BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have 2 private student loans totaling {$100000.00}. These loans have been in deferment from XX/XX/XXXX to XX/XX/XXXX. During the deferment period, no interest is supposed to accrue, therefore no interest should start accruing until XX/XX/XXXX. This is stated in the loans ' Master Promissory Notes as well as specified verbatim in the loan servicer 's ( University Accounting Service , LLC ) deferment confirmation letters. However, interest has been accruing on a daily basis. When I call, they will acknowledge the mistake and remove the interest only for interest to continue accruing on the next day. Interest continues to accrue on a daily basis necessitating me to call multiple time for them to fix the issue. The issue has not been fixed. Interest on these 2 loans continues to accrue while in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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. 

PLEASE SEE ATTACHED 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 2023-05-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Received a text about fraud activity. Closed the card immediately. Called and Reported 2 fraudulent transactions and ordered new cards. Company denied my claim despite following directions as followed. I called and spoke with a claims specialist who told me i would need to speak to the merchant directly. She said that because I had other transactions on the account around the same time that I didnt report as fraud, they have concluded that the transactions I reported were authorized by me.

I escalated to a supervisor who told me that the claims were not valid and that if I wanted to escalate further or talk to another supervisor, i would need to hang up and call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never gave any of these people or buisness to run my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE CO

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 2022-02-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 a 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 2021-03-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This has been an ongoing issue for almost one year now. Around XXXX of 2020, my debit card with Wells Fargo had been compromised. I immediately called and reported all of the fraud charges. I also noted multiple times that I have not received any new cards nor was I able to log on to my online account. My email address and phone number had been changed on my account and I was not able to view any updates. I mentioned this issue to every single agent I spoke to and only one was sure to make a report and note it. I was informed by the fraud department that a police report was necessary for this case. I tried to send this report to Wells Fargo multiple times. One agent even told me my police report was denied and they did not even want to look at it. How does it make sense to ask for a police report and then deny it? I tried to speak directly with the agents that were in charge of my case, but had no luck. First, I was told my case needed to be sent to a manager or supervisor and I would get a callback. Nobody EVER called me back. Also, I explained multiple times that my email and phone number were not correct and to update my profile. Later, the agent explained that all updates were being sent to the fraudulent contact information on the account. I tried to work with Wells Fargo in every way that I could, but there is no hope anymore. I even contacted the merchants that were associated with the fraud and every single one said they were unable to help and that my bank should take care of this issue. All of the fraud charges have a total of around {$8000.00}. This is a large sum of money and I should not be held liable for these fraudulent transactions. I would like my money back asap. I have been lied to and treated like a piece of garbage going back and forth with this terrible bank.

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 2019-06-13
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Me and my ex husband were referred to loan depot to speak with XXXX XXXX a Lender to help with refinance of a martial property which through our divorce i was award half the equity. My ex couldn't get financed and XXXX helped with the process and she was advise he is very old school and doesn't like change and can't afford for his payments to go up a lot. my ex gave XXXX authorization to sign and my email to all the process on his behalf. to sign any documents. my email is on file and phone number, XXXX has been speaking and getting information and documents from me since the beginning of this loan. once it got to the end and I asked XXXX about the payment, she advise me over {$900.00}. I advise her I would speak with my ex and get back with her and also asked about the interest being lower. Well me and my ex spoke and decided the payments were going to be to much and place him in a hardship. I sent a email advising her we both agreed to cancel the loan since we have not signed. This is where things got nasty and harassing and want ever call pulled. XXXX who was a manager from processor stated she was sorry to hear that and she would have XXXX cash cancel the loan. I get a email from XXXX XXXX stating to me she can not cancel the loan because I'm not on the loan. me and my ex attempted to call her and left message she hung up and he left a message stating he wanted to cancel the loan. XXXX was advise to not contact us several times. she sent a email stating he was being pushed to say that. first off. I was awarded half the equity it would benefit me to go though with the refinance no cancel. then she advised me that he needs to call her manager no one was willing to cancel. so we called and speak with XXXX XXXX and he was rude and stated he couldn't speak with me and begin to advise to hold and I can call my ex on the other line. then when I got my ex on the line mr XXXX kept over talking and saying he could get the loan down another {$100.00} which at this point was point less and then asked if he could call him back. my ex call Mr .XXXX  and was told he was in contempt, so basically harassing and threating just because we said no. I need all the phone conversations pulled. XXXX XXXX has lied and gave misinformed information and her emailed pulled. as I advised to stop contacting me. she also called me on her personal phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX REINVESTIGATION Be Advised : The following accounts are coded incorrectly per XXXX XXXX  Guidelines. 
These are both Retail installment loans, not AUTO LOANS They should be coded as such and as XXXX not XXXX You are reporting these accounts as late instead of billing errors with the error in coding which is causing my score to suffer by more than 200 points. 

You have 15 days to UPDATE your errors per XXXX XXXX Guidelines XXXX XXXX XXXX Ready to SUE, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Around XXXX on XX/XX/XXXX, I was drugged, assaulted & robbed by an unknown individual. This individual was able to steal my unlocked phone given my state and used it to access my bank information ( Wells Fargo ) & XXXX XXXX. Among other things such as signing up for new credit cards and attempting to make thousands of dollars in purchases via my XXXX credit card ( which were denied ), the thief used XXXX XXXX  via the Wells Fargo debit card stored in my XXXX XXXX to transfer {$1300.00} to himself across XXXX transactions. In addition to this, he transferred {$3400.00} to himself via the XXXX function in the Wells Fargo app. He also moved thousands of dollars from my savings account to my checking account in order to get more money out of the account. The morning after the incident I took all necessary steps ( reported this as fraud to Wells Fargo and opened claims, closed my existing accounts and opened new ones, locked down my credit report, cancelled my chase credit card, filed a police report, etc. ) On XX/XX/XXXX I was informed via mail that the XXXX transactions were being dubbed by Wells Fargo as done by me or someone authorized by me, which is not the case. The claims were denied and the case was closed. They have stated the XXXX XXXX transactions are yet to be completed but they expect them to be approved and paid out as finalized shortly.

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 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
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 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 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 explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This is XXXX XXXX and I am submitting this follow-up CFPB Complaint to request the removal and deletion of the fraudulent inquiries from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any inquiries that resulted from the fraudulent activity. Therefore, I request that Experian remove the disputed inquiries from my Credit File as soon as possible : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed inquiries belong to me, I request that they send me copies of documenst supporting such claims. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed inquiries from my Credit File.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received letter from XXXX stating they have started investigating my compliant and if the companies doesn't responded within a timely 30 days manner the I would need to call the companies and arrange for the incorrect information to be removed. I told them that I never had XXXX XXXX  Account, nor do I have any credit cards in my name or in my possession. Soon after I reported the information with XXXX and read their response. I then received on XXXX  a Notice of data breach. Seems to me everytime I try to dispute or challenge my credit report data. I get letters such as notice of data breach or my identity has been stolen. Is this a tactic on the part of the credit bureau. I also requested a copy of my credit report from all XXXX bureaus and I only received XXXX. I personally called all three bureaus to resolved these inquiries and to remove any information that was not accurate. Any they had the nerve to want me to pay them to remove my information off the dark web.

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 2020-06-06
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have been attempting to get a payoff quote for a HELOC for over a month from Umpqua. This is to complete my refinance. They are holding me hostage in my mortgage and preventing me from accessing my liquidity by holding up the refinance process. 

Each agent I speak to on the phone says they will emails it in 1-2 days. They never send it. They have all the correct contact info, I have no issues getting bills and statements from them. 

To make matters worse, I have never even used this HELOC. They will charge me {$500.00} in early termination fees that they do not disclose on their site and did not disclose during opening. I dont even want to fight them on that. I just want to close the loan and move on.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: MI
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 XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and Transunion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2019-06-13
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a phone call from a " BB & T Fraud Specialist '' from the phone number associated with BB & T Customer Support. This individual called me by my appropriate name and stated there was suspected fraudulent activity on my account. They stated an attempted charge which I didn't attempt which I responded " no '' to attempting. After this they repeated back to me various charges which my husband and I had completed with our checking account. I found out later that this was a spoof call, despite coming from a legitimate BB & T phone number. As they had personal information such as my name, phone number, and recent legitimate charges, I believe that this was an internal hack at BB & T resulting in the spam/fraud of my person. When changing account information at a BB & T branch location, they also mentioned that at least 6 other consumers came into that branch with the same issue. 

As a result, I have changed my phone number, opened a new email account, have changed all passwords associated with various online accounts, and closed/opened a new checking/savings account with BB & T.

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 2023-05-08
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 requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Self Financial Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I WAS SICK IN THE HOSPITAL WITH XXXX  AND THEY REPORTED A LATE PAYMENT TO THE CREDIT BUREAUS ALL XXXX AND IT DROP ALL XXXX OF MY SCORES BAD I NEED THAT REMOVE I RECENTLY PAID OFF MOST OF THIS INSTALLMENT LOAN I NEED THE LATE PAYMENT REMOVED

Company response to consumer: Closed with explanation