BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
I filed an FTC report and filed the paperwork to the credit reporting agencies. The paperwork was not attached to the disputes I filed, and I have not gotten copies of the verification process per the FCRA. 

These are the accounts : XXXXXXXX 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2019-08-01
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a customer of Chase Bank. I have had an issue with overdraft fees on my account and recently I contacted chase to have some of the fees waived and, requested that my card be declined if i have insufficient funds in my account. The bank waived fees for me however, the change to opt out of overdrafts was never made despite my request for it. I requested they opt me out of overdraft protection via a message to customer care through their website on XX/XX/XXXX and they responded XX/XX/XXXX, and did not indicate that the change was made, and i have since been hit with XXXX XXXX dollar overdraft fees. the total of fees at this time exceeds XXXX dollars Chase has now taken a stand that they will not waive any further fees for me and now I am facing a XXXX dollar negative balance because they feel as though its ethical to stand behind their policy and not acknowledge the mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have filed the correct fraud paperwork per the FCRA to remove fraud from my credit report that was caused by identity theft. They paperwork has not been processed properly and I have not been given copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with Transunion, XXXX and XXXX and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022

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 2022-02-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-16
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I rarely use this account and it seems that due to that fact, Key Bank feels that they can charge and continue to charge my account for overdraft fees. I was charged an overdraft fee due to the fact that I made a direct withdrawal for my credit card payment, but because the account went into a negative balance because of how Key Bank rearranged my account transactions, I incurred a {$33.00} overdraft item charge. I was informed by their supervisor on XX/XX/22 that this would be the only way that I would incur overdraft charges. This being due to my not opting into overdraft protection since the account was opened. However, upon checking my account just the next day Key Bank did the same thing again. Yet, this time they rearranged the posting transactions in my account so that I would be charged XXXX overdraft fees, one of which they refunded as they knew it was their error because I wasn't opted into overdraft protection and therefore should have never been charged these fees in the first place. So, I have now incurred {$77.00} in overdraft fees that should have never been charged to my account due to my opting out of overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This agency/law firm/debt collector sent collection letters for an extended amount of time to the WRONG ATTORNEY IN WISCONSIN XXXX, WI. Per the XXXX XXXX XXXX XXXX XXXX, this complaint closed and the attorney was found to have made the error unintentionally. As of XX/XX/XXXX, a judgement for {$3400.00} was filed and ordered. Currently, incorrect information is listed on this case. The Wisconsin Public Records states for this case has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI as a c/o recipient to receive mail effective XX/XX/XXXX. This information is false. XXXX XXXX was not retained as my attorney for this case on that date. Neither XXXX nor I were aware of any attempt of debt collection prior to XX/XX/XXXX. Dobberstein Law Firm, Attorney XXXX XXXX, admitted to mailing any and all collection documents to the wrong attorney. I, XXXX XXXX, was unaware of attempts for contact or collection in XX/XX/XXXX until I received solicitation letter mail from Bankruptcy Attorneys notifying me that I was being sued. Not only did this law firm send all attempts to collect debt to the wrong attorney, the county court house included the wrong address to send correspondence to after the judgement was filed. I will not receive any documents regarding a pending garnishment, nor will my attorney, since the debt collection law firm made valuable mistakes with legal documents. I was not notified in the proper amount of time to work out a repayment plan before a court date was scheduled. After the court date was ruled in favor of a garnishment, the debt collection law firm continued making mistakes when submitting information to the county clerk. As of XX/XX/XXXX, the name of the representating attorney is correct, but the wrong mailing address. This law firm should be held liable for malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Exeter Finance Corp.
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 have late payment entries that have been recorded on XXXX, XXXX  ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Good Afternoon, Below are disputed claims that are still showing on my report. I have no knowledge of these accounts. 

XXXX XXXX- {$1600.00} opened XX/XX/XXXX XXXX -- {$4900.00} opened XX/XX/XXXX XXXX- {$9700.00} opened XX/XX/XXXX XXXX XXXX - {$6600.00} opened XX/XX/XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX us dept of ed {$9500.00} XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: IL
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:
There are 10 unauthorized inquiries on my XXXX, XXXX and Experian credit reports that I have requested to be removed. 

1. XXXX XXXX 2. XXXX XXXX 3, XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5 . XXXX XXXX XXXX 6. XXXX XXXXXXXX XXXX 7. XXXXXXXX XXXX XXXX XXXX XXXX 8. 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 2018-02-15
Company: DISCOVER BANK
State: AZ
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I purchased a XXXX car rental reservation for XX/XX/XXXX through XX/XX/XXXX in the amount of {$340.00}. 
My XXXX reservation was booked with XXXX at XXXX XXXX XXXX XXXX in XXXX, NY. 
Upon arrival, I showed my printed out reservation from XXXX to receive my prepaid rental. The agent notified me I needed to pay for a {$500.00} refundable deposit. I was aware a deposit was needed, but not as high as {$500.00}. I did not have the money on any of the cards I traveled with, so we asked if my fianc could put the deposit on his card. The agent assured us she could modify the reservation to his name, but we would still be using our XXXX prepaid reservation. 
My fianc used his debit card to pay for the deposit and we were shortly on our way. 
Upon returning our rental, the agents had difficulty finding our reservation. Finally, they found it and issued a receipt. We hurried to our airline counter to receive our boarding passes so we can make our return flight home. When we reached our gate, I realized that the total charges reflected showed they were debited from my fiancs XXXX card in the amount of {$380.00}. 
I called XXXX about this and they said to contact XXXX. I called XXXX and they said that all sales are final and because we changed the reservation name, my XXXX reservation shows that it is unused and they refused to refund the amount. I explained to the XXXX representative that the XXXX agent at the counter made this modification because of the deposit. She still blamed me, the consumer, when I had no idea what the agent was entering into a computer behind the counter. It was the agents duty to make us aware that the reservation was now put under my fiancs name is considered a new reservation & not a prepaid XXXX reservation. If made aware, no one would have allowed this transaction to be created in the first place, resulting in an overcharge. 
The credit card I purchased my XXXX reservation with is Discover. I called Discover and opened a dispute on XX/XX/XXXX. This dispute is still in progress 5 months later. I have documentation showing my fiancs card was charged for the full reservation amount as well as my credit card. We have now paid for the exact same rental, twice on two seperate credit cards and after 5 months with Discover, there has been no resolution and my dispute is under final review for another 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
A fraudulent auto loan was opened in my name and now Bank of America is reporting a fraudulent loan on my credit 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 2022-03-25
Company: WELLS FARGO & COMPANY
State: CO
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:
I was supposed to be paying XXXX car rental company a weekly payment for the rental I had that I was using for XXXX. I am a customer of Wells Fargo, Wells Fargo each week would deem the payment from XXXX car rental as a potential fraud and decline it, while acccepting all other payments that I was making to my debit card. XXXX car rental just like XXXX, proceeds to deposit and then withdraw into the bank account over 24 hour period which I thought they were doing. Wells Fargo was denying the payments until it became one lump sum payment and before my account was nearly below {$200.00}, in which after at their discretion, Wells Fargo proceeded to overdraft the account by over {$1900.00} without my consent, and left me in a hole by hindering my XXXX XXXX because I had to return the car I thought I was paying for it. I started talking to Wells Fargo complaint center earlier this week about this issue and they further perpetuated the issue and made it worse as I just saw this morning that XXXX withdrew another payment from my account at the discretion of Wells Fargo with Wells Fargo knowing that this is in the process. Wells Fargo is openly committing this fraud. Wells Fargo is continuously allowing XXXX. to withdraw funds from my checking account, even though I dont have the available funds. Wells Fargo knows that Im in the process of reporting them for this fraudulent activity. It goes against the overdraft protection rules. Wells Fargo is literally sabotaging my life financially, and there continuously allowing this activity to happen even though its against the law and they dont have my written affirmative consent to overcharge. I have evidence of all of the fraudulent activity including the executives in the complaint center avoiding answering my questions. 

I have all the evidence the CFPB will need to prove that Wells Fargo is committing this fraud against me. Please contact me at XXXX, and my name is XXXX XXXX. 

Thank you for your help, 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2022-03-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may concern, On or about XX/XX/XXXX I received a notice from the Massachusetts XXXX that the registration for my XXXX XXXXXXXX XXXX will expire the last day of XX/XX/XXXX and that I could renew it online before that date. I tried Multiple times to complete this process and it kept coming back, unable to renew online. I called My insurance agent and they informed me that the XXXX was aware that my wife XXXX XXXX passed away on XX/XX/XXXX and the only way to renew the registration was to have my wife removed from the title. I called Fifth Third Bank out of XXXX, OH as they are financial institution that has the loan and lien on the title multiple times, including the title department and probate department to inform them that I needed my Wife XXXX XXXX removed from the title. I told them I would send them XXXXXXXX XXXX death Certificate and documents from probate court that I XXXX XXXX is the executor of her estate.They told me multiple times, that the only way to remove her was to pay the loan off in full or to refinance the loan. This is a complete act of cruelty and unfair practice this bank has put on me. Because my wife XXXX from XXXX at the age of XXXX I should never been put in this position. Fifth Third bank backed me into a corner and forced me to either refinance the loan with another bank at a rate of 4 % higher then what I am currently paying, or drain my bank account and pay the loan off when I just lost my wife and her income, More over I have an underage child that I need to take care of. I want this issue addressed and I also want it brought to the atttention of Congress. A simple Certificate of death should of solved this issue in a matter of minutes, but Fifth Third bank just destroyed my life even more than it already was due to the loss of my wife. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: HEARTLAND PAYMENT 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 transferred to XXXX university in XX/XX/XXXX. I was told by the admission adviser the first class was a free base on what they call XXXX XXXX XXXX XXXX. My financial aid kicked in during the subsequent term but XXXX found a way to charge me another {$2000.00} for during that term. I was also charged for the same complementary course they offered me as well. I reached out to them when I saw the charge in XXXX and was told it was going to be taken care of. Fast forward in XXXX, I received a bill for {$4100.00} from a company caller XXXX XXXX on behalf of XXXX. I emailed my student Admission ( XXXX XXXX ) and told him about the invoice. He forwarded the emailed to a Student account representative by the name of XXXX XXXX. XXXX to me I was not eligible for the complementary course but that was not communicated to me in XXXX till XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Services is in violation of the GLBA. They have been notified of the non-compliance and they continue to willfully invade my privacy by disclosing my private- non public financial information.

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