BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$19000.00} XXXX XXXXXXXX Balance : {$13000.00} ( TIED UP TO OPEN ACCOUNT ) XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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: Account information incorrect

Complaint:
I have sent multiple letters to the credit bureau asking for validation of my accounts ( XXXX XXXX ACCOUNT # : XXXX, XXXXXXXX XXXX ACCOUNT # : XXXX ) and have not yet received validation. I believe the information on my credit report regarding these accounts are inaccurate. My first letter mailed out to the credit bureau was dated XX/XX/2021. I have sent reminder letters dated XX/XX/2021 and on XX/XX/2021, a dispute letter dated XX/XX/2021 as well. I am losing my patience and am worried about my credit file reporting inaccurate information that can be affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX am the legal heir and only child of XXXX XXXX XXXX, during the care of my mom, I discovered that my mom was being victimized by her mortgage companies. The house that she and my step father originally purchased was compromised by an existing second mortgage or personal loan. The amount that they stated she owed on the mortgage was XXXX that Wells Fargo assess to the house at the time. I contacted several companies for my mother trying to get that corrected for during the time of conservatorship. I hired several attorneys to deal with matter, none seem to be able to help us efficiently. 
My mother paid and struggled all of her life for her to have a home that is now in foreclosure and about to be sold, and the way that Wells Fargo went about it is less than humane. The courts that is involved in the matter created a domino effect and confusing avenue of failure in order for me to fail and mislead me to believe that everything that I was doing to help my family would be okay. They force us out of my mother 's house, took all our possession and gave me no monies that was due to me. I have been paying the taxes on the property. I followed proper protocol with the courts and the adversaries never once appeared in court and never met with me and my attorney. The agencies that I contacted provided no assistance in the matter. Wells Fargo did not provide my mother with the proper insurance in case something did happen to my mother that her house would be covered under the insurance knowing my mother 's illness. My attorney issued me the deed to the house so how has the house been foreclosed on. You may call me at XXXX. 
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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 2018-11-01
Company: Experian Information Solutions Inc.
State: CO
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:
EXPERIAN IS NOT REPORTING MY CURRENT CREDIT RATING AND I AM UNABLE TO GET THE MONEY I NEED FOR MEDICAL TREATMENT THAT MEDICARE DOESNT COVER BECAUSE OF IT ... AND IT IS REPORTING MISINFORMATION WITH REGARD TO MY HUSBANDS CREDIT SCORE, TOO!! I NEED 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 2019-11-08
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: MECHANICS BANK
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: Reporting company used your report improperly

Complaint:
In accordance with the fair act XXXX  Account # XXXX has violated my rights 15.USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not forward an account without my written instruction 15USC. 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit payment as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I contacted Mercedes Benz Financial/Credit Services shopping for car loan. I was told that a credit score of XXXX or lower, the default interest rate is 5.99 %. I knew my credit score was higher then XXXX. So I allowed the representative to pull my credit, suffering a hard credit pull. He quickly determined that I have several loans but all in good standing and my score is XXXX. He then offered me an interest of 6.25 %! This is outragous! That is prediatory lending! I couldn't believe it. I want Mercedes Benz to further look at my application and review my credit. I also want CFPB to look into this situation and determine if I was discriminated against. I think because I am a XXXX woman my credit inquiry was dismissed and disregarded. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a derogatory mark on my credit report from XXXX XXXX XXXX  for {$380.00}. This was on both Experian and XXXX. I contacted XXXX XXXX  XXXX  who was sent the credit account to collect and we settled for the above payment which would be resolved in full for less than full balance. This payment was made to XXXX on XX/XX/2020 and was taken out of my checking account on XX/XX/2020. I am in the process of obtaining a mortgate and this still shows on my Experian Report as being owed to XXXX 's. I called Experian and they said they can't do anything until XXXX 's send them notice it was paid. I called XXXX 's and they said it was sent to both Equifax and Experian. I checked my XXXX  report and the report shows that the account was paid and taken off their credit report. I am trying to buy a house and this is hindering me from moving forward. I asked to talk with a supervisor and every time I ask there is no XXXX available at the time and am told they will call me back, but they never do. The last conversation I had with Experian XXXX who I was talking to said that she would attach my documentation to my complaint and send it to XXXX. I told her no because I did not want to open another dispute because I would have to explain this to the bank and it will not look good. Shortly after that I checked my email and found that another dispute was opened for XXXX which I did not want. I immediately contacted Experian to have it removed and was told it would be. I have copies of both the original letter showing the account was paid and the new dispute that i never wanted. I had XXXX call on XX/XX/2020 from a supervisor named XXXX. I did not get that message until after XXXX p.m. He called me around XXXX XXXX that night. He left me a message stating he would call me in the morning ( XX/XX/2020 ) which he never did. Saved the message on my phone. during the day on XX/XX/2020 I talked with a XXXX, XXXX, XXXX, XXXX and all said they would have a supervisor call me which never happened. I called them at XXXX ; XXXX XXXX for a total of about 1 hour and 35 minutes and every time got disconnected. they have made my problem worse by their response. There was not one person who even made an attempt to help me and get a supervisor to talk with 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
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In 2022, my BOA checking account was fraud due to BOAs lack of management. I had to freeze this checking account and open another one. It took my a lot of efforts to update all my other automatic payments to this new checking account. Somehow my BOA credit card automatic payment was not updated with the new checking account. 

BOA did not contact me or call me regarding this issue. They closed my credit card which I had with them for 20 years, by over due {$13.00}. I think this is not a proper way of treating a loyal client who is with you over 20 years. I will appreciate someone contact to alert 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
Consumer complaint received 2023-06-27
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have recently closed my bank account due to fraud and somehow I have received a merchant refund which I still did not receive due to my bank account being closed and didnt receive a check in the mail for whatever credit I have received. I have recently contacted customer service before only to be told that anything that is sent to a closed bank account like a refund will be returned to sender. Other than that, I hope to have my issue resolved as soon as possible so I can at least receive my refund in some possible way like a check in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management calls me 3-5 times on a daily basis. As soon as I pick up, they call me by my husbands name, which is XXXX. In addition, they have tripled what the original credit card amount was thats owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TransferWise Ltd
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Using service Wise.com I've tried to send money to different country. 
After making a transfer I have not checked the status for a while. In about a month I've noticed that transfer is still not completed. I've contacted a company via online-chat option asking for a refund as service was not provided, the request was denied, and conversation abruptly ended. The company still holds my money, and they disabled online-chat function for this particular transaction so I can not request any information about it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Tower Loan of Mississippi, 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: Account information incorrect

Complaint:
inquiries on my credit reports are inaccurate alo i have no knowledge of these inquiries placed on my credit reports thiet not mines and i writing you to help get this resolved these inquiries were done without my permission or my consent that i have no knowledge of.

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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
The Capital One Customer Advocacy Office replied to the XXXX XXXX XXXX Complaint on XX/XX/23 by asking me for my new contact information after calling me earlier in the day from my new cell number to bypass the XXXX 

Told the Rep to reply to the XXXX, instead of trying to bypass the complaint process and now we're right back to claiming that they do not have my new cell # on-file by sending emails to update the acct. 

They are purposely denying the new card and mailing it to the prior address on purpose at this point for it to be compromised. 

This is also starting to look like Harassment/Discrimination which if not resolved w/this process, then it'll be forwarded to an consumer attorney or the New York State Attorney General XXXXs Office XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo offered a Covid-19 Loan Suspension Program for 90 days. They offered various solutions on the front end of the program. ( examples : move missed payments to end the loan, etc. ) We missed two payments under this program and then reached out to Wells Fargo to figure out how to resolve the missed payment situation under the Covid 19 Home Loan Suspension program. One of their solutions was to move your missed mortgage payments to the end of the loan. We though that was a viable option. Wells Fargo is happy to move these payments to the end of the loan but what they did not explain on the front end is to do this it labels your mortgage into a deferment status. That has devastating consequences to your mortgage. This is where the bait and switch came in. Wells Fargo offered happy solutions on the front end but did not explain the devastation it causes on the back end. The account number with WFM is XXXX. I feel WFM was not honest with their consumer on the front end about this program and has now left us in a very difficult situation. We have had our mortgage with Wells Fargo for 17 years. This is has been completely devastating. I have talked to XXXX people over the last 30 days with WFM and there has been no resolution offered by them that does not hurt our mortgage status or credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
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:
ftc violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is wrong XXXX card services FTC violations

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 2017-12-15
Company: Navient Solutions, 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: Old information reappears or never goes away

Complaint:
i respectfully ask that all loans that are outside the SOL for Texas be removed from my credit reports ASAP.Please remove all loans that are outside the statue of limitation of 4-7 years ASAP. Thank you. This should be done on all CRAs. I have emailed several times and it has been more than 30 days since my original request. Under the FCRA, you are legally obligated to respond. Please remove the student loans from my CRA reports immediately. They have been removed from XXXX, and should be removed from all others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX account # XXXX and XXXX 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

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 2021-05-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2021 my bank accounts where blocked. Fraud dept was contacted by banker at branch. I was told that letter by mail was the only way to verify my identity. It is now XX/XX/2021, and have not received so called letter.

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