BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX - Account # XXXX In accordance with the Fair Credit Reporting Act. The above listed account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX Account # 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/18, I called Nissan Motor Acceptance Corporation to discuss my account and asked if it had reported on my credit report as late. The representative rudley said yes, uhhhh your 32 days late. He then asked why I was late but shocked by his rude response it took me a minute to get myself together and respond. I asked if I could make a payment over the phone to bring it up to date and he explained all the fees. Since I felt he was rude i hung up as i could not finish the conversation. I then called back and talked to XXXX who i explained the situation to and he left me on hold for over 20 minutes. I then called back a third time and spoke to XXXX who explained that i can call XXXX  and tell them to tell Nissan to remove it. I asked him that if Nissan is the reporting agency, XXXX  will tell me to call Nissan so why would I even call them? He then transffered the call to the supervior ( i didnt get his name ) who explained they couldnt remove it and doesnt even know if it has been reported or not since their department doesnt do the credit reporting. I asked if you dont know, why did the first reperesentative tell me that it did? He was not apologetic at all and then when I said it wasnt right for the rep to give me false information, he said it wasnt false which contradicted what he just explained by stating they dont know what is reported as a collection agency. He then was talking over me as i was speaking and the phone call eneded when i told him that it was XXXX. I understand that I was late but the way all of the reps went about it was rude and unprofessional and I will do everything in my power to not do buisness with them ever again and to get my current loan out of their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I spoke to a rep of Wells Fargo whom was questioning me about my request for a settlement. Basically, he repeated the same things they have been saying Wells Fargo lost money too. I have been going on with this issue for years and have been complaining to the bureau for 3 long years. I thought at a certain point I lost my property. Many would have quit paying the mortgage. Not me, always loyal to them. I gave them their dues, but what about mine? As a customer, I have rights as well. They should make me feel important. Without customers, they don't have a business.

They told the bureau they need more time. I have heard that millions of times from them. Soon, I will take a picture of all the letters to postpone resolution of the case. I can not keep up with the mess. Most of them are thrown away. It is a lie. Who is going to help me against Wells Fargo? Someone needs to make them accountable for their mistakes towards me. It is wrong what they did to me, and they will not do anything until an established institution intervenes. That is why I keep on making complaints. Please, help!

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 monetary relief
Consumer complaint received 2023-01-19
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 ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2020-07-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company XXXX reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days XXXX which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXX ) it was current, nothing past due. So XXXX mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
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: Account information incorrect

Complaint:
I previously contacted Experian to dispute the following items on XX/XX/XXXX and as of today the items have not been updated which is past 30 days which I thought by law they were to remove the items disputed. 

XXXX  ( acct # XXXX ) is showing activity after it was closed and showing it was included in a bankruptcy XX/XX/XXXX which is inaccurate. I have asked to have this item verified and its been past the 30 days. 

XXXX  XXXX XXXX XXXX ( XXXX ) is showing a 30 day late which is inaccurate and I sent documents showing a payment receipt 21 days after the due date which is less than 30 days late. I have asked to have this item to be verified and its been past 30 days. 

XXXX ( acct # XXXX ) is showing late for the month of XX/XX/XXXX and XX/XX/XXXX and other multiple lates. This account should have no activity for the year XX/XX/XXXX since it was completed in XX/XX/XXXX. It actually states it was included in bankruptcy in XX/XX/XXXX! Even that statement alone is in conflict of a late being reported in XX/XX/XXXX! I have asked to have this item to be verified and its been past 30 days. 

XXXX XXXX XXXX ( acct # XXXX **** ) this account isn't mine and was deleted from my XXXX  credit file. it shows being included in a chapter XXXX bankruptcy which is inaccurate. I have asked to have this item to be verified and its been past 30 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 2018-08-04
Company: EQUIFAX, INC.
State: MI
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:
I have been trying to dispute many collection accounts that were inaccurate and or falsely reported on my three credit reports with very minimal results until I submitted complaints with the CFPB and got results from both the credit bureaus and the actual collection companies. But, Equifax still has an account listed as open and with balance in collection! I had disputes listed with Equifax and even get email correspondence stating results are posted ( for only a few more days now ) and yet I can not even log into the website with my personal info and unique Confirmation Numbers!? I keep getting the same error message of : We are unable to Process your request ... .. 
My results from using CFPB even had the collection agency replying saying they have sent corrected and updated info TWO TIMES to the credit bureau and yet still listed at Equifax? I would like to know ( view ) why Equifax has not fixed this, but unable to even re-dispute ( send more documentation ) anything without access to their website?! I have contacted their customer service only to be told I must contact them directly? I thought I WAS contacting them? Do I need to show up in person for a meeting? This is ridiculous! 
Needless to say, during this long process I have been denied for leasing on living arrangements due to all this wrong information and the needed points were not gained/showing to grant me loans/application approvals. 
I have attached my documentation and screen shots of Equifax error message, correspondences and account numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Online XXXX XXXX matured on XX/XX/2021. On XX/XX/2021 I called CAPITAL ONE at XXXX online banking and spoke with XXXX who said that he will close my XXXX XXXX account and send my check to my address on file. I called on XX/XX/2021 since my check did not arrive, and I was told to wait another week since the mail is slow. I called with my daughter on XX/XX/2021 and spoke with XXXX who said he will cancel the check which was never delivered to me and send out a new check. XXXX said to wait 7 days for the check to arrive. I called on XX/XX/2021 and spoke with XXXX who put me on hold for over 15 minutes without coming back to speak with me. I called again the 800 number and was transferred to XXXX, manager who said there was no record that a second check was sent. She said she will have the matter investigated and send out a check via XXXX in one business day to my home address. She said I may have to fill out an affidavit and it will be sent to my email ; however, Capital one has not sent anything to my email address on file. My check did not arrive in one business day as XXXX said it would. It is going on TWO ( 2 ) MONTHS since my XXXX account was closed and Capital One has NOT sent me my money back. Today is XX/XX/2021. I am in my XXXX 's, and I have medical bills to pay. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-10-16
Company: U.S. BANCORP
State: AZ
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 paid off a charged off account with US Bank this summer ( 2020 ) and was assured by US Bank that they would report that I owed a XXXX balance because we came to a settlement amount. It was paid and they sent me a letter stating the account was settled. They continue to report me as being late every month as well as having a balance owed. I have disputed this with all 3 credit bureaus and Us Bank keeps reporting that I owe a balance AND they keep reporting me as late! This is inaccurate and against the law. My wife has contacted them multiple times to correct this inaccuracy and they have assured us that they will fix it in 30 days but its been months of this and they continue to falsify information to the bureaus. Meanwhile my credit score drops monthly due to their inaccurate reporting.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I called both the creditors and Transunion to get some incorrect hard inquiries removed off my credit report, first creditor , XXXX  XXXX XXXX, told me they could not help me and there's nothing they can do about an inaccurate inquiry ; i called back a second time and they bounced me around 8 times and eventually hung up on me. The second creditor to the other inaccurate inquiry simply will not answer or return my calls or emails. I turned to TransUnion to help get these removed by phone and they told me I have to get a letter of deletion and they have to mail it only to get them to delete my inquiries which is not what the website says and I believe they just lied to me. They told me to contact to the creditor because it's not their issue to deal with. I can't believe this is a credit bureau in America. The inaccurate inquiries I need to be removed are as follows : 1. XXXX XXXX XXXX - Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX 2. XXXX - Institution Information XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/2019 I think this was fraud or credit pulls without my permission, i don't have any products with 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 2018-08-05
Company: Williams & Fudge, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Ive notified this company of my XXXX and that Im classified as collection proof. Im still being contacted and the company continues to attempts collection on a 7 year old debt Im not liable for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Someone sent me {$25.00} on XX/XX/XXXX through cashapp. I saw the notification on my phone but did not cash out immediately. When I went back a few days later, the money was not there. When I clicked on the transaction, it said it was waiting on the person to complete the payment. The person who sent it stated that they had taken the money out of her account and that on her end, it said they were waiting for me to accept it. She has spoken with them several times and they keep confirming the amount was sent and that I just need to cash out. However, there is nothing there to cash out. I have contacted them myself and have not gotten a response. Ironically, the transaction has now disappeared from my list of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CBC Companies, 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: Investigation took more than 30 days

Complaint:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute  XXXX XXXX XXXX all filed to the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
2 months ago I wrote to XXXX XXXX XXXX, after it came to my attention theyve been furnishing data to you thats put on my credit reports, stating Im responsible for two collection accounts with them, which at that time, was the first I had heard of this company. I sent them certified mail ( see letters, receipts attached ), Directly Disputing these accounts, and furthermore requested they provide verification and validation proving I was legally responsible for these accounts theyre fraudulently reporting. They received my initial request and still to this day have not responded to that initial certified letter. After 30 Days I wrote them, giving them notice that by failing to respond, the law required they stop and remove credit reporting for those accounts. Their continued reporting of the two accounts is a violation of federal law, and as a natural person and consumer, everyday they continue credit reporting- they slander and defame my name and reputation, dragging it through the mud, and directly hurt my family and Is financial well being.

I am making you aware of their dishonorable actions and continued violation, so you can correct this issue. If the issue is not handled and the two accounts removed after seeing this formal complaint- you could be held liable for non compliance - by continuing to furnish credit reports with these accounts on them. Please and thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05
Company: WELLS FARGO & COMPANY
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a Wells Fargo PMA account for over ten years, I removed money and told them to close my account. They did not close account as directed, instead they converted my checking account to a fee account. They have settled a lawsuit for doing this same thing already and they are continuing do this. The Bank regulator FDIC should be notified and this bank should be fined again, 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