BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}

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 2018-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im a veteran who attend the school in XX/XX/XXXX-XX/XX/XXXX. I used my post XXXX GI Bill with all my expenses covered through it yet somehow I have an outstanding Stafford loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the GI Bill works. Please help.

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 2022-03-15
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:
For months in XXXX and XXXX I submitted dispute to correct my payment history for XXXX - XXXX on all 3 credit bureaus. I was Never late on XXXX, XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. How can I be 30 or 90 days late on XX/XX/XXXX but on time in XX/XX/XXXX the month before anyway, this does not make sense? Same in XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information. If XXXX wont send you/credit bureaus any information then you must correct or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

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 2023-08-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: MI
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 had a HELOC with XXXX XXXX XXXX XXXX  that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by XXXX XXXX dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called XXXX XXXX three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( Experian and XXXX ) both times they will not update the information because XXXX is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.

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 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I'm BofA customer XXXX XXXX On XX/XX/XXXX I sent wire XXXX USD transfer ( XXXX USD XXXX XX/XX/2022 ) from my account with XXXX bank XXXX XXXX XXXX to my BofA account As of today, this wire transfer hasn't been credited!!! 

I have started investigation with XXXX bank and they have given the following answer : According to XXXX  XXXX Tracker transfer ON HOLD at BANK OF AMERICA , N.A . BOFAXXXX ( XXXX XXXX ) since XX/XX/2022 WE SUGGEST THAT THE BENEFICIARY LIAISE DIRECTLY WITH THEIR BANK IN ORDER TO FACILITATE RESOLUTION. FOR THE REFERENCE OF THE REMITTER AND BENEFICIARY, WE HAVE ATTEMPTED TO CONTACT THE BENEFICIARY BANK UNDER OUR REFERENCE. 

Recently I've been calling BofA Foreign Currency Cash Investigation team. They've given me case number XXXX XXXX and promised to help but nothing happened since then, either anybody contacted me.

I also send complaint to BofA Regulatory Complaints of Bank of America. They acknowledged recepit of my complaint on XX/XX/XXXX but didn't do anything since that time. My several follow-up messages and phone call were not answered It looks like that BofA is not taking any action to credit the incoming payment and is ignoring requests from myself, sending and correspondent banks Attached please find copy of XXXX tracker

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 2020-03-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no means of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2020-03-05
Company: Southwest Stage Funding
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX states I owe today, {$1600.00} after I was approved for deferment onXX/XX/XXXXin the amount of {$970.00}. I am currently today behind 3 months owing {$1000.00} which I just paid {$710.00} towards that amount. Speaking with rep today, he informed me that the additional {$680.00} are misc fees from my previous services ( XXXX, XXXX ) between the years of XXXX. My complaint is when my loan was transferred in XX/XX/ these fees were never disclosed. When I received this deferment in XXXX non of these fees existed, were not on my billing statements nor disclosed in any manor. Now I have almost {$700.00} in unexplainable additional fees from other servicers per the XXXX customer Service representative. I believe XXXX is attempting to collect money not owed to them. If I received a deferment in XXXX all fees should ha e been disclosed. 
And finally they are reporting to the credit bureau Im always 30 days late because of these additional fees. Illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
As I try to fix my credit I am approaching unpaid debts and paying settlements around 30-40 % of the original debt as my budget allows. I have closed out all my accounts this way except Mariner Finance. When I contacted them they were inflexible and vindictively started late fees on my account because I could not pay the full amount. Upon examination of there reputation I found they are considered a predatory lender by these XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of the firm that runs Mariner is a tax fraud and emblematic of their greed machine. 

XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount {$2600.00} -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX XXXXXXXX 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. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following 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 should not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX XXXX {$510.00} XXXX/XXXX  XXXX {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called the Wells Fargo 800 line to get information to get information on how to make a large principal payment to my mortgage in the amount of {$310000.00}. I was provided wiring instructions. The funds were revived by Wells Fargo on XX/XX/XXXX. Instead of applying it to the principal loan amount, they applied {$59000.00} towards regular monthly payments from XX/XX/XXXX through XX/XX/XXXX. Also, an amount of {$13000.00} was applied towards the XX/XX/XXXX and XX/XX/XXXX payments. The remaining {$230000.00} was applied to the principal balance. I wasn't told to indicate on the wire that the funds were to go to the principal and not to a year 's worth of payments. I formally requested that Wells Fargo go back and credit me for interest I shouldn't have been charged had they applied the payment to principal which has formally been denied. My complaint is that Wells Fargo should have better controls in place or contacted me if there was a question.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2021-07-21
Company: Experian Information Solutions Inc.
State: KY
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:
On XX/XX/2021 XXXX XXXXXXXX XXXX XXXX Opened a charge account in my name without authorization. I did not realize this happened until I saw the negative impact on my credit score from additional inquiries. After some investigation, I called XXXX XXXX on XX/XX/2021 to file a dispute with this, and requested they remove the inquiry from my credit score and immediately close the account. They stated that they would reach out to me the next day, as the department that handles that sort of thing had already left for the evening. 

I did not receive a return phone call from XXXX XXXX, however the fraudulent account was closed on XX/XX/XXXX ( The next day ). 

The additional inquiry is still on my credit report, causing lasting damage to by financial status.

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I open an account with Chase Bank on XX/XX/XXXX online. Ive been proceeded to transfer money out of my XXXX XXXX bank account because I am currently doing a credit consolidation program and I needed to change bank so that XXXX XXXX wouldnt pull money out of my savings account. Everything was fine until my account was locked and I had to appear in a branch and give them two forms of ID to verify that it was me who opened the account which I did with no problem I even made two cash deposits as well as two ACH transfers one through XXXX and one through XXXX XXXX itself. On XX/XX/XXXX. My online banking was locked and I had to call to verify my identity which I did in. My account was unlocked that Saturday my account was locked again, and I had to go to the branch and provide my identification which I did, and I was on the phone with The fraud department for almost an hour at the Chase banking account in XXXX Maryland when I got home later that night to try to check my online banking. I was once again locked out of my account so I called Chase XXXX XXXX customer service number to get a reason why they told me my account would be closed and I would be issued a letter with the reason stating, why within 10 days. I recently received that letter, and they said that it was a fraud suspicion. Since then I have been told by two separate Chase employees that the fraud investigation has concluded in that a check with all of my funds would be issued to me. Since then, I have been given the runaround by multiple Chase employees about how this investigation is going to go as well as updates on this investigation. Once again, I called them, and I was told 10 days ago, by representative that the investigation had concluded, and that they had placed the check in the mail. Today is now XX/XX/XXXX and I called Chase to get an update on Where that check is and I was told by the rep Im sorry I miss spoke because Im in training and it is still an active investigation going on no other information was given to me and because of this, I am now left in a financial bind. I just want to know all of my options to get my finances back so I can get my life in order. This has completely uprooted my life and has placed me further behind with my bills, including my Card note, rent car insurance, medical payments, as well as other life expenses. Upon doing research I found out that I can take this to a small claims court to get this process done faster but before I jump the bridge on that decision, I want to file a complaint to see if we can get this process done faster, and I can move on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: VA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation