BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts. 
The highest balance is different with {$1500.00} and {$550.00} being reported. 
Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
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 noticed that there was a " charge card '' account on my credit report from XXXX that was incorrect since I had never opened an account with that company. I called XXXX to confirm that there is no account. XXXX confirmed that there is no history of my name or social security number being affiliated with any account from them. Experian is the only credit Bureau to have this account on my report. I contacted Experian to submit a dispute to have this account removed from my credit report. The results of the Experian dispute were that they confirmed with XXXX that there is an account in my name with XXXX. I contacted XXXX again and they confirmed again that there is no account affiliated with my personal information. I filed a dispute once again with Experian, and the same result occurred. I contacted XXXX for a third time to confirm that there is no affiliated account, and they have confirmed 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 2022-08-01
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XXXX, 2022, I faxed Equifax my documents that they required to take fraudulent inquiries off of my consumer report. As of today, XXXX XXXX, 2022, they are still on my report, and impacting negatively, as well as hindering my ability to have a correct credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: MS
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A section states : I have the right to privacy.

15 U.S.C. 1681 Section 604 A section states : It also states a consumer reporting agency can not furnish an 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 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 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 2021-10-02
Company: Chime Financial Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I paid for a ticket for my mom to go to my aunts funeral when it was time for my mom to check in with XXXX XXXX they told my mother that they cancelled her flight do to her XX/XX/XXXX type and that I would have to contact my back to get the charged reversed so I did on XX/XX/XXXX on the chime app I submitted all documentation and they said that my dispute would be completed XX/XX/2021 at XXXX  that didnt happen so I contacted chime on XX/XX/XXXX through the app and got no response so I called them directly and they said yes its past the 90days for my dispute and they would have to escalate the problem and that I would hear back to them on XX/XX/XXXX and still no response so I called the same day and they said that I would have to wait til the next day which was now XX/XX/2021 and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Is this a SCAM or what? Email from Pentagon Federal Credit Union No Fee XXXX XXXX, XXXX XXXX Sun XX/XX/2021 XXXX PM Hello Ja and Et Thanks for talking today. As I mentioned PenFed rolled out a no fee VA XXXX ( Refinance ) program a few weeks ago. We are covering all the fees ( VA funding fee, title, credit, etc. ). If you have your taxes escrowed at PenFed we are able to rollover the balance to the new loan. Here is the breakdown of what I was playing around with that I mentioned You current situation Remaining Balance : {$540000.00} Interest rate : 2.75 % Payment : {$2200.00} +/- ( Principal/Interest ) VA XXXX XXXX XXXX XXXX : {$540000.00} Interest Rate : 2.25 % ( 2.276 % APR ) ( XXXX Credit Score ) Payment : {$2000.00} ( Principal/Interest ) Monthly Savings : {$170.00} Total Savings : {$63000.00} This is just something that I was playing around with and thought you should know since we are covering all the costs. 



Let me know if you would like to discuss further. 





-Thanks! 







XXXX XXXX Mortgage Loan Officer NMLS # XXXX O : XXXX | C : XXXX Submit a Mortgage Request Get My Rates

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 2022-04-25
Company: EQUIFAX, INC.
State: MS
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A section states : I have the right to privacy.

15 U.S.C. 1681 Section 604 A section states : It also states a consumer reporting agency can not furnish an 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 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 2022-09-28
Company: Experian Information Solutions 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:
The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the XXXX XXXX XXXX website these companies DO NOT hold a valid license in the State of TENNESSEE. 
They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, any of the debt. 

The accounts and their account numbers are listed as follows 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 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 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 explanation
Consumer complaint received 2022-04-25
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 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 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 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 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 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit card with Bank of America, that was in good standing, then I had a yearly charge for {$25.00} or so, I didn't know it was charged and missed a payment. Then wasn't sure I missed a payment and missed another since I haven't used the card in a while. I paid in full and then there was an interest payment that was {$1.00}. Which caused me to be late again because I thought I paid in full. So then BOA cancelled my card, all of the delinquent payments weren't removed because of an honest mistake and my credit took a massive hit. It's not like I charged thousands of dollars and left town.

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 2021-10-02
Company: Experian Information Solutions Inc.
State: MA
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:
Experian sent me an email XX/XX/2021, stating that my email address had changed. I responded when I could in XXXX XXXX  stating that I was locked out of my account and had not changed my email address. Many emails later have been ignored by Experian, which apparently has no functional live customer service department. 

I believe my account has been subjected to identity theft and can not reach the credit reporting agency to address this concern.

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 2022-02-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text from a Wells Fargo number on XXXX, asking if I had initiated a XXXX transfer to XXXX XXXX in the amount of {$3500.00}. I replied NO, and then received a call from a Wells Fargo number ( XXXX ) on the same day. The person went through all of the typical " prove who you are '' information, by sending a text to my phone. Then they said I needed to " receive '' the XXXX payment back to myself. So, they had me transfer via XXXX {$1000.00} & {$1000.00} to myself @ XXXX. The following day ( XXXX ), I received another call from Wells Fargo stating that the investigative team had shown that my on-line account profile had been breached. They stated that I needed to move money to the new on-line account that they were setting up for me. So they had me wire transfer {$24000.00} to the " new '' savings account to my email address : XXXX to get my new on-line profile started. All seemed as if it was correct. On my way home from work, I thought I would stop by my local Wells Fargo bank in XXXX to see what further needed to be done to secure my new account. At that point, they told me it was fraud. I contacted the Wells Fargo Fraud Department later that same day ( XXXX ) to report the incident. 
Wells Fargo gave me a " provisional '' credit for the 2 - {$1000.00} XXXX transfers ; however, they said they could not do anything about the $ XXXX. I did find out that the $ XXXX wire transfer went to another Wells Fargo bank. Wells Fargo said they had to get permission from the receiver of the funds to return it & they could not contact them. 
I have filed a police report with my local XXXX Police Department - case # 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 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
While applying for a Mortgage Loan I discovered a significant amount of accounts, charges, inquiries, and negative reports on all three of the credit reporting agencies ' credit reports. I immediately began disputing the errors and followed the proper procedures in getting all the disputed items cleared from my report. I have been only slightly successful and getting the matter cleared up. I have filed a FTC identity theft report and sent certified copies to each reporting agency along with some creditors and have closely monitored my own reports watching for changes. I have received several letters for XXXX, XXXX, and TransUnion using stall tactics in the correspondence stating they are unable to clear up the matters with statements like my documents were blurry or unclear, or the accounts have been validated etc. When asked to provide evidence of how they validated, I've received nothing and its been over 30+ days since sending the request. 
I feel like my legal rights have now been violated and their lack of response accordingly is now costing me several thousand dollars since im unable to obtain adequate housing and remain homeless due to low credit scores caused solely from the identity theft keeping me from gaining a mortgage. Due to the severity of the damage, its causing I want the agency held accountable for the violation of my rights and this report is only one way I plan to seek justice. I have the intent of also filing lawsuits of all parties involved including reporting agencies, credit collectors, and credit debtors and all other parties involved. 
I am hopeful this report will encourage the reporting agency to comply with the rules and laws and update my credit report asap.

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 2022-08-01
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted XXXX, XXXX XXXX, XXXX and spoke to an employee that identified herself as : XXXX. I explained the Notice XXXX XXXX XXXX did not list the XXXX to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, Friday XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXX MORTGAGE SERVICING ; and the mortgage holder : THE BANK OF NEW YORK MELLON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than XXXX business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the Bank XXXX New York and its servicer, XXXX, Attorney XXXX XXXX, XXXX XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXE Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, 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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation