BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: OH
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 has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I previously opened a compliant on XX/XX/23 which Experian, XXXX, and XXXX did investigation and said the accounts were verified and accurate. 

XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 may make any of the following items of information Any 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 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 2023-02-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 an unauthorized wire transfer took place. A phone call that looked like the bank was calling took place. I was told there was someone in another state trying to wire transfer money from the checking account. I was asked was I in florida? I said no and stop that transfer..was given a code..like the bank usually does. Was told it was stopped. I check on the account a few hours later..money gone! I immediatly call the bank to report and was told there was no report on anything this all happened within about 14 hrs. so closed the bank account..reported what happened to the fraud dept. of the bank was told I must have given my username..that DIDN'T happen. Finally went into the bank branch for more explaining to them. Now we have filed a police report and I'm following up with this complaint. The amount of this transaction was {$20000.00} on XX/XX/2023 with Wells Fargo

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent over to Transunion the letter response from the actual company and they have yet to respond. The letters I mailed were XX/XX/2022. We are now in the month of XXXX and still no response. 

15 USC 1881i ( a ) ( XXXX ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The dispute were for accounts XXXX XXXX XXXX ; XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX. 

XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX violated several laws, and XXXX XXXX were told to provide several things notated in the letter attached. I also notified Transunion XXXX Disputes with this information as well. I have yet to receive proper reponse. It is past their 30 days to respond and now I am bringing this dispute to CFPB. 


I the consumer demand these accounts to be deleted immediately from my credit profile. XXXX XXXX XXXX ; XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX Please view the attached documents that shows my proof of contact and responses from other credit reporting agencies as well as the letters I sent to Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from Chime/XXXX  XXXX  asking me to Activate my account. I did not open an account with Chime. 

When I called Chime, I was asked to verify my phone number. My phone number, nor my wife 's phone number could not be validated by the automated system. When I got a Customer Service Rep, he could barely speak English and had a very thick foreign accent ; I was told that I had to give my social security number, my date of birth, and my phone number to verify the account or that he could not do anything for me - he suggested I could also submit a copy of my driver 's license or take a " selfie '' holding my ID. When I asked for the Fraud Dept, I was transferred to another man, also with a thick foreign accent ; after placing me on hold several times, the 2nd man told me " there is nothing to worry about as your account will be closed. '' I informed him that I had never given an account number, so what account would be closed? He said " the one under your name. '' It was a very suspicious interaction to say the least. He had information, but then kept saying that said he couldn't give me any information because I hadn't validated my information - he wouldn't even given me partial information. The only I gave him was my phone number and email addresses which, of course, could not validated. I expressed my concern that this was fraudulent, and I informed him that I was going to call the FBI, he said " Well then there is nothing more I can do for you if you are going to involve the FBI ; they will handle it. '' At that point, I terminated the call and tried to contact the XXXX XXXX, XXXX  office, which directed me to FTC ( this site ). 

I should also point out that the card I received in the mail is an actual Debit Card, with an account number, a chip, and my name -- my name is printed incorrectly on the card too ( another suspicious aspect to this ). The address this card was sent to was my former address in XXXX ( I now live in XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: MD
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 then same accounts 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a loan with 53rd bank. I worked with XXXX XXXX to refinance the loan. A pay off check was sent to them and processed on XX/XX/XXXX. The balance on XX/XX/XXXX on the account XXXX. The pay off check was for XXXX. Resulting in an overpayment of XXXX. During the time for the refinance to finish, I continued making payments, A payment of XXXX was processed on XX/XX/XXXX, taken out of my XXXX XXXX XXXXXXXX Account. The payment on XXXX was processed after the check cleared. so in total I overpaid the account by XXXX = {$1600.00}. The refund they are sending me is {$750.00}. They have no record of my payment that was made. I have evidence from their website but they continue to deny that a payment was made. They are also charging me approx. XXXX $ in interest for paying the account off. I contacted their CS over 10 times and they have no idea. The last two calls get conveniently cut off before a specialist can give me details. The math doesnt add up at all and they refuse to investigate this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite submitting certified court documents on multiple occasions, both via the website and certified mail, showing my legal name change Equifax has refused to correctly report this. After I filed a complaint with Consumer CFPB they locked me out of my credit report, and refused to allow my mortgage lender to access the report. 

I have now been refused credit by my bank, refused an apartment rental, and am unable to get a mortgage loan because Equifax is illegally reporting my previous name, as well as incorrectly reporting my credit history ( some of which was updated in my previous CFPB complaint, but not all ). 

This has been a four month battle and things have gone from bad to worse. They state they can't hear me when I call, and hang up on me, they refuse to change anything via the website dispute center, and even after being sent via certified mail, my certified court documents from an advocacy organization, and through CFPB, they still are not correctly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
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:
On XX/XX/2019, the following company XXXX XXXXXXXX without permission pulled my credit report without my knowledge or permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I'm a member of BJ 's wholesale club and have My Bj 's park credit card issued by the Comenity Capital Bank card number XXXX. 
A number of times I used this card not too much and I do the payment by auto pay connected with my checking account. 
On the last payment I became surprised when an amount of {$140.00} has collected from my checking account. Then I checked from very beginning of the date I started using the card and found in total i used the card {$560.00} but they collected {$660.00} from my checking account. In the middle I became default to pay because my checking account was hacked and to protect my account I stopped the checking account for a few days what I have inform them.You could see the statement here. So my request to you please check my paper and do the necessary to get the overpayment refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
*I purchased my home XX/XX/XXXX. 
*I re-financed my home XX/XX/XXXX with XXXX XXXX XXXX . 
*XX/XX/XXXX, I agreed to a loan modification agreement with XXXX XXXX XXXX . 
*I was told my loan will end XX/XX/XXXX. 
*I requested an amortization schedule from my loan company, Mr. Cooper XXXX 
*First request, payments were extended beyond XX/XX/XXXX. 
*I requested an explanation and a new amortization schedule since I borrowed money to pay down the principal. Request was denied.

*Mr. Cooper led me to believe they were going to assist me with a new loan modification due to an increase of payments because of higher interest rates, medical and employment issues.

*Mr. Cooper instead ran my credit and denied me any assistance causing an undue burden on me. They stated they were trying to see if I could re-finance, when I didn't ask for a refinance due to my employment issues. They were fraudulent and misleading and as a result, my credit score was lowered. 
*I think my loan is predatory because it would take 40 plus years to pay it off and I never missed a payment. 
*I would like a loan modification that is fixed and not appear as if it has a negative amortization. 
*The language in my agreement is ambiguous, misleading, and the numbers are misrepresented and contradictory.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've had on several occasions, problems with my payment to hit my account. I called Navient the past two months wondering why my normal monthly payment of XXXX dollars says XXXX dollars on my Navient app. They would tell me they did not recieve a payment then put me on hold for a brief moment. Both times the representative came back on and told me he found my payment but it has n't been confirmed yet. I questioned them multiple times why I have to call every month asking why my payment is not up to dat. I was hoping somebody would catch on to their antics. I just hope I have n't lost miney because I 'm a very dedicated customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX, I reached out to FedLoans to file a balance dispute because the balance on my consolidated loans seem incorrect due to the fact that i did not borrow the amounts stated. My son was in school in XXXX in Colorado ( $ XXXX ) then he came home to attend a XXXX  college from XXXX ( $ XXXX XXXX. the amounts that FedLoan has me owing is ( $ XXXX ). I assume they are including my loans when i was in school from XXXX. I have not been in school since XXXX and those loans should not be included in this amount. I have tried to get them to review the balances again because I'm getting denied Fed Aid for my daughter who will be attending college next year. 
PLEASE PLEASE PLEASE HELP ME/US.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Ideal Collection Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from IDEAL COLLECTION SERVICE that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that IDEAL COLLECTION SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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 belongs to someone else

Complaint:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
I am the author of this complaint. I notice some inaccurate and incomplete information on my credit report. I'd like a thorough investigation and a deletion of the following accounts mentioned in the letters attached to this complaint. My social security card and a picture of my driver 's license is included within the letters attached either

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 2017-01-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$110.00} to XXXX for XXXX XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$110.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

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