BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted all three credit bureaus via certified letters, to have this XXXX XXXX closed account removed from my credit reports. I have not heard from them and it's been 30 days now this is not compliant with the FCRA law that holds the bureaus responsible for responding to consumers within a timely manner. This closed account has caused stress and my credit score to decrease drastically. I am in a financial hardship and am a single mother. 
.

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 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I purchased an XXXX subscription in XXXX of 2022 online through the Capital One Website. The transaction failed on the Credit Card end, not mine, nor was I informed. 

I contacted the CEO on several occasions alerting him of this and asking him to reverse the interest and late fees. Not only did XXXX XXXX not do this, the fees and interest continued to accrue. Today I paid {$88.00} in interest and fees on a {$16.00} purchase as this while completely ridiculous is negatively impacting my credit score.

Thank you for your help friends at the CFPB Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX XXXX and Equifax are reporting incorrect information on my credit report from XXXX XXXX XXXX. 
I was not under a contract for the period in which XXXX is claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
IVE JUST RECEIVED MY CREDIT REPORT AND NOTICED UNAUTHORIZED ITEMS THAT SHOULDNT BE REPORTING TO MY CREDIT PROFILE. AND IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACTING, XXXX  ACCOUNT # XXXX AND ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 604 A states that I have the right to privacy 15 USC 1681 602 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns I can be reached at 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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Thaxton Investment Corporation
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:
I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023, I went online through M & T Bank and paid off my vehicle {$5700.00}, however I never saw the transaction go through in my XXXX XXXX  account, so on XX/XX/2023 I paid off my vehicle again. 

I went to the M & T branch in XXXX, NY and spoke with XXXX on XX/XX/2023 to stop the transaction. She stated don't worry about it because it was pending and M & T Bank should kick back my money. 

I called XXXX back on XX/XX/2023 and told her I still did not get my money back. XXXX stated I should check my XXXX account on XX/XX/2023 as I should be reimbursed my money then. 

I received my letter in the mail stating my vehicle was paid off in full. 

I was not and so, I called the M & T Bank in XXXX again on XX/XX/XXXX at XXXX hours. 

This bank had yet to reimburse me my money and it has almost been a month since the transaction.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. These transactions do not relate to me as the consumer block and remove 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 2021-09-10
Company: EQUIFAX, INC.
State: OR
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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
in accordance with the FCRA convergent account account XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX HAS VIOLATEDMY 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 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX no autorizada XXXX Bank XX/XX/XXXX no autorizada XXXX XX/XX/XXXX no autorizada CoreLogic XX/XX/XXXX no autorizada XXXX XXXX XXXX XXXX XXXX XXXX no autorizada XXXX Bank XXXX XXXX XXXX no autorizada XXXX XXXX Section 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 2023-03-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was overdrawn they cash something that wasnt mine

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had an account several years ago. I don't remember the dates, maybe XXXX. I was charged several NSF fees and even if I had money in the account to cover at least XXXX or XXXX bills that were due to be paid, Wells Fargo would take the NSF fees from the larger bills and by the time the fees were taken, I could not pay any bills. It put me in the negative several times. I had to close the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: IL
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 recently checked my credit report and noticed that there were unauthorized accounts being reported as debt to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I talked with a representative for XXXX XXXX for my XXXX Store card and I was told I had to make equal payments on three phone purchases I made which made my minimum payment {$100.00}. I tried to dispute with them to lower the amount to {$51.00} as I been paying way over the minumum payment requirement to cover the phone purchase that had a balance of {$810.00}. The representative told me that I had the option to see the purchases, and the current balances on them and that I had the option to allocate the payments. This is incorrect, my billing statement and my account online does not have any of those balances visible, and no allocation options like my other cards from this provider. My XXXX store card let 's me see these balances and allows me to allocate but not the XXXX store one. I find this unfair as I have the dates of payments where I paid higher then the mentioned {$100.00} and payments that occurred twice in the same month.

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 2023-12-05
Company: EQUIFAX, INC.
State: IL
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 noticed these unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

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 explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-03-26
Company: WELLS FARGO & COMPANY
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX from wellsfargo lender at first everything went smoothly the. About 4 months into my loan then the amounts kept changing, other misc fees were being added to account. Reached out to the company and they said it takes time to get finalized numbers and amounts and so rates/prices will change. 
I told them Ive had other auto loans previously and never experienced this type of issue before. I Continued to make payments until my account kept changing fees and pricing! The company wasnt interested in settling anything or fixing nothing.

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 2023-01-18
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
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 entered into a lease with SE Toyota Finance in XXXX, 2021. It was explained to me that when I took the car from the dealership, I was paying the down payment, first month 's payment, and taxes/Insurance/Plates. I signed up for auto pay shortly thereafter. NOT ONCE did I receive a call, a courtesy reminder, an update, an email, a text, nothing to notify me that there was a delay or issue with my payment. Every payment was made on my account. In XXXX, 2021 I received a credit monitoring notification that my account had been reported 30 days late. I was certain that this was a mistake, because again, I was on auto payment, all of my payments had been deducted from my account, and I never received any kind of notification from SE Toyota Finance that there was an issue with my new lease. I called them immediately, disputed the information, received response that payment in XXXX was not made. I called again, spoke with an agent, per his instructions, I sent proof that payment for XXXX was made. Agent placed me on hold for a while, came back to tell me that the fist payment in XXXX was not made??? Again, no call, no email, no text, nothing. A 30 day late in XXXX, this is a mistake. 
I have contacted credit agencies, unfortunately SE Toyota Finance responds that the reporting is accurate. I have called numerous times, no resolution. I have even gone to a local branch, no resolution. I have not made a late payment, this company is not listening or cooperating. This has been a burden for me for over a year and a half. I feel that my rights have been violated and ask that they truly investigate and delete that negative mark they placed on my credit report. This is my first experience with this company, unfortunately as I have been treated thus far, it will be my last. Inaccurate information to be placed on my report without investigating, without an alert, without communicating with me is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Between XXXX and XXXX I have had over draft fees applied to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, 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:
Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It has been over 30 days and the creditor has not updated the info or provided proof or documentation in regards to the late payments. The account is now in current status and I am requesting that the late payments be removed from my credit file. By law they must remove it immediately.

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 2023-01-12
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
1. Navy federal has put in the system that i owe them {$100000.00} I never EVER applied for no loan I've never had no unsecured credit card with them and every time i get in contact an employee tells me their working on it and always ends up hanging up. 
- i found notice of this when i tried to apply for a bank account and they told me that i owe never federal {$100000.00} this is FALSE this is stopping me from growing and getting jobs something i know nothing about. 

2. Navy federal is falsely reporting a debt that i do not owe. I got a secured credit that i put {$5000.00} down of my own money. they end up closing my account in which that money that i put down would be used in collateral to pay off the credit. MONEY that i never got from navy federal in the first place i put with my own money. 
- They reported the SECURED credit card as a UNSECURED Credit card on my credit reporting file i have proof, they are reporting untrue things that is extremely bringing down my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation