BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
on XX/XX/XXXX we wrote a check to XXXX for {$5000.00}. this check was sent to them, but someone intercepted the check and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX  realized the mistake and contacted the other account holder on this account. He then contacted Well Fargo bank, to let them know that this check was cashed fraudulently and filed a claim with Wells Fargo. He passed away in XXXX, so I had to step in to finish everything and when I called Wells Fargo they said that I needed to re-submit the claim which I did in XX/XX/XXXXXXXX XXXX Since this time I have been in contact with Wells Fargo looking for information on this claim and keep being told that they are looking into it and will get back with me. as of XX/XX/XXXX I still have not gotten any answers from them and they have not been consistent about returning my phone calls.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I need to pay my landlord using XXXX. I always used XXXX XXXX  but there's a {$2500.00} dollar daily limit. So I decided to open an account online with Wells Fargo since there is a bigger daily limit and set up XXXX. My wife sent me {$25.00} to test it. Wells Fargo decides to close my account for " identity theft '' and because of that I am now banned from using XXXX!!!!!! 

This is absurd. I work for FDIC, there is no identity theft. Now XXXX won't even allow me to use them for anything anymore because of what Wells Fargo did!

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 2024-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On or about XX/XX/XXXX, I call Bank Of America Visa credit card XXXX to get a balance owed in order to close my account. ( Approximately XXXX XXXX XXXX We sent a bank check for the full amount with tracking XXXX. It was signed and received on XX/XX/XXXX. It was not applied until XX/XX/XXXX. On or about XX/XX/XXXX I noticed interest charges only of approximately {$140.00} applied to my closed account. A supervisor forgave the interest because of the delay in processing. The next day I confirmed that by closed account had {$0.00} balance. On XX/XX/XXXX I received notification that I owed {$47.00}. The explanation I received except from the fine print was that when I asked to close the account I should have asked for amount owed plus interest. It has taken me a full XXXX  to XXXX  what I owed because I kept accruing interest and have no details on how they are calculating 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 explanation
Consumer complaint received 2024-01-02
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Citi Business AAdvantage Platinum card on XX/XX/2023 with the stated requirement of spending {$6000.00} for XXXX bonus miles. I met this spending requirement within 2 weeks and the bonus miles showed up on the first statement I received from Citibank. The miles from spend ( XXXX miles ) are now stuck in an XXXX XXXX account and I can't use them or transfer them ( even though the terms state that I should be able to transfer them if I have this card ). I also have not seen any of the bonus miles from the sign up bonus even thought I have met all the conditions of this spend. I have attempted to reach out to both XXXX XXXX and CitiBank and they each tell me to keep waiting and then blame each company. I have seen that this is an issue that many others are having and I would like to get this resolved as soon as possible so I can use these promised miles.

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 2024-01-03
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: Account status incorrect

Complaint:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2023-11-27
Company: Nelnet, 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:
I have called Nelnet numerous times. My student loan was transferred to them due to another loan servicer closing. I had my loans in deferment when it was transferred. Nelnet did not notify me that they started trying to collect on my deferred student loans. I got a letter in the mail saying they were 90 days late and I was flabbergasted. This is predatory. They did not even tell me over the phone what the payment amount was, what they say was past due, or who authorized them to start repayment on a loan that was deferred. This is a problem with their transfer and mismanagement of my loan. Please update the accounts to NEVER late. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ). This needs to be investigated. I thought Biden put protections in place to prevent this! Shame on Nelnet. I disputed with the bureaus and Nelnet did not even respond- they provided no proof. I feel so violated. 

NELNET - XXXX NELNET XXXX XXXX NELNET - XXXX NELNET - XXXX NELNET - XXXX NELNET XXXX XXXX NELNET - XXXX NELNET - XXXX NELNET - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
- vehicle total loss XX/XX/, which constitutes a material change in the consumer finance contract. 
- lump sum insurance payment to lender XX/XX/ left deficiency on loan. 
- NC contract law requires notification of deficiency following such material change - NO notification of deficiency was provided by lender, therefore the deficiency was unknown to borrower ( me ) - as soon as deficiency was made known to borrower ( 60 days after the fact via adverse reporting to credit bureau ) payment was immediately rendered to lender

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 2024-02-05
Company: CITIBANK, N.A.
State: MA
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:
Citibank , N.A . Denied my dispute for a refund for charges to my Citi Card for service not received. ( a trip canceled by vendor ) History of dispute with Citi Card : XX/XX/XXXX I filed an initial claim with Citi ( R ) Cards ( referred to as Citi in this correspondence ) XX/XX/XXXX letter from Citi requesting additional information regarding this claim XX/XX/XXXX letter from Citi stating they are reviewing my claim INTERIUM : Numerous correspondence and phone conversations with Citi stating they are working with the vendor to obtain credit XX/XX/XXXX Denial letter saying, Based on the time that has passed since you canceled the services, we have no option to obtain a credit on your behalf Incorrect -see attached. 
Time passed because of my efforts to settle with the vendor, and the vendor canceled the service, not me. 
XXXX months passed with Citi denying me a refund for services I never received. a trip! 

The original trip was on XX/XX/XXXX -the start of the XXXX pandemic and the travel shutdown. The vendor rescheduled the trip ( to XXXX ) to XXXX. Pandemic restrictions continued. The vendor shut down travel to XXXX and replaced it with XXXX XXXX XXXX trip in XXXX. The ship being built-not finished-trip was postponed to XX/XX/XXXX. Shipbuilding delays resulting from the pandemic- postponed to XX/XX/XXXX - again postponed until XX/XX/XXXX. Less than XXXX hours before my planned departure on this trip, it was canceled by the XXXX through an email ( see attached ) I immediately requested a refund from the vendor and made multiple attempts for almost two months, but no refund was issued, and I learned that the XXXX had declared bankruptcy on XX/XX/XXXX. Within 60 days of realizing my efforts to get a refund from the vendor were futile, I filed a dispute with Citi ( R ) Cards for services paid on my Citi Card but not received. I provided Citi with all the information requested regarding this claim. On XXXX XXXX, a denial came from Citi for erroneous reasonsCiti knew services were canceled by the vendor, not me, and the delay referred to was caused by my multiple efforts to secure a refund from the vendor. 

Taking due diligence and actively pursuing a refund from the vendor, as recommended by Citi, to pursue a refund before filing a claim with Citi is being used by Citi for denial of the claim. My effort to follow directions, taking time to get vendor refund, delayed my filing a claim with Citi and is being used as a reason for denial. I paid Citi XXXX for a service I did not receive. This situation started with the pandemic, which provided very different circumstances, and in good faith, I followed the instructions to resolve this issue.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
This complaint is in regarding to trying to get my free annual report from Transunion. I started in XX/XX/XXXXXXXX   trying to access my report via the free annual report website, and also via a third party monitoring service and was told they were unable to retrieve the report. In XX/XX/XXXX I begin to try to access my report directly via Transunion 's website and kept getting an error message saying my request could not be completed. I asked for a hard copy of my report via mail around XX/XX/XXXX. I called on XX/XX/XXXX because I had not received my copy by mail and was told that there is no credit file on record for me. After being hung on at least 3 times, I was then told that there was an error on my file and there were " multiple '' files on record for me and they needed to be combined. So how do I know the information is correction. 

My call was escalated to a manager by the name of XXXX ( File # XXXX ). She supposedly was submitting a maintenance request to merge all of my files in order to give me on-line access to my report. This is unacceptable to me because I have attempted to apply for various things that require accessing my credit report and have been denied. How do I know my denials were not in reference to incorrect information an/or an outdated credit report. I am not sure if what XXXX does or doesn't do will resolve my issue, but as a consumer I have been denied access to my report for over 60 days. At the end of our conversation she said it would still take XXXX business days for my problem to be corrected. So I am still having to wait another week to see what is on my report, which I am sure is VERY 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 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent error and inaccuracy. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of 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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: NJ
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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 explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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

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 2024-01-29
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in supporting document Please provide me with : 1. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief