BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I bought a hvac system on credit at 0 % interest. I set up automatic payments. These began and started going through. This month on XX/XX/XXXX my wife told me that the WellsFargo account didn't get paid. I called as it was on automatic payments. 
The customer service agent told me I called and cancelled the automatic payments on XX/XX/XXXX. I didn't not. After WellsFargo attempted to retrieve the call logs I was informed that I cancelled the automatic payments online. I did not. 

When an automatic billing is cancelled an email is generated automatically and sent to the consumer. There is no record of this on the XX/XX/XXXX. I have another card that I cancelled today XX/XX/XXXX to see if it did email me and the automatic system did. 

This could be either a one-off technical glitch within Wells Fargo 's system or it could be a systemic method of bilking customers of interest on 0 % interest credit cards. 

I didn't cancel the automatic payments, and being a paralyzed 100 % service connected veteran I believe that what Wells Fargo is doing is reprehensible. 

My wife and I pay our bills on time everytime and setup automatic payments where available. We are trying to build a handicap accessible house ( I was granted the XXXX XXXX to help with cost ). We need perfect credit to do this. Wells Fargo is putting in jeopardy our ability to build our home through manipulative practices designed to have consumers miss payments unknowingly and then charge them extra interest.

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 2021-04-15
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: Their investigation did not fix an error on your report

Complaint:
I had an account back in 2016 which the creditor agreed to remove from my credit report once i paid the full balance. I have been attempting to resolve this with the three credit bureaus and the creditor, unfortunately till this day they have not remove and it is causing financial hardship.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: IL
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:
I did not initiate these inquiries, and I believe they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be exposed and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.

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 2023-02-15
Company: M&T BANK CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For the past three years I have been calling the bank about my monthly PMI/ MIP ( Private Mortgage Insurance/ Mortgage Insurance Premium ) because it hasn't been coming down. They told me the monthly PMI/MIP is for the entire life of the loan. I have never missed a single payment, and in fact have paid more towards principal when possible. My principal balance is extremely close to falling to 80 % of the original value of my home/original loan amount. ( 79.5 % ) As an additional testament to my responsibility, another mortgage company XXXX XXXX XXXX XXXX ) cancelled my PMI entirely before I even reached 80 % principal to loan value. 

M & T Bank has a poor track record with disclosing fees to their customers. I just received a settlement check ( ~ {$40.00} ) as part of a class-action lawsuit where they charged " pay-by-phone '' fees. Many customers were part of the class-action lawsuit.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this as I am a consumer and has been a victim of inaccurate reporting by XXXX XXXX on their account [ Account Number : XXXX ]. I want to bring to your attention the fact that the account has been inaccurately reported as " paid twice ''. This error on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) regulations. 

I am hereby requesting the Credit Bureau to remove any and all credit information associated with XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report, as your bureau is a party to this reporting of incorrect payment history. The inclusion of such an entry in my credit report, as " paid twice '' has adversely affected my credit score, which in turn has had unnecessary financial consequences. 

The accurate information which XXXX XXXX  should have had provided was in fact that I made a payment in full for the account [ Account Number : XXXX ] and the account was closed after balance was fully paid at end of year 2020. Any entries reporting an incorrect status or repeating the same information would not only be a violation of FCRA guidelines but also misleading as such double pay or overdue/pending payments ultimately give incorrect certainty to my creditor scoring. 

The reporting of " paid twice '' has marginalized my credit standing with the worthiness as a borrower and also has had impacts like higher interest rates, having difficulty in securing loans from various lenders, and so summarily created unnecessary financial hardships. 

This reporting error by XXXX XXXX has caused significant inconveniences to me and failed to comply with FCRA provisions. The FCRA regulations aim to protect consumers from inaccurate credit information, and as such, any violations of these laws will attract legal actions for failure to comply.

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 2021-10-11
Company: RentDebt Automated Collections, LLC
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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. RentDebt Automated Collections , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX Balance Owed : {$28000.00}.

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 non-monetary relief
Consumer complaint received 2020-03-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During the week of XX/XX/2020, I contacted 53 Bank regarding an email sent by the company about hardship assistance amid the coronavirus pandemic. I called the bank to ask about the possibility of getting a deferment of my payments given that I was separated from my job as a result of the coronavirus crisis. The representative from 53 Bank said they would send documentation to process the request. On XX/XX/2020, I received an email from 53 Bank asking me to sign an agreement regarding my " delinquent account ''. Up until this point, my account has never been delinquent. The document basically states that the only way to not make the upcoming three monthly payments would be to sign a document acknowledging that my account was delinquent, and instead of deferment, I am getting a delinquency extension that could potentially affect my credit history. The document includes a phone line to request assistance, but the line immediately disconnects after it tells you to wait for the next available representative. I have made multiples calls but they are all automatically disconnected. I contacted the main 53 Bank customer service number and they told me they do not know anything about the situation and that if I need help I need to keep calling the line that is basically disconnected. The bank is basically using the financial hardship encountered by people as a result of the pandemic to get them to sign agreements about alleged delinquent accounts that were never delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX i received a speeding citation at XXXX VIRGINIA and i paid it on XX/XX/XXXX. Now, on XX/XX/XXXX I apply Multiple of jobs i was denied those jobs because the employers said I did not pass my background report so i requested a copy of my report that is when I reach out the citation was reported on my background report. 

So when i riche out XXXX XXXX - XXXX XXXX they said that they never received the payment. then i end up making the payment again with interest. 

After i made the payment a proof payment was giving to me by the court. so i disputed it and i uploaded the documents giving to me by the court and i contacted XXXX MULTIPLE of times trying to have them remove the error on my report so that i can be able to get a job and i not getting though them still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts are not mine the name XXXX XXXX XXXX XXXX XXXX are not mine addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not mine never lived there I have sent documents such as XXXX, BIRTH CERTIFICATE AND RENTAL AGREEMENT showing support yet the 3 credit bureaus will not remove info that is false which is giving me bad credit there's also inquiries like XXXX showing up if the acct is there why would I have them run my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: FL
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:
Hello I recently made a cfpb complaint # XXXX to Experian who has their report number # XXXX. I also previously wrote Experian regarding these same issues. 

It seems in the latest " fix '' explain did one thing I asked, which was to Fix my correct name and only name to " XXXX XXXX XXXX '' however upon looking at my new updated credit report the wrong name of " XXXX XXXX '' still appears on my credit report. 

1 ) Correct Name again is " XXXX XXXX XXXX '' 1a ) Wrong Name again is " XXXX XXXX ''. ( Please Delete along with anything associated with this name which is not me ). 

2 ) Correct Address is XXXX XXXX XXXX XXXX XXXX. 

2a ) Wrong Address # 1 XXXX XXXX XXXX CT, XXXX XXXX XXXX, FL XXXX 2b ) Wrong Address # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have lived at no other address in the USA other than XXXX XXXX XXXX XXXX XXXX, for I recently moved here from XXXX ( another country ). 

3* ) Experian shows many things on my credit report associated with " XXXX XXXX '' or XXXX XXXX which again is not me. XXXX and XXXX show " NO CREDIT '' whatsoever, because I don't have any. How can Experian have all these accounts on my credit report that dont belong to me? 

Experian Accounts that do not belong to me : a XXXX XXXX  Account # XXXX  delete this account not mine. 
b ) XXXX XXXX Account # XXXX delete this account not mine. 
c XXXX XXXX XXXX XXXX Account # XXXX  delete this account not mine. 
d ) XXXX XXXX  Account # XXXX  e ) XXXX XXXX Account # XXXX  Delete this account not mine f ) XXXX XXXX Account # XXXX  Delete this account not mine. 
g ) XXXX XXXX Account # XXXX  Delete this account not mine h ) XXXX XXXX XXXX Account # XXXX  i ) XXXX XXXX XXXX  Accont # XXXX  ALL the above accounts are for the man : XXXX XXXX or XXXX XXXX XXXX or something along those lines, My name is XXXX XXXX XXXX and am not associated with the above person. Again, Both XXXX and XXXX show none of these accounts on my credit report. Somehow Experian has all the accounts under my name " XXXX XXXX ''. 

I have attached Identification again and my citizenship of when I came to this country. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: PENTAGON FEDERAL CREDIT UNION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I was a victim of identity theft all these inquiry are fraud please remove these inquiries from all credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Barclays View credit card. 

On XX/XX/2023, I received a promotional offer via email that states " When you use your Barclays View Mastercard in XXXX, XXXX and XXXX, and spend {$300.00} or more on purchases each month, you'll earn an additional XXXX points. '' and the fine print states that " All points earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' Upon receiving the email, I proceeded spending over {$300.00} in XXXX, XXXX and XXXX using my Barclays View credit card.

Not it has been over 12 weeks after the promotion ended and I have yet to receive the rewards points as stated in the promotion. 

This is consumer fraud. 

I am formally making a complaint to CFPB to investigate how many similar promotions are not honored and how Barclays is tricking people into spending with their credit cards.

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