BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX XXXX we bought a new air conditioning unit. The company XXXX XXXX XXXX XXXXXXXX offered us a XXXX interest payment plan serviced by Wells Fargo. We had to pay the full amount by XXXX XXXX XXXX. 

We set up automatic payments of {$310.00} a month, knowing that we would have to send additional payments prior to the deadline. We never missed a payment. A few months before the deadline we made XXXX additional payments of {$1500.00} ( XX/XX/XXXX ), {$500.00} on XX/XX/XXXX and {$620.00} on XX/XX/XXXX. We also set up extra payments for XXXX and XXXX for {$310.00}. Just to be sure we were covered I sent an extra {$3.00} on XX/XX/XXXX. 

So imagine our surprise in XXXX of XXXX when we saw a charge for {$310.00} come through our bank app. I called and found out that Wells Fargo did not take the extra XXXX autopayments of {$310.00} because they said their system only accepts minimum payments so they did not process the XXXX extra auto payments. 

Because their system did not accept the payments, they were charging us {$3600.00} in back interest. 

I opened a complaint and they are agreeing to waive {$1700.00} if we pay {$1800.00} by XX/XX/XXXX. 

I consulted a lawyer who advised that I pay the balance because Wells Fargo is famous for messing up people 's credit. I have had an XXXX credit rating for several years. WE paid on-time the whole duration of our agreement and made a good faith effort to pay the balance. Wells Fargo 's website is very misleading.

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 2023-10-02
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Regarding Complaint # XXXX Company has failed to refund down payment XXXX {$2000.00} as stated and promised on XX/XX/2023 through the complaint request form on CFPB website.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I just received my credit report for XXXX and TransUnion, and they told me one of my XXXX XXXX loan accounts are not being reported by the bureaus.

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 2023-10-12
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The company had false advertisement to allure new customers to open a new account with them. They declined the {$400.00} open account bonus that I am entitled to get. Their offer terms on the website says " earn your {$400.00} business checking bonus by opening a new business checking account between XX/XX/XXXX and XX/XX/XXXX ''. I entered the promo code for this program and submitted my application online on XX/XX/XXXX at XXXX. - I had a screenshot when this was submitted and their system had incorrectly shown that I applied on XX/XX/XXXX - that's their IT problem. And before it expired they webpage took my promo code without a problem and it was showing that I would earn those {$400.00} by meeting the terms which I did. I had called the bankers a few times and they acknowledged that I applied on XX/XX/XXXX but it was then approved on XX/XX/XXXX giving them the reason to decline. I disagreed with that statement as the terms said " opening a new business checking account '' meaning to initiate the application. 

They also stated that I did not meat the " five qualifying transactions within 60 days of account opening '' where I did have five qualifying transactions. Their bankers however, did say that I met the qualifying transactions. 

All terms were met and it really shouldn't be this hard to get {$400.00} as initially promised. I really don't want to get to a route that I would need to go to a small claim court in order to get this {$400.00}. It is just not professional to allure new customers with bonuses that they won't 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 explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: UT
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-08-10
Company: FC HoldCo LLC
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:
FlagShip Account # XXXX Certified Mail Receipt To Flag Ship : XXXX XXXX XXXX XXXX XXXX XXXX As Defined XXXX The IRS Publication XXXX Even if FLAGSHIP CRD didnt receive a Form 1099-C, they must report canceled debt as gross income on their tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income. 

INCOME/TRANSACTIONS/EXPERIENCES DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a alleged " debt '' is inaccurate. The account is being furnished inaccurate and this is prohibited by federal law. 

15 U.S.C. 1681s-2 Says consumer reporting agency as a furnisher of information are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

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

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something. 

( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; I also mentioned above the Federal Definition of a Consumer Report '' and what it should not include. This inaccurate information is causing actual severe damage to my general reputation, my family, mode of living, and mental health. Also, as you can see in the exclusions, transactions and experiences are not reported on a consumer report, and this is another violation of my rights. 

Flagship Credit Acceptance LLC is hereby put on NOTICE that they are furnishing incorrect inaccurate information. 

The lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1. 

The above paragraph is taken directly from the IRS 2022 Publication XXXX. 

This account must be removed.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not provide the credit reporting agencies with written permission to report any of the attached accounts I am requesting them to be removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). My credit card information ( SSN, ID, etc ) was shared without my written or expressed consent. All of the companies and entites listed used and shared my credit card information to create unauthorized charges and to open fraudulent accounts.This is a violation of 15 U.S. Code 1681s-2.

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 2023-09-17
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 Us code 1681c-2 a 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 a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please delete these items IMMEDIATLY!

These account should not be furnished on my consumer report as they are VIOLATION! Under, 15 U.S code 1681-b Permissible purpose of a consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT!. As a consumer I am demanding deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
TransUnion- XX/XX/XXXX Several inquiries reported last year in 2021 that were not authorized, I submitted a letter in writing but was unable to get any resolution.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am the author of this complaint and I have attached my driver 's license, social security card, dispute letters and a copy of my ID theft report. 

I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted as a result of these errors. The CRAs and creditors did not conduct a reasonable investigation and has blantatly ignored my disputes. 

Please delete these accounts listed below along with the following reasons : 1. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices XXXX. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices XXXX. XXXX XXXX  XXXX ( XXXX : XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 5. XXXX - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 6. XXXX XXXX XXXXP ( Original Creditor : XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 7. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices

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 2023-01-26
Company: August Real Estate Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was never provided via mail or email options for my escrow increase. AT ALL. I want the option to pay the one-time lump sum. By them uploading the statement to my previous complaint with CFPB does not constitute them providing it to me. They claim on that statement there is a {$620.00} shortage to be collected over 12 months that would be about {$54.00} increase ... yet my mortgage increased over {$300.00}! Overnight with no letter no explanation as to where this money is going. I DEMAND an option to pay my one-time lump sum. My mortgage has increased over {$300.00} with NO NOTIFICATIONS or NOTICES. 

Secondly, again my additional payments are not being applied to my principal balance the DAY they are recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Working to resolve and pay my bill but going through financial hardships now and company will not assist me.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
These inquires were not authorized by me and need to be deleted. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023

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 2023-08-15
Company: EQUIFAX, INC.
State: NC
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 : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, sent a certified letter on XX/XX/2023, to PORTFOLIO RECOVERY, addressing the presence of XXXX accounts with identical amounts, which I believe should be removed as required by law. I requested verification of the alleged debt, citing UCC 9-210 and 15 U.S. Code 44. I emphasized my willingness to pay if legally obligated, but I need proper documentation before proceeding, citing The Fair Debt Collections Practices Act ( 15 U.S. Code 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
Credit reporting agency is reporting late payments on an open account that was never late. According to 15 U.S. Code 1681a ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. The institutions that are reporting late payments are preventing me from being extended credit and or being able to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
My Identity was stolen and there have been unauthorized credit cards and loans opened in my name and reported to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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 the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Credit reporting 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 hope this message finds you well. I am writing to express my concern and submit a complaint to FAIR COLLECTIONS & OUT regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in XXXX U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, FAIR COLLECTIONS & OUT will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support 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 explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: PA
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 the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief