BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XXXX XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact XXXX, XXXX and Trans-Union via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from XXXX   and Trans-Union requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that I NEVER requested from XXXX and XXXX ( Trans-Union 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, 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 explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2020-01-24
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Professional adjustment company Debts XXXX I spoke with this company and was told to come there to match signatures with the forms they show and my driver license as I was on my way the lady told me don't come because the computer was down to come a couple of days later I called her and called she insisted that I didn't need to come.I disputed this with the credit bureau to no avail please help this is my last resort before I take this matter to Court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Should credit transactions be on my consumer credit report? 

Should XXXX be reporting my personal information from third parties without my consent?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: WELLS FARGO & COMPANY
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:
A couple of months back I filed a dispute because I had a wells fargo secured card on my credit report. The secured card was an account that opened in XX/XX/XXXX. However, I had never got a secured card in XXXX from wells fargo. I received a letter from Wells Fargo apologizing for the account that was opened and stated that it looks like the account was indeed not mine. The result of me disputing the secured card from XXXX that was not mine, my current secured card from XX/XX/XXXX was closed. My credit report was updated to account closed because customer dispute. 

I immediately called and said that was not the account that you were supposed to close. I spoke to a few rep who eventually helped and said my account should be reopened. I checked my credit report and the account is opened. 

However I just called and a rep stated that my account is closed. My online profile has my account as opened with an available balance. I just opened a wells fargo case the number is XXXX. This is so confusing and I feel like no one knows what is going on. The account is open everywhere but is Wells Fargos system. 



WELLS FARGO CARD SERVICE Last reported XX/XX/XXXX {$450.00} Reported balance Credit limit {$500.00} You're using 92 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$25.00} Opened XX/XX/XXXX ( 3 yrs, 5 mos ) PAYMENT HISTORY You've made 93 % of payments on time Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status 30-59 Days Late ACCOUNT DETAILS Account status Open Type Secured credit card Responsibility Individual Remarks Dispute resolved ; customer disagrees Times 30/60/90 days late 3/0/0

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 2020-01-24
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ENHANCED RECOVERY COMPAN 11 XXXX Is trying to collect a debt from XX/XX/XXXX. They have open an account on XX/XX/XXXX on my credit report stating I open a new account. I have not open any account with XXXX in XX/XX/XXXX. I have disputed this on XXXX and the collection agency stated is refusing to delete from my records. I have no knowledge of this account and want it taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: CA
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 complaint to XXXX, XXXX and Experian denoting that I had been a victim of identity theft by reason of lack of consent and permissible purpose ( 15 USC 1681b ). I attached an FTC identity theft report along with all the alleged accounts that were being furnished on my consumer report. According to 15 USC 1681c-2, information that has been identified by the consumer ( me ) to be a result of identity theft must be blocked within 4 business days of the receipt by such agency. It has been 30 days and I have yet to have the information blocked as well as I have not been able to garner a response from any of consumer reporting agencies. These are clear violations of the FDCPA.

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 2017-11-07
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: Investigation took more than 30 days

Complaint:
I spoke with a representative twice @ Equifax. Once inXX/XX/XXXX and againXX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IL
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 earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: TN
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 told Experian, XXXX, and XXXX to reinvestigate these accounts. XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX XXXX # XXXX ) I don't know which one is the right account number because all of these accounts are reporting inaccurately. How is it that the account numbers, open dates, balances, account types, date of last payment, and date of last activity be reporting inaccurately? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 A : States that I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency can make any other consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they are not in compliance with Metro 2 credit reporting. I have attached evidence to prove my case.

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 2021-03-22
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
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/XXXX I opened a checking account with Wells Fargo, on the XXXX I had roughly XXXX deposited in to the account! XX/XX/XXXX I tried to withdraw money from the account and my card was shut off! This morning, XX/XX/XXXX I got a letter in the mail Dated XX/XX/XXXX that I can't use my account due to a low credit score! In the meantime, they have all of my money and won't release it to me! I can't eat or buy gas to even get to work! It's all the money I have in the world!

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 2020-12-17
Company: ALLY FINANCIAL INC.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a new account at Ally Bank. I needed to make a car payment through my old bank. My intent was to send money ( {$300.00} ) to my girlfriend via XXXX and have her send it to my old account. XXXX has always been instant, but after three days, my girlfriend still has not received the payment. I moved cash to my old account and paid that way. Now, I made a XXXXXXXX XXXX in 4 payment with the same checking account for XXXX dollars. One came out at XXXX XXXX on XX/XX/XXXX. It came out again today, XX/XX/XXXX also at XXXXXXXX XXXX. I only have one transaction showing in XXXX but two debits in my checking account for that amount. Ally has not responded to my complaints about either issue. It hasn't been that long but I have {$450.00} that I do not have access to currently because of this. 

Ally also claims that they do not see a record of *any* transaction from XXXX in this amount. In the attached screenclip, the payment from the XXXX is the one that is in my XXXX history. The one from the XXXX is the one that is unaccounted for. Again, the Ally agents claim there is no record of either in my account.

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 2017-11-07
Company: GREAT LAKES
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:
XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX XXXX XXXX, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Monday, XX/XX/XXXX. a check was delivered to PHH Mortgage services, overnite payment office, received by the receptionist. Verified by XXXX XXXX, the check was for XXXX for XXXX and XXXX payments. I called on XX/XX/XXXX to verify and ask why it was not posted, the agent said he would send a message to cashiering dept. I emailed on Monday and Tuesday to the relationship manger email. I received two responses stating they received my emails. Today XX/XX/XXXX I have yet to receive any response or resolution. 
I called on XX/XX/XXXX and spoke to another agent checking on the status of the payment and if it was posted, I git the same answer, they are working on it and give them time. I called two more times, I requested an escalation manager on XX/XX/XXXX. Agent number XXXX, he said he will email cashiering and get back to me. He did not return my call XX/XX/XXXX or XX/XX/XXXX. I called on XX/XX/XXXX and spoke to agent XXXX, escalation manager, she rambled on about it being a process and they are working on it and there is no way to get a hold a chairing except through email. I was furious and said how the XXXX does it take one week to post a payment. This is illegal, this is disgraceful. So I wasted money on a XXXX XXXX  and wasted time and emotion all week trying to get payment posted. I need resolution. 
XXXX XXXX PHH 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 2023-01-04
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:
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. 

XXXX XXXXXXXX - {$0.00} XXXX XXXX - {$5800.00} XXXX XXXX - {$2700.00} XXXX XXXX XXXX - {$290.00} XXXX XXXX XXXX XXXX - {$210.00} XXXX XXXX XXXX XXXX - {$78.00} XXXX XXXX XXXX XXXX - {$1500.00} - all XXXX XXXX XXXX XXXX - {$4200.00} XXXX XXXX XXXX - {$1600.00} 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received marketing email approximately XX/XX/2023 that stated if I share a link with my friends and family, and they get approved through this link, I obtain XXXX bonus points. My mother-in-law used this link, was approved, used the card, and has already received her bonus points. I called on this multiple times and the requirements kept changing ( must use car, must be billed, etc. ). I closed my account on XX/XX/2023 because they kept saying they were going to escalate this issue ( three separate calls ) but the marketing department never followed up on the misleading advertisement and provided the XXXX points earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2021-11-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have a credit freeze on all credit agencies- Experian, XXXX, and XXXX. 
The latter make it very easy to remove the credit freeze from their web site. On the other hand, Experian does not have ANY information or link on their web site - i.e., my account - regarding how to remove the freeze. They DO market their XXXX feature that costs money without mentioning the FREE freeze feature. I had to literally call a Support person who separately sent me a link to remove the freeze. 

Being able to FREEZE your credit report is supposed to be a free feature - YET - Experian is trying to take advantage/hide this free service. That is not right.

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 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Closing on a mortgage

Complaint:
Some how around 2011 my mortgage was bought by XXXX XXXX and during that time I had filed a Chapter XXXX and since then I have completed it almost a year ago! I have asked for payment statements and I have not received one to  this day and yet I still send in my payment. I have asked why there is no record of my payments being made on my credit records and I have not received an honest answer 4 different answers from 4 different people! I also dont understand where almost {$50000.00} has been attached to my loan.

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