BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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:
I had a Debt with The XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 
I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am a Senior citizen in XXXX County Maryland. 

My problem is not that I cant make my mortgage payment but that Wells Fargo will not allow me to make it! 
I was on their Covid relief sense XX/XX/2020, now I want to return to Making my normal mortgage payments they wont let me. They will only accept the entire amount for all the missed Covid relief months before I can pay the current month. 

I have been trying to make a current payment sense XXXX and only get a run around. They demand documents, I send Them the documents and then they just ask for more documents. It is never ending. They treat me as I were applying for A new loan, I am not, I already have a loan. I have been corresponding with Wells Fargo for 3 months now and am getting nowhere. 

Sincerely, XXXX XXXX Sent from Mail for 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 2020-12-16
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:
On XX/XX/2020 I disputed these accounts with the credit bureaus. It has been over 60 days and the fraudulent accounts are still reporting on my credit reports. I thought the credit bureaus had 30 days to complete an investigation 611 ( a ) and if they don't that is automatic grounds for deletion. Clearly it has been over 30 days. I am stressed out about this and being a victim of the XXXX data breach just makes the situation worse because my information could have gotten in the hands of scammers. These accounts should be deleted from my credit reports.

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 2019-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Had a previous promo with 0 % interest that was about to expire. Thought I paid off the balance, but payment was applied to a different balance transfer that was not to expire until later in 2019. It was my understanding that the payment would be applied to the promotional balance that was to expire first. Spoke to the credit company and they would not correct the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14
Company: FULTON FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX - I filed a complaint with Fulton Bank ( the XXXX, PA branch ) because I was suspicious that XXXX XXXX  ( my ex-wife and commercial lender for Fulton Bank ) had been viewing my banking accounts illegally. 

XX/XX/XXXX - Fulton employee ( XXXX XXXX, NMLS # XXXX ) at Fulton Bank ( XXXX, PA ) contacted me and stated that an official complaint was filed through his manager XXXX XXXX ( NMLS # XXXX ), to various Fulton Bank executives and Human Resources complaint department. 

XX/XX/XXXX - Fulton employee ( XXXX ) at Fulton Bank ( XXXX, PA ) informs me that corporate Fulton wanted more answers, and he identified that XXXX ( ex-wife ) had indeed viewed my personal banking accounts on at least one occasion, marking XX/XX/XXXX as the first time-stamped incident ( we had been divorced since XX/XX/XXXX, with separated bank accounts as well ). XXXX informed me that he was going to research further back to identify more time-stamped views by XXXX on my accounts. 

XX/XX/XXXX - I spoke with both the Customer Specialist ( XXXX  ) and Manager ( XXXX XXXX at the XXXX, PA Fulton Bank about progress on the complaint case, and XXXX asked further questions for their HR/Complaint personnel. 


XX/XX/XXXX - XXXX XXXX from Fulton Bank contacted me regarding my complaint, explaining to me that XXXX looking at my account was a Human Resources matter that is being looked at by HR and executives at Fulton Bank. He also explained that he would not be able to share any information with me regarding actions taken, but assured me that this will be taken seriously. He offered no resolution for their employee/my ex-wife for looking at my accounts illegally, and thanked me for my loyalty to Fulton Bank XXXX XXXX Fulton Bank phone number is XXXX. 


I do not feel that Fulton Bank is providing any answers or any resolution for me in regards to their employees invasion of privacy into my personal banking accounts. They will not provide me with any printed information about who has viewed my accounts when I ask. At best they are brushing this under the carpet with hopes it just goes away. This is bad business, and they are still employing this employee ( my ex-wife ). Nothing has 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : DEPTEDXXXXBalance {$1100.00} DEPTEDXXXX-Balance {$2100.00} XXXX XXXXXXXXBalance {$3900.00} XXXXXXXXXXXX-Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2019-01-23
Company: LoanCare, LLC
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: Account information incorrect

Complaint:
Re : XXXX Account # XXXX, The purpose of this complaint serves to herald certain business practices enacted by XXXX XXXX which have conspired to detrimentally affect my credit and has caused me irreparable harm. On or about XX/XX/XXXX, I applied for a new mortgage with XXXX XXXX XXXX. Upon completion of the review process, the lender contacted XXXX XXXX to request a payoff. Upon receiving the request XXXX XXXX advised me that it may to up to 5 days to receive the payoff. Furthermore, XXXX XXXX acknowledged that I was not late and had not been so on a recorded line and payoff was good until XX/XX/XXXX. However, while in underwriting with the new lender, XXXX XXXX reported inaccurately and earlier than scheduled negative/late reporting. This is not the first time since XX/XX/XXXX, I made a double payment and they counted as one payment and every month after that they reported me 30 days late. Due to this issue I have experience such a hard time in life especially the past few months with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but they have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and sending mail weekly. They've called everyone in my life which is very humiliating. This has brought on a lot of mental issues to the point I'm having difficulties all for an account with inaccurate reportings. This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue or apply a lien to the business, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have the negative reports on my account removed from 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 explanation
Consumer complaint received 2021-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed that they are reporting several accounts on my credit file that are super old debts. These debts are past the credit reporting limit and under the FCRA this is a violation and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Ability Recovery Services, LLC
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the company to confirm the debt and it was accurate and the amounts they were suggesting I owed. I offered to pay what was set to be paid, even though all services were not provided to me. They threatened instead of resolution to file with the credit reporting agency instead of verifying the debt, confirming the amounts were owed, in fact saying they did not have that type of communication available to me. My only option was to pay the full amount in payments or credit reports. They then reported my credit against the Fair Debt Collection. https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid by the actual person who was responsible ( XXXX XXXX ) however debt is still being reported negatively on my credit report and has for some time. This has caused me pain and suffering and I have tried to contact them many times. I have also wasted money on certified mail as proof because they will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: WI
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:
My account was supposed to be at a XXXX dollar payment until XX/XX/2019 And it was reported 90 days past due in XX/XX/2019 I have contacted this company over 20 times and I have reached out to all levels of superiority with the company and they nor the credit bureaus will update my credit file correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Chime Financial Inc
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I try signing up for chime an it tells me my social security number is linked with another account but I never made an account with chime so I would like to know how that is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Capital Credit and Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I called on XX/XX/2019 to resolve a debt & find a solution, the call ended at XXXX XXXX. I tried to explain I wanted to pay them back. XXXX, the supposed " supervisor '' kept lecturing me that I made an agreement & that I let this happen. Advised me they couldn't do anything unless I paid a lump sum of the loan, that then she could offer a discount. That's not so much my problem, but I continued to tell her that " where would I even find that money '', she responded that she didn't know me that it clearly wasn't her problem, how this was the only way to get a discount. At that point, I became frustrated because she continued to belittle me & it felt as she was laughing at the situation. I let her know she was coming off rude and that it was very unprofessional, counterproductive too. That I wanted to find a solution and that this conversation had turned into a lecture of thing I already know. I already know it was my responsibility to adhere to the bank agreement. I would have preferred to find some sort of payment plan, which I asked her if I made payments and then got my balance down if I could eventually find some sort of discount for the debt I have. She ignored that questions. Then argued with me about her being rude and unprofessional. Continuously interrupting me to the point I felt very disrespected. When I requested to speak to the manager, she said there was no one else and that I could talk to the owner. But, refused to transfer me & also refused to give me anything other than her first name. Told me she was the one in charged & then hung up on me. Following that I attempted to recall & another employee again told me they heard her talking to me and said that she didn't do or act rude to me. He also laughed, then transferred me to the supposed owners voicemail saying he wouldn't be in until the afternoon. The voicemail had no features of identification, so I'm still not sure if they even did that. Hands down the most rude and violated feeling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Wells Fargo account on Wells Fargo 's XXXX. On their website, I put in my XXXX account number so they could pull {$500.00} from my XXXX account into the new Wells Fargo account. Wells Fargo did pull {$500.00} from my XXXX account, and then they lost the money. When I filed a complaint and kept calling to follow up on the money, they kept lying to me until XX/XX/XXXX saying they don't see any activity. 

I filed a previous complaint with the CFPB, and WELLS FARGO LIED in their response to CFPB, and CFPB closed the complaint before I got a chance to respond. Attached is their response, here are the lies : XXXX. They say " XXXX initiated the debit '', that is a lie. XXXX DID NOT INITIATE THIS TRANSACTION. XXXX didn't even know the Wells Fargo account exists. I opened the Wells Fargo account on Wells Fargo 's website and put in my Chase account info ON WELLS FARGO 'S WEBSITE. Then their website reached out to XXXX for the money. XXXX simply sent the money per Wells Fargo 's request and then Wells Fargo lost the money. They have yet to explain why the money was not put into my account when they received it on XX/XX/XXXX. WELLS FARGO initiated the transaction, they are the only ones that had both my Wells and XXXX account number since I put in the Chase account number on their website. 

XXXX. Their response says that " On XX/XX/XXXX, we received a chargeback request from XXXX ''. The reason they received this chargeback is because XXXX lost my money, so I contacted XXXX and reported the transaction. I kept calling Wells Fargo from XX/XX/XXXX till XX/XX/XXXX and they kept LYING to me saying that they have no record of this money ( proving they lost it ), even though they received the money from XXXX per Wells Fargo 's instructions on XX/XX/XXXX, and supposedly sent it back to XXXX on XX/XX/XXXX - yet they XXXX XXXX to me saying they have no record of this money until XX/XX/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 2017-12-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX  XXXX XX/XX/XXXX {$430.00}

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 non-monetary relief
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : 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 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 2022-08-13
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation