BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Mail fraud I am using this to report on-going chain mail fraud and harassment mailing ( see attachments XXXX ) all Wells Fargo correspondence is sent via electronic means. I dont receive or have approved any mailings. See below. Attached are photos of the envelopes and mailings. Just some, I threw most of them out. Please investigate, I have lost {$200.00} because of this. Thanks. Under zero circumstances any correspondence is to be shared with XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX or any other attorney 's of XXXX, XXXX, XXXX. 


-Logos on the envelopes are ill placed and the lettering is not appropriately sized -They are using a Newspaper and advertisement black and white print logo, not the exact tone match. 
XXXXThe Watercolor logo is not embedded, but printed. 
-Addresses keep changing -Black and white not in color as per the general Wells Fargo mailing -Cheap paper -Double sided printing

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 2020-08-11
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:
I am upset to have learned that my credit and personal information has been used for fraud and activities I have absolutely no knowledge of and I would like this to be situated as soon as possible. I am unable to get a credit card because it appears that I have had one when I didn't. Please aid me in removing these false accounts from my credit history.

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 2022-12-20
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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 2022-12-19
Company: Bread Financial Holdings, Inc.
State: WA
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 made a purchase with a credit card they provided. The payment terms stated there would be no interest charges if the account was paid in full by XX/XX/22. When the time came to make the payment, their website was down with technical issues. I was unable to access my account to make the payment timely. I ended up resoting to making the payment via my bank 's bill-pay process but the payment was not received until after the due date. I believe the credit card issuer needs to accept at least some of the responsibility for the late payment due to the issues with their website and not charge the added interest charges as I made a good-faith effort to pay the account off on time. It should also be noted that, to this day, the online access to my account still does not work and I have not been able to access statements of my account for XXXX months. And they will not provide me with a statement in any other manner. Doesn't this violate banking regulations?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Reviewing my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to XXXX and TransUnion on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XXXX XXXX XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.

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 2023-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a fraudulent check for XXXX was deposited into my checking account. Subsequently, a withdrawal of around XXXX was made ( amount of the deposit they made available ). I do not know how either action took place. I just know that they were not made by me. When the check was returned " refer to maker '' the bank began the process of closing my account due to fraud. They would not allow me to access the money in my savings account or make my checking account whole. They also would not allow me to access the mobile ap. They sent all notifications of this event to the mobile ap however, so I was not aware that this happened until I went to make a withdrawal from my account on the XXXX. I just received the written information today that there is an investigation and the intent is to close my account and send my money via a cashier 's check. I am a XXXX XXXX  and have been working 2 jobs all summer to limit the amount that I need to work during the school year. I have a car payment, insurance payment and school rent payments to make and I can not do so because the bank has my money. I didn't do anything wrong and now I am being punished.

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 2022-04-01
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Name is XXXX XXXX XXXX, I am formally requesting that you validate all trade line notations you have submitted to the major credit reporting agencies ( XXXX, XXXX and XXXX ), based on the account information and any additional information of this account from the Department of XXXX XXXX 

HAVARD COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX {$560.00}. 
Due to possible inaccuracies in these CRA reports, I must demand a validation. I hereby lawfully request to be in formed through a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line.

Please note that by law you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

Current Address : XXXX XXXX XXXXXXXX XXXX TEXAS, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2020-08-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For over three years, Ive attempted to control my mortgage loan with Nationstar/ Mr. Cooper XXXX without any success. When working on receiving a modification, my attorney was placed on the loan as a point of contact. The attorney is no longer involved in anyway with my loan. 
Meanwhile, Im unable to retrieve pertinent information in order to monitor my loan, but continue receiving the following message from my lender. 
Important messages about your account are not getting delivered. Please update your mailing address and register for Paperless Delivery to ensure you receive all communications. 
The documents included demonstrate my attempts to have the attorneys name removed from my loan based on the advice/information provided by Nationstar/Mr. Cooper. I was advised to send a written request, which I did, only to then be informed that I, the loan holder, can not make the request, and only the attorney can do so. To complicate the matter, the attorney in question is being investigated by the Department of Justice and the XXXX XXXX Office of the District Attorney, therefore, making it inappropriate for me to have any contact with him due to his connection to my loan. When sharing this information with the lender, their comment continues to be, Theres nothing we can do. 

OTHER ATTORNEY REPRESENTATION If you have attorney representation for any other mortgage-related matters, we will send all correspondence to your attorney. To resume sending correspondence to you, we will need written verification you are no longer being represented by an attorney regarding your mortgage. 
You can send verification by fax to XXXX, or mail to : Mr. Cooper Attn : Customer Care XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TOP FLITE FINANCIAL INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX the lender order and appraisal on the home we were trying to purchase. The loan officer told us the incorrect appraisal amount shortly after the appraisal and never sent us a copy. They told us we would be closing on the house in XXXX. The processor then told us we would be closing soon and to obtain homeowner insurance so we did in XXXX. The processor did not keep in contact with the insurance company nor us which I have documented with them and have all of my emails. Almost caused me to be in nonpayment for a home I dont even own causing my rate to go up for my car insurance. Then told us we would be closing in XXXX. Now it is XX/XX/XXXX and the last contact I had with her she was asking me for my job verification which I've already provided several times and should have been conducted before they approved me and sent an appraiser. I'm more than upset and will be filing complaints any Avenue possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with XXXX, TransUnion, or XXXX even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XX/XX/XXXX, but my account balance on my credit reports show that they have not been updated since 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 2022-08-12
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I contacted Venmo customer support because I noticed XXXX transactions that I did not make on my account that totaled to {$440.00} cents. They canceled my debit card and are sending a new one but the dispute I filed to get my money back has now been denied. There reason is this ; you were still sending and receiving money during the time that this took place. Venmo has failed to do their job at protecting their customers and actually doing an investigation on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25
Company: Experian Information Solutions 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:
I have contacted each bureau by certified mail to have proof of verified debt. I ahve not received any response back verifying the debt belongs to me. Here are the items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( 5 accounts )

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. 

XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2020-08-11
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since XX/XX/2023 I have been receiving multiple harassing calls and when I answer no one is on the other line and the line disconnects. After calling back and speaking with several people to identify why I am receiving these calls I was informed of three different balances that I allegedly owe and to date, no one has identified what amount is the true balance. I was also told I would have to call back to identify where this balance has come from. I also have not received any written documentation regarding this matter and was told several notices were sent out to the incorrect address since XX/XX/2023. I also want to include that my credit has now been impacted with negative and derogatory comments, this is an unfair and deceptive business practice as I have held multiple accounts with Hyundai and have never had this 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instruction 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 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 reporting agency if the person knows or has reasonable causes 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