BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Ive reached out to XXXX several times disputing this and requesting a removal of the rolling 120 day from my credit reports. They refuse to remove this from my credit report. It is still appearing on my Transunion Credit Report. 

I lost my job during covid, the company I worked for closed. I applied for a forbearance of my HELOC which I received. During that time each month the non-payments were submitted to the credit bureau agencies. XXXX indicated that I had a late payment prior to that. This account was brought current in XXXX of 2022, all payments are up to date. Therefore, I requested that the rolling 120 late be removed, they have refused. 

This is a problem as Im in the process of applying for a reverse mortgage which would pay off the HELOC. This issue is an obstacle to my ability of being accepted. 

I would appreciate any assistance in getting this matter resolved.

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 2022-09-19
Company: EQUIFAX, INC.
State: MO
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 am submitting this Another CFPB Complaint to inform the Credit Bureaus that they have failed to correct or update the disputed accounts reporting erroneous information on my Credit File. I previously sent a dispute letter addressed to the Credit reporting Agencies requesting that they update and correct the disputed accounts on my Credit File. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother passed away in XX/XX/2019. A week after she died Wells Fargo froze her account. Two of my sisters were listed as executors of her estate. Unfortunately one of them died a year before my mother. Wells Fargo keeps requesting letters. Than its a copy of sisters death certificate. Which we have provided. We have talked to an attorney and he said Wells Fargo doesnt need these letters. This is now going on three years and they refuse to give us any information as to why this one account is frozen. We need this money so we can close out my mothers estate.

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 2022-09-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I tried to open a bank account with HSBC a few months ago ( XX/XX/2022 ). Due to the fact that I missed a few calls where HSBC asked for additional documents, HSBC decided to close my account and to deactivate my online banking. At this point I had already transferred USD XXXX to the account. 

HSBC communicated the closure to me a few weeks after the account opening ( end of XXXX ). Since this time ( 3-4 months ago ) I am trying to get my money back. I have not received any communication from HSBC that would talk about how to get my money back or that HSBC is working on it. I received a check for USD XXXX mid XXXX ( it wasnt communicated what this was for but I assume this was interest ). 

Since XXXX, I have contacted the HSBC customer service team many times, last time about 4-5 weeks ago. The only communication I received from them is that they cant help me as another team is responsible. This team would not take any customer calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to Experian was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report. 

XXXX XXXX XXXX {$17000.00}

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 2022-11-25
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
There is a collection on my Experian report that has been paid in full and constantly reports an account type of collection. This account is closed and paid in full please fix this.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Request personal information to be removed from my credit report that wasn't correct. 

When they responded they said it was verified information

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 2022-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to file a complaint to get under a repayment plan. I have paid the repayment plan on time to date. The repayment plan is near expirations and I seek to file for a loan modification. The company will not proceed with my application for a loan modification. I am unable to get any type of answer as to why. I keep submitting the application and it just will not proceed. I need assistance in getting the process to commence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: OK
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 is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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: V and H Portfolio
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: Their investigation did not fix an error on your report

Complaint:
Vance & Huffman is not correcting errors on my credit report. There are so many inaccuracies that I have been disputing and they do not removed them. Isn't this a violation of the FCRA? I have a letter from them stating they are aware of the disputes. Also, I need validation of debt, a signed copy of a contract stating I owe them the alleged debt pursuant to 15 USD 1692g Sec. 809 ( b ) of the FDCPA.

It seems this company is already is violation and account should be deleted. All documents they've sent and copies of dispute letters and complaints are getting sent to my attorney. 
Thank you in advance for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX ( Original Creditor : 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 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 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 2023-10-23
Company: Experian Information Solutions Inc.
State: IL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent INQUIRIES from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any INQUIRIES listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2023-10-14
Company: EQUIFAX, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
EXACTLY WHY ARE THESE BEING SENT?????? 

I REFUSE TO COMPLY!!!! 

CFPB HAS WAYS FOR US TO ID OURSELVES, THIS IS YOUR WAY OF NOT HANDLING THE DISPUTES BUT CONTINUING TO LIE TO CFPB STATING YOU'VE ADDRESSED IT! 

YOU ARE IN VIOLATION OF THE FCRA LAWS AND I WILL SUE IF THIS DOES NOT STOP! THE FTC AND CFPB ARE ALREADY SUING XXXX XXXX OVER THEIR UNETHICAL LAW BREAKING PRACTICES, IF I HAVE TO I WILL SUE YOU AND CALL ATTENTION TO IT TOO!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to recover logging information. Online system keeps asking for secure information but it never allows to recover user ID. Unable to create or contact customer support for Experian.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: IL
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:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave EXPERIAN any written consent to report anything on my consumer report, No consent is Identity Theft.

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 2022-06-23
Company: EQUIFAX, INC.
State: TN
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:
I applied for Car and they said was going to just pull for XXXX. But on my Credit Report, I had XXXX hard inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX or XXXX of XXXX  I took a {$800.00} title loan out after my boyfriend tragically got killed and I been paying high interest and fees on this loan almost XXXX years now almost I have paid this {$800.00} loan back XXXX just in interest and I recently lost my job last month and I also recovered from XXXX awhile ago and I can not not afford to pay this loan nomore because I already paid over {$4000.00} just in interest in almost XXXX years now and I'm struggling trying to just pay my bills now and I'm asking for compensation if possible due to mental anguish and pain I been having still trying to pay this loan off I'm exhausted I just want my title back to my truck please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
THIS PREDATORY LOAN COMPANY PREDATORIZED MY DECEASED PARENT 'S AND PICKED UP WHERE THEY LEFT OFF WITH MY BROTHER ( EXECUTOR ) AFTER THEY PASSED AWAY! THEY ILLEGALLY FORECLOSED ON HOME DURING THE COVID19 FEDERAL MANDATED LAW TO " NOT '' FORECLOSE ON ANY HOMES DURING COVID19!!! ONCE THEY ILLEGALLY SOLD HOME THEY KEPT EXCESS FUNDS AND ARE REFUSING TO GIVE THEM TO THE RIGHTFUL HEIRS!!!!!! THEY ARE EVADING ANY " CORRECT '' INFORMATION REGARDING ATTORNEY CONTACT INFORMATION!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX ( Date XXXX XX/XX/XXXX, Credit Limit {$1500.00} ) , XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-06-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX Inquiries : 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 Experian 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 2019-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital One performed a hard inquiry on my Credit File without disclosing or asking permission after issuing a Credit Card to my Corporation. 

The Corporation has a good XXXX and XXXX and Capital One without authorization or notification pulled a personal credit file. 

Furthermore this hard pull was completely unnecessary as I have been a customer of theirs for over 4 years. They could have just as easily seen that i have NEVER had a late payment. They could have done a soft pull to satisfy their own curiosity if needed I need to reiterate this was a Credit Card issued to a business. A corporation and not an individual by any means. I did not sign a personal guarantee. 

There was absolutely no justified reason that this should have happened. 
When i called them to complain and demand that they remove it, i was given the run around and eventually told that they didnt KNOW HOW or KNOW WHO could undo their misdeed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 did wire transfer to XXXX XXXX from My checking account us {$40000.00} and found that it was a scam. I asked branch office where I wired to recall this amount and report it was a scam.

Company response to consumer: Closed with explanation