BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Have an open investigation due to identity theft from the XXXX data breach and they ( the CRA 's ) stated it will take 60 days to respond, however, the account is still reporting during the investigation time frame, this is currently reporting false information that is illegal and they are in violation AT THIS MOMENT. sure, take 60 days to respond, but this needs to be removed until they respond. The FRCA also states these items must be removed until they can verify the account or investigation is complete. 

These accounts are fraud and should be removed 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 non-monetary relief
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called Wells Fargo for fraud going on live time with my account. I was transferred to Fraud dept. 
The guy/woman I think named XXXX verified the claim was submitted by CS. 
Told me a new card was being resent to me as we speak and it would be 7 days. 
He told me I could go into the bank and write a check to get money and survive until the card arrived. 
I told him the criminal illegally wiped me out and I have a negative balance. A hot check was illegal. He told me nothing else could be done because the transactions were still pending. I asked why would they allow the transaction to post and give the criminal my money but make me suffer vs. stopping the transaction before posting it. No Answer. 
I asked again and he loudly spoke over me ; so I loudly spoke over him to ask my question a 3rd time. I know they can reverse a transaction because they instantaneously did for one by the criminal today. 
He told me I was rude and asked if I wanted his help. I said yes I do, but if you are not going to answer my questions then get me your manager or boss. He again yelled that I spoke over him. 
I told him I had to speak over him because he would not shut up and answer my questions. I asked to speak to his boss then told me the conversation was over and hung up. 
I called back and spoke to XXXX who read from a script and repeated stated the claim was processed and Fraud is handling it. 
The same fraud dept that hung up on me? Im supposed to trust them? How does an XXXX person with XXXXXXXX XXXX ; no means of money or gas or food/water survive while they play thumb wars for 10 days. Again, I was told the claim was processed and they are working on it. So I asked the same question ; why would the first guy tell me to go to a bank location and write a check off an account with a negative balance after someone wiped out my account down in XXXX? Does Wells Fargo want me in jail? Is this how they treat all customers who call to report fraud? They simply hang up on us instead of helping? 
So now I have to wait 10 days with XXXX money ; no food ; no gas ; no means of survival because the Fraud and customer service groups at Wells Fargo refuse to answer or help me other than tell me to wait it out. 

Wells Fargo acts like they care very little for their customers as I have seen a 36 % customer service rating. After how I was treated, I would give a 0 % rating. I am leaving this bank after being a customer for near 30 years and my account being hacked 3 times in last 10 years. They have a security problem.

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 2023-12-12
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and i haven't received anything. I did my research on the laws and in section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause 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 explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-01-07
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two issues with accounts I recently opened with Regions Bank. I opened these accounts after receiving a promotional offer mailer advertising a bonus for opening a new checking and/or savings account. I opened both a checking account and a money market savings account, and have received the {$400.00} bonus that was advertised to me. So far, so good. 

XXXX ) The issue began when I went to close these accounts, as I opened them only for the bonus offer. The branch employee informed me there would be a {$25.00} " early closure '' fee for both accounts because they had to remain open for at least 6 months, as part of the promotion. This early closure fee was not disclosed anywhere on the promotional offer ( images attached for reference ), nor anywhere that I recall during the account opening process. Note that I work in consumer protection compliance for a large national bank ; in other words, I read the fine print. So I was more than surprised to find out about these fees only through the ( very helpful ) branch employee. This is material information that may have affected my decision whether or not to open these accounts. Given both the CFPB 's and President Biden 's recent advocacy against junk fees, and against deceptive practices in general, it's surprising to me that Regions would try to impose a fee like this ( on a promotional offer, no less ) without at least disclosing it to customers. 

XXXX ) The second issue is specific to the money market savings account. I was recently charged a {$12.00} fee that, through research, I believe is for for not maintaining the required minimum account balance. ( I say through research because my statement gives no detail on what the fee is for ). I'm fairly certain the minimum required balance when I opened my account was {$2000.00}, because that's how much I put in the account ( i.e. I didn't choose {$2000.00} at random ). There is nowhere that I've found in my account info that states what my minimum required balance is ( super helpful ), but looking at other Regions accounts it appears to be {$2500.00}. I'm not sure if this changed after I opened my account or what happened exactly. I won't say it's impossible that I read the min balance wrong, but again, I can't imagine I would've chosen to deposit {$2000.00} if I knew the minimum required balance was {$2500.00}.

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 monetary relief
Consumer complaint received 2023-01-21
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
BarclayXXXX XXXX published closing date on my account is the XXXX of the month. The interest is charged on that date, listed on my statement each month. It has been posted in XXXX a day early. Customer Service from Barclays stated that the interest charge can be posted a day or two earlier. It has never been the historical case. The Customer Service XXXX with whom I spoke ( XXXX ) on XX/XX/XXXX  stated that the inconsistency could not be explained. My complaint is that the interest charged is inconsistent with the closing date, therefore not an accurate date/interest charged amount as their web site posts, and what the Barclays Bank internal systems lists . Two sets of books is a practice not consistent with published financial statutes. Please advise. Note : The Customer Service XXXX mentioned an internal complaint would be noted on 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When logging into my app which is XXXX XXXX with XXXX XXXX, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my XXXX XXXX over XXXX points on all XXXX credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from 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 non-monetary relief
Consumer complaint received 2023-11-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter stating I owe I past due amount of XXXX dos and over XXXX XXXX dollars in late charges. The letter said if we don't dispute the amount in writing, according to state law, we would owe the amount, and a phone call to correct would not resolve the issue. 

My husband received a phone cal todayl saying that we had not paid the month of XXXX nor XXXX. He opened his bank app and told them we had. They said they could not find the payment, so you owe the money, and they are going to tack on late fees on top of that. They keep calling me but I don't pick up because I KNOW I paid, and they are just harassing me. What if I believed their claims and paid another payment? They are harassing us for no reason.

Company response to consumer: In progress
Consumer complaint received 2022-11-01
Company: Google Compare Credit Cards Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get my credit report from XXXX XXXX for months now, every to obtain this falling their instructions always keeps me going in circles. I have called them and asked for them to give me help many times but I can never ever get my true credit score or any type of information from them. I can however go to other services such as XXXX XXXX and get my credit score which states that it is a score of XXXX, it states that I have two revolving accounts and two installment accounts with no negative items. Other services for example when I went to go purchase a car I had told me my score was a score of XXXX this is in complete discrepancy of what my actual credit report is. I have also attempted to call XXXX and talk to them I did once talk to them and they stated that I owed on two credit cards first off I was always told that XXXX would never call me but they did., After discussion with their representative I inform them a yes two of the credit cards were in fact mine at one time but due to Identity theft which is documented with the FTC doj and you that I could not contact them to talk to them about it or even make a payment, experience represented told me that I should have had insurance on the two cards I informed her at the time I did have insurance which I do in fact have insurance on these cards they showed them charged off in XXXX of 2021 still showing payments after that which I never did and also showing 90 day and 120 late pays, this is completely incorrect. I filed with the bureaus to remove these items which they refuse to do, however if I had insurance on these cards which I did they should have been paid off and recommended to me if this was taken care of which never happened the two credit card companies are credit XXXX XXXX XXXX and XXXX XXXX XXXX. Every attempt for me to contact these companies is future due to my phone being blocked from XXXX and by XXXX and XXXX I'm considering this a complaint and I will be going to the media this afternoon to make this public because it is false erroneous and flat out lies I also have an original report from annual credit report which is the most accurate in my possession which shows the information on there quite different from what they are reporting on my current credit report I doubt that they know that. I'll be filing next with the cfpb my reports against XXXX, XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi, I am very sick and have been getting XXXX from Ca. until I get a XXXX XXXX. My benefits were due to run out on XX/XX/2023. I called to ask if they could be extended as we wait for my XXXX. I filled out the form as they instructed me to do. I found out that they froze my account on XX/XX/2023. I can not work, pay my rent or buy food let alone XXXX! Every XXXX on that XXXX account was all that I have to survive until I get a XXXX XXXX XXXX. I've gone into the bank for hours with the manager and told BOTH by Bank of America and XXXX that the other one closed it. 

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that TransUnion Credit Bureau closed my complaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 

-- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 


-- I am entitled to Fair Credit Reporting. 

-- I have given them authorized permission to report my address on my consumer credit report. 

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 


-- Letters have been sent with this address by certified mail and return receipts have been received by me. 


-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.

Company response to consumer: Closed with explanation