BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA 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 XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2021-01-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Federal Student Loans Reporting on my Credit Report XX/XX/2018 {$2300.00} XX/XX/2018 {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have had a credit card or line of credit with Wells Fargo for installation of floors with XX/XX/XXXX.. I began this relationship in 2014 whereby I replace the first sets of floors on the level of my house. The cost was approximately {$3200.00} with an intertest rate of XXXX and monthly payments of {$140.00} for 48 months. When I have paid off more than 1/2 of the balance, I would call for the next stage of replacing floors, that was an additional {$2000.00}, with the same rate and monthly payment. This year I called for another phase of floor replacement. This time the cost was {$3900.00}. I signed the same paperwork. 
I recently received the monthly payment with a totally different payment plan. 
The payment went from $ XXXX $ XXXX/month with an interest rate of XX/XX/XXXX %. I contacted Wells Fargo by e-mail and phone and inform them that that was not an agreement with XXXX XXXX. ( written or verbal ) Wells Fargo does not have any agreement in writing for the change in payment and interest. I have NEVER been late or missed a payment, my credit score does not warrant such an increase. XXXX XXXX did not inform me of the increase and or change in payment or interest rate otherwise I would not have agreed to the flooring.

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 2019-04-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a Chase Card Services - XXXX XXXX credit card account in XX/XX/XXXX, and purchased approximately {$800.00} in 2 weeks on it - nothing purchased afterward. I forgot about this card. 
The FIRST bill I received wasn't until XX/XX/XXXX! I called them right away to try and reduce the charges and pay off the account balance. I was told I need to wait a week and do this during the next billing cycle. I made a {$200.00} good faith payment right then. 
On XX/XX/XXXX, I talked with a supervisor on a recorded line. She told me that if I paid {$600.00}, then the account would be paid off, and I would owe nothing further. I asked her again if I would owe NOTHING FURTHER if I paid this amount and on a recorded line she repeatable assured me of this. 
The next month, I got a bill ( for something less than {$100.00} ), and called back on XX/XX/XXXX. I talked with another supervisor, XXXX, who cleared the charges and told me I OWED NOTHING. He also repeatably assured me on a recorded line that I OWE NOTHING FURTHER. 
I now have a new bill for {$49.00}. I called on XX/XX/XXXX and talked with XXXX, who said she could do nothing for me. 
After being lied to at least 6 times, and told at least that many times I owed nothing further, but I keep getting bills, Im contacting you for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The company refused to mail statements Billing information or reminders. I exhausted due diligence without success. 
The I was told my pants weren't received through their ach XXXX system when funds were purposely left in and available per our agreement. Upon making several inquiries I was finally told to mail money orders to which I never received credit even after sending copies of money order history from purchase of money order. Theny requests were answered by : it's not our problem!!! We don't send statements, reminders, or any billing. My payments were being made available money orders never received and I stopped and refused to continue paying without some form of accounting!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
So many overdrafts and money come in every month I'm on fixed income and I'm XXXX unable to work so fees come in and posted to my account and eat up all my bill money and food I am a XXXX XXXX  of XXXX and my XXXXXXXX XXXX XXXX  I can't afford and I been with them XXXX and just last XXXX  years fees been outrages

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 2021-01-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.

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 2021-10-13
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: Was not notified of investigation status or results

Complaint:
It has been more than 90 days that I have been trying to get some information updated and removed off my credit report. This is a violation of my rights and need to be removed immediately. Ive been in contact with the credit bureaus for over 90 days and no feed back on my status nor any updates or removal. Please update information immediately for it is not mine.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I believe the company engaged in fraudulent practices regarding my home mortgage.

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 2023-02-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Midland Credit Management summoned me a XXXX XXXX case no. : XXXX on XX/XX/2023 at my XXXX residence and they put me as one of my employees- XXXX XXXX XXXX XXXX They required to serve an Answer to Writ on Midland Credit Management , Inc within 20 days. Since I dont have any idea of what is happening, I dont feel comfortable to provide all her personal information to them. However, if I am failed to do so, XXXX XXXX will be the one to take care of the loan. This is absolutely ridiculous. I would like to officially file a complaint against them. Thank you so much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing the files, it comes to the attention that there is an Error information appear regarding about a XXXX, XXXX Account number XXXX with balance of {$850.00} incurred, I have no acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission. According to Fair Credit reporting act, section 609 ( a ) ( 1 ) your company is required by federal law to verify through the physical verification of the debt balance of the original signed certified consumer contract of any all accounts you request to be posted and or reported on credit report. Within consumer rights to demand a copy of the verifiable, validated proof of an original consumer contract with wet-ink signature on it, copies of copies are not validation and by law are not considered as proof. Under FCRA, unverified, invalid accounts must be Remove upon receipts of this notice within 15 business days.

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 2021-01-08
Company: Experian Information Solutions Inc.
State: NC
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 canceling credit monitoring or identify theft protection service

Complaint:
It is very difficult to get to a live person at the three credit bureaus, Experian, XX/XX/XXXXand XX/XX/XXXX. Sometimes there is a question that can not be answered using the automated answering system or FAQs. Senior Citizens, especially, have extreme difficulty using the automated phone systems and using online websites. They often just want someone to talk to. There needs to be a straight forward way to achieve 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 2022-04-27
Company: WELLS FARGO & COMPANY
State: IL
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:
On XX/XX/XXXX, my payments to Wells Fargo was on auto pay with a paper check from XXXX payments each month towards the credit card at Wells Fargo account number XXXX Wells Fargo XXXX credit card account that I established last year Ive been making payments every month Unfortunately they change their mailing address so the payments from On my account at XXXX, see XXXX letters stating I made payments to Wells Fargo in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX When I called our contact Wells fargo they were not very helpful and they wouldnt talk to XXXX to verify this and they were not gon na do anything for me so thats why Im going to you guys because this is unfair and has hurt me financially with Wells fargos bureaucracy and not really giving a XXXX about me! See the documents Ive attached proving I made payments to them that they were return to XXXX uncashed. 

Unfortunately Wells Fargo was returning my checks and didnt cash in them even though im making payments to them they did not credit my account and therefore I was delinquent they never contacted me to tell me this until shortly where I get a credit report from XXXX XXXX showing me negative information basically my credit score dropped XXXX points when this was reported on XX/XX/XXXX that I was 30 days late and then 90 Days late to XXXX XXXX 



I tried calling Wells Fargo with no success and I feel like Im getting the short end of the stick because Ive been making payments since I started the loan in XXXX, XXXX, with success in WellsFargkand they were getting my payments and then all of a sudden the address changed and they werent cashing my checks so I feel this is unfair since Ive paid them off and they have this report of misinformation, please see the documents Ive attached showing I made payments every month to the Wells Fargo XXXX credit card 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 2023-03-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/XXXX - Experian credit report shows XXXX twice for the same student loan accounts. One listed for $ XXXX the other for $ XXXX, with Experian stating I have $ XXXX in student loan debt. I have $ XXXX per the Dept of Education and XXXX. 
Same day I contacted my acct rep with XXXX, he stated one will fall off give it a month. 
Same day I filed a dispute with Experian on the $ XXXX, denied it. Verified with the Dept of Education no one called or placed a verification request for total amount of distributed student loans.The person handling the disputes states consumer doesnt agree with FFCRA. Never mentioned FFCRA as I have no issue with 0 % interest yet but yet now I owe more money since XXXX. XXXX is charging me {$50.00} a month to service my {$0.00} payment plan, yet my interest went up when it should be 0 % from XX/XX/XXXX onward through I believe XX/XX/XXXX. 

XX/XX/XXXX - Both the $ XXXX and $ XXXX student loans are still showing on my Experian Credit Report. Placed a dispute with Experian again, this time under the $ XXXX, sent in documentation to include a print out of my last XXXX statement and a screen shot of the owed amount per the National Student Loan Database, and the Dept of Education with explanation that they are showing the same accounts with two different amounts combining them for total student debt of $ XXXX which is incorrect. 

I send an email to my account rep at XXXX XXXX he calls me back from the East to West Coast, drunk at XXXX XXXX PST, to assist me. Basically said XXXX can not speak to Experian and that yes it is wrong on the Experian credit report as I sent him a screen shot. He suggested what I had already done that is to dispute it. 

XX/XX/XXXX - I called Experian they said no I have the debt of $ XXXX, and opened another dispute on-top of a dispute. They gave no information on how they verify my student loans and refused to acknowledge that the same accounts are listed twice under the same account number ( s ). I advised it is impossible to take Federal Loans out for an XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX - pulled my XXXX  and XXXX credit reports to confirm they are reporting correctly of $ XXXX, sent info to Experian and updated XXXX. 

XX/XX/XXXX - Experian dispute remains unchanged, stated they spoke with the student loan servicer and that the information is correct. Problem is they are verifying one account because you can not combined the two open student loans together, not resolving that these are listed twice. 
Filing a complaint.

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 2022-11-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing items on my report since XXXX with no prevail. My credit score dropped because an account that is a charge-off ( after 120 days ) is still reporting open on 2 of the 3 Bureaus. This had affected my credit score significantly. Please help me fix these issues. I know they are in violation of my rights, but NO ONE will fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have been using this Capital One credit card since XXXX and have been on an auto-payment set up for the full due amounts every month. For the month of XX/XX/XXXX, I had a bill for {$2100.00} due on XX/XX/XXXX. 

In order to utilize the mileage rewards, I tried to make early payments, then I realized the reward would not be updated until one month after the payment. So, I canceled the one-time payment and reinstalled the auto-pay. Apparently, the auto pay was reinstalled for the XXXX bill, not for the XXXX bill, which I didn't realize 12 days after the due dates. XXXX XX/XX/XXXX, I checked back the website and was shocked to see the autopayment was not made for XXXX. so, I made the payment right away. 

On the XXXX bill, there were one late charge of {$25.00}, one interest charge of {$46.00} and another interest charge of {$22.00} for messing up the XXXX autopayment set up. Since I have been paying the total due amounts every month with the auto-pay setup since XXXX, I expected a one-time waive of the charges. The agent understood my situation and tried to remove the charges but was only able to remove the {$25.00} late charge and one interest charge of {$22.00}. He could not remove another interest charge of {$46.00}. I could not understand why there were two different interest charges for one 12-day late payments. When I got connected his manager XXXX, he also understood my situation and tried to remove it. But again, he said his system did not allow him and if he can not make the adjustment, no one in his company can make the adjustment and I have to pay the interest charge of {$46.00}. 

XXXXe additional issue is that I don't understand how the interest charge of {$46.00} ( dated XX/XX/XXXX ) and {$22.00} ( dated XX/XX/XXXX ) were estimated after the payment was made on XX/XX/XXXX. The XXXX is 15.65 % based on the contract. Thus, the annual charge to the due amount of {$2100.00} would be {$340.00} ( = $ XXXX*15.65 % ), which is {$0.00} per day. For 12 days, the interest would be {$11.00}, compared to the {$68.00} ( $ XXXX {$22.00} ). I understand that my simple manual calculation may be off a bit, but the charged amount is more than 6 times. 

Therefore, I would like to file a complain to Capital One that they charge too much interest on late payments ( or they do not explain clearly how the interests are estimated ) and their system does not allow to make adjustments on charges even if the billing department agent and his manager agreed to do so. 

Thanks for reading this!

Company response to consumer: Closed with non-monetary relief