BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NC
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-03-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a student loan with XXXX for this school year. According to the XXXX database the school was paid and I am paying XXXX back which the account is current. XXXX is charging me for the same amount they were paid from my student loan.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing this company for months and frankly very very tired. Now I am trying to get a rental home and pay $ XXXX/month instead of {$2000.00} / month to live in a hotel room. I request that you please immediately delete and/or update immediately the incorrect balances as Equifax is defaming my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
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:
I am not liable for this debt XXXX. I do not have a contract with that company. I have contacted Experian regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.

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 2022-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have banked with Wells Fargo for over 15 years and have multiple accounts with them ( personal checking, personal savings, credit card, business checking ). I walked into 3 different branches today and neither of them would open an account for me. The first location ( XXXX XXXX XXXX XXXX, XXXX, CA ) said their business banker called in and they cant help me. Nobody inside that branch was able to open a bank account for me. Then I went to the second branch ( XXXX XXXX XXXX XXXX, XXXX, CA ) and after waiting in line for 30 minutes the bank teller said they don't have any bankers available for hours that would be able to open an account for me. Then I tried a 3rd branch ( XXXX XXXX XXXX XXXX, XXXX, CA ). Not one customer was inside the branch. There was 2 tellers and 2 bankers at desks. The teller tried her best to get me setup with a banker but she said he had appointments all day and its best to make an appointment. So I went online to Wells Fargo to make an appointment for one of the 3 branches I went to, and the soonest appointments as of today XX/XX/XXXX to open a bank account is XX/XX/XXXX, XXXX, and XX/XX/XXXX. I am an existing personal and business customer of Wells Fargo for over 15 years, and 3 branches turned me down to open up another account, and when I called the 800 number to make an appointment with a banker at a branch to open an account, 10 days was the soonest. Wells Fargo has gone way down hill since my family started banking with them 70+ years ago.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: AZ
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:
My report 's list of inquiries and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiries listed below. 
INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXBalance {$2100.00} XXXX  XXXXBalance {$590.00} XXXXBalance {$1900.00} XXXX XXXX XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXXBalance {$15000.00} XXXX XXXX  XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.

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 2019-04-15
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX or XX/XX/2019 I called into Paypal to ask them why are they continuing to char.ge my accont for several charges. I demanded to be cancelled on or about XX/XX/2019 permanently. They continued their withdrawals on XX/XX/XXXX and ongoing causing my accont to be negative XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I XX/XX/2017 I purchased a car that I had previously leased and was offered a loan through USAA. They accepted the collateral value from the lease company of approximately 18500. I asked for both the extended warranty and GAP insurance ... USAA calls this Total Loss insurance. Now They claim that I didnt get the GAP. My car insurance is also with USAA. My car was in an accident and it was totaled. They now are offering me XXXX and I owe over 18000. They now say I dont have gap and I owe the difference. Im sure I asked for it and they can not explain the gap between their XXXX collateral value for the loan and the dramatic decrease in value as determined by their insurance company. Its been about 7 months. I applied on the phone partially and online partially for the loan. Ive asked for my loan papers and proof from them that I was asked about GAP and that I declined it. They claim there is no evidence of that available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Ocwen Financial Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is reporting incorrectly. I never payed late and this is reflecting a 30 day late payment. On XX/XX/2017. it is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payments this is hurting my ability to obtain credit, and report them as paid on time. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Capital Accounts, LLC
State: VA
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:
CAPITAL ACCOUNTS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Fidelity National Information Services, Inc. (FNIS)
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:
ChexSystems as fraudulent information on fraudulent accounts and they will not give me my credit report from ChexSystems I disputed over the phone with a ChexSystems customer service who is very belligerent and did not speak that much of English they are causing me not to have a bank account with false and fraudulent information I would like them to remove every single bit of information on my ChexSystems report every one of them it 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 2022-07-18
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX at approximately XXXX am I contacted the bank about a mortgage application that we submitted. Upon speaking with the representative over the phone at the bank she insisted that she couldn't assist us. She said to call customer service before handing me over to the branch manager who claimed she couldn't assist then when pressed about the reason she whispered disrespectful remarks about us to the representative next to her that could be overheard since she had us on speak phone. The manager XXXX XXXX informed me that she didn't have to assist me even though I have a checking account with them. Meanwhile ignoring the fact she just disrespected me for asking for help. Before she hung up the phone on me I told her I am closing my account today. I proceeded to the bank immediately and requested to close my account. I demanded to speak with her supervisor and she declined and closed her office door on me to which I responded calling her useless. She refused to close my account then called the police to have me escorted out. The police told her that she couldn't call the police for simple customer disputes. If everyone customer service representative called the police there'd be chaos. 

Since nothing could be done I left the bank and proceeded to contact customer service once more to no avail. I received a letter on XX/XX/XXXX dated XX/XX/XXXX stating the manager XXXX XXXX has used her authority to close my checking account without due process or any regard to myself and the fact that I am permanently XXXX the manager is taking advantage to avoid consequences for their actions when I requested it it couldn't be done but she can retaliate and close my account instead. Nevermind the damage to my credit score given I have a pending mortgage application. 

This should be illegal.

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 2021-02-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good morning. I deposited a payroll check into my Wells Fargo using the ATM deposit service on XXXX XXXX and received a receipt stating that the funds would be available on XXXX XXXX. The check was in the amount of {$3800.00} with {$400.00} made available immediately. 

This morning ( XXXX XXXX ), I checked my account to find that Wells Fargo has now placed a 7-day hold on my payroll check. I called the customer service number and I was told that the check could not be verified and the hold would be placed until the funds could be verified. I asked multiple customer service representatives to call the XXXX number on the front of the check to perform the verification of funds and the Wells Fargo representatives stated that they could not do this. 

The verification number is provided for this exact purpose and the check was from my employer XXXX via XXXX XXXX XXXX and the check was drawn from XXXX XXXX XXXX, another large financial institution. My employer did make a {$400.00} direct deposit on XXXX XXXX to the same Wells Fargo account. I brought this to their attention in the hopes that they would make the effort to verify the check and release my funds but they refused. 

I am not unable to access any of my funds due to this hold. I am unable to pay bills, buy groceries, and provide necessary resources for my family for a week. Based on the documented information that I received on my deposit receipt, I scheduled payments with multiple creditors based on the funds availability date of XXXX XXXX. These payments will be returned as non-sufficient funds by Wells Fargo due to the hold placed on my payroll check. 

In my opinion, this is fraudulent activity and practices by Wells Fargo. Information was provided at the time of the deposit, payments were scheduled, they place a hold on the deposited check, and then I incur NSF fees which is profit for Wells Fargo. In the meantime, I am unable to use my hard earned funds. 

A representative at Wells Fargo could easily pick the phone and verify this check. It was explained to me that the check did not pass their automatic verification. I request a manual verification because of the hold and they refused without a valid explanation. 

I am requesting that someone from Wells Fargo answer for this procedure and provide a valid justification for a 7-day hold on a payroll check from XXXX that is drawn from XXXX XXXX XXXX. 

A copy of the ATM deposit receipt is attached. It shows the funds availability date and also an image of the deposited check plainly showing the check verification phone number.

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 2022-10-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Account status incorrect

Complaint:
There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 

Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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