BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Since I have applied for a Home Loan Modification Request with Wells Fargo Bank last year XX/XX/XXXX, I have had nothing but Series of Delaying Tactics from Wells Fargo Bank and Administration to process this request. I have submitted all the documents required each time as requested only to find out they are never satisfied and they keep requesting for more new documents each time for almost 1 year! The latest request was dated XX/XX/XXXX and XX/XX/XXXX. All documents requested have been submitted to Wells Fargo Bank and Administration. They threaten to remove my Home Loan File from the " Modification Attempt '' by XX/XX/XXXX and Foreclose our Home with my XXXX son. 
Wells Fargo Bank continues to be unreasonable and intimidating consumers like myself. 
I have sent several requests respectfully for your kind assistance to help me and my family with this extremely long modification process to please process as soon as possible. I feel that my family and I are being discriminated and retaliated upon because of our National Origin as Filipinos. Wells Fargo Bank and Administration is going to Foreclose my home like it happened to me in XXXX  as with several homeowners in California and the USA. Sadly this big institution continues to hurt consumers like myself who are simply trying to keep our home affordable. 
Wells Fargo Bank and Administration are retaliating because I have filed many Federal Government Complaints since XXXX. 
I will have no choice but contact the National and local medias like XXXX 60 Minutes or 7 on Your Side regarding this Discrimination and Retaliation. 
Did the Wells Fargo Bank and Administration and their Law Firm make XXXX XXXX XXXX, the Home Mortgage Specialist purposely send me an email ( XXXX ) threating to terminate the Home Loan Modification request? How SAD that such an injustice is being done to us. 
Recently the US Govt. announced a new Federal Program " The Homeowners Affordability and Financial Stability Plan ''

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 2023-09-13
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:
old address did not live in 2 locations i did not close those 3 XXXX ok i was not aware consolidation was going to destroy my credit i was not aware that i was not going to get negative scores I was not late the company XXXXXXXX XXXX held back payments that i made to them they were negotiating with XXXX but i made my payments on time & XXXX XXXX lowered my credit amount because of 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 non-monetary relief
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reviewed my account and there is unauthorized inquires. I don't recognize the inquires. 

XXXX. ) XXXX XXXX - XXXX # XXXX XXXX. ) XXXX XXXX XXXX S- XXXX # XXXX XXXX. ) XXXX XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX Premier- XXXX # XXXX XXXX. ) XXXX XXXX XXXX- XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In XXXX i called trying to work something out on a charge-off account, the rep was very blunt to the point and no care with helping me. In XXXX, my mother called as a " co '' on the account, and they tried to get more money out of her through the negotiation process as seeming to be deceitful and ill- intentioned. I 've called a few times after, and when i address the issue, I 'm placed on a ridiculously long hold. Today i finally got a rep on the phone, and he was more interested in capitalizing on the situation of me wanting to resolve the debt with him, than getting me to a supervisor. It seems as if they are a collection agency chop-shop, instead of a professional collection office. I have a family member that actually worked at the company previous and told me that ALL representatives could have been a lot more reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Im submitting a complaint in reference to XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting my auto loan account as open. This loan was paid off by the insurance company on XX/XX/XXXX. How can they report an open account with no monthly payment amount listed? Also the open and term dates are reporting inaccurate. They have it listed on XXXX : High balance {$15000.00}, Current balance : {$14000.00}, payments made : {$1400.00}. Report date XX/XX/XXXX, Open date XX/XX/XXXX. Late payments {$0.00}, their reporting as over 120 past due. So within a two year timeframe, their saying I only paid {$1400.00} towards my balance. This is an auto loan not an revolving line of credit. Each credit report is reporting something different. I will attach a screenshot of the reports to support my claim. I would like this company to be removed of all three of my credit reporting agencies. Then see attached documents I have lawyer office saying I owe them for the same auto loan.

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 2023-05-12
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a rental property and, they used Equifax to complete a tenant screening. The credit agency included false criminal information in my record that didn't belong to me. There were multiple cases that weren't mine, the people that were involved shared the same name as me. This type of confusion causes a lot of problems when applying for rental properties and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT 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 2022-12-15
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:
ACCOUNT # XXXX XXXX  XXXX XXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN 45 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 non-monetary relief
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a rental property and, they used Transunion and XXXX to complete a tenant screening. The credit agencies included false criminal information in my record that didn't belong to me. There were multiple cases that weren't mine, the people that were involved shared the same name as me. This type of confusion causes a lot of problems when applying for rental properties and etc.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX  Balance : {$690.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Thanks, I spoke with a rep at Mercedes Benz Financial at the beginning of XXXX to make my payment for XXXX. The reason I called was my bill was significantly higher than usual. I asked him point blank why was my bill so high this month and after XXXX mins on hold he came back and said I'm not sure actually because you made all your payments on time for the last XXXX years and the lease ends next month and don't see a reason for it at all. So after further review he found out that there was XXXX months from the beginning of the lease that were in deferment during covid when my mom was in the hospital XXXX. So the man said to me on the phone " JUST PAY THE MINIMUM DUE RIGHT NOW ' {$670.00} and the XXXX month when you were in deferment can be paid when you turn your vehicle in to XXXX. I replied great thanks for your help. 

Now after making my XXXX payment of {$670.00} I find out by logging into my credit report that they put a late payment on my credit for the XXXX months of deferment. This is BS and I tried very nicely to tell the manager that I would be filing a complain and fighting this tooth and nail until they click a button in E-Oscar and remove the late payment that " THEIR REP ON A RECORDED LINE SAID THAT I DIDNT NEED TO PAY UNTILL I TURNED THE VEHICAL IN " I made XXXX months payments on time and have a XXXX XXXX XXXX. I have never missed a payment on my credit and it is certainty not because I forgot to make a payment or didn't have the funds to pay it. Please help this means the world to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions 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:
Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Failure to Comply or delete these items below XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

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 2021-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a savings account at Chase in the middle of XXXX. I deposited {$600.00} into it. A few days later I wasnt able to access the account, so I called and they said they were closing my account and a check would be sent out in XX/XX/XXXX. After 2 weeks of not receiving the check I have gone into a chase branch 4 times to either verify my address, identity, or get an update as to where my check is. It has been just about 2 months and I have not received my money and I have not heard from Chase Bank in over a week as to where my money is or when I am getting it. I have done everything Chase as asked me to do but I have still not received my {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I submitted a payment voucher from my XXXX XXXX XXXX award in the amount of {$460.00}. As per the process concerning these types of payments, XXXX then submitted a request for verification of my account, which was received by XXXX  on either XX/XX/XXXX, orXX/XX/XXXX. XXXX   then verified to XXXX my account with them. OnXX/XX/XXXX, payment in the above amount was submitted via first class mail to XXXX This payment was received onXX/XX/XXXX.

In the subsequent weeks, this payment has not been applied or credited to my account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called XXXX to inquire as to what I should do, since my account was showing a past due balance. I was informed each time not to worry, and that no subsequent payment would have to be made since the payment, when processed would be back dated toXX/XX/XXXX I was assured by each representative that I spoke with, including one supervisor, that this payment would count toward as a qualifying payment under the terms of my student loan forgiveness program. Under the direction of XXXX  and its representatives, I have not made another payment for XX/XX/XXXX, even though my account now states that I am fourteen ( 14 ) days past due, and at risk of not having made a qualifying payment for XX/XX/XXXX.

I am beyond frustrated. I am concerned, angered, and demand that the payment I made, be credited to my account. I do not understand how XXXX  can take this long to process a payment. In waiting, I have been caused a great amount of emotional and mental fatigue. This payment is constantly on my mind, and has caused me to lose weight, sleep, and is beginning to severely effect my physical health. I demand that this payment be credited to my account, and that XXXX   apologize for this indefensible delay,.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My consumer credit card account with XXXX XXXX has reported a late payment on. I have called XXXX XXXX to confirm that the payment was indeed not late and this information is reported inaccurately. 

Please remove the late payment from my account.

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