BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I initially tried to access my TransUnion credit report on XX/XX/22 at XXXX. The website, service.TransUnion.com would not allow me access to my credit report. I had attempted to may times. I waited until XX/XX/22 at XXXX XXXX to attempt to access it again. I received a confirmation code thru my email, it opened my TransUnion account, however I received a message, cant complete my request. Ive had several issues with TransUnion, they continually stop the ability for the consumer to view potentially fraudulent debt charges that TransUnion posts on credit reports. This has happened to me. 
Then, the consumer cant dispute the fraud charges. TransUnion should be confirming specific debt claims actually belong to the persons credit report they ruin. Its very difficult to reverse the negative information and dispute it.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate payment history was reported by XXXX Account number XXXX. It all began when I requested a credit report and I XXXX that XXXX XXXX reported 30 days late on my credit report, I immediately called XXXX to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, XXXX XXXX XXXX  didn't improve inaccurate information. I have contacted all 3 credit bureaus, Experian, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to XXXX XXXX to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my Experian credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opt out of overdraft protection for one-time debit card transactions and ATM transactions. on my debit card at Wells Fargo Bank in XXXX, Georgia location. My account has been working properly when I made a purchase at a retailer and did not have sufficient funds to pay. However, when I withdrew cash from an ATM, the bank allowed an overdraft to occur and created an overdraft fee. When I contacted Wells Fargo, they informed that it was the bank 's discrection whether to allow an overdraft at the ATM. I know under Regulation E it is very clear what " opt out '' means. 

The practice at Wells Fargo is incorrect in regards to ATM withdraws and not sufficient funds to cover the transaction. It appears this is a deceptive way to create fee income for their bank.

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 2019-08-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Friday XX/XX/XXXX a transaction was processed to my account from XXXX XXXX for {$100.00}. This money was taken from my total balance, and at the time there was around {$500.00} left in the account. Either the next day or on Monday, a {$40.00} transaction from Acorns was processed to my account. The funds were available in the account at that time. 

On Tuesday XX/XX/XXXX, Chase charged two {$34.00} overdraft fees to my account for both of those transactions. The explanation was that the money was being held by the vendor and didn't process until after the initial dates they were supposed to have come out, but if my balance was already reduced by both of those amounts, I should not have been charged fees on those transactions. 

I would ask that both of the fees be reversed. It is unfair for banks to say they are " holding the funds '' and waiting on the vendor when the balance on the account was show that the funds have already been taken out of the account and sent to the vedor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.

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 2023-02-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A painting contractor I hired offered me a promotional deal in which I could get financing for 18 months at no interest, as long as I made regular payments. This arrangement was made through Synchrony Bank ( A company that was unfamiliar to me. ) My understanding was that my last payment was due XX/XX/2023. I made payments regularly. However, I received only a couple of statements of my account and no warning that the actual payoff date was XX/XX/2023. I did receive a letter from Synchrony in early XXXX stating they had a problem sending statements to my email account and that they were going to mail me statements instead. No statements have ever been received. If something was wrong with my email, they also had my physical address and my phone number. 
I made a payment of {$10000.00} in XXXX. and on XX/XX/2023 I called Synchrony to make a phone payment and learned that my account balance had jumped by over {$14000.00}. I found that I had been charged the total interest for the total duration of the account on XX/XX/2023. 
I paid off the entire balance in a direct transfer from my credit union, but the $ XXXX interest payment was paid under vigorous protest. 
Synchrony Bank, which has some sort or relationship with XXXX, conducts its business from a number of offices ( I do not mean bank branches ) throughout the country. I was dealing with its office in Florida. Their system is almost completely automated. One has to wander around on their website even to find a phone number. The number is answered by a robot. It states upfront that to talk to a human costs {$10.00}. 
Thus instead of spending hours on the phone talking pointlessly to robots, or spending {$10.00} each on a number of fruitless calls, I am skipping that and complaining to you directly. 
I believe that $ XXXX interest charge was unfair and exorbitant because of the lack of statements advising me of the status of my account. For this kind of an offer, I think I should have been sent regular statements. The statements should clearly indicate the payoff date and balance for the special offer.

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 monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: IL
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 did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2022-02-24
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to Roundpoint Mortgage company in XXXX 2021. Our property tax and insurance are in an escrow account and should be distributed to the county and insurance company when due. 

Our insurance premium for the year was due on XX/XX/XXXX and Roundpoint should have paid that bill from our Escrow account. On XX/XX/XXXX we received an Expiration/cancellation notice from our Insurance company because they hadn't received payment. At that point I reached out to Roundpoint asking why this hadn't been paid and asked them to get back to us as soon as possible. I've sent several emails to Roundpoint over the last ten days and the only response I'm receiving is an automated reply.

I went ahead and paid the insurance premium directly so we wouldn't have a lapse in coverage on our policy.

Nobody at Roundpoint will get back to me.

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 2023-06-23
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 information incorrect

Complaint:
Hi, Ive had an issue with Experian showing my car loan as open but it has been paid off for 7 months. I sold my vehicle back in XXXX of XXXX  and paid off the loan. Ive tried to dispute it many times through Experian with no solution. It has been over 7 months now and they are still showing the account as open with an outstanding balance. Theyve even told me to speak with my bank XXXX but when I spoke with the bank they said it is an issue on Experians side because the account is closed and the loan has been paid so they cant do anything. Experian of course has done nothing to help. Every other credit bureau is showing my car has been paid off. This has been very stressful because i can not take out a new auto loan to purchase a vehicle.

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 2021-03-05
Company: Santander Consumer USA Holdings Inc.
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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 2019-05-17
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My Name is XXXX XXXX XXXX. 

I got this case information on XX/XX/2019. 
Someone opened checking account with under my S/S/N. 
This is second case with someone opened checking account with my S/S/S. 
I already reports to here first case on XX/XX/2019. ( # XXXX ) I do not understand these situation, how do they, bank, allow to open with different Name. He, who opened checking account, opened checking account with his ID and my S/S/N. The name is similar but same. how come banker who helped to open bank checking account, did not check all information carefully. 

I do not know exact amount and happened because they do not give me whole story. 

He took about {$80000.00} from bank and bounced checks. It happened early of XX/XX/2019. 

M & T Bank, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX I am attaching another case ( # XXXX-XXXX ) with XXXX XXXX case.

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 2023-09-18
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Regarding Transaction/Confirmation Code # XXXX I sent the sum of {$71.00} money on XX/XX/2023, to a family member in XXXX that lost his son ( Confirmation Code # : XXXX ). 
The money has not been received by the family, instead I keep getting messages from WorldRemit automation that your transfer is delayed and that we will provide an update within the next XXXX hours. This has been ongoing for the past 20 days. 
I have called WorldRemits call center 6 times and unfortunately each time I have waited on the phone for an average of about 60 minutes to 90 minutes to speak to somebody. Each time, I am told by their customer representative that it is a technical issue. Each time, I have requested for them to send back my money to me. I have also written a formal letter on XX/XX/2023 to their XXXX office, requesting for my refund. They still have not refunded my money back to me, instead I keep getting the run around. 
As a customer for more than 8 years to 10 years in good standing, this is not how to treat a loyal customer. 
At this time, I will appreciate it, if your agency can intervene with this issue and urge WorldRemit to refund my {$71.00} back to me, so I can make alternative arrangement to send the money to the bereaved family. 

Thanks, and take care. 

XXXX XXXX XXXX # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Account status incorrect

Complaint:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 150 XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The bureaus are reporting a current balance of either {$72000.00} or {$82000.00} as of XXXX. Both of the balances being reported is wrong. I have attached copies of my bank statements from XXXX, XXXX to XXXX, XXXX. These statements clearly show every on-time payment that has been made on this account along with the correct current balance. The lates being reported on my credit report are absolutely false and need to be removed IMMEDIATELY. This false reporting of lates is seriously harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-05-17
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I look at my credit report and notice I have XXXX debt. Like from this debt to br removed immediately. 

EOS XXXX  XXXX XXXX XX/XX/2017 {$150.00} {$150.00} XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded to a bonus offer of {$2000.00} to open a Citigold checking account if I deposited {$300000.00} and mantained that balance for 60 days beyond the XXXX day of my initial deposit. I followed all terms and conditions necessary to qualify for this bonus. I opened my account on XX/XX/XXXX and maintained a balance of over {$300000.00} until XX/XX/XXXX. I kept over {$300000.00} in a non-interest baring checking account over XXXX to received the {$2000.00} new account bonus, but it was never paid. After speaking to my Citigold account manager, XXXX XXXX, she stated the Citibank was " behind '' in their bonus payouts and encouraged me to leave the money in my savings account until they could finish their investigation in another 2-3 weeks. Meanwhile my {$300000.00} was collecting XXXX interest as I waited for them to do their 'research. ' I later received a letter through Citibank 's secure messaging system that was pre-dated XX/XX/XXXX. It stated I was 'not eligible for this offer if they are or were a signer on an existing consumer checking account within 180 calendar days of opening the new account.Your account records indicate you have existing checking account number ending in XXXX which was opened on XX/XX/XXXX. ' This makes XXXX sense because why would they mail me a promotion ( twice ) if I did not qualify for it? I opened the XXXX checking account ( XXXX ) 2 years prior, NOT within180 days of opening the account in question ( XXXX ). Citibank has created an unethical scheme to sit on customers hundreds of thousands of dollars and collect interest -- in my case, {$300000.00} over the course of 90 days. I am requesting the {$2000.00} sign on bonus promotion Citibank originally advertised to me ( in XXXX separate mailers ) be paid to me ASAP, as I have lost significant interest as these funds sat in their account while I lost interest over the course of XXXX months. I am outraged this bank has acted so unethically.

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