BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There was no place to dispute wells fargo response to the recent complaint  XXXX .  Wells fargo     submits documentation to cfpb known to be fraudulent .wells fargo submits documents fabricated and post dated, if dated, that have forged signatures and fraudulent notary. wells faro now submits a fraudulent lost note affidavit. Notice the numbered paragraphs jump fro m 3 to 5. The re is a well documented history of correspondence to fbi, attorney generals, department of financial institutions, and many others regarding wells fargo fabricated fraudulent documentation for this heloc account.wells fargo scanned copies of the heloc file  XXXX   XXXX ,   XXXX  . Which was provided to regulating entities,  governmental agencies, legal counsel and others. Wells Fargo co ntinues to supplement the heloc documentation with fabricated documents known by wells fargo to be fraudulent..    Wells  fargo continues to commit blatant illegal acts. wells fargo insults the cfpb, the attorney generals and the deparment of justice settlements, consent orders, criminal laws. Truly wells fargo is above the law.   Consumers are forced to incur legal fees to file legal cases to prove the obvios fraud. I can prove wells fargo has fabricated documentation to commit fraud upon me, the cfpb, and the court.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: MO
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I believe I  was one of the people affected by Navient 's deception with their student loan borrowers. I did n't receive timely informatio n about renewing my income-driven repayment plan, and they kept sending messages through their secure website which I struggled to find and log into and then you have to have a PDF reader to even open them. This caused me to not meet the deadline to re-apply for my income based repayment plan and my loans jumped up hundreds of dollars. I also do n't believe they allocated my payments correctly because it does n't look like anything went towards the principle. All payment we n't towards interest and yet my interest was still climbing. I believe they deceived me in my income-based repayment plans because they had my monthly payments at {$0.00} at one-time but they did not allow me to make any payments since they showed that {$0.00} was owed each month. So my interest continued to accrue but I was n't able to make payments. Then when they did show that I owed, they would n't let me pay more than what the monthly amount was owed so I was never able to pay off more every month so that I could work towards getting my principal and interest down. When I called in they tried to get me to take the forbearance plan so that I did n't have to make any payments but I told them the issue was n't that I could n't make payments but that I could n't afford the hundreds of dollars a month they wanted me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Was not notified of investigation status or results

Complaint:
I have a lot of inquiries that shouldn't be on my report and a few negative items that are not correct.

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 2023-03-06
Company: EQUIFAX, INC.
State: GA
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. 

XXXXXXXX XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2017-05-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged {$400.00} by a company named  XXXX   XXXX   XXXX  for a contract on a party bus contract that i am not named on. I paid the remaining balance prior to the party and received a receipt for {$370.00}. The next day i was charged {$400.00} by the  XXXX   XXXX  for overtime and a clean up fee. I was never informed of a charge or knew such charges existed as i was not the direct client and never signed any contracts or agreements. I tried to get a refund from the company and told them you never mentioned a charge for the overtime and clean up. They sent a text that there as overtime and  XXXX  on the bus. That is all the text read and I was charged {$400.00} the next day. Their response to my requesting a refund and that they please work out the charges with their client was " you were informed '. So i told them I would contac t JP Morgan Chase and have the unauthorized charges disputed. JP Morgan Chase  did reverse the  charges.The  actual  XXXX  Bus customer worked out a lower charge of {$300.00} and  XXXX   XXXX   XXXX  then sends a refund to me in the amount of {$100.00} via my debit card, I sent the {$100.00} my friend, their client as they were not my funds and told him to let them know . JP Morgan  reverses the refund from the  XXXX   XXXX  to themselves. On  XXXX / XXXX /  XXXX    JP Morgan  emails me that they are reversing the amount of {$300.00} based on documentation from the company, this created a {$300.00} hole in my account. When i called them i could not get them to send me the documentation given to them, which has to be falsified as i have never met these people been to their location or signed not  one agreement or contract with them. I had to go to a branch and explain this situation and still could not get a copy of the information. I am now waiting 7 to 10 business days for this documentation JP Morgan  used to help this company steal my money. Oh and  XXXX   XXXX   XXXX  was paid the {$300.00 } Overtime and Clean up   fee by their direct client. So they have been paid twice for the same service and will not respond to my emails requesting a refund or a copy of the documentation. i feel helpless in this situatio n. JP Morgan s hould have emailed me a PDF of this proof or at least sent it to the  Branch s o they could review it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IN
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: CONDOR CAPITAL CORP
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have contacted condor capital several times requesting that they send me a 10 day pay off amount with the 1 day perdiem and the payoff address. This has been ove r 2 weeks. They told me several time that it will only take 24 to 72  hours to receive the forms. I have yet to receive anything. I am trying to refinance my car with another company and they refused to provide the information. which is causing not to have to car refanance

Company response to consumer: Untimely response
Consumer complaint received 2017-11-16
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX 2017 I contacted this company in regards to a debt in which I hold no contract with which resulted in damages to my credit report and future finances. Immediately when I noticed the alleged debt on my credit report I turn to the company to resolve this yet my request has been denied to remove all negative information from my credit report. This company holds no original contract to prove that the amount owed belongs to me. All correspondence from the company are n't sufficient enough at all I received was photocopied information that does not prove nor deemed that I am liable for this debt. As stated before I demand that this company remove all negative information reporting against my SSN immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company is reporting a debt that is inaccurate the amount they are saying I owed is incorrect. The debt is beyond the legal amount of time to collect and should have been dropped from my credit report. This account was closed and the care was resold the reporting that is being reported does not reflect that. I have request it be removed on 3 separate occasions more and escalating actions are forthcoming.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have 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 Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: NC
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 have reached out to the credit reporting agency and they have refused to remove this iteam. By law this cant stay on my report but for ten years. The last activity was over 10 years ago. I have reached out to the bank and they have stated to me that they have sent removal paper to the credit reporting agencies with audio tapes backing them. The agencies have refused to do any action on this I am at my Witts end need help. In the supporting documentation first is XXXX second XXXX XXXX third is equafax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Early Warning Services, LLC
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
In or around XX/XX/ my XXXX XXXX XXXX checking account went from a positive {$1800.00} to a negative {$1800.00} without any transactions posting to my account to explain how it happened. I got several emails telling me I had insufficient funds and most of my credit card payments where returned. I logged into my account and notice several transactions from Zelle went through even though my account was in the negative. How is this possible? That's when I knew something was wrong because Zelle would never allow a transfer of funds with an account in the negative. I started getting notifications from XXXX, that XXXX XXXX XXXX was taking money out of customers accounts, due to a glitch with Zelle. I have suffered several closed credit card accounts because of the insufficient funds in my account. I was in the process of completing a major multi-million dollar line of credit to purchase real estate. My XXXX XXXX has suffered and was lowered, so now I can't move forward. This is costing me time and money, until I can fix these problems associated with this glitch. The sad part is, XXXX XXXX  closed XXXX of my cards, XXXX closed XXXX of my cards, and the crazy part of it all ; XXXX XXXX XXXX XXXX XXXX and XXXX own a share of Zelle. It should have been no problem to correct this error and not report anything negative to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I A EXPERIENCING EXCESSIVE DIFFICULTY UPLOADING SUPPORTING DOCUENTS TO THE TO THE XXXX SYSTEM. I AM CONTINOUSLY DISPUTING, HOWEVER THE SYSTEM IS NOT ALLOWING MY DOCUMENTS TO BE UPLOADED. IT APPEARS THIS IS INTENTIONAL. 

TRYING TO SUBMIT ALL OF THE FRAUDULENT 1098 'S REGARDING MORTGAGES TAKEN OUT IN OUR NAMES.

AGAIN, THE SYSTEM SHUTS ME DOWN. 

REGARDING : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX IS INTENTIONALY HARMING US. THEY ASK FOR DOCUMENTS ONLY TO FIND OUT YOU ARE BLOCKED.

IT APPEARS THEY ARE ASSISTING LENDERS IN THE COORINATION OF FORECLOSURES/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a new XXXX through BOA car Loan on XX/XX/. On XX/XX/XXXX I made my first payment through my personal account in BOA online banking since I am able to see all my personal accounts including my BOA car loan account through Online banking. 
After that, I create the payments through Bill Pay in my Business account ( XXXX XXXX XXXX XXXX XXXX ) I always pay my cars through my business account not personal account. Since my previous XXXX car was through XXXX XXXX, this payment was already created. I modified that automatic payment and added the BOA car loan account number but inadvertently did not make the change from XXXX to BOA, therefore even though the payments were created and sent with the correct BOA number, they were sent as a check to XXXX instead of BOA ( a completely mess ). On XX/XX/XXXX and received an email that my car account was past due ( I did not receive an email prior to this or by mail ). I contacted BOA right away and they said that my account was paperless and that they do not understand why I did not receive an email or phone call prior to that. I explained the entire situation to them but of course they said they understand it was a mistake and that they already reported me to XXXX and I need to fight this with them. They say they will add the notes of what happened on my profile that way when XXXX contacted them, they were able to explain but they can not call XXXX on my behalf. I have been fighting with BOA since that trying to figure out where the payments are and to obtain the 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 2023-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
n accordance with Fair Credit Reporting act Convergent these Account Number : XXXX Account Name : XXXX XXXX Account Balance : {$760.00} Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Balance : {$0.00} Account Number : XXXX Account Name : XXXX XXXX XXXX Account Balance : {$6400.00} Account Number : XXXX Account Name : XXXX XXXX M Account Balance : {$9400.00} Account Number : XXXX Account Name : T-Mobile Account Balance : {$3500.00} Account Number : XXXX Account Name : XXXX XXXX Account Balance : {$1300.00} Account Number : XXXX Account Name : XXXX Account Balance : {$320.00} 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 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 2023-04-30
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: Personal information incorrect

Complaint:
The Credit reporting agency has several items on my personal information section that are not mine or are not related to me. This includes several Social Security numbers that are not mine, several addresses that are not mine, or, are not my current address. 
Under the FCRA the reporting agency is required to provide accurate information and therefore, will report accurate information by removing any information that does not belong to me as well as any credit records and accounts that do not belong to me or are not related to me. 
I have attempted to resolve these inaccuracies with Experian several times in the past, there was no action taken on their behalf.

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