BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Westlake Services, LLC
State: AZ
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 sold the vehicle and paid off the loan since I was going through financial hardship. The company closed my account but left my account as delinquent. Please check that my account has no balance anymore but left my credit as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 reviewed my credit and found this account, which was reporting inaccurate information so I sent disputes to the credit bureaus and after a supposed reasonable investigation, they verified the account as accurate. I am disputing this because they are reporting inaccurate information this whole time! They have not responded to my disputes, or sent me the documentation requested! they have, however written me a check for {$24.00}, which verifies the inaccuracies! They have continued to report this despite the inaccuracies, and the fact that they must have done some sort of investigation to find a balance? The only other reason that they could have written a check for is my silence. My next step is to go to my attorney!

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 2022-07-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone pretended to be an employer from XXXX. Hired me, then sent me a welcome packet which consisted of me filling out an XXXX, direct deposit slip, etc. I wrote a report for them and never got paid, that was when I realized the whole thing was a scam. It was too late, they had all my personal information. I told them I was on to them that was when they deleted all accounts. 

I have XXXX inquiries that I did not authorize : ( some are duplicates ) XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, These are incorrect names that are on my credit report : XXXX XXXX, XXXX XXXX, Accounts that are fraudulently on my consumer report : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, Incorrect Addresses reported on my consumer report : 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 non-monetary relief
Consumer complaint received 2016-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, 2020, I called Transunion and informed them that I had a inquiry on my credit report. I was told that they would not remove this inaccurate inquiry from XXXX XXXX XXXX XXXX XXXX, 2020 ) even though XXXX  removed this inquiry. If another credit bureau removed an inaccurate inquiry why is Transunion refusing to remove it? I want this inquiry removed immediately. 

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 2021-01-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Thank you Chance for sending me the information on my account. See attached account info as well as your letter. 

My question is. You said I paid last on XX/XX/2014. You then mentioned that my date of first delinquency is then XX/XX/2014. So, I am wondering if my last payment is in XXXX how is it that Amos 60 days later it finally becomes delinquent? Please explain to me why the account should not be date of first delinquency as of XX/XX/2014? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or around XX/XX/2022, my debt card was being denied. I called my bank to find that my bank had my account under review for closure and our funds were frozen ... We were never notified by the bank in anyway. 
Not knowing our funds were frozen, we previously submitted checks to pay bills a few days before I called the bank. As a result, we were charged return check fees on all of our checks by the merchant. 
We were not notified and had no knowledge that our payments would not be honored.. We should not be responsible for the returned check fees and US Bank should pay them. The bank told me " they do not pay merchant fees ''. 
Also. because of our " late '' payments, our excellent credit score is now deteriorated through no fault of our own.I called to inquire why our account was being closed, I was not given an answer... only saying 'it was under review '' We did not have a negative balance.

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 monetary relief
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Whom It May Concern, This letter is in reference to these closed accounts still reporting activity after the close date on my credit report. This is illegal, inaccurate, and really damaging my credit profile. There should be no activity reported after the closing date period. Remove the following account for reporting inaccurately : 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 non-monetary relief
Consumer complaint received 2022-07-19
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2017-05-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since this   XXXX  /Navient loan started, the interest rate is high, balances are not going down, they never told us about repayment options, only forbearance and deferments that add more interest to the loan. W hen one of those pe riods end, the payments always more than double. The original loan was for {$15000.00}, the current balance is {$26000.00} and in 2 years it will be {$35000.00}. The money comes directly out of our checking account every month. Because this is a  Parent Plus loan, they w o n't even discuss moving this loan to our son whose loan it really is. In   XX/XX/XXXX ,  my husband was laid off an d 2 weeks later had a   XXXX   XXXX . We had to do a deferment/forbearance. My husband did recover and obtained a new job making only about 60 % of the salary he used to make. The payment went up after that. We filed Bankruptcy i n  XX/XX/XXXX  and could not get this discharged. On  XX/XX/XXXX , mu hus band had his  XXXX   XXXX . He is currently on   XXXX   XXXX    XXXX  and not sure if he 'll have a job to go back to. We received notice fro m Navient that the  payment was going from {$210.00} to {$460.00} a month at the beginning  of  XX/XX/XXXX . I arg ued with them for quite a while and did get it lowered to {$210.00}. But in 2 years that Payment is going up to {$630.00}. I am  XXXX  and have not been able to get full time employment and work as an   XXXX   XXXX  . My husband is  XXXX  and we have no idea if or when he will recover from this  XXXX . We just need this to go away. All  XXXX  of my children have incurred loans of  $   XXXX   or  more PER YEAR. The totals are ove r $ 100K t hat they each owe. Something needs to be done. There ar e  XXXX  other Parent Plus loans ( because that 's all that the colleges accept anymore ), but with differ ent companies and they are a small bit easier to work with. There needs to be some protections in place for all the Seniors that are getting stuck with these loans. We live in Illinois and hope we can be part of the law suit against  Navient. Because of the  XXXX , we are currently losing our home as well. When I explained that to Navient, they still did n't want to work with us. We ca n't afford this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Upon review of my credit report from XXXX I noticed a collection account from Enhanced Recovery Co XXXX stating an amount of {$360.00} is owed. After contacting the listed bureaus I was informed to contact the reporting agency. Enhanced Recovery Co XXXX was contacted via certified mail requesting validity of this account. XXXX XXXX validation letter was signed and delivered on XXXX XXXX, 2016. Enhanced Recovery Co XXXX has yet to respond with proper documents bearing my signature. I have contract with this company nor the company they are representing. I request this collection is DELETED and REMOVED from all reporting credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
i have money in the bofa edd account that im unable to get. initaily i was asked to verify my identity which i have done 3 times and still im left with the same problem. its been such a headache i would like for them just to mail me a cashier check if they cant clear my account. its been about two months since this problem began. Please I need relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX 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 2015-07-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2015 I requested debt validation from Enhanced Recovery and still have not received any evidence that this debt is either legitimate or belonging to me. I also disputed this with the credit bureaus and they conducted an investigation and stated Enhanced Recovery verified the debt, which is absurd that they verify a debt to a credit reporting agency and not to me, the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent a few disputes to this company, which have yet to be properly investigated or responded to in accordance to FDCPA guidelines. Yet they still continue to change me fees and send inaccurate information to the CRA about this account, while in the middle of a unresolved dispute with written instructions not to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo processed a large item first so that they could charge a fee for the smaller items. I should have only paid XXXX for fees instead they charged me XXXX. The ATM took my monies which create an erroneous balance. The bank refused to cover fees that were created because my account did not have enough funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I was part of a class action lawsuit against my mortgage company. I went into contract for my home with XXXX XXXX XXXXt and I was part of a class action lawsuit against my mortgage company for predatory loaning and fraudulent activities to which XXXX XXXX homes were ultimately awarded to the victims. I was under court order to stop paying my mortgage while litigation was taking place. I was fighting with XXXX XXXXy before the court order because the house they sold me was way worse then what they said and I had to spend roughly 30,000 dollars to renovate enough to be able to move in and during that time I had to pay rent to live elsewhere pay for construction and pay my mortgage. I am not the only victim here my property is listed in this court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I write this to call your attention to the manner in which your representatives at the branch in XXXX, NJ have chosen to do business which is absolutely deplorable! To attempt to earn inter company marketing and sales credits by opening and closing accounts and manipulating them is both ethically atrocious and against state and federal banking regulations. This is now the THIRD time in the past few years that people from this bank have XXXX with my accounts to my detriment. I am enclosing email correspondence between myself and your representatives that will be self explanatory once reviewed. 

Very briefly the story goes like this : On XXXX XXXX, 2015 I received a phone call from the Manager, XXXX XXXX XXXX offering to increase the interest rate on my savings account. I related my bad history of dealing with the people at this branch who XXXX my accounts in the past when I moved a large sum of money to Well Fargo and that I had to go back to the bank and do it all over after the bank rep who did this was fired. I did not want to go through this again. I then received a phone call XXXX that a line of credit was being processed and that my checking account would have to be closed and another XXXX opened at which I told him that I will not agree to any of this until I see the terms of the LOC in writing and agree to them. Next thing I know I receive an email confirming my LOC account was established without my knowledge. The following day I receive the terms to that LOC which I did not approve. I immediately sent in WRITING a notice to the XXXX reps that I did not agree to these terms and that they opened an account in my name without my permission, and they are to close that account immediately as they had acted improperly. This all fell on deaf ears, and yesterday I received a bill for the annual fee {$25.00} for this LOC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed