BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should have deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by a data breach and may have got into the hands of the wrong person.

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 2021-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Referencing Complaint ID # XXXX. 

On XX/XX/XXXX, I received a letter response from XXXX ( XXXX. XXXX Branch, Capital One ) informing me that the above complaint had been closed and urging me to reach out to her directly if I had any questions or additional information. It was clear from the letter that XXXX had not fully understood the nature of the problem or the preferred resolution and had closed the case based on this bad understanding of the issue. This has been the only contact I have had with XXXX. There is no other avenue for me to provide additional details. 

Since receiving her response, I have called her almost every day and have not been able to get in touch with her. I also called the XXXX. XXXX  office on two different occasions ( XX/XX/XXXX and XXXX ). On XX/XX/XXXX, I was told XXXX would call me within 48 hours and a manager was copied. On XXXX, I was told XXXX would reach out to me shortly and that a manager was also contacted. To date, XXXX has still not contacted me. She has ignored every voicemail I have left for her and ignored last week 's urgent inquiry from the XXXX XXXX  office. I have a case manager at XXXX Bank who is ready to speak with a Capital One representative about this to further resolve the issue. Please contact me immediately so that I can have my issue ( ongoing since XXXX ) resolved. As a result of this issue, I currently have a loss of {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello CFPB! I just want to start by saying thank you for your time and consideration. The reason for this complaint is because my bank Wells Fargo, has denied a claim for a spending spree on my Wells Fargo card. Now it is just downright wrong to call and lie about a fraud and in my case I did not do that. I did not spend the money took out of my account. The reference number for the fraud claim I was given is XXXX. I was charged to my card for food, alcohol, and apparently some tickets to somewhere. The days these transactions were made I was at my sisters bday party and have proof of so. I also had a XXXX $ charge for XXXX and when I called them they had no records of the charge and told me to call the bank to put in a claim asap. Unfortunately for me, it got denied. I called and asked why it was denied and they said they couldnt give me a reason that it just was. I was only suggested to close my account. I got no help at all and hope that moving forward I can get help. The transactions I disputed were seriously not me and its honestly spiteful that a large bank like Wells Fargo is declining a small claim of XXXX $ when its nothing to them, but a large amount for me to have taken out my account without my regard.

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 2020-04-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft because there is a collection account from a medical company and i have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MN
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/2023 I sent XXXX a form stating I am a victim of identity theft and requesting specific items be blocked from my credit report. Along with the form I also sent a police report, my drivers license, social security card and my FTC IDENTITY THEFT AFFIDAVIT. According to FCRA 605B once XXXX receives my identity theft report along with a statement from me and other items that verify my identity, the reported information shall be blocked within 4 business days. 

XXXX sent me a letter on XX/XX/2023 stating my request to block was denied due to my request being made in error. There is no way that XXXX can reasonably determine that. I have provided a valid police report and I have satisfied the requirements of a block under FCRA 605B. If XXXX does not follow the laws established I will have no chose but to sue them in small claims court for willful non compliance and damages. 

In addition on XX/XX/2023 I spoke with a representative from XXXX XXXX XXXX XXXX who is handling my file. And he claims he must first contact the creditor to confirm if fraud is found. This is not the correct procedure that should be followed. According to FCRA 605B once XXXX receives information that a consumer identifies as identity theft, accompanied with verification of the consumers identity and a valid identity theft report XXXX MUST BLOCK the information without referring to the original creditor for validation of fraud. This confirms that XXXX is not following the FCRA guidelines that are established to help consumers in these troubled times. XXXX is Violating FEDERAL LAW I have also contacted experian about this and they are saying my police report is invalid which is unacceptable.

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 2017-09-27
Company: Experian Information Solutions Inc.
State: MS
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:
They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on this matter

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: NC
Product: Credit reporting 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion violated several of my federally protected consumer rights. 
Violation of 15 USC 1681b by furnishing my consumer report to XXXX XXXX XXXX XXXX, without permissible purpose. 
Violation of 15 USC 6802 by disclosing nonpublic personal information to the above companies. 
Violation of 15 USC 1681e ( b ) for not ensuring maximum possible accuracy of information. 
TransUnion did admit to these violations indirectly by deleting the above companies inquiries when I disputed them on XX/XX/2022. 
TransUnion committed identity theft, pursuant to the FCRA, subchapter F states ; the term " identity theft '' means a fraud committed or attempted using the identifying information of another person without authority. 
Violation of 15 USC 1681a ( m ) by including in my consumer report transactions that were not initiated by me, the consumer.

Violation of 15 USC 1681i ( 6 ) ( B ) ( iii ) and 15 USC 1681i ( 7 ) by not providing me, the consumer, the required information that was used in the reinvestigation for verification and the accuracy and completeness to the following account ; XXXX XXXX XXXX. I mailed a certified letter requesting this information on XX/XX/2022. Another certified letter which they received on XX/XX/2022 requesting the same information as well as stating their violation of 15USC1681i ( 6 ) ( B ) ( iii ) & 1681 ( 7 ). This account is still fraudulently reporting on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had a student loan with XXXX that was sold to AES. Which is when my problems started. I was paying them consistently for a few years then around fall of 2015 I changed something with my bank and forget to set up the payments again. I started getting notifications in the mail and called to request a Forbearance on XXXX XXXX, 2015. The lady on the phone read me a bunch of information and said that I must agree to them then said I was approved for the forbearance. Then in early XXXX I started receiving more phone calls from AES. Today, XXXX XXXX I called AES to see why they are still harassing me. I spoke to XXXX in the Graduate and Professional Services within AES. XXXX said that my forbearance request was never approved or denied and that the person on the phone told me they would be sending me some forms to fill out and sign and that once it was sent out I would have 30 days to return it and then they would tell me if I was approved. I WAS NEVER TOLD ABOUT THIS LETTER TO BE SIGNED AND FILLED OUT AND I WAS TOLD ON XXXX XXXX THAT I WAS APPROVED FOR THE FORBEARANCE. XXXX said they mailed me the forms on XXXX XXXX. On the XXXX of XXXX I was told by XXXX I was 30 days past due on my payments. They have already reported the 30 days past due on my credit report. He would not tell me when they did this. So they basically did n't give me time to even return the forms in 30 days ( the forms that they never told me about in the first place ) before they reported this to the credit bureaus. I did what I was supposed to do and it seems like unless I paid in full they had every intention to ruin my credit. By ruining my credit this prevents me from getting a student loan for my next semester of law school. I also have to maintain good credit to keep my job. This negative report can ruin my life. I 've been paying for years and after 30 days of being late they just put this on my credit and I called before 30 days were up. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # ( LISTED BELOW ), 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. XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Chap XXXX XXXX. I didn't say that's its incorrect. I asked to remove it because I'm a small business owner and my vendors have dropped me because of XXXX now remove the accounts or I'll sue for violation of my rights under the constitution!!!!

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 2021-11-18
Company: Experian Information Solutions Inc.
State: AL
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:
THIS IS NOT A DUPLICATE. I HAD TO REFILE MY COMPLAINT DUE TO THE COMPANY 'S RESPONSE. I REMOVED MY POWER OF ATTORNEY SO THEY CAN PROPERLY INVESTIGATE MY ISSUE. HERE IS MY COMPLAINT : We received your complaint. Thank you. 


I have reached out to Experian several times over the past two years about inaccurate information being reported on my credit report. All they have returned is correspondence reporting that the information is accurate. Due to this I became increasingly frustrated and decided to study the Consumer laws specifically XXXX XXXX XXXX XXXX. I was amazed to learn how unfair consumers are being treated in their daily activity. I learned in my sitution that Experian was violating XXXX XXXX XXXX XXXX ( a ) which says : ( a ) Communication with the consumer generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They are communicating information given to them that I never consented to them housing or recording. My Private information that never had my consent to be shared. I also realized that I never consented to Experian reporting information based off of my tax Id which is my social security number. I called the IRS and asked them do they have any interactions with Credit agencies to report credit information and the agent sternly noted that their is no such agreement. So I wondered how do these agencies even get my SSN number since I never expressed consent to do so as this IS MY PRIVATE INFORMATION. I also understood that according to XXXX XXXX XXXX XXXX that Experian was in violation of this law by communicating with third parties without my express consent. I have three businesses that I was trying to get started and I applied for XXXX loans for each of them and was denied due to Experian reporting information that I never consented to them reporting. Based on how I have been damaged, and based on these Consumer laws, I sent Experian an invoice for the damages that I have received based on their unlawful reporting. I provided them with an Exhibit for each violation. I also provided them with a copy of an XXXX search showing that none of the creditors that they are reporting who are claiming that I owed them a debt has a lien on such claimed debt which proves that they are Inaccurately reporting to Experian.

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 2023-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I did not open this account. Could you please remove this account as soon as possible from my profile? 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX using Chase QuickPay with XXXX. I sent $700 to a vendor for a used XXXX  XXXX. I was promised that the XXXX  would be shipped out by the vendor but it never was. After a week that I sent out the payment and did not receive a tracking or a response from the vendor. I called my bank Chase to put in a complaint. Chase told me that they would not help me out. I tried to get some sort of verification from them so I could go to the police to file a claim but they refused to give me one. I sent messages and direct requests for help to XXXX  but nothing has been answered. It’s now XX/XX/XXXX and I don’t have the XXXX  or any help from Chase or XXXX  to recover my money. Recently I received a notification that Chase is going to monitor XXXX payments for scams and will be able to block payments. I feel let down by my bank that they haven’t done a thing to protect me when I needed the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Regional Management Corporation
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Regional Finance of XXXX NC, assessed a {$15.00} Late Fee on my account, when my account has never been late since it 's inception. 

I have tried, over several months, and several complaints, to have it removed, all in vain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently went to open up an account at my local credit union in Texas and was informed that I had an account opened and closed with this bank. I never opened an account with First National BankXXXX and realized that this account had been opened by my ex who was deceased and had opened other accounts using my identity. I reached out to First National Bank to resolve this issue but no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: WOLFE FINANCIAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
As a buyer I was involved in XXXX XXXX Transaction to  complete a purchase of a duplex subject to 3rd party financing. The lender ( Integrity Mortgage Group or Wolf Financial Services ) had delayed the process and could not get the cleared to close as planned for XXXX of XX/XX/2019. We could not get a clear idea of exact closing date and extended the closing date several times, but I lost the protection from my 3rd party  financial addendum. 
on the XXXX of XX/XX/2019 I was terminated from my W-2 employer and as we got ready to close on the XXXX of XXXX the lender rejected to close on the loan due to unemployment verification they did on the XXXX of XXXX. 
I lost XXXX $ of Earnest Money that was locked in this deal and I consider this negligence from the lender side that caused this loss. 

I am not sure what could be done, but any suggestions how to recover my losses are welcome. I will also contact my RE attorney. 

Regards, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXX account # XXXX -- XXXX -- XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2021-03-01
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BACK IN XX/XX/XXXX I DID CALL XXXX TO SWITCH MY SERVICE FROM THEM TO XXXX, FIRST I CALLED TO INFORM THEM TO RELAESE MY PHONE NUMBER TO XXXX, WICH THEY DID THEN I CALLED AFTER ABOUT A WEEK TO TELL XXXX TO DISCOUNECT MY SERVICES, BUT BACK THEM I WAS TOLD THAT THEY WERE MAKING A MAJOR UPDATE ON THERE SYSTEM, TILL XXXX OF XXXX I GOT A BILL FROM XXXX, BUT WHEN I CALLED TO ASK WHY I GOT THIS BILL I WAS TOLD THAT BECAUSE I DIDNT DISCOUNECT, BUT BACK THEN I DD PROVE IT TO THEM, THEM THEY TOLD ME FINE SORRY IT WAS THERE MISTAKE, AND THEN TOLD ME SORRY, TILL XX/XX/XXXX WHEN I GOT A LETTER FROM HUDSON VALLY COLLECTION AGENCY THAT THEY PUT ME IN COLLECTION FOR {$850.00} BUT I DID TRY TO EXPLAIN THE SITUATION BUT NO WAY THEY WANT TO BUDGE EITHER TO PAY OR WE WILL REPORT TO THE CREDIT BUREAUS, BUT I SAID ITS NOT MY RESPONSIBILITY AND EXPLAIN THE ISSUE BUT THEY DINT WANT TO LISTEN AND SUR ENOUGH THEY DID REPORT TO THE CREDIT BUREAUS, AND MY CREDIT SCORE WENT DOWN FROM XXXX TO XXXX, AND I KEEP CALLING TO GET DETAIL BILL BUT THEY SAID WE WILL NOT EITHER TO PAY OR WE WILL LEAVE IT ON YOUR CREDIT, BUT THIS IS NOT FAIR TO ME IF YOU WANT ME TO PAY GIVE DETAIL BILL TO SEE WHAT IM PAYING FOR BUT KEEP ON SAYING NO I DONT KNOW WHAT TO DO

Company response to consumer: Closed with explanation