BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Due to these violations I have a right to sue per violation.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2023-02-07
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo consistently over charged me throughout the auto loan agreement. I requested a payment extension and it was confirmed by a representative. Almost a year later, I discovered it was not on my account. As a result they ended up repossessing my vehicle. I paid to get it back. They never apologized or addressed it.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a inquire from XXXX XXXX XXXX on XX/XX/2022 I did not authorize. 
I have contacted TransUnion on multiple occasion to remove this XXXX XXXX  XXXX COLLECTION ACCOUNT because it is fraud I have contacted TransUnion many times to remove this XXXX COLLECTION ACCOUNT because it is fraud. 
I open a fraud report that is attached to this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: AL
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 reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Both of these accounts have the same account number, and are reporting twice. Surprise billing act has also been violated.

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 2020-01-28
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Wednesday XX/XX/XXXX I  received a notice from my XXXX XXXX account of a negative account from IC System inc. added. My credit reports and scores took a big impact from this account. I called IC System the next day and gave them my current address as I was asked for it to show proof of who I was. I was then notified the account was from XXXX. I contacted XXXX and was notified the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX due to lack of payment. The address this account was attached to was an address I did not live at during the accounts life, I did live their prior but not during the account being open. I submitted paperwork and a police report to XXXX and was contacted by XXXX to complete a stolen identity packet. Today XX/XX/XXXX I received a collection notice from IC System inc. that was dated for XX/XX/XXXX, two days after I made contact with THEM. The notice said I have 30 days to file a dispute with them, only issue is, they already hit my account with this fraudulent account and are just now telling me I have the option to dispute the account. They are affecting my financial future and asking questions later. As far as I know, I am supposed to be given 90-180 days of my first notice before they attach this to my credit report. Why did it take them 13 months after the fraudulent account closed to make contact with me? I feel as though this company is responsible for this scam. I never received contact from them until I gave them my current address and this account didnt hit my report until 13 months after the account was closed. 90-180 days is 3-6 months, not 13 months. Something doesnt add up and IC System inc. is no help. I am not the only one who has had these issues with this company. They should be closed due to scamming many others.

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 2023-08-16
Company: Experian Information Solutions 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2023-01-13
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Tower Loan of XXXX Missouri is repeatedly calling my husband, my friends, my past employer as well as coming to my home after I have repeatedly told them to stop. I lost my job & have not been able to make my payments therefore I am going to be filing bankruptcy to help clean out some debt. They have repeatedly told me over the phone that they are going to threaten legal action & garnish my husbands paycheck for XXXX XXXX if I dont make payments. The loan isnt in my husbands name. It is in my name. They are using threats & intimidation to get me to pay money that I absolutely do not have to give. There is no extra income coming into the household that would allow me to pay those payments. I am not going to leave off rent & utilities & groceries just to pay a loan company. When I applied & was approved for the loan, I was making more than enough money to pay the loan. I was paying all payments on time & they were not late until I lost my job. They have been harassing me for several months after I have reached out to the company & made complaints. I want this harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is showing late payments on XXXX XXXX XXXX XXXXXXXX. 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights. 

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 Has violated my rights. 

FCRA S 605B ( 15 U.S.C S 1681 c-2 ) Identity Theft Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt.

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 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Summary : BoA advertised {$100.00} checking opening bonus offer but won't pay it. 

In XX/XX/XXXX I opened an account using a promotion advertised by Bank of America. The promotion page has been removed from their webpage but a similar deal is typical and ongoing and is easily found online via promo code XXXXXXXX XXXX XXXX XXXX  I'm not sure if this is exactly the code I used but it was similar. 

I applied via the promotion page and entered the promo code on my account. Then I followed all the terms and conditions including a {$2000.00} direct deposit from my employer on XX/XX/XXXX. 

The offer terms say the {$100.00} bonus will be deposited within 60 days. On XX/XX/XXXX I called to see why the {$100.00} had not been paid. The rep located the offer and confirmed that I had met the all requirements except one to " enroll my account in the offer ''. They said I would've needed to call BoA after applying and ask them to add the offer to my account. I asked BoA to honor the terms of the offer because I entered the promo code with my application and met all the terms on my end. BoA said they would not pay the offer.

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 monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
This is my several 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 items 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 XXXX, CA XXXX XX/XX/2021 XXXX **** Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$8700.00}

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 explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2023, I booked a hotel in XXXX using the Luxury Hotel and Resort Collection ( LHRC ) feature on the Chase.XXXX  website. I used a Chase Sapphire Reserve XXXX card. Chase promises on its website that one of the benefits of that card is to reward extra XXXX points for each dollar spent on booking and paying for a hotel when it's done on ChaseXXXXUpon finishing the booking process, the system displayed the message that the card would be charged at the hotel upon check-in. There's NO option to pay for the reservation on the ChaseXXXX site. Moreover, one can't pay on ChaseXXXX for any of the hotels listed in the XXXX. Hence, I paid for the hotel on checkout using the same card I used to make the reservation. 
To date, I haven't received the promised reward of XXXX points. During my conversations with Chase representatives, I heard that the problem might be that I paid for the stay at the hotel, not on ChaseXXXX My explanations that Chase made it impossible to pay on ChaseXXXX  went nowhere. Chase didn't disclose that reservations made through XXXX wouldn't be awarded the promised reward. Intentionally or not, Chase withheld this critical information and misled me into believing I would receive the promised reward. I haven't, and I demand it now. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This new complaint has been filed as a follow-up to the previous Complaint # XXXX that was closed before we could complete our additional research and submit our findings. Wells Fargo previously stated in their XX/XX/XXXX response that no payments had been received on our account from XX/XX/XXXX through XX/XX/XXXX. We were in a Chapter XXXX bankruptcy from XX/XX/XXXX until all payments at 100 % had been completed and our file closed in XXXX. We have attached a document reflecting bankruptcy payments made to Wells Fargo for Mortgage arrears during this timeframe in the amount of {$15000.00}. Wells Fargo initially responded with a mortgage arrears amount of {$31000.00}, however, Wells Fargo petitioned the bankruptcy court to remove the mortgage from our bankruptcy case to proceed with foreclosure. Where were the total mortgage arrears payments of {$15000.00} paid through our bankruptcy case applied on our mortgage account? Additionally, we have attached a file ( saved on XX/XX/XXXX ) reflecting XXXX mortgage payments made in a Wells Fargo XXXX location at the mortgage amount prior to the loan modification being approved. Again, where were these mortgage payments applied on our Wells Fargo mortgage account? Please remember that we both ( XXXX and XXXX ) had checking and savings accounts with Well Fargo at the time of these payments.

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 2023-08-22
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have sent a stamped endorsement XX/XX/XXXX to Wells Fargo and they have not accepted as of yet. I have been sending them endorsements and they keep denying them since XX/XX/XXXX. I have asked them to transfer the positive value to the principal/trustee and have not done so. I am the agent for this principal and need my securities transferred.

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 2023-02-07
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car payment is {$490.00} see the attached revised contract. I will not make a car payment until your system has the correct information for my car loan. I have called XXXX XXXX to XXXX about this. I dropped an XXXX plan from the financing and the dealership sent a revised contract to your verification department several weeks ago. It is ridicoulous I have to continue to deal with this issue. What a horrible way to welcome a new consumer to the company. Everytime I call, I have to hold on the phone for over XXXX while someone calls the verification department to confirm what is per the new contract. 

Now the website shows the wrong car payment as well, next my credit report will show the wrong car payment. My next step is to take legal action against WestLake Financial if they do not fix this issue. See the revised contract emailed to Westlake Financial XXXX times and sent from the dealership over XXXX  month ago...

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: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-02-14
Company: Exeter Finance Corp.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During COVID-19 I was XXXX for couple of weeks. And my job shut down I'm a XXXX so every hotel 's and every restaurant was down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are inquiries from companies with whom I do not have open accounts with on XX/XX/2021. I have contacted these companies and Transunion to remove these items but items have not been removed per my original request.

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 2023-08-16
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXXXXXX 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 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 2023-02-07
Company: Aldous & Associates, PLLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are charging for having a gym membership when I had stop paying for it since I got a new card and they still have the audacity to keep charging me and now I dont even have money and they want me to pay something I never told them to do and I called them saying Im not funna pay and they just hanged up on me its been like half a year since I had stop going to the gym whole time I been getting charge smh

Company response to consumer: Closed with explanation