BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXXXXXX 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.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

the credit bureaus failed to do a proper investigation.I still haven't received notice of investigation listed at my proper address 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/22 I received an alert from XXXX  XXXX showing a hard inquiry and when i called the company they had no record of any applications on record and advised i dispute the inquiry. I have not recently applied to anything to recieve an inquiry

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 2022-06-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: AR
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX XXXX XXXX collection and XXXX leasing 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 an 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
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:
This would be my XXXX follow up letter, demanding Experian and XXXX to DELETE these accounts immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX  These arent mine and I dont owe them any payment. They both showed 2 different information in terms of Date Opened and Last Active. The information was incoherent, incorrect and inaccurate to me. Kindly delete them on my credit report now!

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 2023-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am writing to express my dissatisfaction and concern regarding the recent overdraft fees charged to my account. I have been a loyal customer for XXXX, and I believe the fees imposed are unjust and burdensome. 


I understand that overdraft fees are a standard practice, but I believe that the number and amount of fees charged in this instance are excessive. As a valued customer, I request a thorough review of my account history, and I urge the bank to reconsider these fees. 

I appreciate your prompt attention to this matter and hope for a fair resolution that aligns with the long-standing relationship I have maintained with Wells Fargo XXXX I look forward to a timely response and a positive resolution to this issue

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 monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These account are 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a bank account with Chase Bank because for XXXX, I thought they would be a good account for my SSDI account because I have heard of them for years, and also I saw an advertisement about a new account promotion for {$200.00} to open account. I signed up sometime around XX/XX/2022, received email congratulating me on opening account, on XX/XX/XXXX received email about mobile app. Then on XX/XX/XXXX, I received an email, after I opened the account about the code for {$200.00}. I contacted customer service about it, they said that because I opened my account before I received the code I wasn't eligible for it. The advertisement said that you had to open an accout and do direct deposit before XX/XX/XXXX, Then I had problems with my account. When I contacted the XXXX to change banks, somehow my account number was swapped with my SSN. I didn't get my check until XX/XX/XXXX, caused me to miss out on another promotion for {$100.00} if you use your card XXXX times before a certain date. I feel like I was done wrong. I have pics of the emails. And statement from XXXX. XXXX or XXXX of the emails say it's still waithing on me to use the code, but when I try it says that part of the site isn't working try again, no matter how many times you try it says the same thing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXil Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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 2022-06-27
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX Experian is reporting late payments with XXXX XXXX XXXX  XXXX experian did not properly verify this account. I'm requesting Experian to remove late

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: GA
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 FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Formal Complaint Against TransUnion - Data Breach, Inaccurate Reporting, and Violations of FCRA and FDCPA Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TransUnion regarding serious issues that have arisen from their handling of my personal information and credit reporting. 

Firstly, I discovered that my sensitive information was compromised in a data breach, and it is now circulating on the dark web, exposing me to potential harm. Despite this, TransUnion has failed to adequately address the fallout from the breach. 

Additionally, TransUnion is reporting inaccurate and incomplete information on my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has not only damaged my credit score but has also violated my rights as a consumer. 

I believe these actions by TransUnion are not only negligent but also malicious. As a result, I am seeking compensation for the damages incurred due to their fraudulent activity and violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions against TransUnion to ensure consumer protection and hold them accountable for their actions. 

Thank you for your attention to this matter. 
God bless. 

Sincerely, 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 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
CapitalOne is violating the California Constitution usury laws maximum interest rate by charging a 28.49 % APR rate on a SECURED credit card in which I paid {$800.00} for only a {$1000.00} limit. 

Capital One is also charging a {$23.00} monthly INTEREST charge on their secured credit card. 

Capital One asks for a {$40.00} monthly minimum fee and then automatically takes out {$23.00} for a monthly interest fee making it very improbably that Ill ever be able to pay off my secured credit card with the income that I have reported. 

Limit Increases arent possible on Capital One secured cards. Capital One is using deceptive practices by giving the option for a limit increase and then denying all limit increases. 

If I choose to pay off {$40.00} monthly due to it being all I can afford, very little of my balance from CapitalOne ever goes down. Capital One even reported an inaccurate balance of {$1000.00} yesterday to XXXX when my balance is lower than that amount. 

CALIFORNIA CONSTITUTION ARTICLE 15 USURY SECTION 1. The rate of interest upon the loan or forbearance of any money, goods, or things in action, or on accounts after demand, shall be 7 percent per annum but it shall be competent for the parties to any loan or forbearance of any money, goods or things in action to contract in writing for a rate of interest : ( 1 ) For any loan or forbearance of any money, goods, or things in action, if the money, goods, or things in action are for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a Mortgage account that is showing me 30-60days or more late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). was allowing for consumer protection under the CARES act in which the creditors are allowed offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXXXXXX account showing XXXX, XXXX date XXXX, XXXX, XXXX, XXXX are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

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 2023-02-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo unfairly did not offer me competitive rates during my mortgage refinance process and is overcharging me. Wells Fargo also concealed the fact that I was eligible for an escrow free mortgage causing me to lose potential interest income.

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 2022-06-27
Company: TFS FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have a Mortgage account that is showing me 30-60days or more late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). was allowing for consumer protection under the CARES act in which the creditors are allowed offering accommodations. I have on my THIRD FEDERAL SAVING XXXX # XXXX account showing XXXX, XXXX date XXXX, XXXX, XXXX, XXXX are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX Bal : {$260.00} 2. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} XXXX. XXXX Account Number : XXXX Bal : {$0.00} 6. XXXX Account Number : XXXX Bal : {$0.00} 7. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 8. XXXX Account Number : XXXX Bal : {$390.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a letter from Harris & Harris , Ltd. On XX/XX/22. I called phone number on the letter XXXX they were attempting to ask for my personal information that I did not give but they have my address and name. When I called them and I gave them the Reference number which they said was another person at first, they asked me to repeated the Reference number and it came out my last name. 

The bill shows medical treatment in a hospital from a city and state I have never been in my life and a {$3200.00} balance. 

They said they will send the report to the hospital for them to investigate. 

I asked them for a confirmation number, they said they do not not provide XXXX. 

Phone number on the letter is different from what it shows on the company website. 

I have never received any bill from this hospital in the past and I never been in that state/city.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was divorced on XX/XX/XXXX. I was awarded the home in my name only and my ex husbands name was removed from the deed.I feel behind on the mortgage after our divorce and contacted the company. They said I could do a modification and it would remove my ex from the loan. My ex did not sign the modification documents and his financials were not considered. Once it was finalized, they said I was told by mistake that his name would be removed. 
Now he has taken me to court to get his name removed. I can not refinance because I lost my job due to the pandemic and have only been in my new position for a year. 
I have requested a loan assumption of the current loan and its modified terms and conditions. Even though this is conventional loan..it is assumable under the XXXX XXXX of XXXX that exempts transferred resulting from a divorce from any due on sale clause provision that exists in the mortgage. 
Please see documents attached in reference to my request sent to Carrington mortgage several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Conn's, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX**** ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation