BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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

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 2022-11-04
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Account ending in XXXX was opened by Wells Fargo reps, closed out with an overdrawn balance in amount of {$190.00}. Balance includes two external funds transfers into account in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}, bringing the overdrawn balance to $ XXXX. As stated before, the account was opened by Wells Fargo reps, presumably to used for bill pay. When this account was reported to Wells Fargo as fraudulent, two mediation request forms were sent to me, both filled out, given a tracking number of XXXX Most recently, I've been calling Wells Fargo Mediation at XXXX attempting to speak with someone regarding case, was initially told someone would reach out by calling me, no call received.. Additional calls were made, subsequent reps advised they are to hang up call ... Needless to say, this is yet another one of Wells Fargo many runarounds, more of which I will detail herein... With regard to account opened as far back as XXXX, I was offered a settlement amount of {$3700.00} plus IRS taxes totaling XXXX Wells Fargo sent payment in error to my old address after I moved, address never verified, which they refuse to admit to.. Additionally, the amount was reported to IRS for tax year XXXX, in which case, Wells Fargo rep referred matter to a tax professional whom in trun advised 1099 form needs to be corrected to show no such amount received or payment reissued... This is around by Wells Fargo, as CFPB can see... When I brought this information from tax professional to Wells Fargo, their rep, XXXX, chose to refer to prior CFPB replies which does not address issue...

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 2019-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off on the XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/XXXX. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score.  These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion is reporting accounts that are a result of identity theft and without written consent from me which would have saved me from experiencing damage done to my household due to the identity theft.

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 2023-07-08
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
During or prior to me being called for XXXX XXXX service, I purchased a vehicle, financed by GM Financial. I, at the very least, made one installment payment before I was called on XXXX XXXX. During or while our I was serving on XXXX XXXX, GM Financial unlawfully repossessed my vehicle without a court order. Accordingly, GM Financial is subject to civil and or criminal penalties arising from a violation of the SCRA. 

On XX/XX/, I sent a letter to GM Financial ( through counsel ) explaining my position and demanding a resolution including a plateau of military orders as supporting documentation. 

On XX/XX/, GM Financial sent me a letter ( through counsel ) stating that they relied on the XXXX database verify XXXX XXXX time ; however the XXXX does not cover periods of XXXX XXXX time performed by reserve servicemembers. Therefore, upon request, I provided GM Financial additional copies of military orders on or around the date of repossession and for one year prior as they indicated they would reevaluate their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-04-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
CFPB I 'M GOING TO NEED YOU TO STEP UP ON YOUR GAME AND INFORCE THIS MATTER.DO NOT DUPLICATE THIS DISPUTE NEW DISPUTE Good Morning Experian I would Like to take the time to Thank you for your investigation That you completed for me Regarding XXXX But However I totally disagree with your finding you stated in your results summary That I supplied you with the wrong account Number how is that possible? when I sent you about 25 disputed in the past each time you stated that the information was Verified and reporting correctly. This goes to show that you DO NOT VERIFY ANYTHING. This is why I have been asking you to send me the a copy of ANY original documentation ( consumer contract with my signature on it ) with out this information YOU DO NOT HAVE THE RIGHT TO REPORT ANYTHING ABOUT A CONSUMER! FCRA 609 ( A ) ( 1 ) ( A ) AND 611 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT. Back to SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELTE ALL INFORMATION WHICH CAN NOT BE VERIFIED.. 
RIGHT NOW YOU ARE IN FULL VIOLATION OF 616 & 617 BECAUSE YOU HAVE FAILED TO COMPLY! 
I also contacted XXXX On Saturday the account that you are reporting has no ties to my name. How did you verify it is my questions. Once again Experian I asked you to Please deleted the following accounts below.. 
XXXX card XXXX XXXX XXXX XXXX - Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account XXXX THANK YOU SO KINDLY 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 2023-07-08
Company: EQUIFAX, INC.
State: KS
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 requested multiple times for the Method of Validation as to who is reporting this, as there is a bankruptcy that has popped up on my credit report. As it is verified by the US Bankruptcy Court Of Kansas. I in fact have attached proof from the US Bankruptcy Court Of Kansas, stating that they do not report to any of the credit bureaus. So I am filing a complaint on behalf of myself, as they either have sent me a stall letter or have said it has been validated with the US Bankruptcy Courts Of Kansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington continues consistently make Fraudulent Activities on this loan. They had someone put a letter in our mailbox after XXXX pm last night. It was dated XX/XX/XXXX. I got the mail at XXXX o'clock that evening and that wasn't there. My husband check the box after work which was XXXX last night and it was there. It was dated XX/XX/XXXX. The letter had new payment due dates. It is NOW XX/XX/XXXX thru XX/XX/XXXX with a total now of {$15000.00}. The payment went sent on XX/XX/XXXX, they took {$140.00} out for the Property Inspection. So it was not enough for the payment. It was put in unapplied funds. The new letter now shows the property inspection fee as {$20.00}. The unapplied fund amt stayed the same. We tried to make XXXX and XXXX payments. The Account was LOCKED It would not allow us to make those months ' payments. 
On XX/XX/XXXX they said we were PAST DUE for XX/XX/XXXX thru XX/XX/XXXX We sent copies of the CHECKS to show the payments were made. At that time the amount was {$14000.00}. I ask CFPB to have Bank XXXX XXXX send our PAYMENT HISTORY from Years XXXX through XXXX. They sent XXXX through XXXX. XXXX  XXXX XXXX had this loan from XXXX through XXXX. There needs to be a FORENSIC AUDIT on this LOAN. We did not miss a payment. We are been harassed and we FEAR FOR OUR LIVES. This Is called BANK FRAUD. Help us SAVE OUR HOME. XXXX  XXXX XXXX and Carrington SHARE RESPONSIBILITY!! XXXX  XXXX XXXX Transferred the Loan To Carrington. Will Someone, Please put A STOP TO THIS HARASSMENT DO A FORENSIC AUDIT TO THE LOAN!! THIS IS DANGEROUS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX is threatening me to file a lawsuit to collect a debt that was not mine and has been taken off of my credit report. The only Fifth Third Bank account I had was one that shows up on my credit report as closed and paid off and this other debt was after I closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX 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 2017-04-11
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a wage garnishment from pressler and pressler. Never received a summons or any paperwork prior to this wage garnishment. Also the amount owed is in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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 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 filing a legal complaint a gainst you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been paying well over the minimum balance for a long time. I have XXXX additional categories in addition to purchases, which are the lowest interest rate. I had Bank Cash Advances and another category broken out as Direct Deposit and Check Cash Advances. The latter have the same interest rate. However, the balance bearing on the interest rate is substantially higher for Direct Deposit and Check Cash Advances than for Cash Advances. The law states that amounts above the minimum should be allocated based on the BALANCE BEARING THE NEXT HIGHEST RATE OF INTEREST. Bank of America should have allocated the payment over the minimum balance to the Direct Deposit and Check Cash Advances balance which had a balance over {$12000.00} more than the Cash Advances. As a result, the Direct Deposit and Check Cash Advances balance continued to increase by several thousand dollars. The Cash Adnance balance was less than {$3000.00}. Based on the intent of the law, the balance that would have the greatest bearing on the interest rate accrual should have been paid first.

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 2017-04-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I DISPUTED A COLLECTION ACCOUNT FROM TBF FINANCIAL IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EXPERIAN MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EXPERIAN IN 2 DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EXPERIAN TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED. I CALLED ON XX/XX/XXXX TO FOLLOW UP ON THE RE-INVESTIGATION AND THE REP TOLD ME THAT THE COLLECTION ACCOUNT WILL REMAIN. I ASKED THE REP WHAT METHODS THEY USED TO VERIFY THE COLLECTION ACCOUNT IS ACCURATE. HE RESPONDED BY TELLING ME THAT IT 'S NOT EXPERIAN 'S RESPONSIBILITY TO VERIFY THAT THE ACCOUNT IS VALID, IT 'S UP TO THE CREDITOR TO DO THAT. I AM REQUESTING YOUR HELP TO HAVE EXPERIAN DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 asked the credit bureaus to do verification in everything in my credit report and they did, stating that everything was accurate. 

I did a research myself and found improper inaccuracies on my credit report even after they did a careful research.

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 2023-03-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid 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:
I engaged with XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) in of XXXX  to perform marketing for my company XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX agreed to send emails on our behalf to all of their clients who went in for XXXX certification. In late XXXX we learned that the service that XXXX XXXX XXXX was providing was not generating any responses at all, which made us suspicious that anything was actually taking place and if the emails we had paid for were actually being sent out. XXXX XXXX XXXX would not share who the emails were sent out to despite charging us thousands of dollars for the service, and just sent a screenshot that said " Emails sent ''. We complained to our bank CHASE and they stated that since the contract we signed said " No Refunds given '' that we had no recourse. I feel that this is fraud because XXXX XXXX XXXX did not provide the service we paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.

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 2017-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called Experian this evening @ around XXXX and spoke with a gentleman XXXX, he would not give me his last name or his ID information. I called with reference to a couple credit items listed on my report 1. ) XXXX - Acct # XXXX, 2. ) XXXX- Acct # XXXX as well as 3. ) XXXX XXXX XXXX Acct # XXXX, I advised XXXX that I would like to dispute these items and he said he would NOT because they have been previously disputed. I then asked XXXX, I thought it was my right and he said they reporting company has verified these several times and they will NOT be deleted nor will he open a new investigation. I thought it was my right under the FCRA ( Fair Credit Reporting Act ) to challenge items listed if they were not mine. I then proceeded to ask him they I wanted him ( Experian ) to VALIDATE these items and he said Experian does not provide VALIDATION they only report what the Creditor ask them to report. So, then I ask about SEVERAL Inquiries listed on, my report that are not mine and he again told me INQUIRIES CAN NOT be removed nor can tey be disputed. So, it is my understating from XXXX that Experian will NOT investigate items on my report nor will they investigate inquiries that are not mine. I need some assistance with this as this is not what is outline by the FCRA as I read it. If this is indeed the case please send me where in the FCRA stated that a credit reporting agency does not have to dispute or validate info that the consumer feels is incorrect. 

With all due respect, please advise as your earliest convenience.

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