BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2021-07-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to address this twice with American Express through the chat feature but I got a bunch of messages about fees to try to get me to give up and when I persisted, I was automatically logged out, twice! I would never expect American Express to be this underhanded. The issue was that I was charged a late fee and interest on this card on XX/XX/XXXX and XX/XX/XXXX respectively when according to my emails, I had an autopay scheduled on XX/XX/XXXX which never occurred ( received XX/XX/XXXX ). The CSR lied and said there was no record of this ( or it's now automated as well ). I changed the bank for this autopay on XXXX but nowhere in the terms nor in my emails was I told the previously scheduled payment would be cancelled. It's too bad Amex wants to spend more money and time doing this the hard way and not even provide real customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2023-06-18
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/2022, I contacted the office to try and cancel the additional add-ons that were attached to my account with out my consent and was told it goes lon requirements and would be liable to for interest accrued if I cancel the additional add-ons products and my interest rate would be increased. I asked to speak with management the sale Rep disconnected my call. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NJ
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 sent letters on XX/XX/2021 to the 3 major credit bureaus about things that are completely wrong on my credit report and have not heard responses from either bureau. I want an investigation and the damaging items to be removed so I can move forward with trying to get a loan for a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. My name is XXXX XXXX and I have reviewed my credit report and found several errors which need to be rectified as soon as possible. 

Firstly, I would like to dispute the following bankruptcy cases as they do not belong to me : Bankruptcy XXXX XXXX-dismissed Case Number : XXXX Bankruptcy XXXX XXXXXXXXdismissed Case Number : XXXX I request you to remove these items from my credit file immediately as they are not mine. 

Secondly, I would like to dispute the following accounts as I can not recognize them : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please investigate these accounts and delete them from my credit report if they do not belong to me. 

Thirdly, I would like to dispute the following accounts as they have incorrect information : XXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXXXXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX This account has never been paid late. Please update this account and delete the inaccurate information immediately. 
Fourthly, I would like to dispute the following personal information as they are incorrect : Account Number : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX This is not my name. Please delete it from my report. 
I urge you to comply with the Fair Credit Reporting Act ( FCRA ) law, and investigate these items in a timely manner. Please inform me in writing of any corrections made to my credit report. 

Thank you for your assistance in this matter. 

Sincerely, 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 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$22000.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} XXXX 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 explanation
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a retired XXXX veteran who was XXXX in 2009 and had to file for bankruptcy protection against the ex-wife as a result. Bank of America is using bankruptcy information from 15 years ago against me and continues to deny me credit. It is my understanding that bankruptcy information can only be used to make credit decisions for seven years.

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 2023-06-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I no longer use this card but in XXXX they started charging {$67.00} a month for cash advance fees. They said {$170.00} was taken. Wells Fargo has made their system so that you can not view account data past 90 days now. They also tell me that they can not see specifics. I have paid well over {$170.00} in payments and have paid over my minimum payment. They have made this interest charge ( which they can not verify ) why {$67.00} is an appropriate interest charge monthly on {$170.00}. They keep telling me to try to talk to other departments to get more information. I feel this is unreasonable and that I am being made to accept charges that I cant vet on my own.

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 2021-06-17
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: Investigation took more than 30 days

Complaint:
XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXn XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX  Automotive XX/XX/XXXX TransUnion XXXX XXXX Bank  XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Home/Office Furnishings XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-06-18
Company: FISERV 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: Account information incorrect

Complaint:
Was denied the right to write a check at XXXX due to Telechex. While reviewing the information found they are claiming two checks have been returned but have not been but were paid by my check. As of Friday XX/XX/2023 XXXX thru Telechex tried to send a check again thru my bank with the same check number which had already been paid. But with different amount. As well as numerous of inquiries which are not mine please remove these

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 2018-12-08
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased home and was being financed by Flagstar bank Michigan based loan services which had history of mortgage and loan modification violations since XX/XX/2018 up to present. soon after I purchased the home the second borrower has lost job and we have to apply for loan modification. The bank received loan documents and promised to give us help based on our income. after review of the loan Flagstar bank denied our modification. The primary reason for assistance is loss of income and they refused to help us in the 1st loan modification request. we did not give up however, struggled to pay monthly payment of {$2300.00} until the month of XX/XX/2018. during our missed payment Flagstar loan officer called us to help us and directed us to reapply and submit loan application along with required documents again. we did. they deny again saying that loan is not matured to one year and again send us letter to reapply when the home is 12 month. we again agreed with the bank and applied for the third time. They denied again. During our default we also found that Flagstar bank added {$1300.00} to our loan balance which we never aware of at all for the last six months and raised the payment to {$2400.00} which we realized that a violation of mortgage rule and make it difficult for us and trying to foreclose the home on us. loan modification is aimed to help active home owners who can not able to make payment due circumstances such as job loss like we had. Flagstar however depicted us for several months by offering false hope, harassing us to apply for assistance and intentionally drags us to foreclosures.

They failed to help us and threatening us to foreclose the home with out offering us options to solve the defaults with payment arrangement, forbreances, or loan modification. secondly they added up money we have not know the reason and made us vulnerable for foreclosure.

I am writing to your office to investigate their violation specially violation of Dodd- frank wall street reform which is regulated by your office which is empowered by federal government. I also inform your that Flagstar bank does not made a fair decision and their judgment is unlawful, not substantial, not transparent, and doesn't not constitute federal mortgage rule and regulation practices. I declare this as act of discrimination and will continue to bring them to justice. Justice will prevail.

Thank you so much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: SN SERVICING CORPORATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This loan was a consolidation of XXXX, then it was a XXXX XXXX XX/XX/XXXX. Was only support to be one they given me both. They correct it, but not on paper.They loan when to XXXX XXXX ( XXXX ) Then they changed it to Mortgage line of credit. Then I filed for bankruptcy ( XXXX ). My husband passed away and I filed for XXXX  XXXX. Then it when to Sn servicing then it changed to a Mortgage. They foreclosure on the property they don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Westlake Services, LLC
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:
Adding late payments to my credit ... collections and charge-offs effecting 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 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted bank of america about fraudulent charges on my credit card on XX/XX/2023. I spoke to a representative and listed the charges I knew to be fraudluent. One was for one of the semi-legal weed shops another was nearly {$100.00} at target, and at a pharmacy I haven't used. The rep said I would have the money refunded while they investigated my claim. On XX/XX/2023 I got a message saying they were unable to approve my claim and were recharging my account for the amounts. Their messages say that they confirmed the charges with the merchants but provided no further details.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft. XXXX  XXXX is not my account. I have attached my documents below

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 2021-08-02
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I realized that someone had been sending themselves money out of 3 of my savings accounts by XXXX to XXXX XXXX. I have NO IDEA who this person is. I obtained email XXXX and phone # XXXX from online fraud department at Wells Fargo as being added to my online banking account WITHOUT my authorization & that is how they gained access to hack into my accounts and send themselves money. I DID NOT get an alert from Wells Fargo when someone added their phone #, and then they sent themselves {$15000.00} in the following transactions. 
XXXX - {$500.00} XXXX - {$500.00} XXXX - {$500.00} XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00}. I found these on XX/XX/XXXX and called Wells Fargo XXXXMMEDIATELY to report the fraud. The last one for {$2400.00} was still pending, and they said they could not cancel it! They closed my 3 savings accounts & created new ones, and the {$2400.00} was posted to the new account on XX/XX/XXXX! 
Wells Fargo has DENIED my claim because they said it came from a " local ip address '', which is what HACKERS DO!! They hack into someone's computer and commit 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 2023-06-18
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was overcharged a huge amount of money

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 2023-06-18
Company: Experian Information Solutions Inc.
State: KY
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:
Fraudulent activity. See attachments below!

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX, NJXXXX ; XXXX XXXX XXXX , NJXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX.

Company response to consumer: Closed with explanation