BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: SC
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:
COMPANY XXXX XXXX AND EXPERIAN, THAT WAS BUILT OFF OF SLAVERY, CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. XXXX IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. XXXX AND EXPERIAN HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS XXXX XXXX IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX  ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY XXXX AND EXPERIAN AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not my accounts. I have never lived at the address where some rental place is saying. I am a victim of identity theft. I have provided my personal documents with my information and I can assure you that I am not a mortgage company nor am I a credit repair company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-02-27
Company: EQUIFAX, INC.
State: MO
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 customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX : # XXXXXXXX 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 XXXXXXXX  XXXX XXXX : # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a customer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no customer reporting agency may make any customer report containing any of the following items of information any other adverse item of information, other than recorded of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo Bank posted someone else 's check to my business account on XX/XX/XXXX. My business account is for my business called XXXX XXXX XXXX and carries this title on the account, not even close to the check attached which says " XXXX XXXX '' as you will see. 

I reported the bank error to Wells Fargo by phone on XX/XX/XXXX, and spoke with their fraud department. They verbally acknowledged the check did not have my account number, or my name on it, and that it was clearly a bank mistake. The representative even said the account number was close to mine, but not my account number. There was no question, this was a posting error by Wells Fargo Bank which was investigated immediately during my phone call with their fraud department on the XXXX of XX/XX/XXXX and this was reported to me during that call as a confirmed bank error. 

They proceeded to open a claim and push it through their 10 day process and noted the transaction as " don't remember this transaction '' and are holding my money for 10 days while they allegedly research the transaction, citing Regulation E. 

Clearly I don't remember the transaction because it's not my check. 

I believe Regulation E indicates the following : " ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. '' Note : Wells Fargo determined an error occurred when I phoned them on XX/XX/XXXX. 

As of today, XX/XX/XXXX, it has been 5 days since the initial report and completion of investigation that determined it was a bank error. Wells Fargo has failed to reverse their error. 

I phoned the bank and spoke with XXXX who told me she was an accounting major and that they had 10 days per Regulation E to research my claim. 

I feel that Wells Fargo is employing uninformed staff and that they are mis-representing the situation and are holding my money for 10 days when it was clearly their mistake, and they completed their findings during my initial call on XX/XX/XXXX and acknowledged their error to me. 

The check is small, but I fear that this type of mis-handling of my funds at Wells Fargo could easily happen for a larger amount that would impact my working capital for my business as this happened on my business checking account. I have concerns about Wells Fargo 's process that would allow another person 's check to post to my account, and their lack of timely response for resolution.

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 2018-12-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, On XX/XX/XXXX, over XXXX dollars was taken from my checking account with Chase bank through a fraudulent XXXX transaction. I was told the issue would be resolved in 10 days by multiple agents including at the branch itself. They gave me a temporary credit of the money after I complained about the wait time but they made it clear that if they determine me to be at fault for this hack, they will automatically withdraw the money from my account again. 
Last week I called Chase because they accidentally put an extra XXXX dollars in my old account from a bank error ( admitted on their end ) and told me that I will just have to wait it out. I told them that the account was compromised and I needed the money out ASAP since it might just be taken again. They couldn't help me and I just needed to wait for it to be resolved which took over 24 hours. Luckily the money DID disappear ( I'm assuming Chase did it ) but they are still crediting money to the old hacked account ( such as vendor refunds and such ). On the same call I asked for a status on my claim and they told me I have an expected resolution date of XX/XX/XXXX. After I told them about how I was quoted 10 days, I was told they couldn't help me and after I asked for a manager, the rep refused to transfer me. I get that I have a temporary credit but this is money I can not spend since they made it clear they could take it back if they decide that I was at fault for the hack or they think it was valid. 
I've provided the email explaining the temporary credit and two call snippets. One admitting that they put money in my hacked account by mistake and the other telling me my resolution date. 

-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a mortgage refinance with Better.com They gave us a rate lock and charged us for a home appraisal. They sent us a loan estimate. Regularly, our loan estimate and closing cost went up. They said it was because they needed to add more funds to our escrow. We received an email that said we needed to explain why our current mortgage was in forebearance or default. We explained that it isn't and that we have never missed or been late on a payment. We asked where they were getting that information. They said it was on our credit report. We pulled our credit report. There was nothing of this nature on it. They said we needed to contact XXXX and have a 3 way phone call with our mortgage lender to explain that everything was good and up to date. We attempted two times. XXXX said that would return our call when they could reach our lender. This happened two times and we never heard from them.

The appraiser had also visited our home a couple of days after we made application for the refinance. Then, 2 days prior to the expiration of our rate lock, Better said they never received the appraisal and had results from XXXX, so we would have to extend our rate lock at no additional charge to us. The very next day our closing costs increased to over {$16000.00} almost {$8000.00} more than the day before. They said it was because our payoff was higher than expected. It was in fact less than they originally quoted. Rather, they tacked on origination fees and points even after they said we would not be charged any additional fees because it was their fault we were running behind. Our appraiser said they canceled him after he did the appraisal and that they dropped the ball. Better said he wouldn't return their calls. Again, false. I told them to cancel because this was unfair and we were facing false accusations that caused us to not be able to obtain our refinance. They said they would return our appraisal fee of {$550.00}, but they have not done that either. We are frustrated because this refinance would have saved us over {$70000.00} over the life of the loan. We would have gone with another company rather than have them collect our data, photos of our home and hit our credit with a hard pull. They made us turn in a great deal of personal information, knowing they were not doing what they were supposed to to make the loan work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name # XXXX Account name # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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 2022-10-25
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initialed an external bank transfer of {$15000.00} on XX/XX/2022, at XXXX XXXX through Citi online and canceled it on XX/XX/XXXX at XXXX XXXX through Citi online. I received the cancellation confirmation, but the fund is unavailable ( pending ) until XX/XX/XXXX. I have called Citibank six times since XX/XX/XXXX and chatted online several times, and each time I was given misinformation : many agents told me that the transaction would be settled within a day or two, and an agent even transferred me to the dispute department who told me that I need to file a dispute instead. The information is very confusing and contradicts each other. I filed a previous complaint on XX/XX/XXXX ; the company responded on XX/XX/XXXX, but misstated that the cancellation request was done " through a third party '' and thus " may take up to 3 to 5 business days. '' In fact, the cancellation was requested through Citibank. Moreover, the {$15000.00} fund was pending for two weeks, much longer than the timeline.

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 2021-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Checked my free annual credit reports on XX/XX/21 and on the Experian report only I found a Soft inquiry from IDES  Batch on XX/XX/21. I do not and have never received unemployment benefits from the State of Illinois and have never seen it on my credit reports. Went to the IDES website and was alerted to may scam/phishing issues happening to Illinoisans. Please look into this. Its a form of identity theft. Thanks.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: GA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-01-07
Company: Specialized Loan Servicing Holdings LLC
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 was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I  have been receiving notices from a Collection Agency ( XXXX XXXX XXXX ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to SLS ( Specialized Loan Servicing LLC ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX  '' not SLS. I have been told that SLS has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of information.

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 2018-02-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX and I was involved in the Equifax security breach which included a change in my birthdate and some inquiries that do not belong to me at all, I called Equifax and they told me what to send it to change information, I sent in all the required information via fax just like they ask and I received a response back that they were going to update my information and remove the inquiries I ask to be removed this was back in XX/XX/XXXX. I recently viewed a completely updated copy of my credit report that was supposed to be updated from XX/XX/XXXX and it is not updated. I called Equifax yet again and they refuse to budge on removing the information and are requiring another copy of the same information I paid {$26.00} to have sent to them. I was not informed at all of the breach in my information, I found out when I got denied a loan that this was what was wrong with my Equifax report. I have called several times and can not get any headway with them at all, and I am not paying another {$26.00} to send them certified mail again when it was already supposed to be changed and I received the paperwork to have it changed. This is ridiculous. Because of Equifax this is having a negative impact on all 3 of the bureaus reports. I am upset they did not inform me my information was corrupted and that I had to find out on my own, and now they are refusing to budge and change the information to the correct information and remove the improper inquiries off my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, 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:
I attended XXXX  XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
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:
In Accordance with the Fair Credit Reporting act. 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attended XXXX  XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.

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