BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: Carvana Group, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Issue : I booked travel through Chase XXXX XXXX program through chase.com website to redeem rewards - Chase sold a ticket which can not used. Chase is not able to take back the product. 

The sequence of events : XX/XX/2017 : Booked ticket for XXXX year old from XXXX XXXX XXXX. Got email confirmation. 
See attached. 

XX/X/2017 : I called Chase to confirm regarding {$150.00} fee to Airline for XXXX XXXX program. 

XX/XX/2017 : I called Airline to pay the fee. Airline declined stating that unaccompanied minor can not travel alone on connecting flight.

XX/XX/2017 : I called chase to refund the money since they sold a product that can not be used. Chase declined to help and said that buyer beware. This is clear cheating the customers of selling a product that you are NOT allowed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, Transunion and XXXX continue to report that I have 2 dismissed chapter XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a Chapter XXXX wage plan. Reporting that I have dismissed Chapter XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.

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 2020-11-17
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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  breach and believe some of my accounts were compromised.

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 2019-10-18
Company: STATE FARM BANK, FSB
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with STATE FARM BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and STATE FARM BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT ARE NOT MINE THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS OR INQUIRIES.

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 2017-12-19
Company: Home Loan Center, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have an identity theft case going on they have made 28 inquiries, applies for payday loans, car loans. Etc etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: OH
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 ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inqui

ry. 1 5 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 an account without my written instructions 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: PA
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:
Hi I have been trying to get this account to update on my credit since XXXX XXXX, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, XXXX in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, Equifax, and XXXX. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a collection account with Portfolio Recovery for the original creditor being XXXX XXXX. I contacted Portfolio Recovery by phone on XX/XX/19 and asked them if I paid the collection would they delete the tradeline on my credit report. They said that they do that for all there collections. It even goes as far to state that on their website. So I paid the amount they requested and here it is over a month later and when I went to check my XXXX  credit report and it is still there. It has not been deleted and all they did was update that it was paid. This is not what they stated they would do with their tactics to get my money. I was even told by the person I talked to, to make a recording of him saying they would delete it. I tried to dispute this with XXXX directly but they did not delete the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: OH
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 was going over my credit file when I saw accounts and utilities that I have never opened. I found collections accounts from companies that I have never done business with. I have moved back from XXXX XXXX XXXX a few times in the past 4 years. I am here in XXXX now. I do not know who has used my identity. I do not recognize the following accounts : 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. who ever it is I believe they are still using my name and my name is even misspelled XXXX XXXX XXXX my correct spelling is XXXX XXXX. I have filed a report to the FTC as well as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: DISCOVER BANK
State: TN
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 file a report with XXXX  and XXXX  on two accounts they are reporting on Discover and XXXX Mortgage both accounts are Fraud. I  send documents to both XXXX  and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 at around XXXX XXXX  transactions started to come out of the account as my husband was holding the phone on his hands. These transactions kept coming in until about XXXX XXXX. As the money was being pulled out of the account and sent to multiple people my husband and I kept pressing cancel transaction and issue a refund. we quickly reported the cashapp card stolen though we have the physical cards with us to prevent further transactions. I call the police immediately and filed a police report and submitted disputes for those transactions to cashapp. Cashapp replied by stating that we had to contact my bank and XXXX since {$530.00} were sent to XXXX to a card ending on XXXX. I had {$1300.00} in the account to complete my mortgage payment of {$1300.00}. However, my mortgage company never saw the money. I was taken right before our eyes. I contacted cashapp and they did not look into these suspicious transactions since they are saying that the transactions look like they were sent from my account. However, as these accounts were happening someone had XXXX my cash pin. Normally when you have a transaction and you want to send money or add money to your cash app account you have to have a cash pin otherwise the transaction will be cancelled. That did not happen at all. At this point cash app has done nothing to help me file a dispute nor investigate my claims. The institutions that they referred me to stated that they can not help me because these transactions originated from cashapp. I just want to recover my money and figure out who would do such horrible things. I still have to pay my mortgage company and cashapp is offering direct deposit and debit cards and my consumer agreement stated that if I notify them within reasonable time that my account has been compromised they would dispute it. However, they have done nothing about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2020, I sent a letter to TransUnion via USPS Certified Mail that disputed two accounts on my credit report. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. After 30 days, which was XX/XX/2020, I had still not received a response from TransUnion regarding my dispute. Therefore, I sent another letter via USPS Certified Mail on XX/XX/2020 that requested for the two disputed accounts to be removed from my credit because they did not respond within 30 days. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. It has now been 59 days since TransUnion received that letter, and they have still not removed those accounts from my credit 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 explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These accounts are not my accounts

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 2020-11-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
During my loan origination in XXXX, my loan officer coarsely advised me that I needed to pay for a rate lock on my loan to avoid any jeopardization in getting the loan ( in XX/XX/XXXX and XX/XX/XXXX ). That rate lock cost me {$680.00} and during the loan process, I experienced many delays by Wells Fargo which ultimately caused my loan to close outside of normal parameters for the considerations of the loan. 

In XXXX of XXXX, Wells Fargo internal auditing determined that it was in their best interest to reimburse the rate lock fee in the amount of {$680.00}. In XXXX Wells Fargo finally issued me a check for {$800.00}. When I questioned the amount of the refund, they sent me a letter, and in their letter to me dated XX/XX/XXXX they broke down the amount as {$680.00} for the fee, {$60.00} for interest, and {$64.00} to compensate me for the time that I did not have the funds. When I questioned the {$64.00} amount, they said " we're unable to accommodate this request, because the information requested is considered to be privileged, confidential and/or proprietary information to Wells Fargo ''. 
Since that original explanation, I have made multiple phone calls to Wells Fargo in which their representatives told me everything from they " don't see a inquiry in their system for me '' to " I reassigned the case to myself ... ..and their lawyers set the amount ... .and you're not getting a dime more '' to " we got an email about the rate lock issue this morning ... .let me check with my team lead to see what they did with you ''. 

Wells Fargo is clearly trying to cover legal bases and avoiding any explanation to resolution of my issue. Fair compensation for their illegal charge of rate lock fees should consist of the original rate lock fee plus interest of between 4.875 % and 17 % XXXX 4.875 % is the mortgage rate interest of the loan in question and 17 % interest is the yearly average return of my personal investment account during the time in question ), a mutually agreed upon interest should be accrued monthly compounded from XXXX of XXXX through the date of the resolution. The amount of compensation shouldn't be " privileged, confidential and/or proprietary information to Wells Fargo ''. In addition personal compensation related to time spent on my behalf to resolve the 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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX breach and believe some of my accounts were compromised.

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 2023-02-15
Company: Early Warning Services, LLC
State: OR
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 XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX  XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have indicated to Bank of America that I had fraud on my card through the internet services! Even though I explained that these internet companies have been taken fund unauthorized, they rules against me! The internet services compromise my account!

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 2017-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have requested SPS review this file for a short sale. SPS is refusing to do an interior appraisal/valuation of the home, even though they have been notified numerous times that the basement wall is collapsing, causing the home to cave in. The homeowners had to move out for safety reasons, yet SPS refuses to take this into consideration. Their blanket response is " the investor does n't require an interior valuation '' - yet they have n't even notified the investor of this issue. In addition, they are trying to force the buyer to pay for title insurance - which is a seller fee! Each state has different rules and in Michigan the seller pays this fee. They, again, refuse to clarify this with the investor on the loan and are delaying the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation