BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This complaint is about Wells Fargo, They've been telling me my account would be closed by XXXX and now the date changed to XX/XX/XXXX ... today after waiting on hold for well over an hour with the Executive office i was told i was wrong and it was stated to be closed on XX/XX/XXXX. This was NEVER communicated to me. 


When i spoke to XXXX XXXX on XX/XX/XXXX, he informed me " As soon as the wire recall is cancelled we could close this the same day. 

this was false, XXXX cancelled the wire recall over a week ago from today ( XX/XX/XXXX ) and wells fargo is still telling me my account is unable to be closed and transferring me to the fraud department. 

this bank has been holding my account at its mercy for a month now, it is now time to seek legal counsel and file OCC complaints if my continued complaints keep resulting in no action. 

Account # XXXX best regards, 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 2022-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Portfolio Recovery has reported this account to XXXX XXXX, XXXX and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards Portfolio Recovery, they claim they are with XXXX XXXX. I did have an account with XXXX XXXX  under XXXX which is a currently closed company that filed bankruptcy. XXXX XXXX  is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. Portfolio Recovery is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. Portfolio Recovery has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank appears to be intentionally slowly handling the check deposit from my home sale. They are insisting on holding the funds for XXXX days even though they verified that the check is valid with the paying bank. 

When you sell a home, it is reasonable to expect that the check deposited will be processed at least within a few days.I have made multiple calls to resolve and received misleading information ( one agent said the paying bank would not take calls to verify ). 

After resolving that mis-information and having the check verified as valid, I was told a supervisor would not release the funds until the XXXX days had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
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:
I asked the credit bureaus to do an investigation of everything on my credit report and they did The investigation and stated everything on the report was accurate I also did an thorough investigation myself and found Improper in accuracies Even after they did their report In coordinates with the fair credit report acting XXXX account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 States also state a customer consumer agency can not furnish A report without my written Instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need my address updated. I have asked XXXX, Equifax, and XXXX  to delete these ASAP. I only live at XXXX XXXX, XXXX, MI XXXX. I have lived at this address more than 2 years. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXXXXXX, MI XXXX, XXXX XXXX XXXX XXXXXXXX, MI XXXX, or XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: FL
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 sent multiple letters to the 3 credit bureaus, 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 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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I asked the credit bureaus to do an investigation of everything on my credit report and they did The investigation and stated everything on the report was accurate I also did an thorough investigation myself and found Improper in accuracies Even after they did their report In coordinates with the fair credit report acting XXXX account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 States also state a customer consumer agency can not furnish A report 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 2019-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I entered a bill pay to send my credit card payment through Chase 's online bill pay. I entered the name of my credit card company, their address, and the amount of almost {$700.00}. I submitted the payment, but it never got to my credit card company. I called Chase and told them that the customer service rep that the payment never was received. They said that it was sent electronically, not by check. I told them that the payment was never received by my credit card company. Chase sent me a confirmation of payment and told me that I needed to contact my credit card company. I contacted my credit card company and they searched for the payment and had no record of that amount in any of their accounts. I called Chase back and asked to cancel the bill pay. The person told me that they couldn't because they got confirmation that it was received. I told them that it wasn't received and I wanted to cancel the transaction or dispute it. The person at Chase told me that I couldn't dispute it and that I had to work with my credit card company to find the payment. I told them that they can't find something that they never got. The Chase rep told me that they couldn't help and couldn't open a dispute for it. After spending several hours on the phone with Chase reps and reps from my credit card, I couldn't get any help. Finally I spoke to someone I know and they looked at the confirmation that Chase sent me. The trace number on the confirmation is supposed to start with the RDFI 's routing number. Looking it up, it doesn't match any bank. Even after speaking to someone at the Fed Reserve, the person confirmed that the trace number is wrong because the first part of it doesn't belong to any bank. After over a month of calling Chase multiple times, I was finally able to get someone to dispute the transaction. I still only have a temporary credit, despite this happening back on XX/XX/2018. There are so many things wrong with this situation. First, there is a Reg XXXX violation for Chase refusing to open a dispute regarding the transaction. Second, Chase is violating the NACHA rules for using an improper trace number. Lastly, there has to be a UDAAP violation for Chase taking customer 's money and not doing anything to get it back when it goes to no one. I have a friend who banks with Chase who recently had similar issues with Chase 's bill pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX XXXX XXXX my email and phone number was changed to my chime bank account 15 mi. Later my lifes savings of {$8400.00} was transferred from my savings into checking and spent on a gaming site and XXXX! I filed two police reports and have all the evidence transactions over 75 emails to the company and many phone calls. No one will help me they have denied my claims and wont close or freeze my a account! Its XX/XX/XXXX and someone is still attempting to spend thousands on my card! Im left with not a XXXX to my name and no help! Chime is a fraud! Im a victim of theft and no one will help! I want me lifes savings back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
A company called XXXX on XX/XX/XXXX ran my credit. I hadn't had my credit ran since XXXX. I want this removed please. I've sent multiple letters on this before.

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 2021-08-02
Company: Experian Information Solutions Inc.
State: AZ
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 have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate it!

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 2021-08-02
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Me and my family members continue to receive phone calls from GMAC saying that they are going to move " move foward with my case as a refusal and paper work will be filed '' and to call the case manager at XXXX. This continues to happen after several complaints have been filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has continued to report a closed auto account on both my Experian and XXXX credit reports. The account was charged off as of XX/XX/XXXX and report a charged off account until XXXX of XXXX. This is misinformation and re-aged my account which has negatively impacted my credit score. XXXX XXXX XXXX not only has continued to reage my account they are not reporting the same original charge off account across all three of my credit reports. XXXX XXXX XXXX is reporting a charge off as of XX/XX/XXXX and not monthly on my XXXX report. I have filed mulptole disputes regarding this matter however no action has been taken. This is illegal act and has detrimental to my credit score. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. 

Also, my payment history between my credit reports do not match. I have brought to this to the credit bureaus attention multiple times and no action has been taken.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX/DEPT OF ED ACCOUNT NUMBER # 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 2022-06-22
Company: Rocket Mortgage, LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX and am very familiar with the payment processes on a mortgage loan. My home is finance through Quickens Rocket Mortgage. I pay my personal mortgage ahead and with a little extra for principal every month. I was due for XXXX on XXXX the XXXX and I made that payment. I didn't remember to change the date of my next payment that is set up automatically through my online banking, so I made another payment on XX/XX/XXXX. That moved my next due date to XXXX. I assumed by paying my payments early that more of each payment would go toward principal since each payment was made less than 30 days apart. When I realized I had made 2 payments back to back I went online to see how much principal I had knocked out. To my surprise, when they processed my payments they took out a full months interest from both payments. I assumed the second payment would only have 1 days interest accrued taken out of it but it did not. It had a full 30 days of interest taken out. I called Rocket and explained that they had processed it wrong. The gentleman told me that it was correct that it goes by the amortization schedule. I told him the amortization schedule was simply a prediction of what I would pay, if I paid exactly as the schedule predicts, but I do not, I pay early. In this case months early and 2 days apart. He asked if I wanted him to send me a copy of the amortization schedule. I said no, I don't need that. I then told him I thought it was illegal for them to collect interest they had not earned. He assured me it was legal but I do not see how that is true. From what I understood after talking to him was that if I mailed them XXXX check for XXXX payments today in one envelope ( which is the number left on the loan ) they would take a full months interest from each one of those payments. I can't find any language in my note that states this process, only that they will pay interest fist and principal second, which is common. I can't believe what they are doing is acceptable and haven't found anyone who knows, so I am writing you. If this process is compliant, it should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NJ
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:
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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 To Whom It May Concern : I am livid, you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist that you comply with the law by providing the requested information within the 30 days allowed. 
I submitted to you a notarized Affidavit of Truth and Facts outlining the inaccuracies and unauthorized inquiries on my Consumer Report and nothing has been resolved. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
In accordance and pursuant to the Federal Credit Reporting Act 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission. 
I will also be seeking compensation for the errors that were previously listed in accordance with and pursuant to the Federal Credit Reporting Act 15 USC 1681 ( n ) ( 1 ) ( a ) ( b ) - willful non-compliance and permissible permission. I may receive {$1000.00} per error to that which I am entitled of privacy and did not give written permission to disclose any information in my consumer report.

XXXX, XXXX, and TransUnion have violated both of my rights by furnishing the following accounts with errors without my written consent. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX XXXX specific XXXX XXXX Automobile Dealers, New XXXX XXXXL Auto Financing Companies XXXX XXXX XXXX XXXX  Personal Loan Companies XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX : CFPB Attn : XXXX XXXX Assistant Director of Enforcement Federal Trade Commissions Attorney Generals Office State Senate XXXX XXXX XXXX XXXX XXXX Texas Small Claims Court XXXX XXXX Texas Comptroller Federal Reserve System FDIC

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