BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a dispute to XXXX and Transunion about some sketchy accounts on my credit report. To this date I have not received any updates. I'm just trying to get this resolved so I can move forward with my life. This is adding more pressure to my life because I can not use my credit for anything and these accounts aren't even suppose to be on 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a loan through Wells Fargo starting back in 2005 for a vehicle. I'm just making sure I file the paperwork.

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 2023-06-13
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Experian and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Monterey Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We are XXXX & XXXX XXXX and we are filing a complaint against Monterey Collections. We have tried to cooperate with this company so we can get our credit in good standing and bring our association with Monterey to an end. We have not gotten a straight answer from the agency, and have hardly received any notifications from them. Our account was sent to them when our timeshare membership with XXXX XXXX was still opened. We have been notified by XXXX XXXX that our account has now been terminated. When we called Monterey they refused to speak to us about the situation, claiming we can not be helped until our balance is paid. Monterey told us we owe {$1900.00} in maintenance fees and {$1600.00} for the contract. This is a contradiction to what the resort has told us. We are no longer timeshare owners so we need this balance removed from our credit report. Monterey is still demanding the money from us and has stated that even if we pay them they can not confirm that our account will be canceled. We feel Monterey is trying to get paid under false pretenses. They are paying pennies for this debt, why are they insisting on holding onto it? They want to take our funds without canceling our account. They have ruined our credit and have set us back from moving forward in our lives. We can not buy a house or refinance. This situation has caused us a great deal of stress, and we feel it is unnecessary. Monterey has revealed to us that they are greedy and have little to no understanding of fair business ethics. We ask that you please help us solve this matter so we can return for the sense of normalcy that we are desperately longing for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: AZ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.

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 2021-09-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I applied and was approved for a new Chase Sapphire Visa Card. Due to the problems with the US Postal Service, I had to re-order a new card, delaying its arrival and activation by 20 days. Once I activated the card I called my bank/card company Chase, in XX/XX/XXXX, to change the due date to a mid-month payment instead of a first of the month payment. They said that they would change my due-date but never did. 

I called again last month in XX/XX/XXXX to change the due date- and for about 2 weeks when I would check the account it appeared as if it had been changed to due on the XXXX of each month. However, when I checked my bank account today, the XXXX of XXXX, the due-date for payment has somehow reverted back to the XXXX of the month. 

I have sent a message to Chase and I am wary that they will do the right thing by me, as I have had to have a conversation with them every month since I have activated this credit card. 

When I spoke to to the representative they alleged that they would send me a letter through the chase app/online banking portal this is the message that they sent me. That being said, when I open the documents center NO SUCH LETTER is available. 

We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. 

Here 's what it's about We changed your payment due date. 
We encourage you to read the entire letter, because it contains specific information about your account. 

View your letter in two ways From Chase Mobile, go to your profile and choose " Statements and documents. '' At chase.com/statements, just sign in to your account. 
Youll see your letter under Notices and letters. 

To view or change your delivery settings, please sign in to Chase Mobile or chase.com.

Letters and notices sent may be from subsidiaries and/or affiliates of JPMorgan Chase Bank , N.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX closed my secured credit card without my permission. They then took my secured downpayment to that card and inserted that to my last payment. They also put late payments on my credit reports that were not late. I called them and told them there were fraudulent activities on this card and gave them the items that they needed to remove and update they did take some off but left a whole bunch that could of covered what I owed and my card would of still been open. I called them in XX/XX/2023 to tell them about these fraudulent transactions then I just had to call them again in XXXX XXXX to tell them that they forgot items that I listed that needed to be removed. I want my deposit back that they took from me I want my card turned back on and also I want them late payments removed. They violated 15 USC 1681 s-2 and when I told they said they was going to fix this problem and will take weeks to happen. While all of this is happening o cant go get me a new car because of these late payments on my credit report that is hindering my credit score and credit worthiness to other companies.

Company response to consumer: In progress
Consumer complaint received 2022-11-22
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-09-16
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: Their investigation did not fix an error on your report

Complaint:
I have gone back and forth with Experian numerous times concerning an inaccurate account which has lead to me losing money and being denied a mortgage loan in the final hour. Due to Experian 's lack of accurately investigating an account XXXX and updating it correctly or deleting the inaccurate information, I have run into hardships and headaches. I have provided Experian notices from XXXX XXXX. I have also provided the notices from XXXX and XXXX where these two agencies XXXX and XXXX have the correct information, such as XXXX balance, and reported as such so Im baffled as to why Experian is not reporting the accurate information or why they did not follow suit. Experian claims I am a third party every time I send a complaint ; however, I am sick and tired of the frivolous tactics Experian know I am who I say I am as well. Due to actual damages caused, I am forced to pursue legal action against Experian in federal court. I will sue for all actual damages incurred and all attorney fees and costs due to Experian FCRA violations. Experian has violated my rights and caused major actual damages from your false and inaccurate credit report from Experian.

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 2021-09-16
Company: College Ave Student Loan Servicing, LLC
State: IL
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 a loan inquiry for a college loan I didnt authorize so I called the loan Institute and got no where Im XXXX and I didnt apply for a loan to go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my monthly online payment on XX/XX/22 for {$370.00} and they reversed the charge stating the bank information was incorrect. A week later I received an email that my account was overdue. I called on XX/XX/22 and they manually ran the bank information XXXX in XXXX different systems and ended up charging my bank account XXXX ( {$370.00} each ) which was deducted on XX/XX/22. They are refusing to reverse the charge and said they can only send me a check which will take XXXX weeks to receive in the mail. This will cause overdraft fees for insufficient funds due to their negligence in charging me XXXX versus XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: SC
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:
As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of EdXXXX XXXX loans XXXX, for XXXX and XXXX, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of Ed/XXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not XXXX ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of ed/XXXX won't remove these from my 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 explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the Bankruptcy information on my credit report. They are unable to verify it as when I reached out to the XXXX XXXX XXXX, they did verify that they do not report to the credit bureaus nor verify information. 
I am asking very graciously that this be removed from 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2023-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX, {$400.00} was transferred from my personal checking to my business checking and then {$1800.00} was transferred out of my business account and into a XXXX account completely unrelated to me and my accounts. None of these actions were performed or approved by myself. Wells Fargo called, and I did not answer. I called Wells Fargo myself to ensure safety. The person I reached was informative enough, they actually informed me that somebody accessed my online account, and that the person who accessed my account was able to disable my text notifications that would normally notify me of account changes and transactions ; this action allowed the unauthorized user to add themselves as a recipient of wire transactions. From there, they were able to transfer money electronically to their XXXX account without my knowledge. I only found out about the balance change in my account after this informative conversation with Wells Fargo. The only immediate action that was taken by Wells Fargo on XX/XX/XXXX was the change to my username, password, and they also closed my compromised accounts and reversed the {$400.00} transfer. The {$400.00} reversal did not help my situation but at least this did show that Wells Fargo agreed with me that the action was fraudulent. 


From the moment I learned about the transfers, I have emphasized that the person in Ohio ( as I was told ) and the transaction ( from my Wells Fargo to the scammers XXXX account ) are FRAUDULENT and UNAUTHORIZED. This statement was repeated by me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, it seems like fraud cases are worked by 3rd party company that have the best interest of Wells Fargos in mind while it was Wells Fargos system that failed to prevent unauthorized access to my online banking in the first place. Instead I was told that I was they called XXXX and XXXX said the money is gone so there is nothing Wells Fargo could or would do. To sum things up, Wells Fargo said 3 things : 1 ) That the XXXX account the funds were transferred to was empty so they couldnt return me my money ( it took them a couple of days to even try to get the money back ). 2 ) that it was my fault and that I must have authorized the transaction even though I never approved any transaction 3 ) that they were closing the case without a refund and there is nothing more they could do.

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 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit report shows a Capitol One credit card with me as an authorized user. At not point did I open, or add myself to this credit account. The balance is {$8800.00}, with a credit limit of {$15000.00}. The card was opened XX/XX/XXXX. The last payment was made in XX/XX/XXXX. The next payment is {$120.00}. The first 6 numbers of the card are, XXXX. I need to be removed from this card as an authorized user, as it is not a true reflection of my debt, and is negatively effecting my credit availability.

Company response to consumer: Closed with non-monetary relief