Fargo stopped the automatic payment. I called Wells Fargo about this and they said I was never setup for auto payment. I then asked what does it mean then on my bank statement. Wells Fargo did not have an answer for me about what this means. I then went to the Attorneys Generals office of MN for some help. Wells Fargo responded and still maintains that I was not setup for automatic payments. Wells Fargo also is still avoiding to answer the question " What does it mean on my bank statement Auto Payment Wells Fargo Home Mortgage? '' What is even more concerning then is why did Wells Fargo Home Mortgage auto draft a payment if I was not setup for automatic payment according to Wells Fargo. I was making my payments early and so it does not show auto pay until I stopped making them early, which would be XXXX of 2023. Then the auto payment shows back up in XXXX of 2023. Then it looks like Wells Fargo decided to stop the auto payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i had a home mortgage with Wells Fargo and they did not approve a refinance for me and i subsequently sold my home as in a fire sale to have just enough to pay the loan and the broker commission. I recently read in an XXXX aticle of XX/XX/2023 which stated that Wells Fargo may owe me money from a multi XXXX dollar settlement. as i can not find anyway to contact a Wells Fargo representative, i am filing my complaint to you in the hopes of recovering some monies.

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 2021-12-07
Company: EQUIFAX, INC.
State: WA
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:
XX/XX/2021, XXXX alert that Equifax received an attempted ( Attempted Bank/Credit card inquiry ) inquiry about my credit score from XXXX XXXX XXXX  ( assuming XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX. This inquiry was blocked by my, self imposed, credit lock ( XXXX Credit lock ). I called XXXX XXXX and they denied any inquiry was made about me. 
XX/XX/2021, second XXXX  alert that showed an Equifax inquiry was made from same bank above and XXXX XXXX XXXX  XXXX XXXX got a copy of my Equifax credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. I again called XXXX XXXX bank and they again assured me they made no such inquiry and was instructed to call Equifax. 
I called Equifax and they confirmed the inquiry from XXXX XXXX Bank and i was then instructed to file a fraud report to the FTC and was redirected to this filing internet page. 
In order to remove the fraudulent/inadvertent inquiry I was instructed to send copy of this report back to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX UNKNOWN FURNISHER account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am not receiving my Marriott Bonvoy points from Chase to my Marriott Bonvoy account. I have contacted Chase and Marriott but neither one is able to assist me, Chase just says it is linked and you just have to check Marriott, but I would not be calling Chase if I had my points already. This has been going on for the past 2-3 months. I have contacted Marriott as well and they confirmed that the Chase card is not linked and would need to contact Chase to link it. We confirmed that the personal information, name, email, phone number all matches on both sides ( Chase and Marriott ). Every time I call Chase, they claim that it is escalated and has been resolved, but do not contact me of the resolution to confirm if it actually is resolved by me. I am missing over XXXX bonvoy points from chase and a free night award and the elite night credits as well. My statements end every 3rd of the month. I have not received any points since I opened my card in XXXX. I want my Chase Credit card to be linked to my Marriott account and all of my points, elite night credits and free night award to be transferred, if this can not be accomplished, I will need to cancel my card and my XXXX fee refunded as it would be pointless to keep. I also have an error message stating " We couldn't load your Marriott Bonvoy Benefits in the Chase Mobile App '', but the Chase representatives just ignore my concern. I have attached screenhots of my error message in the Chase Application and all of my Marriott Points earned in the past 6 months, which does not show the chase points. Everytime I call Chase Customer Service they say my Marriott Bonvoy number is linked and it is not, it does not show it in my Chase Mobile App.

Company response to consumer: Closed with explanation