BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hey, While I was looking on my credit report and I see TransUnion is reporting XXXX XXXX XXXX charge off account as open when its closed. Second, I noticed The balance is {$15000.00} but TransUnion is reporting {$15000.00}. This is a serious violation and illegal to report inaccurate information. TransUnion is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!

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 2017-10-03
Company: EQUIFAX, INC.
State: KY
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 have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 I transferred {$250.00} from my Wells Fargo checking account via XXXX through the mobile app to my own XXXX  XXXX XXXX account. I called XXXX   XXXX XXXX at XXXX XXXX  on the morning of the XXXX to see if it was anything I could do and if the transaction would take a little time to come through. XXXX  XXXX XXXX informed me that the transaction failed and they never received the money from Wells Fargo. So I then contacted Wells Fargo at about XXXX XXXX to start my claims process to get my money back. Wells Fargo informed me that since my rent payment was due the following day that they would mark my case as urgent and I should hear from the person on working the claim shortly. Fast forward, I called every business day to get a resolution. On Friday XX/XX/2020 I called in to check the status and was told my claim had been closed and I was just out of my money. I immediately went to the Wells Fargo branch to speak with a personal banker. I went into her office and she called the customer service or claims department to check and see if my claim had indeed been closed and they informed her that it hadnt. I showed her my bank statement from XXXX   XXXX XXXX and she verified that the deposit of {$250.00} had not been deposited in my XXXX  XXXX XXXX account and relayed that info to the customer service rep. Still no resolution. They told her it was nothing they could do and I would still have to wait 10 business days before a resolution could be made. I called in this morning XX/XX/2020 and now they are telling me that still no resolution. Ive been patient and given them all the documentation needed to verify that I never received my own funds that I was transferring between MY personal accounts as if Im a criminal and it wasnt MY money to move. This is unacceptable and extremely unprofessional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 obtained a loan for consolidation. According to XXXX XXXX I defaulted on my loan ( My history does not show a default and is attatched I never received notification of any default aside from the warrant in debt ) my loan is secured with a car shown in contract. As a remedy for the alleged default XXXX XXXX issued a warrant and debt for the full balance. ( again because I did not have an actual missed payment ), XXXX continued the warrant in debt out from XX/XX/2021 until XX/XX/2021 stating even though my account was in default they wanted to be sure I made one time payments in XXXX the case was dismissed. During this time I contacted the office several times to inquire about why my account was referred to court and was told in order to get my account out of court my only remedy was to re-borrow and close out my current loan or repay the full loan. Since this time my credit report has been coded as a collections account under legal remedy and closed causing denial for rental homes. Attatched is the account status displayed to me which shows Active there is no indication of default or collections. I only knew of the case still being continued in court because I called once I received a copy of my credit report. Myself and my XXXX children will be homeless due to this companies antics to force me to re-borrow or pay in full. Please help me this company is deceptive. I never received any notices of default other than a warrant in debt for the full balance which i was told by XXXX XXXX would be dismissed because I didn't owe a monthly balance and my account is current all the records I have supplied are downloaded straight from their website. This company is abusing the Credit bureaus and legal system and must be stopped!

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We review a variety of criteria in assessing whether to allow you to book a car on XXXX, including your auto insurance score. As part of our ongoing verification process, and as you previously authorized, we requested your auto insurance score from a consumer-reporting agency. Based on our existing criteria, you are not allowed to use XXXX. Your auto insurance score supplied by TransUnion influenced this decision. 


TransUnion Customer Relations XXXX. XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX TransUnion Auto-insurance ***Record outdated are not falling off. Driving and finance recorded were In-correct and Not up to date.

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 2019-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I had applied for leasing an apartment at XXXX XXXX  XXXX  ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in XX/XX/2018. My equifax report or XXXX XXXX  shows it as a hard credit inquiry from XXXX on XX/XX/2018. I was assured by the leasing office that the credit check will only be a soft one and this is what it says as per the rules of XXXX XXXX  on their website. I quote from their website regarding credit check information ( that I had also looked at while applying with them ) : When your credit report is pulled for the apartment, its considered a soft pull and will not drop your FICO score like a hard pull does. 
Resource : XXXX XXXX XXXX Considering this is affecting my credit score very negatively, and that it should not have been a hard credit check ( per the noted leasing company 's rules ), I ask for your help in this very case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received my Mortgage Billing Statement and viewed {$510.00} in charges for products or services that had been added to the content without authorization or request. I contacted the XXXX XXXX XXXX and spoke with XXXX, a representative for customer services who told me that {$18.00} of charges were for a FEMA inspection fee that the XXXX XXXX XXXX was obligated to pay, not me. I asked, If that is the case, why is this charge added to my Mortgage Billing Statement, and sent to me as a bill in the total cost of my mortgage? She stated that I did not need to worry about that charge and to just make my regular monthly mortgage payment which did not include the {$510.00} in charges. She also informed me that the remaining {$500.00} was the result of charges for fees from an attorney in the XXXX XXXX XXXX  Bankruptcy Department. She referenced me to a XXXX XXXX at ( XXXX ) XXXX, and connected me to that department. 
I spoke to XXXX XXXX XXXX, Bankruptcy Lead, regarding the {$500.00} charge of fees for services to prepare what he spoke of as a P.O.C. ( Proof of Claims ) bankruptcy file. He told me that the attorney for XXXX XXXX XXXX was viewing the computer and he saw that a Chapter XXXX Bankruptcy with my daughters name had been filed. He also stated that the attorney for XXXX XXXX XXXX knew he would have to send a Proof of Claims file to the court and he did. I informed him that neither my daughter nor me had requested or authorized this action. Also that written notice to cancel the bankruptcy proceedings had been given to the law office initiating the case. In addition, that none of the requested necessary paperwork was ever given to that law office ( Tax Returns, Bank Statements, XXXX Forms, Payroll stubs, or Mortgage information ) purposely, as assurance to prevent them from attempting to file a case anyway. I informed XXXX XXXX that I was present in the law office when my daughter gave specific instruction to the attorney in charge that my residence was not to be included in the filing for the Chapter XXXX Bankruptcy. She stated that she was no longer a resident at the address and that I ( her mother ) made all payments for the mortgage which was neither in arrears nor foreclosure. They assured her that nothing they did would affect my residence. XXXX XXXX was persistent in stating that the attorney for XXXX XXXX XXXX was obligated by the court to prepare a Proof of Claims file and to submit it to the court regardless of whether it was requested or authorized. He also told me that the fees would remain on my account until they were paid by either my daughter or me. To date : XX/XX/XXXX, the fees remain on my Mortgage Billing Statement. I inquired of XXXX XXXX, How can it be allowed ( as the incident was described to me by him ) that some attorney just looking on the computer would perform this action without my knowledge, request, or authorization, and then bill me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
account has been removed from XXXX  & XXXX XXXX still showing need to have removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with AMEX account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payments in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked at auto loan quotes on XXXX XXXX. XXXX XXXX XXXX gave me two offers for with different interest rates ( they told me they did one via XXXX XXXX  XXXX and the other via XXXX XXXX   XXXX ). The problem is since these were two auto loan quotes given on the same date ( XXXX XXXX ) by the same dealer ( XXXX XXXX XXXX ) for a new car, it still shows as two different inquiries. Both these inquiries fall under the category of " Automobile Dealers, New ''. Based on the effects of shopping for auto loan per CFPB : Any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry ( XXXX XXXX   XXXX ) But still these are showing as two separate enquiries on XXXX XXXX by transunion, your help will be greatly appreciated to resolve this problem.

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 2018-01-30
Company: Atlantic Credit & Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i have advised this company to stop contacting after answering a blocked number from them on XX/XX/XXXX.  they reached out to me again on the next day. i then advised the company I do not owe any debt to them because i never heard of them. They then said they will sue me for the debt, I advised them to validate the debt. i have not heard anything from them in the mail as of yet and I'm still receiving harassing calls.

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 2019-01-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo appears to have fraudulently manufactured my mothers loan Documents after the merger date of XX/XX/XXXX with XXXX XXXX. Page 1 at the bottom shows the date of XX/XX/XXXX, but the number 8 appears to be altered, with page 6 of the loan documents it's showing a date of XX/XX/XXXX at the bottom of the page and also the notary seal has been whited out. There's also a mark that appears to look like a period symbol on my mother 's living trust signature which was done inadvertently by her possibly touching the pinhead on the paper and leaving an ink mark, I believe the Wells Fargo note that was provided to me by Wells Fargo has that mark slightly higher and I have numerous signatures of my mother on various documents and checks none of them having that mark near the C, which leads me to believe the signature was traced from the living trust I provided Wells Fargo.Also, on XX/XX/XXXX. XXXX XXXX XXXX at the age of XXXX was given a pick a payment predatory loan which had a staggering aggregate principal balance secured by the deed of {$140000.00} which was 125 % of the original loan balance of {$110000.00}, for a XXXX-year-old woman on a fixed income. Current

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 2021-12-01
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While I was on vacation from XX/XX/XXXX - XX/XX/XXXX my debit card was lost. I realized it was lost the morning of XX/XX/XXXX. I had just packed away my dirty clothes and things I did not need for my next XXXX days and assumed that i had misplaced it in there. I went ahead using my XXXX pay wallet for the remainder of the trip. My apple pay wallet requires, when charged as a debit, to enter in my pin number. When I arrived home I realized that their were $ 300+ worth of charges that I did not make and my debit card was no where to be found. I called the bank and submitted the fraud claim and was provided a provisional credit and was assured that if I lost my debit card that this would be straightened out. A few weeks later I woke up to my account balance being negative due to those provisional charges being reversed. I looked on my online banking and did not receive any correspondence from Chase bank saying that the fraud claim did not go in my favor or any explanation. I called the bank, was transferred around two 3 separate reps and when asked why it was denied, they just said the fraud claim didn't meet their policy requirements. I asked if I could resubmit the claim and they said no and that I was responsible for bringing my balance to positive and if I didn't I would be sent to their collections department. I called once again that week trying to get more answers and they said it was because XXXX of the transactions I submitted was made using my pin and asked if I had my debit card pin written on the card or anywhere in my wallet. I had my pin written in my wallet but it was still in my wallet so i don't see how that would matter. They then said that because i had done that it was not their problem and I was responsible for the funds, and found it suspicious that I disputed a transaction that I used my pin for. I realized it was my mistake and I had made that transaction using my XXXX wallet. I tried to explain this and the woman rushed me off the phone saying that there was nothing she could do. Now I'm continuously getting collection calls from chase to pay back funds for purchases that I didn't make. I have since switched banks but in essence chase has now stolen over 300 dollars from me and are holding me responsible for transactions that I did not make. Please help me get my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: GA
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 was a victim of XXXX and XXXX XXXX which is stated in class-action multi-state lawsuit ask the credit bureaus to delete the account off of my credit report based on the findings and the multi-state class action lawsuit which is stated on page 8 section 11 and they refuse to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the past year I have been using TD BANK locations around XXXX, XXXX. I used the account solely for convenience and to cash 1 check per week. I paid the mo thy fees for low balances ( {$15.00} checking/ {$4.00} savings/ as well as {$3.00} ON TOP OF fees already charges by out of network ATMS ). 

I was always careful to keep the balance positive. The few times it went negative ( less than {$10.00} ) I quickly deposited/transferred money within hours and almost always had the account positive by business days close. This incurred repeated {$35.00} fees. 

During the last week before closing my accounts ( final week of XXXX 2017 ) I also had an atm eat {$20.00} of a {$600.00} deposit, to which the tellers directed me to an outside company. I was reimbursed the misplaced {$20.00} after I initiated a review of the atm and it was found to have excess money in it. 

I went in that week to close both account where I signed paperwork in person and was told the branch manager would personally close the accounts in about 2 business days. 

When I checked a week later the savings account was still open. When I called to ask what the hold up was the operator said they did not see the account set to close. I then had to reinitaiate the closing process by phone even though I had signed physical paperwork at a branch to do so the week before. 

I did not complain about the $ XXXX/mth fees I paid to have accounts and deposit my one small check a week. I did not complain about the {$1.00} charged for every bill I wanted to pay from the accounts. I did not complain about the {$6.00} ( {$3.00} TDBANK charge ) combined atm fee for using outside ATMs. I started complaining about the {$35.00} fees for being overdrawn by {$7.00} for 2 hours. The final straw was having an atm steak money from me and be told it was not the banks responsibility and be directed to an outside vendor. 

This all culminated in the closed accounts, which I signed in person, not being acted on and remaining open. Which inevitably would have ended in more fees and more overdrafts ( since the bank told me not to deposit money as this would reopen the account ). Enoughbis enough.

Company response to consumer: Closed with explanation