BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them 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 2020-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased XXXX in XXXX in XXXX TN XXXX irginally {$320.00} in XX/XX/XXXX XXXX went up to roughly {$550.00} I was making pmts and tgen got to where the high pmts along with insurance was too high my vehicle was repossed XX/XX/XXXX wells fargo would not work with me on the large pmts. I joined military XX/XX/XXXX bc of repossesion i was denied security clearance and $ XXXX sign on bonus. XXXX i had to file bankruptcy bc repossession was on credit but was still for full amount even tho the vehicle was sold. I filed bankruptcy bc i needed clearance to get new XXXX in XXXX to XXXX XXXX and i was denied clearance again went to see XXXX and was told bc of bankruptcy. I lost another sign on bonus of $ XXXX. In XXXX i tried to renew my XXXX contract bc my wife had become XXXX and we had a XXXX year old XXXX child and needed the insurance and job. I was denied contract renewal bc i could not rank to XXXX bc of the banruptcy and had to get out in XX/XX/XXXX. Forced out i have a family XXXX kids a XXXX wife and XXXX child i was now jobless and no check for 3 months. All of this bc Wells Fargo fraudulently placed CPI on my vehicle when i had full coverage pmts got too high out of nowhere and no willingness for help from Wells Fargo. Recieved letter beginning XXXX regarding class action lawsuit regarding my Tennessee wells Fargo loan. Contacted number heard nothing bk for months then requested insurance I called multiple companies wasnt sure who i had coverage with it was almost 10 years ago insurance companies saying they cant go bk that far. I called Dept of Safety in Tennessee and they can only view current ins. I called the office of Wells Fargo president and was told i was denied bc insurance i thought i may had was not valid. I was told till i can provide it i cant reopen it and that was on XX/XX/XXXX with case manager XXXX. Prior to being denied and filing complaint with office of wells fargo president ive spoke to 2 different agents who said proof of insurance was on file. I was then transferred to office of wells fargo president spoke to XXXX XX/XX/XXXX or XX/XX/XXXX she provided number and claim to me Phone XXXX Ext XXXX XXXX # XXXX. 
Account was given to case mgr XXXX he called next day that was Friday XX/XX/XXXX missed his call i called him today XX/XX/XXXX and said closing case. He was no help and rude. This has ruined my credit it ruined my military career, bonuses and has caused me to have to pay higher interest on loans. This is not right what they have done to me my family and to others. Please i need help

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 2022-08-29
Company: OneMain Finance Corporation
State: TX
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 six of them for each date of inquire on my credit report from OneMain Financial. They refused to remove it during XXXX of the month. 

Action activity : XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received debt collection letters from XXXX XXXX XXXX on behalf of the Genesis FS credit card company for a credit csrd debt that is not mine. What actually happened was that I paid the owner of a painting company with a personal check and he used the check account number and routing number info to steal more than {$7000.00} from my checking account to pay for some of his credit card debt including debt to Genesis FS card.I reported the fraud to my. bank XXXX and the matter was resolved with the Genesis FS card Co ( I have a letter from my bank stating as so ). Now it seems thaht Genesis FS card Co, decided t go after me for a debt that is not under my name, I want this to be kept out my credit score report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have always paid my bills timely and had a great credit score. My loan company has lost the last two payments I have mailed them. I mailed my XX/XX/XXXX payment on XX/XX/XXXX. I received notice in XXXX it was not received. Then I started getting phone calls from a computer that said it was my loan company, but you could not talk to any one. I tried calling the phone number back and could not speak to anyone. I got concerned that these were scan calls, so I placed a stop payment on that check XX/XX/XXXX. I mailed another check on XX/XX/XXXX for both XXXX and XXXX payment. During this time I tried getting through to all departments at my load company and could not speak to a real person, all computerized. I even took 4 hours of vacation from my job on XX/XX/XXXX to tried to get through to someone and no success. 

Received a call from collections XX/XX/XXXX, finally a live person. Explained the whole situation, and advised that I had put a stop payment on the original check and mailed another one. Now I have stop check fees and late fees that I should not have accrued. 

Today is XX/XX/XXXX and they still have not received the check mailed XX/XX/XXXX. Another late fee, and now they received the original check mailed XX/XX/XXXX and tried to cash it, even after I informed them a stop payment had been issued. Now I have a returned check fee that I should not be responsible for. 

This is absolutely the worst service I have ever had from a mortgage company. And the fact that you can not speak to anyone when you call customer service is outrageous. I have always paid my bills on time and in full and now my credit is destroyed because this company can not operate properly.

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 2023-10-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX that lives at XXXX XXXX XXXX XXXX XXXX XXXX  is doing fraudulent activity and is scamming credit cards, scamming into many different bank accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more bank accounts it has to be investigated on behalf of my own accounts being scammed. 

money has been missing from my personal accounts and I want to report it immediately This issue have to be resolved before anymore accounts gets scammed.

Company response to consumer: In progress
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2020-09-29
Company: Lake City Credit
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX  XXXX in XXXX about the account they were attempting to collect and requested verification of the amount allegedly owed by way of billing statements and a show of how they got the to amount they claim. At the beginning of the year they claimed I owed {$9000.00} and have now increased that amount to {$9300.00}. From what I've read it is illegal for a collection agency to add interest and fees to a debt in the state of Texas and is a violation of state and federal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 2023-11-10
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a motel room through XXXX. After I checked into the motel, I discovered the room was not as represented. 

I have detailed the specific complaints in my attachment. 

The room should NOT have been rented due to the deficiencies, and no other acceptable room was offered. I filed a complaint with credit card company, because XXXX and the motel committed FRAUD and misrepresentation. Had the true characteristics of the room been honestly revealed, I would have located a different motel, but it was late when I checked in. XXXX also said no refunds would be granted if a booking was cancelled, for any reason. 

I explained the problems thoroughly and accurately in my communication with credit card company, CItibank. The response from XXXX was non responsive to my complaints. XXXX offered boiler plate, general, statements. I doubt anyone even read my complaints. XXXX is an agent of the motel, regardless of who committed the 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 2023-08-09
Company: KP ASSET CONSULTING LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company : KP asset consulting Has called my mother two times in two days and left 2 voicemails with my name in them and saying I have pending claims and if I do not respond they are threatening to show up to my HOME as well as my workplace. 

I do not know what pending claim they are referring to. To my knowledge I have not received any calls or anything by mail from this company. So it is not appropriate at all to be calling my mother and leaving voicemails or threatening to show up to my home.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-27
Company: RMS-Recovery Management Services, Inc.
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: Account information incorrect

Complaint:
Please describe this debt to me as I am not familiar with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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.

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 inructions 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 non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: MS
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:
They are reporting joint accounts of radiology. The accunts that I had previously was paid by an insurance company. As far as a joint account, this account can not belong to me. I do not have a joint account with anyone. ( 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 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I attempted to withdraw {$1000.00} from my account. The ATM did not dispense the funds to me, but my account was debited for the full amount. Returned to the B of A branch where it happened ( they are also the issuer ) and upon learning that it was an EDD card they coldly referred me to the number on the bank of the card ; the guy in the suit treated me like I was something he peeled off the bottom of his shoe. After calling several times, and being disconnected after waiting on hold for exactly an hour each time, I did manage to get someone to direct me to a supervisor, who seemed to disconnect the call beforeI could explain the issue and didn't call back. They have a rep verify all your info and transfer you, but nobody ever answers your call. I returned to the branch at XXXX XXXX XXXX XXXX XXXX XXXX and asked to speak to the branch manager or someone with compassion that would actually help me navigate the process and get some help. I was refused. I told them I would be waiting for the manager outside, and proceeded to picket with a large sign for 5 hours. Not one of the employees was willing to even engage with me, they would rather have me share my negative experience in front of their place of business. What arrogance? And how can they be allowed by the government to victimize people like this with absolutely zero recourse?

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 2023-09-25
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXXXXXX XXXX XXXX XXXX. Unfortunately, I had to return the XXXX XXXX about a XXXX later. I had paid XXXXXXXX XXXX payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXXXXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXXXXXX XXXX XXXX account and I never got my refund check for the over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: WELLS FARGO & COMPANY
State: TX
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:
XX/XX/XXXX my Wells Fargo credit card had balance of {$270.00} which I paid in full 2 days later. Unbeknownst to me they charge me {$25.00} dollar later fee and interest on that late fee for the next 2 months. I found this out when my mortgage refinance lender told me Wells Fargo reported me 30 days late. XX/XX/XXXX I called Wells Fargo and after several transfers and waits, XXXX told me she would fax a copy of the Rush Credit Dispute along with mention that the now waived late fees and subsequent interest will be credited back. This false reporting by Wells Fargo is directly affecting my finances. I consider this theft at this point. My refinance lender told me they did not receive anything yesterday XX/XX/XXXX as stated by XXXX. XX/XX/XXXX When I called to find out why no proof of service was sent like I requested I was told they could not do that. Well Fargo created this problem and wont send an email or communicate with another bank to help a decade long customer. I expect better service after so many years. I have personal and business account with them but likely will not any longer if they don't make great strides compensate me for lost time, money, and reversing the ill-effect 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 monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: MS
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 have yet to get a answer from Experian about removing these accounts that i never open or signed for

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