BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I recently paid a bill in full, confirmed with the lender, XXXX XXXX XXXX, that the bill was paid and received an email to that effect. This bill was not in collections, nor was it bad debt purchased by another creditor. XXXX XXXX XXXX was the original and only lender involved here. I forwarded the email with my request to Experian on XX/XX/XXXX, requesting my credit report be updated. The very next day I received a reply informing me that their investigation was complete, that they had verified the information they have as accurate and would that they would not be making any corrections. 

In Experians denial they state : we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 

The letter goes on to call out the following : Actionsrequired : We reviewed the documentation you provided with your dispute, but determined that it was not sufficient to make the changes or deletions you requested. 
We then forwarded your documentation to the furnisher of the information, along with a description of your dispute, and asked them to investigate your dispute. 
If the item you disputed was a public record, we contacted the vendor who collected the information from a public record source and asked them to verify the public record information. 
The results of our reinvestigation are included here. 

XXXX XXXX .... 
PLEASE CONTACT XXXX XXXX AT XXXX From the information they provide, it would appear they received a copy of the email I provided, forwarded it on to XXXX XXXX XXXX requesting they verify that information and received a response requesting Experian to call them. It does not appear Experian did that within the one business day they dedicated to fix this error. If Experian looked into this matter with any due diligence, they would have found the information I provided them to be accurate and updated my credit 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 2023-02-13
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: Investigation took more than 30 days

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-06-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been making payments to a private student loan. I have reviewed the online information on Wells Fargo 's site to obtain how the payment is applied. Each month I pay over and above the amount due. I can see how much is applied to principal and how much is applied to interest but there is no information to show how the balance has dropped from the previous month. I would like to be able to receive a statement by mail to show the balance from the previous month and the new balance after the payment is applied. I can only see the current balance of the student loan. I have not been able to see how much interest accrued over the time my son was in school. I am a mortgage lender and I understand finance completely. I have been to a local branch and made a call with one of the agents to the student loan department and I have emailed 3 times to explain the issue. There is no way to track what the original balance started out at and then showing how the payments have been applied or the new balance each month. This should be very clear to a consumer. I can not begin to imagine inexperienced students trying to understand this. There also have been mistakes made where the payments I made were applied to a loan that my x-husband was obligated on solely in his name but I made the payment. This was eventually corrected only because I was paying attention and researched it. There is currently an error that I see where it seems as if a payment was posted but one I didn't make. I have also never been given an option of opting out of a mailed statement. I was told they do not send statements when I inquired on this. Any assistance you can provide would be greatly appreciated.

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 2023-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been fighting Identity theft on my account for years and EQUIFAX refuses and lied to you all about the information NOT reporting on my files. It has cost me thousands of dollars in credit and interest rates for something I DID NOT DO. i have requested over and over again for Equifax to remove the collections on my account as of today XXXX even though they made a statement to you that is NOT reporting on my file. It is still reporting ONLY ON EQUIFAX. AS shown on a report dated XXXX the collection is reporting still on my file. XXXX XXXX XXXX XXXX has requested removal from all 3 bureaus over now 4 months and all has removed except for EQUIFAX. Equifax already may have been responsible for a lot of my Identity theft since they notified me years ago that there was a Data breach in which my identity may have been compromised and they STILL are reporting debt that was achieved thru IDENTITY THEFT on my file even though proof has given to them by XXXX XXXX XXXX XXXX that it IS not my debt. There must be some consequences for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank was notified via document upload and through registered mail delivered today to their registered agent in the state of Florida that they have 30 days to refund my money pertaining to dispute XXXX. If I'm not refunded in 30 days, small claims court and/or arbitration will be initiated. A purchase was made with my Chase credit card, and Chase denied my dispute despite never, and to this date, having received anything from the merchant, and the merchant confirming order was not fulfilled and them being unable to issue refund. This noticed is being sent to Chase as further evidence to be used in court that they were properly served and notified. And hopefully government employees monitoring bank compliance can read this and realize Chase bank is not investigating disputes correctly and shifting the responsibility to customers. This issue was also reported to the Federal Trade Commission. Furthermore, a notice was sent to Chase requesting all internal information and communication pertaining my dispute to be used in court. To any government employee monitoring this, Chase 's Executive Office doesn't do anything. They send a copy and paste answer and never address the concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have noticed that there were four XXXX transactions posted on my business account ( # XXXX ) without my authorization on XX/XX/XXXX. I tried to reach the Chase customer claim department on XX/XX/XXXX, but it was closed by the time I called. On XX/XX/XXXX, I reported a claim for this incident. 
1 had never received any kind of one-time passcode and/or transaction alert from Chase Bank regarding this XXXX XXXX and when I tried to reset my password to protect further fraud activity, I noticed that my original phone number, which is XXXX, was replaced to unfamiliar number ( XXXX ), that I didn't recognize and had never used before. which explains why I didn't receive any alert or message from Chase because the phone number was changed. 
I've never had any interaction with any potential fraudulent activities over the phone or via email. But from my phone conversation with the Claim Department on XX/XX/XXXX, I was informed by the Chase representative that my personal computer was compromised. 
No one from my family or business partners has had my account login information. I've also never written on a hard/soft copy of my account login information. This begs the question of how this could have happened given how cautious I am with personal information details. 
From the transaction details, I understood that an amount of {$3500.00} was transferred to an account registered in XXXX, XXXX, and the other three transactions, for an amount of {$4900.00} each, were transferred to an account registered in XXXX, XXXX. In both of these areas, I've had no personal or business interactions with anyone. I only access my account from my personal XXXX XXXX and XXXX XXXX XXXX, and have not left the XXXX, Texas area since the beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXXXX/XX/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 2018-09-03
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: Investigation took more than 30 days

Complaint:
purchased XXXX XXXX XXXX financed thru XXXX XXXXXXXX XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/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 2018-02-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This complaint is about XXXX ( parent company : Coinbase ). 
On Sunday XX/XX/XXXX, I made a deposit via Coinbase to my XXXX account. Deposit reference : XXXX. The deposit was successfully completed on XX/XX/XXXX at XXXX XXXX. My XXXX/Coinbase account details are : Email : XXXX Name : XXXX XXXX XXXX : XXXX Everything was working fine until XX/XX/XXXX when I tried to login to my XXXX account, I was presented with this message : " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX '' I couldn't login to my XXXX account. By that time I had exactly {$1500.00} stored in my XXXX  funds/account. So I emailed XXXX support on XX/XX/XXXX at XXXX PST. I received generic response from the company saying my problem will be looked at. I waited for a week or so and called XXXX via phone on XX/XX/XXXX, I was told that my ticket will be escalated so it can be resolved. After waiting for a week or so, I called again because nothing was happening to my case. Now, today, it is XX/XX/XXXX, it's been more than a month now since I have been waiting to get my funds ( {$1500.00} ) back from XXXX and I haven't received my money, and I still can not login to my XXXX account. Whenever I call the company, they give me a generic response with no timeframe. I would like my funds back as I really need them. I hope after this complaint, my issue will be resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My experience with Wells Fargo was many years ago back in XXXX. I dont know if this lawsuit will go back this far but it was an awful experience with Wells Fargo . The property address that was mortgaged address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2020-03-28
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: Account status incorrect

Complaint:
Original Creditor XXXX  XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from Trans Union, XXXX  or 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 2022-04-12
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Remove this Fraudulent account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX XXXX account as this was previously investigated and removed. If you Equifax determined this account to be fraudulenty added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

Equifax has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Purchased car on XX/XX/2019 and was required to obtain financing with TD AUTO FINANCE. 

According to my XXXX Personal Credit Report, TD AUTO FINANCE performed an inquiry on my account on XX/XX/2019. 

Today, XX/XX/2019, I received notice from TD AUTO FINANCE my financing application was denied, as TB AUTO FINANCE was " unable to verify applicant information identity. '' TD AUTO FINANCE, however, was able to verify my identity in the above-referenced credit report and, in fact, the denial states TD AUTO FINANCE was able to verify my credit score on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
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 items 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. 
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 2019-08-04
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX pulled my credit report without my authorization. It was a hard pull made on XX/XX/XXXX. 
I filed a dispute with Equifax. 
They received it - Confirmation # XXXX. 
They said they can only remove this hard inquiry from my credit report after they get a copy of my FTC complaint, which is why I'm filing it. 

XXXX never denied pulling my credit without my authorization. They said it was a " soft pull '' that would only stay on my credit report for 2 weeks maximum. That is not true! It is showing on my Equifax report as a hard inquiry that will stay on my report until XXXX XXXX. 

I want it gone and I want XXXX XXXX to compensate me for the damage they caused my credit and the time required for me to correct this!

Company response to consumer: Closed with explanation