BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: WELLS FARGO & COMPANY
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:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX WELLS FARGO XXXX XXXX WELLS FARGO XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n 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 ;

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 2021-03-04
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I was given a line of credit without my knowledge by American First Credit Union I got a lump sum check did they held in my account with let me spend but they gave me the line of credit without my knowledge of what was really going on the lady told me I could use this money as a way to offset them holding my check this was a bad business transaction that they did to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: AZ
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 : I have been trying to get this issue resolved for months. Experian keeps giving me the run around. I completed a dispute and they did nothing but gave me an excuse why they did not address my concern. I have told them time and time again that this is not my account I have never opened an account with XXXX XXXX and I have no idea who did. I also have several other attempts on my credit report where someone tried to open an account at XXXX XXXX XXXX and XXXX CARD. Please help me get my credit report to show the correct information and delete these things.

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2020-01-02
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX Mortgage, Reported late payments on payments that were made on time

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 2020-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX Mortgage, Reported late payments on payments that were made on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIES.

XXXX XXXX
AccounXXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
AccounXXXX XXXX XXXX
Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXate Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

XXXX  
Account XXXX XXXX
Date Opened XXXX XXXX XXXX
Balance - 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 2019-05-02
Company: Credit Systems International, 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:
Does not give enough evidence of original debt, unable to verify consent to open account, did not show proof of Authorization or Agreement to purchase, pay for, merchandise or services. failure to investigate authenticity orginal debt, failed to provide information regarding orginal debtor information and creditor. Refusal to remove inaccuracies negative Mark 's on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 these items. Your failure to positively verify these accounts and inquiries 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 2019-05-02
Company: GOLD KEY CREDIT, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hospital bill was placed in collection. I was approved for SSI and had Medicaid covered the charges. I spoke with the hospital in XXXX and again in XXXX giving them my Medicaid number and then again confirming the account had a XXXX balance. After both of those calls, I called collection agency to inform them of the status. They have yet to remove this from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from Pioneer/XXXXXXXX  about a delinquent school loan that was owned by XXXX. 

I recently reached out to XXXX about 2 loans that are being reported on my credit report. 

These loans are being reported as late/delinquent as of XX/XX/XXXX in the amount of {$28000.00} and {$36000.00} with a loan open date of XX/XX/XXXX. 

I received a call from XXXX @ XXXX XXXX on XX/XX/XXXX at XXXX. XXXX stated they received my request for debt validation and proof of legal ownership to collect on a debt. 
XXXX informed me that they only keep statements/documents for up to a year and at this time they dont have any statements or paperwork to send me. 

XXXX informed me that I do not owe them anything and my account has been transferred to Pioneer/XXXX as of XX/XX/XXXX. I informed XXXX that XXXX is still reporting on my credit as of XX/XX/XXXX. XXXX stated that XXXX is no longer reporting and to send him a copy of my Credit Report. I informed him I provided XXXX a copy on my last CFPB complaint. XXXX stated XXXX credit department will handle that and there is no one I could be transferred to in that Department. 

Going back to Pioneer I recently received a letter stating they are trying to collect on a delinquent student loan debt. Pioneer mailed this letter to a old address in XXXX Michigan. The letter contained no Date. The letter stated they are trying to collect on a debt on the Full amount of {$130000.00}. I have no idea why I owe this debt. 
I sent Pioneer a debt validation letter on XX/XX/XXXX informing them I am requesting a detailed statement of this debt and interest I owe a legal standing to collect this debt by showing me : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the debt ; with my ink signature. 

I am very confused to why XXXX is reporting one debt to the Credit bureaus when they informed me they dont have any paperwork to why I owe them a debt but then they are able to validate with the Credit bureaus that I owe them a debt they dont own. 

I believe that XXXX has sold/given my information to Pioneer since they couldnt supply a validation of debt. Pioneer has stated calling me to collect on a delinquent debt that I know nothing about. No one want to provide me with any correct information. 

I am unable to find suitable employment because of this credit blemish. I am unable to obtain credit because of this credit blemish.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-10
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX I filed an identity theft report due to the violation of laws of 15USC 1681b, 16USC1681q, and 18USC 1028A. Please remove this public record from my consumer reports immediately. 

Consumer Reporting Agency : XXXX Record type XXXX XXXX XXXX XXXX XXXXXXXX Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Responsibility : Individual Reference number : XXXX Consumer Reporting Agency : Equifax Case number : XXXX Bankruptcy disposition : XXXX XXXX Date filed : XX/XX/XXXX Date reported : XX/XX/XXXX Consumer Reporting Agency : XXXX Record Name : XXXX XXXX XXXX XXXX Number : XXXX Type : XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We utilize a checking account with Fifth Third Bank solely to process our mortgage payment. We use an outside credit union for our day-to-day banking. We deposit funds into our 5/3 checking from our other account on a monthly basis. Because our mortgage amount changed due to changes in our escrow fund, our account with Fifth Third became negative {$6.00}. Once I realized this, I submitted a transfer from our credit union to Fifth Third that took 1-2 days to process. They charged us an overdraft fee of {$37.00} the night before our deposit posted to bring our account current. Because I do not regularly check our Fifth Third account, I did not know about the additional weekly overdraft fees nor did I ever receive an email notification regarding the fees being posted to our account. When I called to explain the situation and told the customer service representative that I made my account current as soon as I noticed it and if the initial overdraft fee hadn't been charged, then I never would've received any additional fees. They told me they could remove the {$37.00} fee as a courtesy and one of the {$25.00} weekly fees but could not refund the 3 other fees. My point was that, had they not charged the initial overdraft fee, the other weekly fees never would've happened. I even had alerts set up to receive via email. I am upset about the 3-additional fees they charged and refuse to refund because " it's their policy '' to only refund 1 per 12-month period even though I've been a customer in good standing w/ our mortgage for 13 years! The bank also returned my most recent mortgage payment because my account did not have sufficient funds even though I sent them my monthly payment due. But because of the weekly fees they posted, my account was below my mortgage payment amount so I had to go to a branch during work hours to make a payment to bring my account current and the branch customer service attendant couldn't do anything about the fees either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I requested that Chase Bank pay my rent via their online payment services by mailing the check to my Management Company. 
The check was not received by the landlord. 
Chase Bank credited my account for the full amount while they investigated. 
I reissued a new check for the full amount. 

Upon review I saw that the original check had in fact been cashed, however it was not endorsed and therefore should never have been allowed to have funds released against it. It was also made out by CHASE to the landlord corporate account. 

Chase then sent me an email on XX/XX/XXXX saying that they had finished their investigation and that the check had been issued as per my instructions!! This is absurd. My rent was NOT paid to my landlord as instructed. Chase then reversed the credit and DEDUCTED the full amount from my account. 

I submitted another complaint and I am now told after hours of phone calls, Chase visits to the local branch and major anxiety that the check was cashed by a XXXX XXXX and that CHASE had released the funds to XXXXXXXX XXXX I in turn must wait 30 - 90 days while Chase request that XXXX XXXX reimburse them the full amount and only then can I get my money back from Chase. 

I told the representative that I don't understand why am I out of pocket because of fraud that has been allowed to be committed by TWO banks ... XXXX XXXX and Chase both banks allowed an UNENDORSED check to slip through their systems and yet I am the only person who is paying for the mistake. 

I have been blown off by the bank, ignored and frustrated by their lack of customer service and understanding in this matter. They even refused to credit my account again until they recoup the money from XXXX XXXX as they tell me this is a different kind of claim from the initial claim. Even though NONE of this is my doing. 

I really hope that they are hold accountable for the fraud committed with their help. 

I am at a loss. 

I hope you can help me recover my months rent asap. 

I am interested to see if anyone else has been put in this position. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: MIDFIRST BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I opened an account with XXXX XXXX  I received 2 deposits of XXXX in the account. On XX/XX/XXXX, I was unable to log into my account and called support. Support informed me that the account is being closed for " business reasons '' and that I will be unable to access my account in the meantime. When I asked them how long it would take to get my money back, they said that they are still doing more " research '' into my account and were unwilling to divulge specifics. Now, I have {$2000.00} tied up with them and I have no information on when or how I will get it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: MD
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:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-12
Company: EQUIFAX, INC.
State: TX
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:
I am writing to express my frustration and dissatisfaction with the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple attempts to dispute and remove these inaccuracies, my efforts have not yielded the desired results, and the fraudulent items continue to adversely affect my credit standing. 

I have diligently followed the dispute process by submitting multiple letters and supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud. However, despite these efforts, the fraudulent items persist on my credit report. 

I demand that you conduct a thorough and immediate investigation into these matters and take prompt action to remove the fraudulent entries from my credit report. This situation has caused significant distress and has a severe impact on my financial well-being. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} XXXX XXXX XXXX, XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance {$130.00}.

Company response to consumer: Closed with non-monetary relief