BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: WAKEFIELD & ASSOCIATES, 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: Account information incorrect

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my efforts in sending multiple letters, the reporting companies have all refused to remove the unauthorized inquiries that were reported on your credit.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-12-22
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment was due right after a federal holiday. The bank immediately charged me a {$41.00} late fee on the same day as the payment due date. The bank also has different policies with respect to payment cut off times. If you call to make a phone payment by phone or online it has to be received by XXXX for it to post the same day and if you pay in the store you have until the store closes to make a payment for it to post the same day. The bank should have until XXXXXXXX XXXX  on the day of the payment due date to make a payment online or by phone and not early cut off time. I think that this is set at this time so that they can receive the money the very next day from the customer 's bank. The bank did not even notify me by e-mail that the payment had not been received until XX/XX/XXXX because of the holiday even though the bank uses automated systems including automatically assessing late fees on the same day as the payment due date. The bank should not be immediately ( as soon as the same day ) assessing late fees on a customer 's account. As the CFPB points out and concluded in a report from XXXX of XXXX " that the credit card market continues to rely on late fees that negatively affect missions of consumers. For some households, late fees are a costly mistake for payments that may only be a day or two late ; for others, they are significant added hardship during a time of financial precarity. For credit card companies, especially private label and subprime specialist issuers, late fee continues to bolster their bottom line. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had been calling Citicard for over a month before Covid19 because their site for business cards was not working, and I was unable to access my account. Everytime I called, they told me that they were working on the problem but could not tell me when I could get on line. I needed documents for a court case, and finally insisted that they mail me the copies overnight. They sent the copies after the date I needed them.

I sent automatic payments every week but did not know the status of my account and received nothing in the mail.

I started another round of calls as Covid19 hit XXXX XXXX XXXX, where I live. I had to shut own my business and wanted to get a forbearance and at least a temporary interest rate reduction. I called repeatedly and was told that there was not yet any policy in place. At this time the post office stopped delivering mail because of the crisis ' impact on their staff. 

I opened my mail today, XX/XX/XXXX, and discovered that not only had the card allowed overcharges and charged me a fee for that, but they increased my interest rate by more than double because of the overcharge and late payment!!!!! 

They sent a bill with these massive new add-ons and demanded that I pay double my usual monthly payment. 

I have spent hours on the phone with them only to discover that they not only did not help me, the consumer, despite the recent bill passed by Congress, but they charged me double and increased my interest rate. I assume they have also made a report to the credit bureau despite the government 's admonition.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-07-10
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'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 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 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 2023-07-10
Company: Experian Information Solutions Inc.
State: TN
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-06
Company: Debt Recovery Solutions, LLC
State: VA
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, I was never contacted to dispute the possible fraud account and they put it on my credit report without sending me information to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1. Amount of debt reported as owed is unverified 2. Inaccurate unverified and missing payment dates reported 3. Inaccurate unverified and missing payment amounts reported 4. Unverified reporting of address associated with the account 5. Request for documentation of a original consumer contract being signed agreeing to the debt have gone unverified. 
6. On XX/XX/22 The credit bureau was supplied A police report and identify theft were supplied verifying l did not authorize this account and it was acquired without my knowledge or concerns. 
7. Each requests for valuation of the debt have gone unverified.

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 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX my car loan from Capital One was paid off but yet they continue to try to collect on a paid account which also closed. The account was originally opened in XXXX. The account was settled in XXXX. My credit report was updated then around 3 years ago it was reported. The vehicle was paid off, the vehicle was been sold and leased to someone else. The vehicle or any debt related to it is not responsibility. They are reporting on my credit as if my payments are late each month as of XXXX. Capital one has been maliciously doing this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2023-01-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a {$10000.00} check to a friend from my Wells Fargo checking account and sent it in the mail. Someone other than my friend got hold of the check and deposited it into their account. Neither my friend ( the intended recipient ) nor I knew this other person. 

About a month after I sent the check, my friend called me to ask if I had ever sent it. I saw that the check had been cashed the day after I wrote it. I couldn't see the back of the check on line, so I had to request it from Wells Fargo. It took several days for them to send me a copy of the signature on the back of the check. 

After both my friend and I realized that some stranger had cashed the check, I set up a claim with the fraud department at Wells Fargo. The Wells Fargo claim number is XXXX. This was on XX/XX/XXXX. 

Since then, I have spoken to several different people at Well Fargo, never the same person, each call taking over 5 minutes to verify me, and I have been given the run around every time I called. Finally, yesterday I got a message and today, XXXX XXXX XXXX  Wells Fargo told us the the claim was escalated to the " exception payment department '' with a phone number how to reach them. So far, two separate calls, both on hold for 60 minutes and 30 minutes respectively, with no one answering the call. 


I am attaching the front and back of the check to you to see that the payee and the signature are not alike. I was told that the check was deposited in a XXXX account. 

We are trying to to get the {$10000.00} put back in our account. Will someone please contact me an try to help me reclaim my money. 

My phone number is XXXX email - 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 2020-02-19
Company: EQUIFAX, INC.
State: MD
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 checked my credit report, and it says I opened a credit card in XX/XX/2019 which I did not do. My credit score wasnt even strong enough to be approved for any type of credit, and the account is already in collections not even one year after it says it was open. I did not apply for this card, and I do not understand why its on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor 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 2020-04-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
484. Completed prompts in automated system to speak to service agent. System stated that Citi is experiencing a high call volume and I would have to call back later. The system then hung up on me. I attempted to call 3 or 4 times with the same experience. I then called Citi application/sales number XXXX. I was connected to a sales agent with ZERO delay. I asked the sales agent to be transferred to customer service because the automated system was BLOCKING callers from reaching the company. The sales agent was able to connect me to a service agent within 60 seconds. Unfortunately, that call was dropped after a min or two. I called the sales number back again to reach service. Again, no delay getting a sales agent. Asked to speak to service, this time, zero delay getting a service agent on the phone. My phone call concern appeared to be resolved. I am reporting this incident because it appear CITI is INTENTIONALLY making it difficult to call their service line during a time of crisis. This company is INTENTIONALLY making it difficult for customers to make receive any customer support and will likely result in many many less persistent customers getting additional fees that will directly benefit Citi as a result of Citi pretending to be unable to answer any customer service calls.

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 2018-04-10
Company: PNC Bank N.A.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I took out a loan for a vehicle in XX/XX/XXXX, never missing a payment. PNC has strange rules about online account access, requiring a fee based checking account - so i set up automatic payments. InXX/XX/XXXX i received a 'final statement ' and was told i would have one more payment and would be done. That final payment was not for the notified amount. Instead they took less, and immediately sent me a late notice and began calling me 3x per day. Then collection calls started. To end this, i paid the remaining amount. A few weeks later, i received a check, and was told i had overpaid. Then i received a closed account letter and my title. OnXX/XX/XXXX,  PNC took yet another payment. I have been unable to find a human to help me. my case was 'elevated ' to 'executive level ' but the person i'm to call is never at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I still have not received the correct respond yet. I have asked numerous times for your company to send verifiable proof which is an ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT!! I feel like I am being taken advantage of and being ignored of my disputes. Section 611  ( a ) it is stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigations due to the stress you have cause 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