BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: SC
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 have been reviewing the FCRA rules for the past couple of months and sending letters in with no results. 

XXXX  XXXX XXXX Delete this account because the date last active is reporting 2 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. This information has been wrong for a few months now. 

XXXX  XXXX Delete this account because the date last active is reporting 3 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. This information has been wrong for a few months now. 

XXXX XXXX XXXX XXXX XXXX Delete this account because the date last active is reporting 3 different dates/comment. XXXX date last active states XX/XX/XXXX. Experian date last active states N/A. XXXX date last active states N/A. This information has been wrong for a few months now. 


XXXX XXXX XXXX Delete this account because the date last active is reporting 3 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. XXXX date last active states N/A. This information has been wrong for a few months now. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

In regards to the Fair Credit Reporting Act law, 15 U.S.C. Sec. 1681i ( a ), these accounts must be deleted. I want these accounts deleted since they are not 100 percent accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: PR
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency my make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s2 ( 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 2022-12-06
Company: AMERICAN EXPRESS COMPANY
State: MD
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, [ AMEX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: VA
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 inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Borrower has mortgage with Wells Fargo. During pandemic was off work due to Covid. Tried to apply for Federal Program to move mortgage payments missed to end of the loan. 
Original mortgage was under XXXX married name. When applied for help, the borrower 's name had change ( XXXX divorce was done, got married again. ) Wells had the original name still on the loan, so rejected the paperwork. 
A second divorce was pending so name again was an issue. Wells is now up to date with the second married name on the loan but will not accept paperwork. 
Calls bring no resolution. There are calls, emails, letters from Wells, etc. The amounts of monthly payments are different depending on what document you look at. Escrow account appears inflated. Payments made by app are being applied, then reversed but don't know where these are. 
Mortgage payment was around {$650.00} per month. Their app says {$650.00} due each month, but documents say over {$900.00} is due each month. One document from Wells shows over {$20000.00} due now. 
It is exceptionally confusing and overwhelming to say the least. 
We have numerous documents in print, some in email if you need them. There is a borrower and a co borrower on this loan and it looks like Wells may try to foreclose XX/XX/22

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 2023-02-21
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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:
XXXX XXXX XXXX  : account balance XXXX XXXX : ACCOUNT BALANCE XXXX in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights.

15 u.s.c 1661 section 602 A. States i have the right to privacy.

15 u.s.c 1661 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 2022-12-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
The medical service that are being claimed I did not used and I was explaining it to Wells Fargo, so I refuse to pay and they have it on my credit report

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account # XXXX # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-09
Company: Bread Financial Holdings, Inc.
State: CA
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 account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Resurgent Capital Services L.P.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was past due on my XXXXXXXX XXXX  account and called them on XX/XX/XXXX to set up a settlement. After being hung up on a few times I was told that they only do settlement calls on XXXX of month and call back then. Called back on XX/XX/XXXX and was told it had been sent to collections. In XXXX of XXXX I received a letter saying this had been sold to XXXX XXXX. I settled this debt with them XX/XX/XXXX for {$3000.00}. A couple of months ago I received a letter from LVNV Funding saying the debt had been sold to them. I notified them this had been sold and paid thru XXXX XXXX but never heard back. I filed a dispute with XXXX on XX/XX/XXXX and included the letter from XXXX XXXX saying that I had a XXXX balance. XXXX notified me on XX/XX/XXXX that the debt had been verified. I've only ever had one account with XXXX which is clear on my report and the XXXX XXXX email shows that it has been paid. I'd like the LVNV Funding removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

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 2022-12-06
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
judgment in XXXX writ in XXXX paid from XXXX XXXX XXXX balance was never updated reporting XXXX owed on credit reports only owed XXXX paid most minus XXXX still reporting delinquent and past due never updating reports balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: UT
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 following companies have violated my rights : XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602 A States that 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a home mortgage with Chase for many years, and have always paid on time. Then around XXXX this year Chase informed me that I had missed a payment, so I called them and discussed it, and learned that they were saying a payment I made was " returned. '' This turned out to be check # XXXX dated XX/XX/2022, for my XX/XX/XXXX rental payment in the amount of {$1000.00}, and I found out from my bank that this was debited by Chase on XX/XX/2022 in that amount. I explained this to Chase and thought it was settled, but then Chase started double-billing me. So I spoke with them again around XXXX and at length in XXXX or early XXXX. On XXXX XXXX, 2022 Chase sent me the bill due XXXX XXXX for {$1000.00}, but then on XXXX XXXX sent me a bill for {$2100.00} due on XXXX XXXX. I kept paying the {$1000.00} for XXXX, XXXX and XXXX, but I was sent another bill by Chase on XXXX XXXX saying I had to pay {$2200.00} by XXXX XXXX, so they were double- billing me again and adding late charges. Finally on XX/XX/2022 Chase sent me a letter admitting their error, writing : " On XX/XX/2022, we received your check for {$1000.00}, which we applied to your account as your XX/XX/2022 payment. We applied these funds effective XX/XX/2022 '' -- but the truth is Chase received this check on XX/XX/XXXX. Even though I was always up to date, on XX/XX/2022 I received an e-mail from Chase saying my " payment is past due. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: HYUNDAI CAPITAL AMERICA
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:
2019 repossessed 2019 charged off been reporting since XXXX XXXX charge off with a past due balance charge off cant report as past due since debt is charged off

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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I logged in to Transunion ( along with the other 2 major credit bureaus ) to temporarily unfreeze my credit so that my financial institution could run a credit check. As part of their identity verification process to allow me access to my account they required a credit card number input, so I did so. The only thing I did with any intention was to schedule a credit thaw and freeze. However, I was reviewing my credit card bill from last month and saw a charge from Transunion for {$24.00} on XX/XX/XXXX and then saw there was also one from XX/XX/XXXX, the same day I scheduled the credit freeze and thaw. I immediately called Transunion and as soon as I told the person on the phone that I was charged for a service I never requested he transferred me to a supervisor. The supervisor repeatedly refused to refund me any money, only offering to cancel the service. After arguing with him for several minutes I asked him to look up my account activitiy and he said that he saw that I " signed up '' for " credit monitoring services '' on the same day I scheduled the unfreeze. He also told me that there is a completely separate form to fill out for the " credit monitoring services '' but if I filled something out then it was purposely intended to appear as part of the credit unfreeze process. Also, I never saw any billing page, or anything about $ XXXX/month. I really don't know exactly how they tricked me into this, but this sure seems like a dishonest -- at best -- practice. I didn't wish to purchase any service at all, only to unfreeze my credit for a credit check and I want the total of {$49.00} that I paid refunded.

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 2022-12-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

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

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 2022-12-06
Company: Lennar Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I signed real estate contract on XX/XX/XXXX to purchase new construction home from Lennar XXXX XXXX, LLC. Property address is XXXX XXXX XXXX, XXXX, GA XXXX. We were specifically told that the home would not be built until early XXXX and closing for home would be XX/XX/XXXX. That was the key incentive for us to sign this contract as we knew we would not be financially secure to accumulate our necessary down payment, 40 % of the purchase price, until XXXX. After we adamantly expressed to sales agent that was the only scenario that would work for us, we were repeatedly assured by sales agents that closing would be at mid XX/XX/XXXX. Well during last week of XXXX we came to location of proposed home and noticed that foundation slab has been installed. Upon inquiring of sales agent about cancelling this contract and getting our earnest back we were told don't worry house would not be built until XXXX. We specifically inquired about pulling out of this contract at this point and was told that if home was ready earlier that XXXX, we could cancel and get our earnest money back. We feel the loan officer and the sales agent were working together to deceive us. Well, here it is in early XXXX and house has been built. We have gotten very limited, confusing verbal communications from Lennar sales agents, specifically XXXX XXXX, XXXX XXXX, XXXX XXXX and mortgage loan officer XXXX XXXX. We feel we've been lied to and deceived to sign this contract as they knew house would be built this year XXXX. Numerous phone calls have been not returned and we have not received any written communication from sales agents or mortgage officer as to specific resolutions at this point.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account 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 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