BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in paperwork XX/XX/2022 for a name change so that I can have documents from Wells Fargo in my legal name. I can not get the documents from the XXXX XXXX  XXXX division notarized until the name is changed. I have called and emailed repeatedly. My specialist, XXXX XXXX does not respond. After hours of phone calls on XX/XX/2022 I spoke to a girl in the Bankruptcy Department named XXXX XXXX. She got me an email address to send the documents to. 

Its the same email address that I sent them to XX/XX/2022. 

I have been hung up on. Put on hold. Ignored. Threatened with being thrown out of the post Covid program I am trying to finalize. This team at the XXXX XXXX  XXXX Department have made it impossible to get anything done. They do not answer you and do not try to help you. It should not take this long. I just want to get the paperwork done so I can finalize everything and set up my autopay. I can't do any of this because I don't even know what my new post Covid mortgage payment is!!! 

I have contacted and received a auto reply about a 5 day response. But no one responds.

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 2023-07-05
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I have used WesternUnion for several years. Since yesterday, I have tried to send money to pay for my land purchase & the customer service representatives ( XXXX , XXXX, & 2 others & verification ( XXXX XXXX XXXX XXXX have been giving me a hard time. They asked me personal questions. Requested copies of my passport, then cancel the transaction without any explanation. Not only is it frustrating its downright rude. They are falsely advertising!!! They advertise no fee in 1sXXXX transfer. By canceling, they can charge fee. My brother is the only one I trust to take care of my business. As a result if their action, theyre forcing me to lose the other money already deposited. Thus is ridiculous!! 
I received this message : Your money transfer couldn't be processed Hello XXXX , Your money transfer XXXX XXXX initiated on XXXX couldnt be processed. We regret the inconvenience caused. 

If your account was debited, you will receive a full refund in 5-7 working days. 

You are welcome to start a new transfer anytime : bulletpoint Try another payment method online. 
bulletpoint Visit one of our Agent locations to send money in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Im not sure which month but someone accessed my account and used a checking account to pay the bill and it kept coming back as nsf and the amount that was paid was charged back to the account which was more than what I originally owed and they added it on to the balance so it caused my payment to go way up so I couldnt pay and they refused to refund that amount that they charged back. I could understand if the account was used if that money that came back as a nsf but they never gave that money available to use and nothing else was charged to the account so my {$500.00} credit limit is not {$1500.00} which is impossible because how can they charge me triple what my credit limit is if they never have the money available while processing the nsf ach that someone did on my account. I want all that money refunded that was charged to my account. Not only did they charge the excess money on my account but they blocked me from disputing or even accessing my account. They wont let me in my account at all now or talk to me because I dont receive the text messages or phone call to my phone number from them for some reason. I can get everyone elses messages and phone calls but not theirs. I just want that money removed from my account so I can pay off my credit card and be done with them. I also want the late fees and everything removed from my credit report since I didnt have access to my account to even pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2021-04-09
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint as an intent to get some help on this matter. tI am very concerned. There are three late payments reported on my CHRYSLER CAPITAL account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These late payments are being reported different across bureaus, which shouldnt be happening. This is a violation under the FCRA. I dont want to focus on this violation but its important to mention it because it creates confusion and my credit score gets affected. 

On the dates mentioned above, I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

I am requesting Chrysler to correct the late payments reported on the months mentioned above. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us. 

I really hope you can deeply research this case and take a fair decision. 

Account information : Account number : XXXX XXXX XXXX Opened date : XX/XX/XXXX. 
Highest balance : {$27000.00} I have sent to Chrysler the letter from third-party company as proof of their error. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: PA
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  XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1691 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 2023-04-08
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:
On ( XX/XX/2023 ) 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9600.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$15000.00}

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 2023-05-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-07-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i was informed when i call you guys that this dispute i sent previously was rejected. so i am resending my letter and please review and read the letter i sent and i have attached the FTC that you have requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EAST WEST BANK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, on XX/XX/2022, I deposited the funds required for opening an account with East West Bank of XXXX {$2800.00}, and then received an email from East West Bank indicating that my account was unilaterally closed. I then consulted East West Bank customer service, and they told me that my account was closed and that my funds had been returned the same way. But my wise account has not received any refunded funds so far. Please help me to check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my profound frustration and concern regarding the ongoing presence of fraudulent items on my credit report despite multiple attempts to have them removed. These erroneous entries are adversely affecting my financial well-being, and I am seeking your immediate assistance to rectify this situation. 

I first became aware of these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus outlining the fraudulent items in question and providing detailed information to support my claim. I attached copies of police reports, identity theft affidavits, and any other relevant documentation to substantiate my claim. 

I followed up with Credit Bureaus via phone to inquire about the status of the investigation and the removal of the fraudulent items. At that time, I was informed that the investigation was ongoing. 

As the fraudulent items were still present on my credit report, I sent a second dispute letter, reiterating my concerns and the importance of resolving this matter expediently. 

Lack of Response : Despite my continued efforts, I have not received any response or resolution regarding the removal of the fraudulent items from my credit report as of the current date.

The presence of these fraudulent items has had a severe impact on my credit score and has hindered my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Police reports and identity theft affidavits Any other supporting documentation. I am asking for your assistance to remove these inaccurate items : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a few accounts on my Experian credit report that are Fraudulent I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block on 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: VA
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:
Good morning, This is in reference to Report Number XXXX which was processed on XX/XX/2022. 

Experian opened a dispute on the wrong item on my credit report and removed 8 years of on-time payment history. The account # is XXXX and it is a {$500.00} line of credit. 
They were to dispute another account instead that had similar account numbers. This on-time payment history was to remain on my account until XXXX. I had a XXXX line of credit that I paid between the years of XXXX on time. All of that information and historical data was deleted when it shouldn't have been and I was told by an agent that they can't restore the original information. 

There should have never been a dispute placed on that account that was a huge error that has ruined 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 2019-07-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Name : Comenity Bank/Limited Payment status is showing Credit Line Closed by Credit Grantor This is showing as potentially negative - settlement on my credit report. The account is closed because the XXXX is using another credit company. My account is closed and my current balance as of XX/XX/19 is {$1900.00}. 

My Request : I would like for the payment status to be updated to closed by consumer. 

My requests continue to go to incompetent people who are not equipped or not in a position to make this change right. The are not being truthful and I find their unwillingness to help me disturbing and deceptive. 

I am a former Military Spouse ; now divorced, but we still receive military benefits and base privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 I was contacted by CBE group collection agency. Upon contact I was inform I had an balance of {$220.00}. I was advised if I pay half this amount my account will be written off and I will have a XXXX balance. I agree to this agreement with them over the phone and after I made the payment, the balance wasn't written off and lower to zero. I still had an balance. This company deceive me and giving my false information in reference to a debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The credit bureaus are reporting an inaccurate information on my credit report. Those inaccurate information affects my job and livelihood. I sent them letters to investigate properly but kept on receiving inaccurate report. I always pay on time and was never late on all my payment dues. Below are the accounts that affects my credit score : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts, nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and it's been over 60 days.

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