BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 

-these inquiries are not results on any actions on my part and are fraudulent

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 2022-12-21
Company: ERC
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: Investigation took more than 30 days

Complaint:
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Both XXXX accounts are paid and need to be deleted from the report.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NJ
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:
Consumer law 15usc b ( 1 ) and ( 2 ) stats and under equal opportunity and fair credit act that my credit score should be a XXXX do to false credit and illegal reports, which is holding me and my family and business back to be successful and skill further in life, ,.equal opportunity act and fair credit act means and stats that my credit score should rapid rescore up by XXXX points, ,as well as my losing money to pay for credit repair to XXXX and equifax,, , I request and demand my score to be XXXX or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to the case - XXXX, which was closed unsatisfactorily. The letter from XXXX XXXX on XX/XX/XXXX on page -1 states that " Notices were sent to allow you sufficient time to secure coverage on your property ''. I don't believe any notices were sent in year XXXX. Wells Fargo failed to notify or forewarn the consumer on lapse of the home insurance and placed a forced insurance in XXXX, which was three times more than the prevailing rate at that time.Wells Fargo mortgage lending practice has been nothing but unfair and unethical. I am deeply unsatisfied how Wells Fargo ' customer service addressed my complaint. They failed to bring a satisfactory resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing to formally dispute and request rectification for the adverse actions taken by Capital One on my credit account, specifically the reduction of my credit limit from {$4200.00} to {$2000.00}. This dispute arises from events surrounding the erroneous reporting of a 30-day late notice, and subsequent actions taken by Capital One based on this misinformation. 

On XX/XX/, I was alerted by XXXX, a third-party credit monitoring service, about a change in my credit file. According to the notification, a creditor reported a 30-day late notice, prompting Capital One to decrease my credit limit. After confirming this with Capital One customer service, I promptly contacted the credit bureau to dispute the error, and the correction was made on XX/XX/, resulting in an XXXX increase in my credit score. 

Subsequently, on XX/XX/, XXXX  reported an 80 % utilization ratio based on the new credit limit of {$2000.00}, despite my balance being {$1600.00}. I contacted Capital One customer service to rectify this, explaining that the credit limit reduction was a reactionary measure based on incorrect information. I was informed that to restore my original credit limit, I needed to reapply for a credit increase. I find this process unfair, as the initial credit limit reduction was a consequence of an error on an unrelated account, which has since been corrected and updated in my credit report. 

Despite my efforts, Capital One has refused to correct this unjust reduction. On XX/XX/, I received a letter from Capital One requesting me to call customer service regarding the dispute letter I previously submitted. Upon calling, I was informed that I am still reported as 30 days past due, and if I wish to increase my spending limit, I must submit a request, subject to a soft pull on my credit report. 

I assert that Capital One 's reliance on third-party information and refusal to correct a reduction caused by an error on my credit report is unjust and may lead to further damage to my credit score. This may result in the loss of better credit opportunities and favorable rates. Moreover, I am concerned that Capital One is not adhering to government standards regarding the collection of customer information, and the denial of access to speak with a manager further compounds my dissatisfaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: AR
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccurate on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX : {$24000.00}.

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 2022-12-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home burned down in a wildfire in XXXX of XXXX. Our homeowners insurance paid the claim to XXXX XXXX My mortgage was sold in XX/XX/XXXX. By XXXX XXXX to Mr Cooper, a brand name for nationstar mortgage. 
XXXX neglected to turn over any documents regarding our insurance money. There is a balance of approximately {$110000.00} dollars. Mr Cooper acknowledged the amount, but will not release the funds based on lack of information from XXXX. So starting from scratch, I with the help of my insurance company and contractor forwarded all the documents necessary to release the funds. 
This process started XX/XX/XXXX. I have called mr Cooper several times a week since XX/XX/XXXX. 
Im told that they are waiting for the back office to make a decision. Each week Im told the same thing, its under review and should have a decision in XXXX to XXXX business days. That was about XXXX weeks ago. 
My home is very close to being finished. I had to borrow from my retirement account to make a partial payment of {$60000.00} dollars. My contractor has asked for a payment of {$91000.00} dollars. This is causing a great hardship for me and the contractor. I dont know what else to do. Hopefully you can help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had a checking account with 5/3 Bank for 5 or more years. In XX/XX/2020 my local branch was closed and there is no longer a branch close to my home or business so I opened a new account with XXXX XXXX and transferred all of my money except about {$50.00} out of my 5/3 account. On XX/XX/XXXX I sent a secure message through the 5/3 website requesting that the account be closed and remaining funds be mailed to my address of record. 

I also called the toll free customer service number but was never able to speak with a representative after being on hold for over 30 minutes. 

Since then, the account has still not been closed and it is accumulating service fees on a daily basis. I have tried calling several times and have been unable to reach anyone. Finally on XX/XX/XXXX I was able to speak with a live representative at a call center, but he told me I would have to go to a local branch to close the account for security reasons. 

I am unable to visit a local branch because the branch where I conducted business has been closed permanently. Also, all branches are currently closed and only offer drive through service. I have tried multiple times to call the XXXX NC branch to speak with a banker and no one ever answers the phone. I have left multiple voice messages and no one has ever called me back. I tried calling them again today and there is no longer an option to leave a message. 

As of today my account balance is - {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Applicant was denied credit and/or charged unlawful fees which were to be included within the financing agreement pursuant to the Truth in Lending Act and/or other applicable regulations and provisions pursuant to the Uniform Commercial Code, XXXX XXXX XXXX, the Codes of Federal Regulations. Additionally, payment of negotiable instruments were not honored and/or properly recorded or adjusted to provide applicant/owner proper tax documents, lawful title, and/or benefit. 

It is unlawful to be denied credit or for any creditor to discriminate against any applicant as it creates an adverse action pursuant to : Title 15 USC 1691 Chapter 41 Providing Scope of Prohibition ; 15 USC 1681 Providing Congressional findings and Statement of Purpose 15 USC 1611 Providing for the Criminal liability for willful and knowing violation 12 CFR 1002.4 Providing for Discrimination, Discouragement, and Scope of Rule concerning dealings between an applicant and creditor.

Additionally, the illegalities of finance charges and downpayments are defined, established, and lawfully remedied in : Title 15 USC 1605 Providing for the Determination of finance charges ; 15 USC 1662 Providing for the Advertising of downpayments and installments ; 15 USC 1635 Providing fo the Right of Recission as to certain transactions. 

Similarly, the Uniform Commercial Code 9-102 Providing for said negotiable instruments as were submitted pursuant to the Uniform Commercial Code 3-104. 

To avoid further litigation or process please provide immediate remedy, recourse, and/or reconsideration for credit, financing, and/or purchase giving full faith and credit to the applicant has the ability to secure or otherwise settle the security for the instrument and/or property enjoining a lawful consideration or refund of the total amount tendered of {$14000.00} by way of recission pursuant to the above listed applications of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: WI
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 went to a XXXX dealership on XX/XX/2020 to apply for financing a vehicle. I was told that I will only be applying for the in house financing XXXX offered at the time. I did not agree to getting my information pulled by these institutions. Heres the hard inquiries and their respective dates : XXXX XXXX XX/XX/2020 - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/2020 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 - XXXX XXXX XX/XX/2020 - Equifax XXXX XXXX XX/XX/2020 - Equifax XXXX XXXX XX/XX/2020 - Equifax Im seeking the resolution to have these inquiries deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU 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 2022-10-25
Company: Experian Information Solutions Inc.
State: MN
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address, Please update my name, My only social security number, My only and correct date of birth, and My only employer. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I applied for a loan to purchase XXXX homes. There was a non- refundable {$500.00} application fee for each property. We had the properties under contract pending funding from Wells Fargo. The bank didnt answer us until a few days before the contracts expired. We received notice that they didnt make those kinds of loans. We went to WF because our friends had used them for their purchases of property. As soon as the contract expired several other investors purchased the properties. Not only did we lose our deposits but we also lost the properties. We did contact WF and were told that the deposit was non refundable. We already knew that but we didnt receive an explanation about our loan being denied. We did find more properties, went to another bank and got the loans with no problem.

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 2021-05-27
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime Bank put a hold on my account it has been 54 days no one has got back to me or anything. They have requested information from me which I sent on XX/XX/2021. They froze my economic stimulus payment and my state tax which Im entitled to by law. I have left several emails and still nothing you are not allowed to talk to nobody from that department. I have 3 tickets in still nothing. I know because Im XXXX they are not trying to help me. If I were XXXX they would not have me waiting on my money for 54 days. The least I deserve is a response back. This company is XXXX and needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have contacted the fraud department around XX/XX/XXXX for Eppicard for my NJ XXXX support. They cancelled that card and issued me another card. I called them XX/XX/XXXX to inquire why my account was negative and that's when I was informed that they took the funds back they had credited for those fraud charges, I went to the XXXX  Police barracks, XXXX  XXXX  that same evening to file my report. They denied my claim as they stated " conflicting information '' but after reading many reviews on Consumer Report that is their standard format go to excuse for all of us. I have filed a police report with my local XXXX Police, # XXXX. They, Eppicard never told me to do that initially and they did in their denial letter. Which is now completed. I am not holding out hope but this seems to be very common for them as they do not protect us, their consumers or help to really rectify the problem. My next step is to file a report with Federal Banking Commission. I have several charges for three different XXXX  's XXXX hours away from my home that I do not shop at. I have a XXXX  10 minutes from my home. Charges for a XXXX XXXX  XXXX XXXX in XXXX XXXX California, XXXX XXXX. These are not my charges and will be more then happy to send you my statements that the Eppicard could have referenced to see my shopping habits if their Investigation Department actually did the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief