BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent efforts to rectify this issue, the inaccurate information persists, adversely affecting my credit score and causing significant distress. 

There are several items on my credit report that are the result of identity theft or fraud. I have submitted multiple dispute requests, along with supporting documentation proving the fraudulent nature of these items. 

I have made numerous attempts to resolve this matter by submitting the required documentation and following the proper dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items remain on my credit report. 

The presence of these fraudulent items has a severe negative impact on my creditworthiness. It hinders my ability to obtain credit, secure favorable interest rates, and negatively influences my financial well-being. 

I kindly request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the resolution once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will no longer be a part of my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 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 2019-05-08
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$3200.00} not mine XXXX XXXX XXXX XXXX {$2000.00} not mine XXXX XXXX XXXX {$690.00} not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I needed to open a bank account in preparation for an XXXX   child. 
I received an email or targeted ad from Wells Fargo that advertised a welcome bonus after certain deposit requirements. 

I visited a branch to open an account and mentioned that I selected Wells Fargo because of the advertised promotion. They asked me if I was a new customer. I told them that I once had an account in the past but did not remember when. The banker looked me up in the system and I clarified that I would be eligible. I made the deposit requirements ( XXXX x 3 ) but did not receive the bonus, well after the time I should have. 

I called Wells Fargo about the matter and they told me they would investigate. I later received a letter saying I was ineligible for the bonus because I had an account in the past. I then received a phone call from the banker who opened the account to the same effect. I asked her why she didn't tell me I was ineligible when I mentioned why I selected the bank and clarified the terms. She told me that when she looked me up in the system at the time of account opening, no information contrary to the terms of the promotion was presented to her. The dates and conditions of my previous account with them was a relevant matter and if Wells Fargo had access to that information when they want to send me a letter, they also have access to the information when I want to clarify whether I am eligible to a promotion they solicited me. 

A flaw in the Wells Fargo computer system caused the banker to assure me I was eligible, fooling me into making the account and depositing the funds.

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 2017-03-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Synchrony bank has reported that a credit card was late. I 've called the company several times to resolve this issue. Every time I was told no problem the payment has been made. Obviously they did not notated anything as I am still being harrassed.

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 2020-02-25
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We received a mailer from XXXX XXXX XXXX regarding a streamline FHA refinance. After discussing with the mortgage lender, we began the process with intentions to close on the new mortgage in XX/XX/XXXX. We were told by the mortgage lender throughout the month to not make our XX/XX/XXXX payment as that would affect the payoff of our existing mortgage. As the end of the month got closer, we again asked if we should go ahead and make our XX/XX/XXXX payment and were once again told no that it would mess up the closing and payoff of our existing mortgage. We were able to close on XX/XX/XXXX with the payoff scheduled to be wired on XX/XX/XXXX. 

We subscribe to credit monitoring service and noticed early XX/XX/XXXX that the loan had not been paid off, was showing 30 days past due and our credit score had dropped significantly. We contacted Ditech ( our existing mortgage holder ) and were told that the payoff was posted on XX/XX/XXXX. We explained that the wire was sent on XX/XX/XXXX and the loan should have been paid off. We were informed that the wire department was gone for the day and that we would have to call back. We tried calling back several times, each time having to speak to a different person and explain our situation over again. We were put on hold and spent as much as an hour or more on the phone with still no resolution. 

During this time we also tried to contact our mortgage lender repeatedly. We left messages, sent emails, and got no response. Once we received a letter regarding our first payment, we were able to contact someone at XXXX as it included a specific person and their contact information. We found out the lender that we worked with on the refinance was fired and that was why were not getting responses. I explained our situation and they said they would get right on it and work with the title/closing company ( Equity Settlement Services ) to get resolution. I have since called 2-3 times a week to check on the status, but no progress has been made. This has been going on since mid-XX/XX/XXXX. 

We have spent countless hours calling and trying to resolve this issue with Ditech and XXXX. When I have asked for documentation of the wire that was sent for the payoff, I was told that they may not be able to give me that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX late hits.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 called Trans Union to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that XXXX is violation of FCCA.

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 2023-02-12
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I came into the XXXX dealership looking for a car after seeing their estimated monthly payments for XXXX car being XXXX $ I decided to look elsewhere before I left they tried to convince me to sign a paper for a credit pull to get the actual numbers I refused, but I see they pulled my credit anyways without my consent 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 2023-11-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see the previous two complaints that you closed. AmEx LIED to you. They did not provide " monetary relief. '' Instead, This is a lie. Instead, as of today, they allowed the crooks from XXXX XXXX to reopen the Dispute. This is the FOURTH time this Dispute is reopened by AmEx. I wrote to them that " I will report this to the XXXX who you lied to several times. Also, I want you to stay in this motel and get infected with whatever they give to your customers -- XXXX, etc. You are disgusting. 
Not thanking you, XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this account be investigated.

Under 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: W&A Intermediate Co., LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
WAKEFIELD AND ASSOCIATES Last reported XX/XX/2023 {$430.00} Open balance XXXX XXXX XXXX XXXX Original creditor My original balance was {$560.00}. I paid XXXX {$100.00} XXXX {$61.00} XXXX {$100.00} XXXX {$300.00}. I paid these amounts directly to the original creditor XXXX XXXX XXXX XXXX. I have filed a dispute 2 times through XXXX and XXXX. WAKEFIELD AND ASSOCIATES has been contacted on this matter and they keep confirming that I still owe the debt. I sent them a cease and desist letter on XXXX explaining that i choose to deal with the original creditor and that in fact this debt is paid in full. WAKEFEILD AND ASSOCIATES still has confirmed with the credit bureas that the debt is still owed. I provided them a payment history from my HSA debit card and they still keep reporting the amount of {$430.00} is still owed. I can not deal with all this stress in dealing with this issue as my health is not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-10-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

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 2023-07-02
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with Wakefield & Associates. I do not have a contract with WakeField & Associates. They did not provide me with original contract as requested, certified mail which they never respond with verification and validation letters. Did not provide date of the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
theBank Of Americaback in year XXXX  when the pandemic almost wiped out all of the human population ; theBank Of America ( FDIC Member ) recorded TWO ( 2 ) hard inquires for the amount of ONE credit card [ XXXX XXXX XXXX XXXX XXXX ] approval! 

I have recently been approved for an additional yet different credit card. BUT! Because of this atrocity that occurred in the year of XXXX, the hard inquired should be canceled out and/or deleted. 


Thank you for your time.

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 2015-08-26
Company: ROC Asset Solutions, LLC
State: ME
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a call from XXXX and the caller name XXXX from XXXX XXXX and XXXX XXXX XXXX. Called me and left a Voice Mail at first and saying that I 'm being sued and need to contact them right away to settle it before submitting the case. Then when I called I ask for a written validation to confirm. But they said that they already send one back in XXXX 2015, but never receive and they refused to send another letter but will email me the letter. So I told them I want a written and still refused. Now I asked for her name, the company and the address and already saw a bunch of complaints regarding to this phone number and Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: JPMORGAN CHASE & CO.
State: MA
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 shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 JPMCB AUTO XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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