BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} This will be my follow-up to ensure that the accounts are validated.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Consider this complaint as a follow-up to my previous attempt to ensure that these items are entirely removed from my file : XXXX 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 Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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:
I received a copy of my consumer report, and I noticed some late payments posted on my consumer report on a account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Maximum Accuracy. I have never been late on payments for XXXX ACCOUNT # XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payment be updated to on time as they should be as I was NEVER Late.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a XXXX card thru Wells Fargo for my floors. Received it around XX/XX/2020. Started losing jobs but i did my part and called Wells Fargo. They held off for a couple of months I made payments. Every other company made arrangements because covid just kept on getting worse. Instead Wells Fargo stated they could only extend assistance for a few months then everything would go back to normal. Meaning fees, interest, balance due. 
But covid made things worse. Wells Fargo didnt see it that way and closed my account within less than a year and reported me to credit bureus. I tried to make arrangements but was told because my account had a discount of no interest for a year i had to wait until that year was up. When it was i was hit with all the interest. I went from $ XXXX to XXXX. I was able to continue making payments but the balance hardly went down because i was still getting hit with late fees and more interest every month. 
My credit is done. My pockets are done and the only option that was given to me was {$110.00} per month to stop the interest on a XXXX balance. I py it biweekly and it still doesnt make a dent. 
Now i see news reports that Wells Fargo just settled for wrongful closures and practices in the tune of $ XXXX. Im not looking for money because i know i owe them but i need my credit report corrected and assistance in lowering this unjustly balance during the height of covid. 
Can someone please help me? 
Thank you

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For almost a year I have attempted to have the Credit Reporting Companies to stop the unlawful reporting of my private bankruptcy. TransUnion and XXXX have repeatedly responded back stating that the Bankruptcy Court has verified even after receiving the letter from the Bankruptcy Court stating THEY HAVE NOT REPORTED the account. 

XXXX has removed the account but TransUnion and XXXX are knowingly and willingly being non complicate. 

I have provided the Credit Reporting Companies via Certified Mail with Green Return Receipt a Notarized Affidavit of TRUTH, to confirm both my Legal identity and my legal address. Still both TransUnion and XXXX keep returning letters stating they have complicated an investigation and reinvestigation that the account was verified by the bankruptcy court, these are false and fraudulent statements by both TransUnion and XXXX as neither have never completed an investigation nor have they ever provided a Certificate of the identity to whom verified the account. 


15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) ( 1 )

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 2023-11-30
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was charged for the attorney and recording fee on XX/XX/2023 as shown on the statement dated on XX/XX/2023 ( see statement ). I have filed a complaint previously to CFPB regarding the foreclosure proceeding by Service Mac prior to the deadline of the document submission on XX/XX/2023 ( see attached letter dated on XX/XX/2023 ) and the foreclosure was suspended on XX/XX/2023 due to the completion of the loss mitigation package ( see letter dated on XX/XX/2023 ). The mortgage forbearance was approved on XX/XX/2023 ( see letter of mortgage forbearance approval ). Therefore, the attorney and recording fee should not charged to me due to foreclosure proceeding activation prior to the deadline of the document submission and foreclosure protection after foreclosure suspension.

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 2019-02-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I am currently being discriminated against likely cause I do no not pass as XXXX or someone who does not have anyone in their life who would send a personal check in the mail cause they care about them ... I am at the XXXX  XXXX location on XXXX XXXX XXXX in XXXX XXXX where my mom was hung up on twice and told everything was good but I am still being made to wait for whatever reason. I came in at XXXX and saw several other high maintenance customers helped and on their way while I wait patiently enduring the power the customer service representative feels they are due to exert. Pathetic and just sick of the constant treatment because I am not like everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an Alert from XXXX XXXX that an Inquiry from Capital One hit my credit report on XX/XX/2023. I did not apply for credit with them or any other lender recently. I contacted XXXX and they instituted a Freeze to my XXXX credit report and instructed me to contact both XXXX XXXX and XXXX to do the same, which I did ; my credit report is now frozen at all three bureaus and all also have an alert to potential creditors to contact me if anyone tries to use my information. I was also told to contact Capital One and report the fraudulent activity, which I also did. The application apparently used a XXXX XXXX CA address but that was all Capital One could divulge. Capital One also informed me that I could contact FTC.Gov who would notify me of any further attempts to use my information, but that is what led me to this CFPB site. Capital One said they would investigate the application but that I could also file a report with the Police Department, which I will consider doing ... not sure how that would resolve / add to the resolution as I have not yet seen any other fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX account 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 2018-10-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat.

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.

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 2020-06-16
Company: WELLS FARGO & COMPANY
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today XX/XX/XXXX, I logged into my XXXX XXXX XXXX Account Account # : XXXX and noticed my FIXED interest rate of 1.875 % had been increased to 2.875 %. Again, my rate was supposed to be a fixed interest rate. I have had this interest rate since XXXX due to a rate reduction for making 36 on time payments. I looked over my account and nowhere was I ever notified that my fixed rate had been changed. In fact, I had done a forebearance in XX/XX/XXXX and I have a letter dated XX/XX/XXXX for the repayment of the forebearance that also shows my rate as 1.875 %. I then noticed my lender showed as XXXX XXXX Wells Fargo . It appears my loans were recently sold to Wells Fargo. I contact XXXX XXXX XXXX and spoke to XXXX ID # XXXX and she informed that she saw no reason for why the rate was increased and that it was Wells Fargo that did it. My original loan rate when I consolidated my loans many years ago was 2.875 %. It was a fixed rate as well and then when down to a fixed rate of 1.875 % after 36 months of on time payments. I have never made a late payment either so this rate increase is not justified when again, I have a fixed rate. I do not appreciate Wells Fargo scamming me like this. If I had auto payments in place, I never would have known about this. Currently my loans are accruing interest at a rate of 2.875 and I do not know how this will be adjusted or if it will even be fixed. I have account documentation to support all of this. Furthermore, I was told my loans are not eligible under the forebearance for the pandemic. I do not understand why when I have federal unsubscribed and subsidized loans. Attached are the documents showing my loan repayment terms ( in regards to my forebearance ) clearly detailing my interest rate as 1.875 %, my last statement from XX/XX/XXXX and the account overview showing my rate was changed to 2.875 %.

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 2018-05-07
Company: NCP Finance
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan of {$400.00} on line on XX/XX/XXXX. They approved me and I was under the impression that the loan would be paid back in 4 payments. My monthly payment amount was {$250.00} and was done by automatic withdraw on the 4th Wednesday of every month. I am on Social Security XXXX  and that is when I get paid. In XX/XX/XXXX I contacted them to confirm that my last payment would be in XX/XX/XXXX. They informed me that the payments would continue until XX/XX/XXXX.At that point I had already paid {$770.00} on a {$400.00} loan. I asked what interest rate they were charging me and I was told 650 % and I was told that was the rate I agreed to. I never agreed to pay 650 % .I thought the interest rate was either 35 % or 40 % which is still a lot but I was in a pinch. I stopped payment at my bank on XX/XX/XXXX so that no further money could be taken out of my account by them. The name of the company on the bank records is XXXX XXXX XXXX. I have received phone calls and emails from a company called XXXX XXXX and a company called XXXX demanding payment of $ XXXX.Last week XXXX  put me on hold so I could speak to a supervisor ... .I hung up after being on hold for 10 minutes. All of the people who have contacted me have foreign accents. I received an email from XXXX stating that I could send payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX   OR send payment to : XXXX XXXX XXXX XXXX XXXX  same address only Dept. number is XXXX instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2022, Isent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating '' They do not report any bankruptcies to anybcyody. '' So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which iformation on a consumer 's character, general reputation, personal charactericstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

They credit bureaus violated my given rights under USC 1681.

According to U.S.c 1681 section 602 A. States I have the right to privacy.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
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:
i paid off an account with XXXX XXXX and Experian Refused to update my account balance and status after thy have been Notified almost 2 months ago. Experian is doing this willfully intoner to make me look very bad to lenders and to destroy my image to lenders which is a violation of FEDRAL LAWs on their part. i have a letter to prove the facts of this matter and if CFPB found that they have violated my rights i will like to pursue a Law suit against EXPERIAN. I have spoken to several reps of Experian and they have refused to update my account.

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 2018-05-28
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I purchase {$500.00} gift cards using my SEARS Citi Master Card from XXXX XXXX XXXX. 
My card has be declined on at least ( 5 ) times and I was assure that this would not occur again. We live in a small community and it is very embarrassing to have your card declined in a check out line where we own a business and a lot of people know us. 
When we contacted Citi and explained this problem that only occurs at XXXX XXXX, they stated that they would note this and we will not have this recurring problem again and gave me a {$25.00} credit for our problems. On XX/XX/XXXX I planned to purchases ( 2 ) two {$500.00} gift cards and to avoid any problems I called the fraud division @ XXXX and tried to explain that was going to make the aforementioned purchase and was having difficulty understanding the person who also was inquiring about my Home Depot credit card which had no bearing on my Sears Card. I believed I had called a fraudulent phone number. Upon calling back I spoke to an XXXX who had all my security information including phone numbers, passwords etc. and then demanded my personal banking information and account information before she would discuss anything with me. I was having great difficulty in understanding was she was saying do to the fact she had a foreign accent. I believe I was discriminated against because I was unable to understand her and she blocked access to my card for retaliation and for threatening to file a complaint. I requested to speak to a supervisor, I was then placed on hold and upon entering XXXX XXXX I was disconnected from Sears Citi Card. I did not receive any texts or calls and when I attempted a {$49.00} purchase my card was declined. My account was up to date, I just paid the entire balance of {$7600.00} on XX/XX/XXXX my credit limit is {$20000.00}. I'm totally IRATE.

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