BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
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 have a XXXX XXXX rewards card on XX/XX/XXXX i made a payment of {$100.00} for XXXX payment. On XX/XX/XXXX i made an payment of {$1000.00} for XXXX 's payment with a due date of XX/XX/XXXX. On XX/XX/XXXX i mad a {$300.00} payment for XXXX 's payment. less than five days after the XX/XX/XXXX due date. So i was very surprised when i found out that XXXX card reported that missed XXXX 's payment because the payment was made on XX/XX/XXXX and not after XX/XX/XXXX which would actually make my payment late and being charged a late fee. after contacting XXXX card their response that i paid before XX/XX/XXXX so my payment was allocated as an additional XXXX payment instead of the XXXX payment in which was actually paid for. How can i make on time payments when i have to wait until after the due date for them to count as an payment for that month. I have continued to make my payments in this same manner and have not had problems with any other creditor including XXXX. so now XXXX cars say i was late 30-59 days for XXXX since i made my payment after XX/XX/XXXX. Looks like the rules on allocation change from day to day and month to month. After showing payment proof to credit reporting agencies no changes have been made and my credit score is still reflects a 60-70 point drop because of this very bad case of inaccurate reporting i this killed my chance of home ownership a year ago. today the interest rates continue to rise along with home values as well. this has been and is proven still to be a very costly action against me on the behalf of XXXX 's false reporting 0f a 30-59 day missed payment. If not for that would i have an perfect payment history. and i should still.if you research my credit report and their correspondence you can see the how they made changes to cover up their mistake

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 2024-01-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing a complaint against Wells Fargo Bank. I am a small business owner with my bank account open since XXXX. Since the account 's inception the address we wrote on file had a XXXX mailbox and there were no issues, we were paperless. We had close to {$200000.00} in daily balance for a while until we decided to invest most of the funds last Fall, thereby leaving a small balance of {$5000.00} to {$10000.00} in recent months. 
In recent weeks the bank had asked us to change the mailing address to a physical address, and we simply forgot to do it. Last Friday, XX/XX/XXXX when I login I was welcome with a screen that said {$0.00} balance, I was surprised! we had funds that came from customers the beginning of the year. When I clicked on the account activity I saw a note that said " Account closed due to non physical address ''. I immediately called the bank, I was told on the phone that they could not do anything and that we would receive a certified check in two weeks!!!! That is ridiculous, we have payments coming out of the account this week and we and Wells Fargo has caused a burden and an inconvenience causing us damages in late fees and unnecessary stress, we could sue them. I asked to escalate the issue and ask for an overnight check. It is unacceptable that they take so long to mail us our money. We can not do anything until we receive our funds and we have to delay payments to other creditors which is unacceptable. I demand that Wells Fargo rectify this situation and overnight us a check for the balance on the account and add funds related to damages caused to our business. 

Ps. The bank had always registered my personal mailing address and used it several occasions to mail important documents. Arbitrary closing of our account is not a good practice. They lost us as clients ... I had updated the address on the 5th but I was told the bank could not re-open or reverse the closing of the account... I do not believe it

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 2023-12-19
Company: Experian Information Solutions Inc.
State: VA
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX 2023 try to make a purchase. my bank card was declined.there was {$4100.00} stolen out of my account. I call the bank that morning and spoke to a customer services XXXX was XXXX unauthorized charges mad in XXXX day. wells fargo refuse to return my money to my account. I have all the evidence in the world that someone got in my online banking account.the perpetrators changed my XXXX mail, my address my phone number. in my online account.they also put my debit card on their Iphone. which owned a iphon..here is my contact information please contact for more information. 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 2022-11-01
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Robinson & Hoover
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a car repossessed in 2017, willfully handed the keys over, and for 7 years never received a service or notification to appear in court to dispute the debt, and over 7 years later, my bank account was garnished and frozen. The original debt of around XXXX dollars has now became XXXX, and I was never notified. Whenever I called them to work a pay agreement, the representative for the company, Robinson HooveXXXX XXXX XXXX, refused to set up arrangements and harassed me about my workplace location, threatening to garnish my checks next, and threatened to go to my employer and talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: AFNI INC.
State: NV
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:
AFNI XX/XX/2020 {$2000.00} My credit repair company has disputed this account but this is not me nor my debt. My credit repair Company is the credit people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: LEXISNEXIS
State: GA
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:
RE : Warning to Remove Incorrect Items from my Credit Report Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.

I contacted the court, and their response is enclosed. 

It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. " According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix

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 2017-11-16
Company: Experian Information Solutions Inc.
State: MS
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 had all of my student loans consolidated in XX/XX/XXXX, but XXXX XXXX XXXX keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from 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 2023-12-19
Company: Experian Information Solutions 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:
A consumer may exercise the right to opt out at any time. I requested to opt out of the transaction history being reported to my consumer report. I requested in writing and via phone over XXXX ago. According to 15 USC 1681 602 states there is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality and a respect for the consumers right to privacy and according to the privacy act 1974 I have right to privacy and at this time my privacy is being violated.

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 2024-01-08
Company: WELLS FARGO & COMPANY
State: SC
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:
On XXXX XXXX Wells Fargo Home Mortgage sent a response back to Case Number XXXX. 

My complaints/issues are : Wrongful Loan Modification Wrongful Foreclosure Request For Restitution CFPB Settlement What I want to know is was I wrongfully denied or wrongfully removed from payment assistance on 5 occasions?, if so, on what dates were these 5 occasions, please specify with a dated copy of these letters.

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 2024-01-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
WELLS FARGO BANK , N.A . refused to acknowledge any of my requests for information. I also provided them with a negotiable instrument which they refused to return. I cancelled their security interest in my property prior to the XX/XX/2019 foreclosure. The did not respond to my requests for 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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 had all of my student loans consolidated in XX/XX/XXXX, but XXXX XXXX XXXX keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from 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 2018-11-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was a victim of identity theft and someone unknown to me opened this loan without my knowledge. As soon as I was aware I tried to reach out to them but they would hang up on me or refused to work with me. I then reached out to the credit bureaus and they instructed me to open up a police report to document the identity theft and to submit in writing to the credit bureaus so they could conduct an investigation. I've now disputed this fraudulent account 3 times and Experian is the only one who will still not remove the fraudulent account. Experian has all my documents which are a FTC report AND a police report and they still will not remove the account, it's really hurting my score and I'd like to get a house really soon, please help me. ( I can provide the police report and ftc if needed, but Experian has all these documents already )

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 2020-02-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I was notified on XX/XX/XXXX of 2020 from Experian that a creditor by the name of " XXXX XXXX '' had been verified as inaccurate after investigating and would be deleted off of my credit file. However I have recently logged in on XX/XX/XXXX of 2020 after my new Experian credit report was released and I am still seeing this creditor on my credit file which means Experian has not kept their word and again are not handling their business properly under the FCRA. Experian has already done their investigation and now I'm still being hindered and punished by Experian and their bad business practices. Under the FCRA law anything unverifiable or inaccurate must be removed within 30 days of the dispute by consumer. It has now almost been a month since I've been notified that XXXX XXXX was being deleted off my credit file and nothing has been done. I hereby make Experian aware that by FCRA law they now have 15 days from the date of this letter to uphold the statement and promise they made to remove " XXXX XXXX '' from my credit file! This is unacceptable and again against FCRA rules and regulations. I expect the removal of this creditor within 15 days. I have also attached the notification from the Experian website in regards to the removal. 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 2024-01-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My car loan was paid in full - my auto insurance & XXXX insurance carriers paid MORE than the full balance of the loan. 

I'd previously filed a separate complaint against Wells Fargo Dealer Services in XXXX because they were reporting my loan as a charge off. They sent a response advising there was an issue with the payment from the XXXX insurance XXXX but they initiated another claim to get the outstanding amount & would correct my credit report once they received the payment. 

After a review of their financial records, in XX/XX/XXXX Wells Fargo Dealer Services sent a letter advising that they discovered my loan was actually overpaid & issued a refund check plus interest ( see attached ). For some XXXX forsaken reason, Wells Fargo began actively reporting the account as a charge off on my credit reports in XX/XX/XXXX & have been doing so for the last 6 months. Not only was the loan MORE than paid in full & not charged off, the loan is from XXXX & has not been active in years so there is no reason for them to be actively reporting it on my credit as a current charge off. 

This is the second time I've had to file a complaint against Wells Fargo for adding wrong/disparaging information on my credit report. Obviously, this new issue with them has resulted in XXXX credit drop at their hands, They continue to cause me distress, both emotional & financial, with their inaccurate reporting. They've been fined for poor/predatory banking practices so many times that it's unbelieveable they are still allowed to do business. When are you all going to actually protect consumers & shut them down?

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 2024-01-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
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:
I received a letter with my home address included stating a reason why a leasing application was refused from the Credit Company. Someone is using my home address for credit apply. I checked the company soliciting the credit request that was denied and was created last year which I have lived since the previous before that. I believe its a company engaging in Loan Bank Fraud.

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 2022-11-13
Company: EQUIFAX, INC.
State: AL
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 have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account on XX/XX/XXXX with a {$300.00} sign up bonus. Met the terms of the bonus and never received the {$300.00}. I've called US Bank 16 times over the last 3 months and spoken to 7 managers. They ALL agreed that I met the requirements of the sign up bonus but said there was nothing they could do to help and no further way to escalate the issue. 
I've recorded most of the phone calls including the one where I opened the account with a US Bank representative over the phone.

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