BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX  and XXXX  on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX, XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX  ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXX XXXX  XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NC
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 if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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 2023-05-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This will be the 3rd report I have filed with you guys because after much investigation and correspondence with Wells Fargo this should be a continuation complaint about this institution.. I have sent them a most resent article from CFPB as well as referring to a major case of XXXX XXXX XXXX. I myself see a reflection in a mirror of me when I read through the claims in this very heated and horrible case!! I was a XXXX  Mom at the time they really Spun me out of control. Having to go to local XXXX XXXX XXXX XXXXXXXX places just so Me and my XXXX could survive paycheck to paycheck!!!! XXXX did not care!! Of course I have NO access to those bank statements. This has been dragging on, and on and on. The more i think about things the 33 years ive been with them the more i realize they have done me wrong. At XXXX they received my 1st paycheck when they were XXXX XXXX, then they changed to XXXX, now they are Wells Fargo. I sure wish you guys could do more than just scold them!!! I have said hey, let 's average out the XXXX  years instead of Civil Court, but they would rather make this 100 % XXXX  XXXX XXXX XXXX struggle with finding an attorney and go thru all that. So what say 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX ) XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Acct # 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 XXXXXXXX has violated my rights. 
15 U.S.C. 1681 section 602a states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish an account without my written instruction to do so.

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 2023-04-06
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: Public record information inaccurate

Complaint:
i contact XXXX Trans union, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies XXXX U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my trans union did not removed yet, XXXX needs XXXX remove the Public record please XXXX asking CFPB for help again 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Credit bureaus XXXX and Trans union are violating my privacy rights according to the fair credit reporting laws15 U.S.C. 1681-1681x. My bankruptcy was discharged XXXX however it still reads as a open discharge on. 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 2023-01-27
Company: Experian Information Solutions Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
N accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An Explanation of Your Complaint I opened a mortgage account in XXXX with Bank of America for my rental property loan and setup auto payment for monthly mortgage payment, never had any issues. 

In XXXX beginning, I was traveling and forgot to review the house insurance for a week, Bank of America end up buying the insurance on my behalf and charged me. In this process, BOA Opened an ESCROW account ( without my knowledge ) and never closed after the job was done. I always manage my mortgage and other payments ( without any ESCROW account ). 

In XX/XX/XXXX, I started seeing missing mortgage payments as they were not applied to my mortgage account even though there was debit from my checking account. I started getting letters that I may need financial assistance etc. After investigation, I learned that portion of my monthly mortgage is being credited to the ESCROW account and hence the remaining amount is not sufficient to be applied against the monthly mortgage commitments. There were no communication from Bank about it. I visited XXXX XXXX several times, also visited XXXX XXXX XXXX XXXX BEGGING to Please close my ESCROW account as I DO NOT need it and my financials are in Good standing situation. 

Bank personnel kept promising me that they will follow up and ensure its closed. It Never happened. 

It is IMPACTING my HEALTH as I got so much Stress due to this USELESS issue and it has also impacted my Credit history. 

Few recent tickets were opened with BOA and I never heard back on the updates Ticket # XXXX Ticket # XXXX. 


I am Really really sick and tired - BOA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE PLEASE HELP CLOSING IT ASAP.IM LOSING MY PATIENCE. 

CALL ME IMMEDIATELY.. 


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 2023-01-27
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with WF up until it was suddenly Closed. In XXXX. I have no late payments, no outstanding payments and did not go over any limits during my time of having a credit card with WF. I spent over four hour being transferred on the phone from online banking, the credit card department, the claims department to line of credit department. I have good to great credit from every agency, but can not get a credit card, because of something WF did. I can not find any delinquencies and wrongdoing on my end. Every time I call the credit card, WF departments, they tell me, " we will send you a explanation in the mail ''. I have requested explanation verbal, written and electronic for almost five years now, with no explanation. I have been making payments with the same amounts due for four years. I currently own {$5600.00} and have been making on time payments since the closure. That amount is not even close to the amount I had as my limit, so therefore my card should have never been closed. The limit was {$15000.00}. 
One month the interest rate is {$54.00}, then {$59.00}, then {$57.00}. I am being charged nearly half percentage every month of what is owed. 

The actions I have taken are contacting WF initially for four hours trying to get something resolved. I have spoken with every department they transferred me to, via phone. I have gone into the banks for explanations with no answers, but that I can not either open my account or even a new one without explanation. I have reviewed my credit card scores from multiple agencies in which there are no red flags. I've spoke with WF " claims and disputes '' and they have stated that it was closed due to " red flags ''. Years later I have attempted to open up another credit card and they stated I could not and to contact WF on the reasoning why.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently file an complaint with the 3 credit credit Agencies along with XXXX in regards to my rights under the Fair Credit Act, and has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602a States I have the rights to privacy. 15 U.S.C. 604a section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. I feel my rights have been violated and therefore would like this information to be removed from these agencies. In the information that I have attached below, it will show that I have went through the proper channels to prove that this is unfair and the information is proved to be unverified.

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 2023-01-27
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:
In XXXX I purchased a XXXX wheeler from that was financed with XXXX XXXX. In XXXX we were told of an extra charge on the account ( balloon payment ) which was not reflected on the contract I signed. Verbally with XXXX finance, I challenged this, sent them a copy of my contract and disputed the additional fee. I was directed not to make a payment until this was settled. After arguing this with XXXX XXXX, I was essentially told that I would be held to the balloon payment and I needed to pay the account in full. on XX/XX/XXXX I made the final payment, against my belief that it was a fraudulent charge of {$2200.00}. In XXXX I went to apply for a mortgage and noticed that XXXX XXXX had " charged off '' this account. I disputed it and they changed it to " paid in settlement {$2200.00} written off ''. I disputed this again as it is incorrect. They changed the status to " legally paid in full for less than the full balance ''. I disputed this again because Not only does this balance not reflect in my signed contract, but I actually went ahead and PAID it. I disputed this again and they changed it once again to " paid in settlement {$2200.00} written off ''. This is incorrect so I disputed it XXXX more time by calling experian directly and having a phone conversation. I just received the dispute results and it was not changed. It still reads " paid in settlement {$2200.00} written off ''. 
I was not contracted to pay a balloon payment and after battling a company to prove myself, they went silent and said I owe the balance of {$2200.00} in full. I paid them in full and it still reflects that I did not and has a negative impact on my XXXX XXXX and life.

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I inherited 25 % of this home from my uncle and own it with my XXXX XXXX XXXX mom and sister. Apparently my uncle and his significant other put a mortgage on the property in XXXX and stopped making payments when he died in XXXX. My mom nor my sister or me signed a note so we do not owe the bank anything. Wells Fargo never contacted my mom or us about the mortgage or the default and started foreclosure. We paid my uncles share of the mortgage in full and paid an attorney to work with the bank and they delayed the foreclosure but did not release the lien. The bank refused to work with me and my sister or the attorney we hired and will not send us information on the mortgage or what is owed. We want to get this lien removed but the bank will not talk to us.

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 2023-03-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items listed on my credit report. I recently obtained a copy of my credit report and found multiple inaccuracies that are negatively impacting my credit score. Below, I have provided details regarding each item and the reasons for my dispute. 

XXXX XXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX. Unknown Accounts : I have never had any business relationship with the following companies, and there is no way these accounts belong to me. Please delete these unknown accounts from my credit report immediately : Account Number : XXXX XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX. Inaccurate Information : There is no record in my possession that the following accounts belong to me. You must remove this inaccurate information from my credit report without any delay : XXXX, Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX Please investigate these matters promptly and remove any inaccurate information from my credit report. I kindly request a written confirmation of the completion of these actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: SC
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 leased an XXXX XXXX XXXX through XXXX XXXX that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. 

In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. 

There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in XXXX minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. 

Subsequently, I was informed that XXXX submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX. 

Ive tried to reach XXXX multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. 

I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that there is an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation