BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Under 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Account XXXX & XXXX was deleted between XXXX XXXX XXXX, and XX/XX/, and you reinserted them between XXXX XXXX XXXX, and XX/XX/, without notifying me 5 days after this account is in violation.

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 2020-02-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with BMO Harris Bank on XX/XX/XXXX using a coupon I received from the bank for a promotion in which I needed to completed the three following offers to receive a bonus of {$700.00} total : Offer 1 Get a {$400.00} bonus when you open a checking account and complete the following activities within the first 120 days : Have a total of at least {$6000.00} in qualifying direct deposits, enroll in BMO Digital Banking and set up paperless statements, and make at least 10 qualifying electronic transactions.

Offer 2 Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days. 

Offer XXXX - Get a {$100.00} bonus when you open both accounts with your promo code! 

I followed the directions exactly as the email with the coupon directed and inserted my Promo Code XXXX ' into the box which should have prompted the website to open the two accounts associated to the promotion code. When I spoke with the BMO Harris Bank customer care person they confirmed that they had a problem with the link that was opening up the wrong type of account for 'Offer 2 ' above. It opened a 'Statement Savings ' account as opposed to the 'Platinum Money Market ' account it was supposed to have opened.

I called when I noticed the account type didn't reflect the promotion to alert them of the error on their end. The customer service agent said they weren't able to modify the account type, but I should keep the {$10000.00} in the account and call after 90 days to receive the additional {$200.00} for completing Offer # 2 and {$100.00} for completing Offer # 3 above. When I called on multiple occasions they were unable to honor their promotion and as of today, XX/XX/XXXX, I have only received {$400.00} total of the {$700.00} I was supposed to receive.

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 2019-01-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
continuation of complaint-XXXX-XXXX. To date this issue has not been solved. five yrs ago a court issued a directive on the acct of my mother, XXXX XXXX. JP MORGANCHASE has issued one demand after another which have been complied with-on XX/XX/18 chks were supposedly sent out-to wrong address. instead of just sending them to correct address nmore forms more demands. we had to notorize documents to stop payment on chks yet yesterday Chase finally admitted they had chks. so why more forms??? just to delay paying out acct-delay delay delay and we have XXXX State Senator XXXX XXXX helping us and weve reached out to US Senatpor XXXX XXXX.Seems incredible that this is still dragging on. no matter what we do there are always more demands bringing ever more delays.As they are speaking to us at Chase_XXXX-they chg the demands. as my brother told her yesterday the goal post chgs we speak but we are supposed to just keep compling. we need help desperately. this has gone on almost 5 yrs-with a court order-will it go on 5 yrs more??? my brother and i cant believe how inhumane and inhuman we have been treated-both of us feel sick medically and XXXX. pls help us resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: MD
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 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 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 2023-12-08
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:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


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 2023-12-08
Company: Experian Information Solutions Inc.
State: OR
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 hope this letter finds you well. I am writing to request the removal of late payments from my credit report. After reviewing my credit report, I noticed that there are late payment entries for XXXX XXXX XXXX on XXXX to XX/XX/2018. 

I understand the importance of maintaining a positive credit history, and I take my financial responsibilities seriously. I encountered difficulties in making timely payments for the aforementioned period. However, I have since taken steps to rectify the situation and ensure that my payments are made promptly. 

XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service I am committed to maintaining a positive credit history, and I appreciate your understanding and assistance in this matter. If you require any further information or documentation, please do not hesitate to contact me.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2023-01-13
Company: EQUIFAX, 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 sent in a Dispute to EQUIFAX on XX/XX/2022. I alerted the CFPB, that the Investigation took longer than the Recommended and REQUIRED 30 DAYS ALLOWED by FEDERAL LAW. 

I've Received a Notice from Equifax stating : " We've added a promotional suppression to your Credit File '' Then turns around and relay : " We Can not LOCATE your CREDIT FILE. '' They ARE IN VIOLATION of my FEDERAL RIGHTS as a Consumer. 

15 U.S. Code 1681i - ( B ) - Procedure in case of disputed accuracy 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: VT
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 These accounts have 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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Clarity Services
State: TX
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 have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, at XXXX, I received a text from Wells Fargo Bank Fraud Dept asking if I had made a XXXX transfer for {$1000.00} to XXXX XXXX. I replied no. The message said a customer service representative would contact me soon. Shortly thereafter, I received a call from the Wells Fargo number on the back of my debit card. 
The person told me that money was scheduled to be transferred from my account to XXXX XXXX and I needed to go into XXXX to put the money back into my account. I questioned this but since I had never used XXXX and was somewhat panicked, I went into XXXX and proceeded to enter my phone number as directed. A scam notification came up and the caller said he had just put that on the page to stop any scams. 
He said we would do {$500.00} first and then we would do the other {$500.00}. When I hesitated, he told me to check the number on the back of my card. Thinking this was someone from Wells Fargo, I entered the amount. 
At this time, I asked if he could hold for a moment. I called my husband, who is a retired Wells Fargo employee, on my landline and just as I started to talk, the caller hung up from my cell phone. My husband came in and we immediately called the Wells Fargo number to report the scam. 
We were told that it would take 10 days to be resolved. 
Ive called several times only to be told after 10 days that the recipient institution had been contacted asking for a refund. On XX/XX/XXXX, I was told the claim had been denied and closed but could be sent to an escalation process. A customer service representative asked if I wanted to talk to someone in the executive office. I held for over an hour only to find out that the office had closed for the day. The following day, I spoke to someone in the executive office who asked me what did the original claim rep tell me about the provisional credit. I told him I wasnt offered it and he said he had no authority to give me a provisional credit or refund my money and that I should be receiving a letter in the mail. I have spoken to so many different people and all have transferred to someone else that I had to explain over and over what took 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 2018-09-07
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed and had notorized on XX/XX/18 loan modification papers from XXXX with new interest rate of 7.6 %, with monthly mortgage payments of {$990.00}, for 300 payments that became effective XX/XX/18 ; with signed and notorized agreement by XXXX XXXX from the company of XX/XX/18. I submitted an electronic payment of {$990.00} on XX/XX/18. I received notice that the loan had been sold to SN Servicing Corporation with payments to be sent to : SN Servicing Corporation, Payments, XXXX. XXXX XXXX, XXXX, TX XXXX. I submitted an electronic payment on XX/XX/18 of {$990.00} to that address. I would like assurance that the modification agreement I signed on XX/XX/18 is still in effect with no changes. In the notification letter from SN Servicing the address for questions is : SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX and the letter also stated the owner of the loan belongs to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, LA XXXX ; XXXX. I sent an original of this document on XX/XX/18 ; but it would not go through to the address of the owner of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When I added XXXX $ New money I was told by the Wells Fargo banker that that qualified me for a higher interest rate.. I was never told that I need to deposit {$25.00}, XXXX Never told!! If that were the case I could have come up with the additional funds!! But the banker told me {$22000.00} was all I needed for the higher interest rate .. now the bank is Lying to you and you are believing them!!! That is sad as you should protect the public. Wells Fargo has deceptive bank practices and you are not protecting the public from them!! I was promised additional interest with the {$22000.00} deposit as the banker promised me!! Nothing was said that a {$25000.00} deposit was needed never said!! They promised me the higher interest and I opened a new XXXX account!! Had I known they were lying to me in order to get me to open a new account I would have never opened it!! I have started to pull my funds out of this deceptive bank, now you need to do your job and stop them from promising customers higher interest and then not giving it!! 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 monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: CA
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:
Please see attached below in which I have no knowledge nor gave consent for this account in which Im reporting as identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: PRESTIGE FINANCIAL SERVICES INC
State: TN
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 have receive fraudulent reports via my XXXX report regarding Vehicles I didnt authorize my credit to be pulled or check bringing my credit down numerous points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I want these inquires to be deleted. I did not authorize these companies to run my credit. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Called my work number saying they are on a recorded line looking for XXXX somebody. Did not identify who they were. There is no XXXX. I called back and they answer as XXXX XXXX XXXX XXXX which is a debt collection agency. They had no business calling my number in the first place without properly identifying this XXXX person they are looking for. I get spam texts frequently to XXXX so I think they are selling my number for more robocalls and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management continues to call my phone multiple times per day despite being informed I am not the original owner of the cell number XXXX XXXX XXXX. I do not and can not know the original owner. 

I continue to get daily phone calls from them despite having no current debts of any kind. Mortgage, medical, or otherwise. Informing them I am the new holder of this cell number has likewise not worked.

Company response to consumer: Closed with non-monetary relief