BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since no XXXX Wells Fargo has charged me XXXX {$35.00} fees for overdraft. I dont understand, I am not signed up for overdraft protection for this reason. Wells Fargo is charging an excessive amount of fees that is jeopardizing my stability. The cfpb needs to step in for the consumer this bank is so ver charging for no reason. I was told that if there is no money then the transaction would not go through. I need my money back this is too much and this bank has customer service issues so getting a proper explanation and resolution has been imposible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report. I am unable to file a dispute online

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 2023-06-25
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
SEE ATTACHED : Today my broker told me a CERTIFICATE OF SERVICE was received by my mothers employer Libertiy Communities. My mother had been trying to get me on with them but now that looks unlikely now that they have tarnished my reputation with them. I have no idea where this debt is coming from! In addition ; they thought the Service letter was for my mom. That XXXX may be her middle name. The corporate office sent it back after my mom had to explain. 

In addition : They have sent a Certificate of Service to at lease four other organizations that I am not affiliated with. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( attached ), and XXXX XXXX. 

I don't know much about this process but I know based on the CFPB radio buttons that they shouldn't be sending these things all over the place. I was told these were compensatible offenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: National Enterprise Systems, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This loan went into default. I have made several attempts to contact the case manager who if she isnt there I end leaving a voicemail that never gets returned. Then if I do get her on the phone shes rude and will not negotiate with me. In the past 6 months Ive offered amounts from {$250.00} a {$2000.00} just to pay up front and then setup a payment plan for the remaining balance. She is absolutely unwilling to accept anything less than {$4000.00}. I would ask her what my options are to negotiate with them, and her response is to take out a second mortgage on my home or withdrawal funds from my 401k at work! So I appropriate!! When Ive asked multiple times to negotiate something to setup an automatic debt she ends up hanging up on me. Then when I ask the company for another case manager, they just route me back to her. When I ask for a manager, I get routed to her again! I would think a company would take any amount of money to at least begin the automatic debt process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of credit card reporting. Account ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2022-02-03
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citi XXXX sent me a Letter to my old address. The Letter had my full name and account number on the first page. Someone opened the Letter before I received it in my mailbox. It took me four hours to try and reach someone at Citibank to put a hold on the account. Wait times for customer service are greater than 20 minutes. Now it is impossible for me to lift and move that money to another account. I have banked with Citibank for more than 15 years. I want to close my accounts in steps so I dont disrupt auto payments and deposits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : TransUnion : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
XXXX app alerts have been popping up with XXXXXXXX XXXX XXXX XXXX Saying my information is on the XXXX XXXX and to change my passwords on my accounts. I don't recognize these inquiries so please have them deleted from my reports. TransunionXXXX 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 2018-04-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good Afternoon, I was checking my credit report, and I came across a collection account from XXXX XXXX. I do not know who this company is, nor have I done any business with them. I also did not receive any notice of this debt or the ability to obtain validation of it. I sent them a letter requesting validation, but did not receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A fraud wire equaling up to XXXX XXXX was put in my back account. My account is now shut down because of this company o have the info of who it was this person has accounts with XXXX BOA XXXX XXXX  and other companies hes scammed including buisness cards he has with these companies. Using fake documents. I was asked to mail check wires and put cash on various accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CBC Companies, 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 contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. XXXX, INNOVIS, XXXX XXXX, XXXX, XXXX, XXXX anXXXX XXXX XXXXa ; I want these charge offs/write offs deleted from my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: National Commercial Services, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from XXXX XXXX from NCS but was not able to answer. My sister called soon after and was worried, she said XXXX called her and was telling her that if I did not pay he was going to have my license taken away because I was a payment late. I then called him to place my new CC on file, and I let him know I did not appreciate him disclosing my information to a 3rd party. He got really defensive and said he gave her that information because she asked for it. He said he was just sending me an email. My sister was never authorized on my account she spoke with him once to give him a CC and from there on he always called her. This man was unpleasant to speak with, he told me he was going to cancel my payment arrangement and that I was " DONE '' and to " have fun at the DMV '' I asked for an explanation as to why he was cancelling my payment after trying to express my concern about him speaking to a 3rd party. He said because I wouldn't let him speak. I let him know this was not a legitimate reason to cancel my arrangement just because he took my complaint personal. This man had the nerve to tell me to " shut my mouth '' and that I am 2 payments behind, and he told my sister I was one. I told him I know he can't talk to people this way and there should be a level of professionalism I could get a lawyer. He said he was suspending everything since I knew what to do. I asked to speak to a supervisor and he said this like he was used to it and like he didn't care " go ahead and speak to my supervisor EXT XXXX ''. He is not allowed to speak to me or anyone in this manner just because they owe a debt and bring to his attention that he can not disclose information to someone other than the debtor. He shouldn't have that type of power to dictate when to cancel payment when the debtor is not wanting to cancel and to dictate when to take their license away and especially feel entitled to intimidate a client because he choses to take their complaint personal. 
I received a call back from XXXX his supervisor and he said he would handle it and he said he saw notes where I " authorized '' my sister before. I never have, she spoke with XXXX once to put a CC on file and from there he would always call her. I told XXXX to stop calling and emailing my sister and apparently he didn't write that in the notes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent To Whom It May Concern, I am writing to address discrepancies on my consumer report. My details are as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, IL, XXXX I recently reviewed my consumer reports and observed that you have reported transactions which, according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a 2Ai, are excluded by law.

The FCRA clearly states that a " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the reporting entity. Furthermore, the definition of a " consumer report '' does not encompass XXXX or XXXX scores, nor their respective algorithms. 

Given this, the reporting of transactions between myself and the following institutions is in violation of 15 USC 1681a XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Status : Open. {$37.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Status : XXXX. {$220.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Open. {$82.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Open. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Status : Open. {$120.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Status : Open. {$230.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20.00} Status : Open. {$15.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Status : Closed. {$210.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX Balance : {$200.00} Status : Open. {$60.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} Status : Open. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Status : Open. {$640.00} past due as of XX/XX/XXXX. 

these actions have adversely affected my reputation, character, and overall well-being. As such, I request the removal of the late payments associated with these accounts from my consumer report.

As per 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Given the evidence and the provisions of the FCRA, I urge you to rectify this matter promptly by deleting the aforementioned late payments from my consumer report. 

I await your prompt response and corrective action. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: FL
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:
So XXXX finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
a month ago i received a copy of my credit report and i noticed some accounts that not mine i never used

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-03-14
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct or delete the following items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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