BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against XXXX located in XXXX XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2023-11-21
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I submitted an auto payment on my account with XXXX in XXXX of 2023. XXXX, XXXX, XXXX all came out on auto pay but they did not pull XXXX. They did not notify me in any way of a late payment and then XXXX night I see a pending charge for XXXX payments. When I called they then told me that I was not on auto pay and they had never attempted the XXXX payment and could not provide me any information on the previous payments. They continued to state that I was wrong and I had been logging in, but could provide me no information. I told them that these were fraudulent to which they told me it must have been me. 

This company is extremely hard to deal with and very unprofessional. I understand auto-pays and my responsibility to ensure they are made regardless of set up as I work for a financial institution. However, I am confident that there is an error on their end that they are not owning up to in this instance. I am upset that they refuse to provide me any documentation or information and rather just keep telling me I am wrong. 

I have requested in addition to this a copy of the payment terms that they are saying I agreed to and they are saying there is no such thing that they can provide.

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 2022-10-13
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. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, # 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which enter dates the report by more than seven years.

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, XXXX, Experian.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my 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 2023-02-10
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a promotion for my chase freedom unlimited card holders which is called my chase plan. Where for a single transaction it could pay installments. 

I set up this feature. And chase bank generated the statement on XX/XX/XXXX of which due date was XX/XX/XXXX. 
And XXXX setup a payment from XXXX on XX/XX/XXXX which was returned. And then Chase again re run the payment on XX/XX/XXXX and it went through successfully. So the XXXX statement was paid before the due date. 

Due to some issue with Chase bank system they posted the amount twice. And generated a wrong statement on XX/XX/XXXX. As I saw the transaction have been posted wrongly online, I called chase on XX/XX/XXXX and informed. They asked me to wait until next statement processed. And I called again on XXXX I called with the XXXX statement about the error. Customer service representative took my complaint seriously and promised me to fix it. 

As it was not resolved I called again on XX/XX/XXXX and let them know. They told me previous person who recorded the complaint had a mistake so they couldn't fix the statement and he is going to fix it and will be fixed by XX/XX/XXXX. 

I didn't see the correction on my account so I called them on XX/XX/XXXX. Now they say that they can not fix the statement as it was already generated. 

I tryed to file another complaint for what happened and the customer service representative or her XXXX who answered on XX/XX/XXXX is not helping to resolve their accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, Bank XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX Michigan 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have waiting to see if Wells Fargo has included me as part of the CFPB as I definitely should be included. I called Wells Fargo on XX/XX/XXXX when I hadn't received anything from them. No one would even attempt to look at my records. I was only given a genetic answer that they are still working on cases and they will be in contact with me. 

In XXXX Wells Fargo refused to consider any type of modification of my loan because they provided me a 3 month modification in XXXX. All payment requirements were met in XXXX and I was making regular monthly mortgage payments until XX/XX/XXXX. 
In XX/XX/XXXX my husband was injured and unable to continue working. He applied for XXXX payments. He finally began receiving monthly payments in XXXX. 
I requested XXXX consideration in XX/XX/XXXX which was denied in XX/XX/XXXX because Wells Fargo decided the 31 % income requirements were met. A second HAMP filed in XX/XX/XXXX was denied in XX/XX/XXXX. 
During this time I worked diligently with a mortgage workout counselor through a local agency and was reassured there would be no problem in qualifying for assistance through Wells Fargo because I met all the requirements. 
I worked closely with Wells Fargo and provided them any and all documents needed and attended and completed credit counseling. Every time I contacted them I was assured they were processing my case. It took nearly 2 YEARS for them to turn around and tell me I didn't meet the requirements because of the 3 month trial modification I completed 5 years previously. I will never understand why they gave me false hope and led my credit counselor and I on for 2 years thinking all was good and my request would be honored. 
I would appreciate a good long look at my case. There is no doubt Wells Fargo mistreated me and I should be included in the CFPB suit if I'm not already.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile has failed to maintain reasonable procedures the operations to ensure, the maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2023-12-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XX/XX/XXXX, my father opened a trust with XXXX attorneys in XXXX, Ga. He designated me trustee. I was tasked with putting his assets in the trust, my father had XXXX. His bank accounts were in Wells Fargo, XXXX XXXX a Wells Fargo employee handled our paperwork.It took three tries to, get it correct. My father only came with me the first time. The accounts were in the trust,XXXX XXXXXX/XX/XXXX. My Dad passed XX/XX/XXXX, XXXX years later. When I first contacted the bank I was told they had the death certificate and needed nothing else from me as the trustee. When I spoke to XXXX XXXX my fathers WF financial advisor he told me we needed to take an RMD from his IRA and I would need an account to put it in. I had already applied for an EIN. WF opened two new accounts in the trust with the EIN, because the existing accounts were not owned by the trust as requested, the trust was the beneficiary. Then WF tells me that my POA did not allow me to open these accounts. They tell me I must go to probate. They requested a copy of my POA as they were missing the first page and I gave them my Certificate of Trust, as well. They have frozen the accounts and are insisting I must probate, even though my father set this up so we would not need to probate.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
Reached out to XXXX XXXX XXXX XXXX regarding the validity of the debt, but they did not provide any. I am the person making this complaint & I give CFPB authority to investigate this claim. As I am looking over my credit report, this account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to { {$0.00} } or delete the negative payment status on this 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 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
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:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquires that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquires removed from my file as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NJ
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:
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 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 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 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. This Bk of Amer is fraudulent and preventing me from obtaining a vehicle. I am not able to get my children to school. I have submitted all the documentation according to the fcra 605b social security card, identification, and utility bill and this account is still on my 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