BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
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:
disputed inaccurate infoormation with transunion due to accounts that are not mine.file # XXXX i know that it may take some time to investigate and reach out to the company so iwas expecting to hear something back in about 30 day. to mt surprise i recived a update in 2 days saying dispute completed. how can you properly investigate and rach out to a company in less then 2 days. the accounts that i am disputing are not mines. i requested validation and recived nothing from either credit transunion or creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX ( XXXXXXXX XXXX  ) Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX ) 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 has 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 explanation
Consumer complaint received 2019-01-15
Company: WELLS FARGO & COMPANY
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/2019 Wells Fargo Mortgage reporting delinquent 43 days late.

I am a victim of Data Breach as result of Wells Fargo disclosing my information.

I have on going Identity Theft as a result of Wells Fargo leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

Wells Fargo has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and 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 2023-03-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
Improper account spending limit change Company ( American Express ) Saturday, XX/XX/XXXX at approximately XXXX XXXX I had XXXX dollars of available funds in my account my spending limit on my card was before XXXX XXXX that day and the time before was XXXX dollars. I've been with American Express for a few years and have made every payment on time, and have never been late. As I stated above my spending limit was XXXX dollars I had an available fund of about XXXX dollars before XXXX XXXX. After XXXX XXXX I noticed a change in my spending limit and a change in my available funds as stated my balance on the card was XXXX and my spend limit was XXXX the card had gotten me through buying all the necessities for my home but I still made sure I paid the minimum balance. Recently my goal was to start paying the card off in big chunks my XX/XX/XXXX - XX/XX/XXXX statement was XXXX I then paid XXXX on the card with put my XXXX XXXX XX/XX/XXXX adjusted balance to XXXX the list of payments I submitted on my account was a payment for XXXX on XX/XX/XXXX, On XX/XX/XXXX I made a payment for XXXX, and the XXXX dollars that I made before my statement for XXXX XXXX XX/XX/XXXX. I called American Express because they change my spending limit but could not for some odd reason where the XXXX dollars I had in available funds went because I paid XXXX dollars on my card of money that I put back the card which means if I pay it back I can now use it but no one can tell me where my funds went and now my account is left at XXXX dollars from just had a fund of XXXX. no matter if American express refreshes your spending limit you already paid on the card for the refresh and had those available funds so they should not be taken AT ALL. I was left with the same statement balance and a lower s [ ending limit and they had no clue when I contacted them multiple times on the same day XX/XX/XXXX where XXXX dollars vanished too because there was no indication of it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I made a transaction of {$180.00} to another Paypal member for concert tickets. Immediately Paypal reported the transaction as unauthorized and started an investigation. The transaction ended up being fraud, and I did not receive the items specified. Paypal will not allow me to open a report about the transaction because they already opened ( and closed ) a report about it being an unauthorized transaction. No action has been taken by Paypal to help me report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is reporting information on my credit report that do not belong 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 2023-03-15
Company: WELLS FARGO & COMPANY
State: GA
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 used to have a checking account with Wells Fargo Bank. After closing it almost 4 years ago. I continue to get emails under my account that state " I am 75 % over budget ''. The spending amounts keep changing each month and over time have kept growing. My latest email is {$3600.00} ( XX/XX/XXXX ). This is up from {$3000.00} ( XX/XX/XXXX ), and {$1900.00} ( XX/XX/XXXX ). 

This leads me to believe that they are using my old " ghost '' account for some other, possibly illegal purpose. 
I do not want Wells Fargo malpractices to register under my name. I contacted them but they mentioned " they are just emails don't worry about it. '' -They need to close this account properly. 
-Explain to the CFPB why they continue to give me emails per month with different spending limits. Preferably showing the methods of how my account is being used until this day. ( This may be a larger issue across their bank that affects others so you should look into this ). 
-If this is left over money from my old account, I would like it in a check in full and this account closed 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 explanation
Consumer complaint received 2019-01-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
A few years ago I applied for and received a loan from Springleaf Financial, which was eventually acquired by OneMain Financial. Initially, monthly payments were being applied toward the principle and the loan amount decreased. Once OneMain assumed ownership, communication processes devolved and loan interest began to accrue.

A little over a year ago, my payoff balance for the loan was {$4800.00}. I became ill and was forced to leave my job and spend most of my savings on medical bills. I maintained contact with the loan agency and set up what they referred to as a " mod '' or modification agreement. I would pay {$90.00} a month for 6 months to " get back on track '' with payments and continue to pay down the loan once I started working again.

Over the past few weeks, I have requested documents - including all payments made since the beginning of the loan, as well as the initial loan agreement from both Springleaf as well as OneMain - and have yet to receive any, although three staff members of OneMain have promised to send them.

I called today - XX/XX/XXXX - to see what the payoff amount would be, and was told it would be over {$5200.00}. After taking a closer look at XX/XX/XXXX statements, it appears " mod '' agreement payments were over 90 % interest, with just over {$3.00} going towards the principle.

This may be legal under state guidelines, but it is not right. I was never informed that modification payments would only net {$3.00} towards the principle, while the remainder of the loan accrued interest. I have now paid more than {$2000.00} to OneMain, with zero  reduction in overall balance. I have sought out legal advice and hired and attorney, and I request the CFPB investigate OneMain for fraudulent and misleading practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
penfed bank i open my account online with then 3 weeks ego i can not access my money after i wire then the money pass 5 days the block my savings account, no respond i try call no answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions 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:
On XX/XX/XXXX I faxed a complaint to XXXX XXXX  due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX  twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter.

Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period XXXX would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel XXXX is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. 
I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
By the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2021-09-13
Company: Tate and Kirlin Assoc
State: NY
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:
Received communication by mail XX/XX/2021. Numerous violations. 
15usc1692e ( 3 ) 15usc1962e ( 2 ) ( a ) 15usc1692j ( a ) 15usc1692e ( 10 ) 15usc1692g ( a ) ( 3 ) ( 4 ) ( 5 ) 15usc1692k ( a ) 15usc1692f ( 7 ) 15usc1692e ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
State: MN
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 sent a certified letter to Equifax on XX/XX/XXXX requesting them to verify the accuracy of an account reporting on my credit with XXXX XXXX XXXX XXXX. 

This letter was signed for and received by Equifax on XX/XX/XXXX. 

I received a response to my dispute on XX/XX/XXXX ( letter dated XX/XX/XXXX ) that the results of the investigation are '' this item has been deleted from the credit file '' In noticing that the item was not deleted from the credit file, I contacted Equifax on XX/XX/XXXX and was told that the result letter was sent in error and that the information is reporting accurately. 

I then asked for verification of the item and was told that I would need to re-dispute. 

I have written evidence that Equifax concluded this investigation, and they are now unwilling to update the report in accordance with the documentation they have provided. 

I have attached the initial dispute letter, the certified mail receipt, and the dispute results from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXXXXXX XXXX {$110.00} and XXXX XXXXXXXX XXXX XXXX.These following accounts have 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: Better Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
As of XX/XX/XXXX, I had applied for a home loan mortgage for a new home purchase through Better Mortgage ( NMLS ID XXXX ). Within the submission of my application, I have indicated my income sources, including future income source of converting my currently primary residence into a rental property and collecting rental income to offset some/all of the expenses. The new home purchase expense would be covered by my XXXX XXXX income. On the application, I had indicated my intent to convert my current primary residence into a rental and indicated future rental income as a potential source of income as well. Upon accepting my application, I did not get a single email or call to clarify or review my qualification profile. Instead, I was provided a link to start uploading documentation which would allow mortgage underwriter to review my application. I had followed the steps and uploaded all the required documentation. In addition, I was required to submit a non-refundable appraisal deposit to perform an appraisal inspection. Weeks had passed and I was notified in XX/XX/XXXX that I would not qualify for the loan application. One of the reasons outlined was that I do not hold rental income history and such income could not be used to be qualified. Such information did not take weeks to be addressed. Such information may have been reviewed and clarified by a loan officer upon reviewing my application. My initial application indicated my intention to rent my current primary residence and use potential rental income as future income source to assist me in qualifying for the new home mortgage. A trained loan officer can identify such potential 'red flag ' upon reviewing initial loan application and review potential outcomes or issues with a customer upfront. It does not take weeks, lists of documents, and delays in loan process to determine such issue. If a trained loan officer would have reviewed the application in detail on Day 1, an appraisal order may not have been even placed given my inability to meet Better Mortgage future rental income guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reviewed my credit report on XX/XX/2023 from TransUnion and noticed an account in collections that I didn't recognize. I was never contacted by this collection company, nor have I ever done business with this collection company. This has happened to my TransUnion account recently with another collection account that was mistakenly put on my report. I am giving notice that I am disputing the validity of this alleged debt XXXX XXXX account # 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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