BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had deposited a check into my Wells Fargo business account on XXXX/XXXX/16 from a check from a XXXX account. Wells Fargo had placed a 5 day hold on that check pending verification. On the next day, XXXX/XXXX/16, the check had cleared the XXXX account and was no longer there. Funds had been transferred to Wells Fargo. But they still did n't release the hold. I had fought with them for a week, in the process having my account go into a overdraft situation therefor incurring fees while the account was technically not negative. I repeatedly called the customer service number and nobody could explain where my money was, just that it would be available on XXXX XXXX ... .well over a week away. I had told them I have verification the check cleared, why do n't they. And again no answer. 

I know they have done this numerous customer via website chat rooms about Wells Fargo. It looks like they are using are money to play with to cover the fines they accrued in this latest round of corporate misdoings. This is not fair and they should be fined for this.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 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 2017-04-04
Company: CMRE Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX, and they appear to have sold it to CMRE Financial Services, there are XXXX accounts XXXX that was opened on XX/XX/2016 and the other XX/XX/2016 therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Primary borrower filed bankruptcy in XXXX  for the loan. The company has recently gone through a lawsuit, and they have finally discharged the loan. But they are now saying they can remove the primary 's name off the loan and make me as the co-signer responsible for the loan now. I have researched and I don't see anywhere that this is what they can do. Also, the amount of the loans they are collecting for is not coinciding with the amount they are asking for the loans to payoff these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I first obtained the XXXX credit card in XXXX. Never had any payment problems or disputed charges. In late XXXX XXXX XXXX sold it to Comenity Bank. 

First statement i got from Comenity showed charges i didn't make. I filed a dispute and was told their were mines. I made a written dispute requesting them to please investigate for fraud. I call to check the status and was told the charges were mines. 

I never made a single payment to comenity because they won't even do a proper investigation to my disputed charges. The charges are from XXXX XXXX. I did go for a wedding but i stayed with family. I called the hotel myself to see if i can get evidence but although my card was used, my name wasn't and therefore they weren't willing to help me but did tell me the credit card company can. 

Til this day whenever they contact me i tell them I'll pay my balance in full prior to XX/XX/XXXX. Because i never even activated their credit card issued by them. 

Now they sending it to collections and my 2years window is closing in. So I'd like to get this matter resolved. I ask for comenity please prove it was I who filed these charges because i know for a fact i didn't! I'm not going to pay for something i didn't do. Please remove those fraud/unauthorized charges and i will pay the balance pre XX/XX/XXXX and close the account in good standing and correct my credit. 

They're coming out like the frauds for not even doing a proper investigation when a consumer requests one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Account status incorrect

Complaint:
Transunion is reporting credit utilization and late payments on an account. I told them to remove this account ( XXXX XXXXXXXX ending in XXXX ) and they did not. I am in dispute currently with the account for a billing error. 

Transunion is willfully being non-compliant with my written instructions and has cost me personal loans, housing and credit because of their negative, adverse reporting. 

Transunion is violating the FCRA by reporting experiences as to credit utilization and late payments, going against my written instructions of deleting said account ( as they do not have permissable purposes ), and being willfully non-compliant on fixing this matter. I have evidence, a paper trail, phone calls and video showing Transunion 's constant retaliatory and adverse reporting that is hurting my livelihood, defaming my character and causing stress and anxiety in my everyday life. I will be taking this matter to federal court as I am fed up with their constant violations and disrespect of the law. 

The screenshots are from credit sesame that uses Transunion reports exclusively for reporting.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 other 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 records 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 alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: WI
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:
No providing dispute investigation results to items in dispute. 
I sent in multiple disputes about accounts and inquires that are not mines. Bankruptcy reporting. I never completed bankruptcy payment to get started. False information in report.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request 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 records 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 alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2022-10-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. XXXX, XXXX, and LexisNexis must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 4 accounts on my credit report and some inquiries which do not belong to me I need these off my credit since they are not mine I have not applied for these or used any of these!!!!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX SERVICES Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-05-20
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies or your published copy of your card member service agreement, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, 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 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I reported the numerous fraud charges on my business credit card. On XX/XX/2022, I filed a fraud police report with the XXXX XXXX Police Department ( XXXX ). A copy of the police report attached hereto. On XX/XX/2022, I recieved a Bank of America ( BofA ) letter dated XX/XX/2022, confirming that the charges on my credit card were indeed fraudulent charges. I have continued to recieved fraud charges on my credit card that were reported to BofA and the XXXX. These fraud charges are the carry over that BofA failed to count as fraud charges. I have called BofA on numerous occasions to advise BofA that the left over fraud charges and finance charges of {$480.00} are part of the fraud. BofA has refused to call me or communicate as they are trying to have me pay for fraud charges they have confirmed are not mine. Attached hereto are letters and affidavits indicating charges are fraud. I am being threatened with a charge off and damaging my credit report due to the fraud charges,

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2021 I wrote TransUnion about and negative information that was on my credit report, and they never replied so on XX/XX/XXXX I wrote TranUnion another letter to remove the negative remark off my credit because they didn't reply in the 30 days time frame, and yet and still I haven't heard anything back from them. So now I'm putting in my 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I require my complete credit report from Chex Systems because some of the accounts currently listed with them should not be included.

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 2021-05-20
Company: Creditors' Protection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account showed up on my XXXX  credit report. Unfortunately this has been unnoticed since XXXX this debt was never verified and is been hidden for along time in XXXX  that I did not check, until now. My XXXX  score had been damaged significantly, as result of this Collection that I knew nothing about and after a bankruptcy discharge in XXXX, XXXX. 

1. This account with date of service XX/XX/XXXX, has not been verified, and no documents that ascertain the validity of the account had been received. 

2.- I used XXXX for my health needs and I do not work with providers who are not willing to work with XXXX, by default paying out of pocked is not an option for me. 

3.- During the intake interview I was told that they were willing to work with " XXXX '' for this service, and I agreed to, only if this was to be covered by the them. 

4.- The medical provider agreed to work with the insurance as a condition to perform the service during the front desk initial consultation. 

5.- Why they accept patients with insurance that they do not work with? 

6.- Gov. XXXX announced that he will be suspending laws that permit the service of administrative process as part of consumer debt collection proceedings. 
These measures are intended to assist those impacted by this emergency and in need of temporary financial assistance, said XXXX XXXX, Secretary of the Department of Financial and Professional Regulation I will be more than happy with the Consumer Financial Protection Bureau to come to my aid and on my behalf during this dispute. Thank you for your time and your patience.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX I closed a loan for {$200000.00} with PennyMac on XXXX XXXX. 

Today I spoke with five persons at PennyMac in an attempt to obtain information about the disbursements of funds to pay off debt from my loan with PennyMac. 
None of the representatives that I spoke with were able to provide the information. Ispoke with was XXXX XXXX XXXX XXXX XXXX. I requested to speak with his manager but was left on hold for several minutes. The call ended without anyone returning. XXXX called back. But again, the call was left on hold for XXXX minutes until XXXX came on the call. XXXX indicated that she would escalate the request. Instead, she transferred the call to a loan processor named XXXX. The call later disconnected while speaking with XXXX. XXXX never called back. 

The loan had a disbursement date of XX/XX/2022. The payoff of {$120000.00} in debt to creditors has not occurred and PennyMac has not provided any information about when the payoffs will happen.

Company response to consumer: Closed with explanation