BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2019-12-11
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03
Company: WELLS FARGO & COMPANY
State: MD
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:
I have been disputing Wells Fargo dealer services with XXXX for the past few months. My last time disputing this item wasXX/XX/XXXX Wells Fargo was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. XXXX has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. XXXX has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.

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 2019-12-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I HAVE AN ACCT WITH AT & T UNIVERSAL CARD ( CITI ) I HAD 2 BALANCE TRANSFER OFFERS ABOUT TO EXPIRE I TELEPHONED UNIVERSAL CARD CUSTOMER SERVICE XXXX XXXX XXXX PRIOR TO THE EXPIRATION DATE OF THE ONE SOONEST TO EXPIRE ON XX/XX/XXXX {$6200.00} ( 0 % ) EXPIRE ON XX/XX/XXXX {$850.00} ( 1.99 % ) THE REPRESENTATIVE TOLD ME TO PAY {$6000.00} AND THE MINIMUM DUE OF {$210.00} PAID {$6000.00} ON XX/XX/XXXX AT THE AT & T WEB SITE. ( HAVE PRINTED RECEIPT ) PAID {$210.00} ON XX/XX/XXXX I THINK AFTER PAYING {$6000.00} {$210.00} FOR A TOTAL OF XXXX ON THE SAME DAY, AFTER PAYING THE LARGEST BALANCE, I USED A BALANCE TRANSFER CHECK TO REFINANCE THE XXXX. 

ON THE NEXT STATEMENT THE PAYMENT I MADE TO PAY OFF THE EXPIRING TRANSFER OFFER WAS APPLIED TO THE NEW BALANCE TRANSER CHECK I JUST WROTE. 

THEY CHARGED ME FOR A BALANCE TRANSFER AND ARE CHARGING ME INTEREST ON THE EXPIRED ONE. 

I HAVE CALLED SEVERAL TIMES AND SPOKE WITH VARIOUS REPRESENTATIVES TO EXPLAIN THE SITUATION THE FIRST TIME I CALLED. THEY REFUNDED THE INTEREST OF {$100.00} BECAUSE THE REP SAW THE MISTAKE. SHE ASSURED ME IT WOULD BE CORRECTED. THAT WAS IN.XXXX XXXX. 

I CALLED AGAIN AND SPOKE WITH SUPERVISORS. THEY ASSURED ME IT WOULD BE CORRECTED ALSO. I WAS TOLD TO WAIT ABOUT 5 BUSINESS DAYS FOR A REPLY. 

I RECEIVED TWO FORM LETTERS 2 WEEKS APART EXPLAINING HOW PAYMENTS ARE APPLIED. 

I CALLED AGAIN AND THE LAST TWO REPS I CALLED SAID IT WAS BEING WORKED ON. 

HOW LONG DOES IT TAKE? 

THE BOTTOM LINE IS THAT THEY APPLIED MY PAYMENT FOR AN EXPIRING BALANCE TRANSFER TO THE NEW BALANCE TRANSFER. NEGATING THE WHOLE REASON FOR THE PAYOFF TO BEGIN WITH. 

UNIVERSAL CARD SHOULD HAVE ALL MY PHONE CALLS RECORDED. STARTING WITH THE REP WHO TOLD ME HOW TO PAY OFF THE EXPIRING 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: GA
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:
Inquiries were unauthorized, companies notified about fraudulent inquiries and they are still appearing on my credit report. I have notified the bureaus to have them removed. It effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX, I closed all my accounts with Wells Fargo which includes a checking account, Savings account. I also had one no fee credit card for a safety measure but rarely used, which was closed in XX/XX/XXXX. My last statement for this credit card was due XX/XX/XXXX and I have not received any communication about this card since then. I also have not been able to log into any Wells Fargo online banking account since XX/XX/XXXX. 

This past month I was issued a new credit card by Wells Fargo with a different credit card number claiming this card has been open since XXXX, which is the time the first Credit Card was opened.

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 2017-05-17
Company: Harley Davidson Financial Services Inc
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A company has been calling me, my extended family ( to include in-law s ), and EVEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator   XXXX   XXXX  ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA.   After some internet research, the information for the company is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The bank closed my account unexpectedly my payroll check was deposited into that account it 's been over a month and I have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I added an amex offer which is Spend $XXXX on XXXX XXXX get $XXXX back. I used this Amex offer on my amex green card on XX/XX/XXXX and the transaction has been posted. But Amex didnt credit this offer. They say that the merchant (XXXX XXXX) processed my payment via paypal even though I made the purchase directly via my Amex Green Card. They did not redeem this offer and I did not receive the XXXX   dollars credit at last.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Insufficient fund fee Every XXXX escrow account is updated for overage or shortage. Last year it was an overage so a check was sent to me but, this year there was a small shortage. 

After realizing my escrow account was short I went online to add funds but less than hour later discovered that the escrow payment needed to be placed in monthly mortgage payment. After speaking with a mortgage payment representative to make my monthly mortgage payment right I received a letter later that month saying I will be charge an insufficient fund fee. After making several call to mortgage bank to get an idea of what the fee was for I also called my bank, which is associated with the mortgage bank. I Made a XXXX way call, a checking account bank representative and, a mortgage bank representative. During the call my banking account representative told the escrow account representative that the checking account number that was listed for my additional payments was my bank member number not my checking account number. After several calls to supervision and writing an email to remove the fraudulent charge from my mortgage account I have not received any letter or removal of the insufficient fund fee. The error of putting my member number on the escrow payment account was not input by me online plus how can there be an insufficient fund fee when the account number does not exist? At no time was my escrow account short of paying any due payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2019-12-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Fedloan servicing has processed my income based repayment monthly payment in error. I have attempted to call and after 2 hours of 3 phone calls, they did not fix the problem. 1. My husband and I both use fedloan. 2. We file our taxes jointly. 3. His recent IBR was processed to a payment of $XXXX a month. 4. Mine was not processed and stated there was an error. I was asked to resubmit mine. Once I did and it was reprocessed, my payment doubled to $XXXX, as if my husband wasn’t paying his. 5. I need this corrected as a) I normally pay $XXXX a month, and b) my income has reduced, so it makes no sense for my payment to be increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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: Problem with personal statement of dispute

Complaint:
Paying this company on time and they are still reporting me as 30 days late

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 2023-06-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contact PayPal about a fake account that took XXXX dollars from my account in PayPal credit. They transferred it to their account. There was also a XXXX XXXX XXXX for {$300.00} to an account I did not authorize. They were all fake accounts under fake names.

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 2019-12-11
Company: BB&T CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a letter form regional acceptance corporation responding to a claim I filed and the information that was documented on that statement of them responding to my claims is all incorrect and lies. I have a voicemail when the recovery guy called me 1 time and I called him right back and gave him the address and information about the vehicle. On my emails that I sent them informing them to come pick up the vehicle had the correct address XXXX XXXX XXXX. I had previously taken insurance and registration off this vehicle in XXXX as I havent driven it since XX/XX/2019. XXXX XXXX called once on XX/XX/2019 and came and picked up the vehicle in that said location that I informed regional acceptance corporation maybe two month prior the location of the car as the car hadnt moved. These are lies and I ask that this car be removed from all of my credit reports and the late charges that they have filed on my report. The information is incorrect in this letter and we can pull the files from speedy recovery to confirm with him that he only called once and only left one voicemail as I addressed and called him right back the same exact day upon getting the voicemail. If I can get a email address I can send over the voicemail.

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 2023-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, Bank of America closed my account with no reason behind it. They also closed both of my credit cards.

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 2023-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged over draft fees by Wells Fargo when the money was available.

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 2019-12-03
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
When i log onto my Equifax report on www.equifax.com, they have missing information. All data listed is as if we are in the year XXXX. My current accounts opened since XXXX to this date are not listed. I have called in and was advised they could see my report to it's entirety. Myself no creditors can, as they are reporting information from XXXX and XXXX only. This has caused me to be denied credit for " insufficient credit history '' due to the fault of Equifax not reporting all of my credit history. On XXXX XXXX, the history from XXXX and XXXX is being reported to them and not all of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: AZ
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
in XXXX of 2022 XXXX XXXX  received 6 ERC checks from the IRS. I DEPOSITED them in my navy federal account.they put a 14 day hold on the checks after 14 days the funds were relesed into my account. 8 days later that removed the money from my account and stated the checks were fraudlant and returned back to the IRS. I CONTACTED THE IRS THEY WERE NOT SURE WHY THE BANK WAS STATING THE CHECKS WERE FRAUD BUT THEY DID confirm they never received the checks back.i was told to do a tracier with the dept of treasury because i never received the funds. once the trace was completed it was deemed that navy federal still had the checks and it was nothing they could do because i signed and deposited the checks. i then contacted the bank again they stated that the checks were deemed most likely fraud by the check verfication dept because it was 6 of them. but they were never paid for the checks so they are not relasing any more info to me.

i obtained a tax transcript from the IRS showing the checking were sent out to me and no funds were never sent back on my behalf.

navy federal also closed my account due to high risk activity and cause all the otherf banks to close my accounts as well.this has effected my business terribly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 non-monetary relief