BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : U S DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 2023-07-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was payed today ( XX/XX/2023 ) by my job direct deposit to my Wells Fargo account of {$1000.00} but i had an overdraft of - {$110.00} so that left me with {$900.00}. I just checked my account around midnight to make a money transfer to see i now have an available balance of {$1.00}. In my transactions it shows XXXX took {$900.00} in four different transactions that were all unauthorized. I dont know how this happened but please i need help in getting my money back its all i had and i have to pay bills, please.

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 2023-05-02
Company: Bread Financial 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:
COMENITY BANK IS REPORTING INACCURACIES ON MY CREDIT REPORT!!! The original issue I had with Comenity Bank is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. The account was removed from XXXX but still listed on both XXXX and XXXX. I am demanding that Comenity Bank and all three credit bureaus remove this debt immediately or I will take further actions against them and their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Sunlight Financial LLC
State: VA
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:
I was a customer of XXXX XXXX who went out of business. They sold aolar panels. Sunlight financial is who the loan was put through. XXXX XXXX went out of business before they completed my install, set and activation. I am not on the grill and am still paying a full electric bill. I can not afford to pay my electric bill and these panels that is not operating on my behalf. They continued to call me for money and told that they might have to report my debt to the credit bureau. They have failed to help me with getting on line. And is still charging interest on this loan. I gave them XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing to formally report an incident of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from TransUnion, and I discovered several unauthorized accounts and transactions that I did not open or authorize. This is a matter of utmost concern, and I am seeking your assistance in resolving this issue. Please find below the details of the fraudulent accounts DPT EDXXXX XXXX Remove these fraudulent accounts and any associated negative information from my credit report as they are not a result of any legitimate transactions I have made.

I understand that this process may take some time, but I kindly request that you keep me informed of the progress and any actions taken to resolve this matter. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXXXX/XX/XXXX payment history wrong XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX XXXX history wrong for all 3 credit bureau XXXX  XXXX XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$620000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}

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 2023-07-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complaint against Wells Fargo and XXXX XXXX XXXX. 

My mortgage loan was transferred from Wells Fargo to XXXX XXXX in XX/XX/XXXX. Prior to transfer of my mortgage, my account was current with Wells Fargo. 

When my loan was transferred 10 months of payments to Wells Fargo " disappeared '' and/or were misapplied by Wells Fargo and did not port correctly to XXXX XXXX . Wells Fargo mortgage continued to assert to me that all my information was correctly ported over to XXXX XXXX. 

XXXX XXXX refused to talk to me because I was in a XXXX XXXX bankruptcy. However, behind the scenes they " ingested '' {$10000.00} worth of mortgage payments, applied them to my account, and then " reversed '' them from my account. Despite months of my pleading to XXXX and Wells Fargo, XXXX XXXX took me to XXXX XXXX Court to request a stay from relief so they could foreclose on my property at XXXX XXXX XXXX. 

I am attaching documentation showing my monthly payments to Wells Fargo including paying escrow shortages between XX/XX/XXXX and XX/XX/XXXX. Between fall of XXXX and XX/XX/XXXX, I was in a XXXX XXXX federally-sponsored COVID forbearance of my mortgage. 

I am filing a complaint regarding Wells Fargo misapplication of funds paid toward my mortgage and for not correctly transferring my payment history, monies paid, and account records to 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 2019-06-11
Company: EQUIFAX, INC.
State: MA
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:
To Whom it May Concern, In 2013, I was convinced by a salesperson at XXXX to apply for a store card in order to receive a discount on clothing. I was told that I would receive the card in the mail. The card was never arrived, nor did a bill or any form of communication from XXXX for several months, until I received a letter from the debt collection agency, XXXX. Although it was sent to my address, it was directed to someone with the last name of the street I live onXXXX XXXX ( addressed to " Mr. XXXX '' ). 

I called XXXX to complain, and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years, my credit report continued to show both XXXX and XXXX, preventing me from applying for any type of credit card or loan due to " serious delinquency. '' I made another attempt in XXXX to contact XXXX ( since the account was in their hands ), and spoke with someone in upper management. He apologized on behalf of XXXX XXXX  actions, agreed to close the account, and to contact XXXX XXXX, Equifax, and XXXX have it deleted from my report. This was successful, but my score strangely dropped 80 points. I then called all three credit bureaus and was offered no explanation to why this happened. They suggested to contact XXXX, which didn't make logical sense to me. However, I took their suggestion and explained my situation to an individual at XXXX over the phone that XXXX closed the account and asked that XXXX, once and for all, remedy their error and contact the credit bureaus to delete the error from their end. I called XXXX back to check the status two weeks later and was told by a different individual XXXX had indeed sent the three bureaus a letter requesting that it be deleted. Yesterday I received a letter from XXXX XXXX addressed to " XXXX XXXX '' ( XXXX XXXX ) stating that XXXX was unable to close the account or request that it be deleted without any explanation. 

I feel that what I have gone through, for six years, is most unfair and unprofessional. I am a XXXX XXXX who supports XXXX children. I make regular monthly payments on a mortgage and car. My credit score and report have suffered because of a simple, clerical error that was never remedied by a clothing store. 

Thank you for your attention, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have made several attempts to contact Affirm regarding the loan they have continuously charged me for in regards to a purchase I have made on XXXX. The return was initiated on XX/XX/XXXX and XXXX confirmed they have received the items on XX/XX/XXXX. After several phone calls going back and forth between XXXX and Affirm, I was asked by Affirms customer care to send the proof to their email on XX/XX/XXXX. On the same day, I have sent Affirm an email with attachments showing proof of the return as well as my conversation with XXXX again confirming that they have received the items. They have taken a total amount of {$200.00} for items I no longer have and have yet to even refund me my money. It has been almost a month of no communication from their customer care since I have sent the email and almost two months total of Affirm not refunding me and I shouldnt have to wait this long to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: CA
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 Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX  XXXX Balance : {$800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$620000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 my account was compromised and 7 unauthorized transactions were made that night at XXXX totaling {$830.00}, completely emptying my account. I texted Albert that night because they have no customer support number, to freeze my account and stop the pending transactions. I was told I had to wait until the transactions finalized in order to file a dispute. They finalized the next day and I filed my dispute. Today XX/XX/23 I was notified by Albert that my claim was denied because the transactions didnt indicate fraud. I did not authorize the transactions and the transaction pattern does indicate fraud. I asked to speak to a supervisor but was responded with automated prompts that did not address my concerns.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: InDebted Corporation
State: OK
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:
XX/XX/, I was told by XXXXXXXX XXXX call center representative XXXX, that my XXXX credit card with XXXXXXXX XXXX had been sold to a 3rd party called Indebted XXXX  due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to Indebted XXXX to make my payment. I contacted Indebted XXXX XXXX XXXX on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment. 

I continued to call Indebted XXXX as well as XXXXXXXX XXXX  over and over again, I even tried to dispute with my bank. I was told by XXXX XXXX  that Indebted XXXX has not sent them the check yet. I was told by Indebted XXXX that there was a glitch in the system and that my payment should reflect shortly. 

Finally in XXXX XXXX I spoke with a supervisor by the name of XXXX XXXX with XXXXXXXX XXXX, who told me all of my calls and complaints were documented and everything I explained aligned with what his data. 

He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to Indebted XXXX my account was reversed BACK TO XXXX  AND NO LONGER WITH INDEBTED. I have never ever notified of any of these changes!! 

He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected. 

Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card. 

Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted XXXX XXXX and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW. 


Since then I have given up the fight and decided to pay XXXX XXXX in attempts to XXXX out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using XXXX XXXX  of my credit which is badly affecting my credit. 



Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my XXXX out my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: BMW Financial Services NA, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX I went into XXXX XXXX BMW to lease a new car. I test drove a car and filed out an application and then was told my the sale advisor that the finance dept is closed that they will call me on Monday XX/XX/XXXX to run my credit and get the process going. Monday XXXX called me and informed me that BMW didnt approve me and if I had a co signer. At the time I didnt so I called me back to request to pick up my check that I left for a deposit of {$1000.00}. On Wednesday XX/XX/XXXX I got noticed from my bank that the dealership cashed my check. I told with XXXX asking him why would they cash it if I was denied a loan/lease. He told me that once funds go too billing they deposit everything and that he will contact them to get me a check and they would mail it to me. I called few times and on Saturday XX/XX/XXXX I spoke with XXXX who and he informed that he signed off for me to get a check. I never heard or received the check and today is XX/XX/XXXX. I email the DM this morning and expressed my issue and that I would be there today to pick up. I got there at XXXX and XXXX informed me that he have to check with the finance dept and he will give me a call tomorrow at XXXX. I dont understand why would they cash my check if I wasnt approve to get a car. I feel like Im getting the run arounds about my money and how would they not give me my check/money back and its been 2.5 weeks and nothing yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This complaint is due to the XXXX XXXX XXXX with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. Please Cease and Desist the reporting of my private consumer information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: NY
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation