BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: FL
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank allowed my ex-husband, XXXX XXXX, to deposit two checks made payable to both him and me with only his signature. I informed Chase Bank on more than one occasion that my ex-husband deposited checks made payable to both of us and that he refused to pay me my 1/2 share of the checks. Check # XXXX in the amount of {$3800.00} and check # XXXX in the amount of {$38.00} were accepted for deposit by Chase Bank with my ex-husband 's signature only on XX/XX/21. 

The checks were accepted for deposit by Chase into my ex-husband 's Chase Bank account ending in # XXXX and not our joint checking account ending in # XXXX that was left open in order to deposit checks made payable to both of us following the finalization of our divorce. Chase told me that there is nothing they can do although they accepted the two checks with only one signature and that they do not have a reporting procedure for checks accepted for deposit under fraudulent circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 1 5 USC 1681. 

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 : 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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 unverifiable things on my credit report. To this day over 120 days later I have not received a response verifying the unknown items on my report. I feel like I'm being taken advantage of and being ignored by my disputes. 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 fraudulent accounts. 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. I demand these accounts be deleted immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and 617 regarding the continued willful and negligent noncompliance. My information was also impacted by the XXXX data breach and may have gotten 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 non-monetary relief
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
last month i see in my statament {$850.00} mount that im not withdraw, i went to the bank and they dont help me, i need to check the person who did it and i need the money back

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 2020-09-13
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 XXXX XXXX Attention : Customer Service I am writing about a matter about a teller 's check of {$2500.00} that arrived at Planet home lending on the date of XX/XX/2020 that has not been applied to my account.. It arrived via USPS. My bank verified this information for me. I have spoken to multiple customer service representatives regarding this matter and each one has told me to wait another week. 

I sent in a written e-mail detailing this situation on XX/XX/2020 to Planet home lending. I have not received a follow up communication about the matter. Between XXXX and XXXX, I have spoken to customer service representatives who have told me, " Don't send it anymore payments until this is fixed, '' " Don't send your payment in through a bill pay, '' " A lot of people were laid off due to COVID. '' I called my bank and they were able to tell me the tracking number of the USPS delivery, date of delivery, verify the amount of the teller check, verify the address it was sent to, and proved me with the check number. 

I had spoken to a customer service representative on XX/XX/2020. He told me that I needed to send in the front and back copy of the canceled check. I told him that the teller check has not been applied to my account in order to supply that information. He told me that I needed to e-mail the XXXX in order for research to be done. I asked him if there was any other information I needed in order to move forward because not one customer service person told me that those were the steps I needed to take. He verified that the address my bank sent it to was in fact the correct address, listed above. 

I sent the e-mail with the information of the {$2500.00} teller check not being applied to my account in writing on XX/XX/2020. 

I spoke to a customer service representative on XX/XX/2020 and informed her of the countless phone calls I have made to Planet Home Lending to follow up on this payment. This representative said that she was able to read the notes of previous conversations but to give them until the end of the week. I have been put off for countless weeks with no resolution, with each representative telling me something different. 

I will be looking forward to a service representative calling me with information resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: SECURITY FINANCE CORP
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
15uscsection602a right to privacy 15usc1681section 604acannotfurnish a accurate report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: EQUIFAX, INC.
State: NJ
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 have been trying to dispute several credit accounts on my credit report as fraudulent. But for some reason I have been unsuccessful with being able to dispute those account with this credit bureau. The accounts that I want disputed are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts I want to dispute as fraud. My ID was stolen and I did not give authorization for any of these accounts to be opened. I have attached an FTC Affidavit. Please forward an updated credit report with these account and inquiries moved off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received support from Wells Fargo during the COVID-19 impact and had some issues with them processing transactions on the account. I had been in contact with XXXX XXXX during this period and as indicated during the previous CFPB complaint and we came to a resolution that satisfied what I was looking for in terms of moving two of the payments to the end of the loan. I came out of the COVID assistance program one month early and began making payments on my account in XX/XX/2020. On XXXX XX/XX/2020, I was told to call Wells Fargo to request the payments from XXXX and XXXX be moved to the end of the loan and I made this phone call as requested from XXXX XXXX, and as of XXXX XXXX, the payments still have not moved. 

Out of fear that Wells Fargo would report the account as delinquent because the noticed indicated that I begin making regular payments on XXXX XXXX, I made an arrangement for the payment on XXXX XX/XX/2020. On XXXX XX/XX/2020, I reviewed the account and noticed that Wells Fargo instead on applying the payment to the account, they placed it in a Hold Status because the account was still showing the two deferred payments from XXXX and XX/XX/2020. 

I have attempted to reach out to XXXX XXXX on several occasions and have not received any response back. I believe that this notice that they sent me was just to keep me quiet, but in the end, my account will be reported as delinquent because they have not held up to the promise to move the payments to the end of the loan. I feel that I may have to request COVID assistance again because of this and my inability to make the 2 payments at once which is the reason for the request to move the two payments to the end of the loan. 

I have attached the initial response from XXXX XXXX to this complaint and I have sent an email back to Wells Fargo indicating that I intended to file another complaint against the company. My loan was current at the time of the COVID assistance and now I feel that Wells Fargo will attempt to say that my loan is not current now because of them not applying the payment to the 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 2022-08-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The following account ( XXXX ) exceeds more than seven years ; which violates the statutory time period under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ) from the date of its alleged delinquency, and should be removed IMMEDIATELY. In addition, XXXX XXXXXXXX XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$290.00} Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ), the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

Sincerely, 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 2021-11-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
PayPal has refused to release my funds after it was held for 180 days and yet theyve refused to let gain access to it I need this money to pay my rents and bills I tried calling them and they couldnt provide solutions these peoples are invading my civil rights which Im going to take up a legal action if theres no solution as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Information belongs to someone else

Complaint:
I am writing this letter requesting that my file be removed from the consumers affairs department. I was informed by the consumer affairs department that the reason I'm in that department is due to an issue that occurred in XXXX. Due to the timing and the fact that it has been long been resolved.

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 2020-05-11
Company: EQUIFAX, 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 status incorrect

Complaint:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a high balance with my Chase credit card, for which they charge me 27.4 % interest. Today ( XX/XX/XXXX ) I tried to register for Covid-19 relief assistance with them, hoping to stop paying so much interest until I am again employed. 
They do not offer any such option, instead giving this draconian " relief : '' " Keep making your payments if you can. We'll continue to charge interest according to the terms of your account ... we'll consider your payment history ... and may cancel or restrict available credit lines. '' It appears their ONLY offer is to delay your payments or to lower or restrict your credit lines?? Neither of these things is remotely helpful when you have no income coming in, and in fact they are both extremely harmful. Payments need to be reduced, the astronomical interest rate needs to be suspended, other arrangements need to be considered. 
But Chase does not offer any help in those areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-07-26
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello my name is XXXX. I am XXXX years old and I live in New York. When I was XXXX my older brother and I went to a {$30000.00} College in XXXX called XXXX XXXX.4 years ago I got a job as a XXXX. About two years ago I started getting garnished by a company called XXXX and XXXX for my private student loan which was XXXX. To make matters worse I find out that my brother 's Federal College loan I am being charged for. Navient owns my private student loan which was XXXX and they also own my brothers Federal {$30000.00} student loan but they both are being charged to me. so I'm now being charged XXXX for the private loan ( being garnished for that ) and I'm losing my tax return on for my older brothers federal student loan for XXXX that I didn't co-sign for and didn't have the ability to due to the fact that I was not working and I was only XXXX years old. As for the private loan that I took out for my XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX NY, I could not afford to repay the loan when it was originally obtained. 
I was misled about the loan. 
The credit provider knew or ought to have known that i did not understand what was happening and took advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 currently have a XXXX XXXX XXXX XXXX with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, XXXX, Transunion ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!

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