BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Chapter XXXX Bankruptcy XX/XX/2021 To Whom It May Concern, Your company is currently reporting a negative listing regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.

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 2019-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Bank of America has done nothing but hesitate and provide misleading information and because of theyre long process customers such as myself are losing money. On XX/XX/2019 I filled a claim against a particular merchant ( XXXX ), they heard of my action so the merchant decided to cooperate and entitle me to a full refund. In order for me to be subject to any refund the merchant was very specific, # 1 i would need to stop any dispute with my bank ( which i did do ) and # 2 a letter from my bank stating that no case was under the specific merchant ( XXXX XXXX XXXX ) anymore moving forward. I follow the step, call my bank, wait and verify through the IVR system that transfers me to an agent, the first agent couldent help me i so got tranferred to the second agent and the second agent advised me she/he would do what she can and when all is said and done all i got was a letter stating " thank you for your inquiry regarding claim # XXXX ''. I called them a second time and explained my situation and what i needed but first i have to call the 1800 number, wait in line, wait for an agent to transfer me, the first agent cant help so i get transferred, agent cant help so i get another transfer to the XXXX who advises me it'll all be taken care of. I cooperate and wait for my letter. I am attempting for the third time to see if they can get it correct this time. XXXX XXXX XXXX will not issue any refund until my bank ( Bank of America ) cooperates, all the agents reply " I dunno who I can contact for that '', " oh ill see what i can do but i cant guarentee anything '', " my system wont allow me sir its down, youll have to go to a branch '' and the branch expresses the exact same words " oh try calling the 1800 mumber '' " I dont have acces to that sir call the 1800 number. Bank of America has kept me in this loop for nearly 2 months now. Please help me CFPB, Bank of America is causing nothing but hassle and sorrow for its customers and are making alot of people very unhappy. They're system doesn't work.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is just disappointing! Despite the previous attempts to correct my Credit File by updating and or removing the disputed accounts on my Credit File, the Credit Bureaus have been doing nothing! While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. There a lot of erroneous reporting being done on my Credit File which is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to please have investigate and remove or correct the disputed accounts completely from my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to please notify me when the items have been updated or deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address listed 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 2022-08-31
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management ( according to my caller ID ) has been calling me non-stop since XXXX. After receiving the first call on XX/XX/XXXX at XXXX PM, I sent Midland Credit Management a cease and desist letter specifically asking them to stop the phone calls. I mailed that letter to their address which I found on XXXX. Since then, I have received countless calls from them which are in direct violation of the FCRA - especially the call I received while I was in CHURCH on SUNDAY, XX/XX/XXXX at XXXX. This is pure harassment at this point. I have retained all phone calls and am weighing legal options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
today XX/XX/XXXX I had a company XXXX XXXX from Delaware call and tell me I owed a debt to Wachovia. They said that because they have my current address and information ( none that I supplied and they willingly gave out with no proof of who they were speaking to I just yes'ed them through the info ). I told them this was not my account and they said since you live at the address and they provided id we know it was you. I said I have worked in XXXX  and many people opened fraud accounts with people 's info and fake id 's. They said who uses the same address well I have seen that before too. I used to work XXXX  specifically for XXXX. They flat-out refused to send me out proof of the debt and wanted my email. I refused I said for what so you can say you know it's me because you also have my email. So I made an email just for them since they were so insistent on an email and refusing to send it. They accused me of making a fake email. I said the email is not fake it is an actual email I set up for you. I asked for proof that I and the Co acct holder set up this account and they refused. I said this is not my account I did not open an account with Wachovia in XXXX. I just need proof it is mine and they proceeded to threaten me that they are going to take me to court and they are going to cancel all my bank accounts and they are going to charge me all these additional fees multiple times even when I told them I did not see their email on the XXXX email account. They said they refuse to put on my account my statement that I am stating it is not my account and is fraudulent I told them that is oppression but they did not care. I told them I have not received anything from Wachovia on this at all. I do not know anything about this. They said they do not care if I receive the info today they will be referring my info to a lawyer and all these things will happen to me. They said I can ask the lawyer for proof it was my account and I can then have to pay all the extra fees. They also stated that they refused to enter my statement of the fact that I said this is not my account and that it was a fraud and was requesting proof that this account was indeed my account such as the paperwork showing I opened the account with my id.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: VW Credit
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Sued Audi for brand new XXXX XXXX that had over 15 service appointments spending months in service over the course of just 13 months of ownership. Audi agreed to lemon the vehicle, and just as this happened a repossession took place. When I spoke to accounting, I was told I had to pay balance in full of XXXX to have the vehicle returned to me even though they were aware of the lemon statutes. I would have paid the XXXX owed to cure a past due balance. I HAD never defaulted before. Had great credit, finances and verifications for everything when I purchased. I recieved horrible treatment and discrimination when I purchased but I needed the vehicle so I proceeded. Audi Financial sold the vehicle. They never contacted me. My rights were violated. And this needs to be wiped from my record or required to be reported positive only. I paid on time until I became dismayed and Desponded with such an expensive nightmare. My car had no air condition in CA, 120 degrees with the system fully blowing! Brake issues, car would stop unexpectedly, fluid leaks, sensor failures, just to name a few issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2020-06-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX -- 30 DAY LATE FOR XX/XX/2018. THIS COMPANY FAILED TO VALIDATE THE DEBT. UNVERIFABLE ITEM.

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 2023-10-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo. Closed credit card suddenly " reappeared '' and generated fees, had a fraudulent charge from " XXXX ''. Neither the card nor statements were accessible to me on the website nor on the phone app. I called and discovered this card is generating interest... I paid it off and disputed the transaction. Nothing got disputed and I continued to not be able to access online statements regarding this resurrected card. 

I tried closing my Wells Fargo savings account and sent ACH withdrawal request to my linked bank with the next business day transfer. Instead of the transfer out, they magically transferred that amount IN! And then froze it. Nothing is moving in or out and I'm not able to close this account which is generating maintenance fees... The customer support is backed up and can not cancel this transfer... I just can't seem to be able to free myself from this horrible bank. 

In the past they also made me pay 6 months for a " deposit box '' in another state that they refused to close. They just constantly do this kind of stuff... I would like to see that bank stop its existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband lost his job last year with covid we asked US BANK to put us on a forbearance plan. We missed 3 payments he found another job and we called and asked for them to stop the forbearance. We started making payments in XXXX. They sent us the documents to finish the process we sent them back never heard from US bank until we got threating letter about foreclosures etc.. we called them they said it wasn't notarized so they threw it out. They sent another packet we never received in XXXX we called they told us to go online and submit the app that way so we had a lady on the phone walk us through the application. Never heard again from US bank XXXX we called they said there backed up and will get to it. XXXX we called got another run around were backed up there's nothing we can help you with its with an under writer now etc ... XXXX again were trying to refinance the mortgage my refinance company got involved with them and all they did was put us on another forbearance until XXXX. That is not what I wanted in the middle of all this I have been making my payments fighting with them to resolve my forbearance and put the interest free loan on the back of my mortgage and give me my new payment plan. They give us the run around every time and will not resolve my account. I have contacted their social media they have pushed it to the higher ups still haven't heard from them. I have been fighting to get this resolved for 5 months now and I'm not happy how US bank has handled it. I have done everything they asked by submitting paper work paystubs mailing back the paper work going online and submitting docs. They have never once reached out to me to resolve the issue. I have called every month on this with no resolution. US BANK is the worst bank ever!!

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 2023-06-06
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: 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 explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX  DELAWARE XXXX .... Balance : - XXXX XXXX  XXXX XXXX XXXX .... Balance : - XXXX XXXX  XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-16
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I got a loan through XXXX which the loan is through Global Lending Services they h keep reporting on my credit report late payments which I sent a letter to them explaining that late payments on a consumer report is illegal and fraudulent and they need to delete it off my credit report from all credit bureaus all they sent me is bills and what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-10-07
Company: EQUIFAX, INC.
State: PA
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:
Unauthorized inquires. I have not signed any documents authorizing these companies to pull my credit which means they are in violation of the fair credit reporting act Section 1681b ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase have had my account froze for XXXX weeks now ever since I deposited a cashiers check in my business account. The XXXX check cleared and was paid on the XXXX but their teller me they need to speak to the maker to make sure its a good check. The maker of the check also has chase, meaning they should be able to contact this person with no problem. So basically my account have been restricted for XXXX weeks and their telling me if they dont talk to the maker my account will automatically shut down in XXXX to XXXX business days. The check was paid out on XX/XX/XXXX so why am I suffering because they cant contact the maker?

Company response to consumer: Closed with explanation