BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have reported identity theft and fraud to wells Fargo and XXXX XXXX XXXX   since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I reported a hard inquiry made by WFDS of XX/XX/XXXX after pulling my credit due to being denied a loan XX/XX/XXXX. Wells Fargo has continued to deny the hard inquiry of XX/XX/XXXX. The last conversation I had ( that was stated it was going to be officially recorded ) with XXXX at Wfds in XX/XX/XXXX he stated it was XXXX fault that I had to deal with them they put it incorrectly on my credit report in XX/XX/XXXX. 
XXXX also reported that wells Fargo did not give me credit for making several payments but not deducted from my balance. I am hereby requesting both loan documents loan recorded on XXXX as XXXX opened XX/XX/XXXX AND ALSO LOAN # XXXX opened in XX/XX/XXXX Wells Fargo owes me the difference fromXX/XX/XXXXthru XX/XX/XXXX. That is XXXX X 7 months And I want it deducted from my loan balance immediately. 
Also I went online and was denied access to my account info as per attached screenshots the following happened TWO ACCOUNTS HAVE MY INFO XXXX XXXX XXXX XXXX I want both these copies of loan documents that created each 1 of these accounts I want wells Fargo to admit to their error and credit my payments fromXX/XX/XXXX thru XX/XX/XXXX from some wells Fargo creating a second account which both denied me proper access to my info and prevented proper credit of all my payments as I reported to the cfpb and wells Fargo XX/XX/XXXX XX/XX/XXXX as they did not protect my personal information required by law. 
I have again recently faxed all additional 27 pages of info requested from me by wells FargoXXXX XXXX XXXX XXXX to investigate the numerous reports I have made to a bank I have dealt with since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX va XXXX I have called wells Fargo back every time they have tried to call me last being XXXX . 
ATTENTION WELLS FARGO / XXXX XXXX CEASE immediately from leaving my personal information and name and personal ECW CASE NUMBER on a phone number that is not mine and has never been mine. 
Wells Fargo and XXXX XXXX and all affiliates know that. 
Does anyone from your financial institutions want me to call a bank and give them info on all the reports I have made against your banks since XX/XX/XXXX and name personal names and their extension numbers. Cease please I attached one last screenshot of your eservices online It STATES PROTECTION privacy and secure on your website. Wells Fargo prove it. 
It asked me to answer 3 security questions ( as per attachments and evidence ) to change my password but THERE WAS NO THIRD QUESTION so I HAVE AGAIN BEEN DENIED ACCESS TO MY PERSONAL information held with wells Fargo bank. I am still locked out.

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 2021-08-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Navient Solutions, LLC.
State: AZ
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:
Dating back to XXXX, my student loan monthly payment has been due on the XXXX of each month with a grace period lasting up to the XXXX of each month. My statements clearly state, " Pay Past Due Amount by <Date that grace period ends> to avoid Late Fee ''. On all but one or two instances, I have met that deadline, submitting payments on the XXXX and received email confirmations that state payment has been " Scheduled for <Date that grace period ends> ''. In addition, when I log into my Navient account and review my account history, the payment dates all show XXXX or XXXX ( with the one or two exceptions I noted above ).

Despite meeting the payment deadline stated in my monthly statements, I have incurred late fees on 9 occasions in the past 24 months. On XX/XX/XXXX I called Navient and spoke with a customer service representative to discuss the late fees I incurred. The explanation that I was given was that payments can take 24-48 hours to process AFTER the date that the actual payment was submitted and this is the reason for the late fees being charged. I explained that information is not provided to the borrrower in any way - not in the payment confirmation email, not in the monthly statements, not in any of the correspondence sent by Navient ( loan documents, account history, email ). This lack of notification is preventing borrowers the opportunity to rectify the issue ( adjusting payment dates to take into the consideration of the 24-48 hour processing delay ). 

With every other bill I pay, those companies honor the date that payments were submitted, regardless of when the payments are actually processed, and no late fees are charged. I don't understand why Navient fails to handle payments in the same way and borrowers need to be made aware of this in every way possible - when they log into their accounts, in the payment confirmation emails and stated clearly in the monthly statements so that they can make necessary adjustments to avoid being charged late fees when submitted payments on the day the grace period ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account still open account paid off paid in full never late account good status needs to be updated with all CRAs. 
PERFECT PAYMENT HISTORY NO LATE PAYMENTS PAID CURRENT STATUS OPEN CURRENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Experian Information Solutions Inc.
State: WI
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:
Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of Experian/ XXXX breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help 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 monetary relief
Consumer complaint received 2024-01-05
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:
Transunion is reporting an account I did not authorize on my credit. I also gave them a police report. I asked how this happened and they gave me no answer. They said that they would do an investigation and that it would take 30 days. It has been beyond 45 days and I have not receive anything. This is illegal and against Fair Credit Reporting Act. Please remove the account below. 

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 2023-08-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
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 fraud alerts or security freezes

Complaint:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX XXXX XXXX   PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA 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 2021-01-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1- fbcs inc XXXX XXXX XXXX XXXX Suit XXXX, XXXX XXXX XXXX XXXX XXXX ) sent my letters to connect {$10000.00} 2- fbcs calls me twice per week phone # XXXX XXXX time XXXX XXXX and XXXX time XXXXXXXX XXXX XXXX I want to stop calls and send letters because I am XXXX XXXX XXXX and have no income, receive money from Social Security only

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NY
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Ally Financia - XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 have hard inquires on my report that I would want removed off my report due to identify theft 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters and disputed this account multiple times. They came back as " verified '' without any proof. I have received a letter from XXXX XXXX stating there is errors and the account must be removed. This is the final attempt before my lawyers will be involved.

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 2019-08-04
Company: CREDIT ACCEPTANCE CORPORATION
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:
Closed account with credit acceptance corp. still showing up on all 3 credit bureau 's reports. This account has been closed/satisfied for some time now and would like it removed from all reports. Thank you very much.

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 2021-01-28
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX on XX/XX/XXXX, received a bill dated XX/XX/XXXX from Progressive Management System which is a violation of 15 USC 1692b and had a consumer transaction with with XXXX XXXX XXXX  XXXX XXXX. In this letter they included Medical procedures information and Health Insurance information relating to my Daughter, XXXX XXXX which is in violation of 45 CFR 164.508a ( 3 ), 45 CFR 164.508 ( 4 ) and 42 USC 1320d-6- ( a ) ( 2 ) which states they committed and offense by obtaining individually identifiable health information and an authorization is required and they did not get that authorization from me. In this letter they used obscene language to threaten me to continuously tarnish my reputation and credibility which is a violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX.account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without 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 non-monetary relief
Consumer complaint received 2020-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I would like to dispute a credit card late payment fee of {$25.00} applied on XX/XX/XXXX with respect to my Bank of America XXXX credit card. 

I have had this credit card for over 10 years, and I had my first late fee on XX/XX/XXXX. Bank of America reversed this fee, because it was my first ever late fee. I spoke with an associate on the phone, and I instructed her to set up a automatic transfer of {$25.00} on the XXXX of each month from my checking account, so I would avoid late fees going forward. This was not done, and I received a late fee on XX/XX/XXXX. I did not receive any notification alerting me the payment had not been made. As soon as I realized there was a problem, I transferred funds to the account on XX/XX/XXXX. I called the Bank of America service center, and they would not accept responsibility or reverse the fee. 

I am currently unemployed and searching for a new job. Previously, I had an automatic transfer set up to make payments from my savings to my credit card account, but I have recently used up all of my savings, and my savings account balance is {$0.00}. That is why my payment in XXXX was 2 days late. I can not afford this late fee, and the negative impact it will have on my credit score. 

Please let me know if further information is required. 

Thank you, 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 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TRANS UNION, XXXX, and XXXX is reporting account information without proper consent or authority. The account information is associated with identity theft and other criminal activity. 

The XXXX credit reporting agencies also failed to take reasonable measures to prevent my identifying information from being used, shared, and sold, after having knowledge of the identity theft and criminal activity. 

I have discovered more criminal activity on the credit report and have filed another identity theft report to have the account information block and permanently 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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 did not do this, someone took a stand by cash account out in my name. 



Changes Previous Report XX/XX/XXXX Latest Report XX/XX/XXXX Credit Report Period XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Condition Derogatory Derogatory Responsibility Individual Individual Current Balance XXXX XXXX Original Balance XXXX XXXX Limit XXXX XXXX Monthly Payment XXXX XXXX Last Payment XX/XX/XXXX XX/XX/XXXX Status Collection / Charge-Off Collection / Charge-Off Loan Term XXXX XXXX Loan Type Line of credit Line of credit Opened XX/XX/XXXX XX/XX/XXXX Reported XX/XX/XXXX XX/XX/XXXX Remarks Charged off as bad debt|Canceled by credit grantor Charged off as bad debt|Canceled by credit grantor Creditor Information 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 XXXXXXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation