BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Wells Fargo no longer provides XXXX XXXX payroll services. I've been trying to get my 1st quarter tax report for 2019 for over a month to submit to my new payroll company. I've called many many times. I went into the bank 3 times. They said they would email it it me and they haven't. 
I need this report to pay my current employer and employee taxes.

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 2017-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I 'm typing this email because I need your help, Chase has placed me under a short sale since last yea r (   XXXX    XXXX   ). a buyer made an offer and after several months waiting for an approval Buyer decided to move on.  <P/> So at that point we reach out to a back offer that was made and we submitted all documents. Chase told me that my application for a short sale will be reviewed with the new buyers offer.  <P/> After 7 months now waiting for an approval, Chase now decides to deny my application because they could n't identify me.  <P/> I was like what are you talking about??? Chase is now making excuses to foreclose on my home. I have asked them what do they need from me.  <P/> Chase keeps telling me that they do n't have the details but my application for a short sale is denied. Now I 'm at risk of getting foreclosed on just because  Chase  is playing games.  <P/> Please all I 'm asking is help to get this short sale completed, as it is I have to move out of the property and Chase keeps playing games with our home.  <P/><P/> Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
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:
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.

has violated my rights. Or list of inquiries 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 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 2023-08-23
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo sent my loan to an attorney for Foreclosure without properly assisting me with payment options. I have been trying to get help through the XXXX XXXX XXXX XXXX. I applied in XXXX, and have not heard from them yet. I was able to make a mortgage payment in XXXX. Every time I talk to Wells Fargo, everything falls on deaf ears.

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 2019-10-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CFPB 1. USAA continues to lie to me and commit fraud. After talking to many tax attorneys, Certified Public Accountants, reviewing IRS documentation, and watching many videos on the subject it is clear to me that once a 1099-C is issue and a debt is forgiven or canceled the lender can not continue to attempt to collect money from the borrower ( double jeopardy ).

2. After the Great Depression the government passed many laws to protect the American people. After the Great Recession of 2008 the government again passed many laws to protect consumers and borrowers from predatory and unfair lending practices. Many were lost everything and were left homeless like myself. 

3. I had two loans with USAA. One Home Equity Loan ( HEL ) and one credit card loan. The home equity loan debt was resolved and settled by USAA in XXXX and a 1099-C was issued by the IRS. The credit card debt was resolved and settled by USAA in XXXX and a 1099-C was issued by the IRS. USAA has continued to try to make me pay for these cancelled and forgiven debts. 

4. In XX/XX/XXXX USAA said they had a right to change the 1099-C ( false and fraudulent act ) and demanded that I pay {$4600.00} to settle the debt. I did not know better so I paid them. Now they want me to pay the {$54000.00} for the HEL that was forgiven and cancelled in XXXX. 

5. USAA is committing fraud and unfairly taking advantage of veterans and their families. Ive tried to settle this with USAA for several months and they keep giving me false information and making illegal and unreasonable demands. They are in violation of Consumer Financial Protection Bureau ( CFPB ) and Fair Debt Collection Practices Act ( FDCPA ). 

6. I am providing copies of the 1099-Cs and other reference material that clearly explains the law and supports my position. Please take appropriate action against USAA and get them to refund me my {$4600.00} that I gave them when I did not know this debt had been forgiven, cancelled, and resolved by the IRS and USAA. 

V/r XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-03-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These are a list of fraudulent accounts and inquires per bureau XXXX XXXX XXXX   enforcement {$350.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  Inquiry XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX  XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$940.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX ( XXXX ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1300.00} XX/XX/XXXX XXXX XXXX  {$550.00} XX/XX/XXXX XXXX  XXXX   {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. Equifax, XXXX and XXXX for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( XXXX ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX North Americas XXXX XXXX Vice President and Associate general counsel - ( EQUIFAX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( XXXX  ) XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX   vice president and division gen counsel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Westlake Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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.

has violated my rights. Or list of inquiries 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 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 2019-12-30
Company: General Motors Financial Company, 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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, This is my third time filing this complaint about Experian. I have recently been informed that there is negative information reported in the file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see a negative entry for XXXX XXXX on account # XXXX. 

Experian claims they contacted the data furnisher to verify the accuracy of the information with which I disagree. Experian further claims the data furnisher has verified the accuracy of the disputed information and the results summary was sent to me, XX/XX/XXXX, for review. 

Please do not base your decision on a previous investigation. I have attached pertinent information supporting my request! I am enclosing an official statement on company letterhead from XXXX XXXX XXXX dated XX/XX/XXXX indicating account # XXXX has been paid in full and should be removed from my credit profile immediately. Whatever investigation Experian conducted before is null. 

Once again, I challenge the accuracy, compliance and reportability of this listing. I implore you to have Experian validate this information with the original creditor and provide me with copies of any documentation associated with this account. 

I formally request that this information be immediately deleted from the credit file maintained under my Social Security number. Please do not allow Experian to continue reporting this inaccuracy. This is against the law! 

Your prompt attention to this matter is greatly appreciated, 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 2023-10-13
Company: Experian Information Solutions Inc.
State: AZ
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:
Hello CFPB, I am filing this complaint on the three credit bureaus. 

I am informed Experian, XXXX and XXXX XXXX XXXX XXXX was result of Identify theft.. 

Each credit Bureau informed me they sent my dispute to XXXX XXXX XXXX and it can take up to 30 days to be investigated. 
: My complaint is regarding the following statue : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 15 U.S. Code 1681c2 says the following : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I want to remind all CRA of statue 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account 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 listed account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$270.00}.

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 explanation