BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-20
Company: Experian Information Solutions Inc.
State: MA
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:
Good evening, I have disputed and sent this to the attached credit bureau and my account still hasnt been updated. Im requesting your help to have my credit report updated immediately. 

Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Unauthorized Account I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed accounts that I don't recall authorizing. I understand that you shouldn't be allowed to put any inquiry on my file unless I have authorized it. Please have these items removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court order The following accounts are related to none of the aforementioned permissible. 


XXXX XXXX ( XX/XX/XXXX ) Please remove these account above from my credit report immediately. I have enclosed a copy of my identification as proof of my identity. 

Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX XX/XX/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 2020-06-02
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was supposed XX/XX/XXXX. Told me it will be delayed for a little bit. Up to this date ( XX/XX/XXXX ), I still dont have a closing date. I have been badly stressed about this because I have XXXX kids. I have moved twice as my first move I need to move out XX/XX/XXXX ( because I was supposed to close XX/XX/XXXX ) and I move to a another place that can accommodate me till XX/XX/XXXX. But I have to move again, and I dont even know how long of a delay. Nobody can tell me what is my projected closing date. I have XXXX kids. I have the furniture company wanting to deliver the stuff I ordered and some other sellers wanting to know when to deliver stuff I ordered. Most of them stated they. Cant hold items too long as it will be almost a month of holding my items I dont know what to tell them because I dont know my closing date is. I called them and asked and nobody knows. This has been causing a lot of issues to me. My XXXX  and XXXX XXXX  starts to XXXX XXXX XXXX  work and even how I respond to my kids! Im going on and out of XXXX  state at this point. And nobody seems to care!

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 2020-09-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my card off in full on XX/XX/2020. After payment, Wells Fargo ( XXXX ) charged interest to the card for several months before I noticed. I only knew about it because I checked my credit report. Mail was delayed getting to me due to COVID-19. When I called the company, they admitted that interest was charged 2 days after I paid the card off in full. The interest should have been calculated in the payment amount as was the other fee. The company returned the other fee but refused to removed derogatory information from my credit file. I would like this removed from all 3 credit agencies.

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 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-01-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Beginning in XX/XX/2018, I have contacted Rushmore Loan Management Services 12 times, asking them to remove my Mortgage Insurance from my payment. At my home 's current value, I am well below 78 % LTV. Rushmore keeps sending me notices that I am above 78 % because they are assuming my home 's value is the loan amount from my refinance 7 years ago. Each time I have contacted them, I have requested they appraise the home or re-evaluate the value to bring it up to date. I have also sent them the state tax assessment which shows a higher value. I was told I can not speak directly to anyone in their MI or Escrow department. This is costing me over {$100.00} every month that they refuse to make the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2020-12-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An account holder at Chase Bank passed away in XX/XX/2020. The account holder lived in Washington State, but was a XXXX resident. The executors of the estate for the account holder currently live in XXXX. 

Chase is refusing access to the account of the deceased account holder by the executors of the estate until they appear in person. Currently our borders are closed BY OUR FEDERAL GOVERNMENT and the executors can not appear in person. 

Due to Chase 's refusal to allow access the the funds in the deceased account holders account, some of the assets of the estate are in jeopardy because the creditors can not be paid. THE ESTATE IS AT RISK OF LOSING ASSETS due to Chase 's refusal to allow access to the funds in the checking and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX I paid off the balance of {$270.00}. I was called rude the rep refuse to provide me with his name and he refused to transfer me to a supervisor. Also, this debt is falsely being reported on my credit monthly as late starting in XXXX of this year. But when I spoke to a representative I was told last contact with me was made in XXXX ofXX/XX/XXXX They have been falsely reporting on time payments, then falsely reported me as late monthly. This has effected my getting qualified for a home loan. I paid it because I was advised by a potential leander to do so but I was treated very bad in the process. I also disputed this debt twice. They also told me 3 different names so that made it difficult for me to pinpoint what school they was collecting on.

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 2022-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reviewed a recent credit report and have seen major errors in the information that is being furnished. Please be aware that I have only ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Again, the following addresses are not valid and have not been my place of residence and I need your assistance in making sure that these errors are rectified : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY 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 2017-12-19
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent a {$1000.00} payment on a auto loan that was cashed and deposited by Honda Financial Services on XX/XX/XXXX. They did not credit me with the payment. I 've gotten a copy the cancelled check from my bank, XXXX XXXX. I faxed the copy to Honda Financial and they told me they could not read the back so unless I was able to get a better copy of the check back they would not help me. XXXX XXXX, my bank tells me Honda Financial kept the copy of my original check. 

Their bank stamped the back of the check. It should be their problem to read their banks stamp. If they wanted to run a scam they could not credit all of their customers accounts, have their bank do a poor job stamping the back of all checks and force all of their customers to keep paying without crediting. What a scam. 

I feel Honda Financial Services has stolen {$1000.00} from me and maybe others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 15 USC 1681. 

Account name : XXXX ( XXXX ) Account name : XXXX ( XXXX... ) Account name : XXXX ( XXXX... ) Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
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: Information belongs to someone else

Complaint:
XXXX, EXPERIAN AND XXXX HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NC
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 items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2022-12-19
Company: EQUIFAX, 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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5500.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$20000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been on deferment since I have obtained my student loans. My loans were never late because I am on deferment. 

The loans have been reported incorrectly for the following accounts : XXXX XXXX XXXX # XXXX U S DEPT OF EDXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
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: Old information reappears or never goes away

Complaint:
Experian alleged it was not me that filed complaint # XXXX, so they were unable to look into the matter, this is completely a lie, again this is XXXX XXXX XXXX filing this complaint against Experian, do not attempt stall tactics, I certified that it is me and I am authorizing this complaint, pending litigation is my next steps if Experian further delay my request. 


EXPERIAN IS REPORTING 2 ACCOUNTS ON MY FILE THAT IS NO LONGER OWN BY THE COMPANY, I REQUESTED A METHOD OF VERIFICATION FROM EXPERIAN AND GAVE THEM 45 DAYS TO RESPONSE, NO RESPONSE, XXXX/XXXX XXXX AND XXXX/XXXX NO LONGER OWN THE ACCOUNTS, THEY SOLD IT AND TRANSFERRED TO DIFFERENT COMPANY WHO I NOW DEAL WITH DIRECTLY., YOU LIST IT ON MY REPORT YOU MUST PROVIDE ME WITH HOW YOU VERIFIED ACCOUNTS WHEN COMPANY NO LONGER OWNS IT PER FCRA, PLEASE PROVIDE DOCUMENTATION I DEMAND DOCUMENTATION

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 2022-10-04
Company: NFM, INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for CARES act Covid  forbearance on XX/XX/XXXX due to being unemployed due to covid. 1. ) Received approved Covid forbearance agreement dated XXXX XXXX stating suspension of monthly payments for months of XX/XX/XXXX through XX/XX/XXXX with suspension of credit reporting and late fees per XXXX covid  CARES act. 2. ) Received delinquent notice dated XX/XX/XXXX with late fee of {$66.00} from lender NFM XXXX in violation of CARES act covid forbearance agreement. 3. ) Received Mortgage statement showing mortgage reported 30 days late and {$66.00} from lender NFM XXXX in violation of CARES act covid forbearance agreement. 4. ) Called NFM XXXX on XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX Employee stated there was a " scripting error '' and forbearance was not input into mortgage servicing system XXXX correctly. Stated system " should '' be updated with forbearance being correctly boarding into mortgage system XXXX. Employee stated that I needed to e-mail XXXX for 30 day mortgage late correction. ***Unacceptable that borrower needs to send an e-mail when mortgage lender made an error in violation CARES act covid forbearance guidelines. Need investigation into NFM XXXX procedures/practices as a loan servicer is in violation of XXXX servicing guidelines with covid forbearance on loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: OH
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:
Submitted a fraud complaint on XX/XX/2022. The Credit reporting agency had 4 days to delete all fraud accounts on my credit report. Nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/20, I was having difficulty opening a new bank account at an online bank. I suspected that the problem might be caused by the fact that my credit was frozen so I went onto the Experian website to unfreeze my credit and accidentally signed up for a credit monitoring membership in the process. 

After my mom 's credit card was charged on XX/XX/20, I contacted Experian and was told that the membership would be canceled and that the {$23.00} charge would be refunded. 

My mom just realized yesterday that she was charged {$23.00} again on XX/XX/20 and on XX/XX/20. When I contacted Experian this time, I was told that they had no record of my previous call and that the charges are not refundable. This time, I asked for a written confirmation email that the membership would be canceled. They did not send me an email ; however, they did provide me with a cancellation number. 

A process that steers people into a membership that they don't want when they attempt to unfreeze their credit is deceptive and continuing to charge me after I had already canceled the membership in XXXX is fraudulent.

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 2020-09-18
Company: HW Holding, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had rented through an apartment complex called " XXXX XXXX '' in XXXX, Virginia from XX/XX/XXXX though the end of XX/XX/XXXX. We had left our lease early as I needed to relocate for a job opportunity. I had to go through the early lease termination which was set at XXXX or 2 months rent. We were told we would leave, they would make their assessment of the amount of the deposit to be kept and send us a notification of the amount still owed. I received the letter listing what the deposit was used for and the amount left over and the notice I had 14 days to dispute the amount with the management team. This letter had no due date and had no terms on how payment should be made or at what date the payment was due by. So, reasonably, I was under the assumption they would wait the dispute period and then would send me a final bill. The next communication that I received was a phone call from a debt collector saying that I was sent to collections and asked if I was able to pay the amount in full that day. I told them during the first call that day that I was at work and requested a call back the next day. I was then called a few hours later that same day after making an appointment for the following day. I told the representative this and he said that he figured he would try again just to see if I was available. I told him I was driving and was unable to do any kind of payment or really work out many details. I did ask what the settlement amount was and was told the offer was available for 24 hours. I told him I would have to be in contact with them later and that this amount shouldn't have been sent to collections yet as I hadnt revived a final bill. He told me that the debt has been reported to them on XX/XX/XXXX, and they reached out to me on XX/XX/XXXX. They didn't inform me of my ability to dispute the debt at all and as of today XX/XX/XXXX I have yet to receive any written document from the debt collector. Looking back at my lease it says that I have 60 days after my vacation notice from the apartment to settle all amounts owed to the management office. My vacation notice date was XX/XX/XXXX which means I would have had to pay any amount owed by XX/XX/XXXX before my account would have been sent to collections. The collection agency is Hunter Warfield.

Company response to consumer: Closed with explanation