BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2020-06-17
Company: Experian Information Solutions Inc.
State: NJ
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 complained about XXXX XXXX and XXXX XXXX withholding payment information to my accounts for many months. This included an account that had been paid off. Experian investigated and found both accounts unreported. The first reduced balance ( more than {$2000.00} payment ) account with XXXX XXXX caused my score to go up while the paid off account ( more than {$2000.00} pay off ) with XXXX XXXX caused my account to go down 24 points. Simulation on Experian website had indicated that the pay off will have a positive effect and that was a motivating factor to raise my credit score. The simulation apparently lied because paying off my loan reduced my credit score by 24 points. It is had to understand why I am penalized for paying off a debt.

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 2022-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
EXPERIAN Credit has an incorrect date of birth. 
Should be XXXX/XXXX/XXXX ( NOT 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 2015-10-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2015 at XXXX ( cst ) I requested a stop payment be placed on an ACH debit that was due to hit on XXXX XXXX, 2015 in the amount of {$250.00} from a company called XXXX. I was given a reference number, XXXX, that the stop payment order was in placed. 

On XXXX XXXX, 2015 I check my online account and saw that the above reference item was pending. At that time I spoke to another customer service person and requested that the stop payment be placed on this item ; they confirmed that it was and provided me with the following confirmation number : XXXX. As I reviewed my account today I noticed that XXXX separate insufficient funds fees totaling {$140.00} had been debited from my checking account. I immediately called and requested that those fees be reversed because they were generated solely due to Wellsfargo Bank 's failure to honor the original stop payment request I made on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Servicer engaged in practices that harmed borrower, including but not limited to : failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; charging unauthorized fees for default-related services ; providing false or misleading information to borrowers regarding loans that had been transferred from other servicers ; failing to provide accurate and timely information to borrowers who sought information about loss mitigation services, including loan modifications ; misrepresenting to borrowers that loss mitigation programs would provide relief from the initiation of foreclosure or further foreclosure efforts ; improperly denying loan modification relief to eligible borrowers ; providing false or misleading reasons for denial of loan modification ( s ) ; with respect to transferred loans, failing to honor in-process trial modifications agreed to by prior servicers ; and robosigning affidavits in foreclosure proceedings. 

The servicer ( ASC ) cliams the investor ( s ) will not modify/pay " Corporate Advance Fees/RICO ) fees. However, after reconfirming eligibility and terms via REST Report/Loan Disposition Analysis/NPV, these fees should be waived, as this loan qualifies for HAMP Tier 1 & Tier 2, as it is confirmed that the investor participates ; the borrower, in good faith, paid the RICO fees of {$2300.00} on XXXX/XXXX/16. 
Claims of Improper Denial, The ASC confirmation for payment of the RICO fees was/is - 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 2016-05-14
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We bought a property n lender sold the loan to another company and did not clear the deed we stuck ca n't refinance did loan mod went on trial payment for six month n lender ca n't finalized my mod due to the original co.put a lein on my property n company no longer exist servicer advice us to file chapter XXXX and applied another loan modification and did that got discharged and now trying to apply another mod and servicer said we 're not qualified because we were late for 40 months now our house is on foreclosure what shall we do?

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 2022-07-25
Company: Experian Information Solutions Inc.
State: NC
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

EXPERIAN : XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} XXXX XXXX XXXX. XXXX XXXX XXXX : {$8500.00} XXXX. XXXX XXXX XXXX : {$4200.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX XXXX XXXX : {$2600.00} XXXX. XXXX XXXX XXXX : {$3100.00} XXXX. XXXX XXXX XXXX : {$1200.00} XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX. XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$8500.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3100.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00}

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 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2016 my paid off balance of {$180.00} dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. The company never notified me of the rejection and gave me this late payment. I now can not get a Bridge Loan for my business because of this mark on my credit and the company will not help me with this unfair situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a purchase at Bloomingdales and then returned the item. They lost said item and never issued me the electronic receipt ( I always try to go green ). I have disputed this with them for months and it was fun finally resolved. I have an email from them that states the following : Dear XXXX XXXX, Thank you for your recent inquiry regarding your account. 

This is to confirm the dispute regarding your account is resolved. We have updated the dispute to a resolved status with the three consumer reporting agencies listed below : However, it is still showing up on my credit report and XXXX has told me, after I disputed it, that they are still reporting it and I need to file a report here.

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 2020-04-19
Company: Experian Information Solutions Inc.
State: TN
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:
The complaint involves XXXX  ; XXXX  and Experian. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.

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 2022-07-25
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian dated XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

DEPT OF EDUCATIONXXXX XXXX Late Dates XXXX, DEPT OF EDUCATIONXXXX XXXX Late Dates 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 2019-12-24
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE 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 2022-01-20
Company: EQUIFAX, INC.
State: AL
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:
ACCOUNT 1 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information on an account thats almost 8 years old. 
ACCOUNT 2 : XXXX XXXX, AMOUNT : {$530.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information to include the original creditor ( XXXX XXXX ). Ive never seen this noted before. 
ACCOUNT 3 : XXXX XXXX, AMOUNT : {$250.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. 
ACCOUNT 4 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. Yet, they claimed to have verified the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I appreciate your time to delete some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

CAPITAL ONE AUTO FINAN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-03-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is an amount of {$630.00} on my XXXX that shows on my credit report that i think is a mistake, it does not show on my XXXX report, i am not sure but it could be a XXXX bill that my insurance probably paid late but it was PAID. If it is, how do i dispute it or make it disappear from my report, there is no phone number for me to contact the collection agency or so. Thank you

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-07-25
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: FIRSTBANK
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened an account with First Bank. I opened initially with a direct deposit of usd XXXX to learn how this bank operates. i found that this bank is not transparent how they handle the overdrafts/direct deposit. My direct deposits should be on the XXXX & XXXX and in some cases 2 days prior is in the system. However, when i had a pending transaction the bank only credit my direct deposit after they processes the overdraft charges. This happens several times, I received direct deposit in XXXX banks and when my money was available with the other bank, First Bank did n't put the money in my account, until they charged the overdraft. 
When i was overdraft i asked them to send me an email so in that case i can go to the bank but they were n't consistent .in some cases they sent a note via mail. The post mail is not actomatic and can take couple of days. However, I received several days after. 
Last thing that I found was ... .they deactivated my card without calling/sending via mail or email a note. I had a balance of XXXX in XXXX/XXXX and Usd XXXX in XXXX and a payment of XXXX should be paid in XXXX/XXXX. The company sent me a letter telling me that because the payment did n't go through they will cancel the warranty. They do n't follow any rules or regulation that the banks need to follow. I felt treated unfair as a customer.

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