BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.

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 2019-03-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed 2 charges on charge card on XX/XX/XXXX that I did not recognize. The dates were for XX/XX/XXXX for {$82.00} and XX/XX/XXXX for {$89.00}. I called USAA Federal Savings Bank. They said on XX/XX/XXXX they would remove the charges. I may not hear anything for several months. On XX/XX/XXXX I received a email that they were working on it. On XX/XX/XXXX I received a email that the case was closed and on XX/XX/XXXX these 2 merchants received their money back. I was very angry because they didn't give me the opportunity to state my case. They told me I could and I did but it didn't matter they had been paid on the XX/XX/XXXX. I sent a XXXX folder with my documents to the Corporate Office and heard from XXXX XXXX XXXX XXXX   XXXX I phone number XXXX ext. XXXX. She said that the Dispute Claim Stands. Then I sent her documents from the Federal Trade Commission that states that if you receive a free Item. You can not be billed for another amount later. It is against the law. Today on the FTC web side that third partys can not bill. Law 15 U. S. C. # # XXXX These were numinous names for which I was told was something they didn't care about. I only dealt with one company. XXXX and XXXX of Florida was who I got the Free Bottles from. Other names were XXXX of CA, XXXX XXXX  XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Do to being part of the XXXX hack a few years ago I purchased credit monitoring through XXXX XXXX XXXX part of Transunion ). During a recent refinance of vehicles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I have been a member for over 20 years financing and paying off vehicles, homes, and other loans, obtained a credit report from Transunion. That report stated that my credit score was XXXX and resulted in the interest being raised a full percentage point over what was originally offered. I immediately went on the XXXX XXXX website because I receive email alerts anytime there is a change to my credit score. I had not received an such email. The website stated that my credit score was XXXX and that had been the score on a chart for the last year. I then used a tool to update my credit score and it increased to XXXX. I also followed up with a phone call ( ridiculously hard to get through and the person I spoke to is XXXX, so was the supervisor I spoke to. I repeatedly asked to speak to someone in the United States and got denied. ) They did confirm that my credit score was XXXX but that there were different models use to determine scores and that I would need to talk to XXXX about the model used. I contacted XXXX, actually a person in XXXX XXXX working from home, they told me they were unable to answer that question, why my rate changed or what my credit score was.

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 2019-08-21
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Collection Agency trying to collect on a debt that is NOT a debt. The original creditor used another collection agency to collect the exact same debt. I disputed that one off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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 belongs to someone else

Complaint:
Upon checking my credit report, I notice an account from XXXX  XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX  XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My attorney, XXXX XXXX, XXXX. has offered Wells Fargo a short payoff amount of {$1.00} XXXX of {$1.00} XXXX owed. She has presented proof of funds from the buyer whom I am selling to. More than one year later, XXXX has not presented a payoff letter. The representatives have been hateful to Attorney XXXX and her paralegals. The Wells Fargo representatives are hanging up on her staff rather than giving Attorney XXXX  an answer on the status of a decision. Secondly, Wells Fargo has requested the same paperwork over and over again for more than a year. Usually after 90 days, Wells Fargo will send me a letter claiming that the submitted documentation is insufficient to decide on a decision. Note : Wells Fargo is requesting the same documents I had already provided months before. But, I do provide them. Next, I am always receiving letters saying that Wells Fargo will have an answer on or before XX/XX/2021, for example. But, the deadline will pass and there is no response. I need to know from the Consumer Financial Protection Bureau why Wells Fargo continues to delay providing a short pay off letter to that I can sell this property to an approved buyer who has provided proof of funds.

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 2022-10-28
Company: Experian Information Solutions 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: 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  Account Number : XXXX, Court : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX, 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 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 or 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 2022-07-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified by Chase I owed money for use of XXXX XXXX  services.. XXXX  As a XXXX alumnus I contacted XXXX directly XXXX 
They told me that my account had been hacked and they would resolve. 
Charges were withdrawn Then charged reappeared. I contacted XXXX, Chase. 
By then it was determined that using my credentials the services we utilized by via XXXXwo IP addresses.

The breach of my account is a matter of record.

I contacted Chase Security and requested information about the charges an identity theft.

Chase security manager didnt have a clue. I tested her with a couple of cybersecurity questions I used to interview candidates to determine what the capabilities of the Chase team Their procedure was to believe what they were told by their enterprise client.

I have a meeting set this Thursday regarding my account usage, which is zero as I use Alphabet and XXXX XXXX. I just dont believe in XXXX qbit approach. 
It is easily verified that I always pay my bills and still do. Except this Chase charge.

I do not pay for something I didnt use.

I want all of the Chase data provided to me to get this resolved before I file charges against Chase. 
I will save emails files and provide the files if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: WELLS FARGO & COMPANY
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My private student loan is with Wells Fargo. The issue is not directly related to the student loan. Rather it has to do with Wells Fargo handling of XXXX issues. 

A few years ago I was party to a class action lawsuits regarding how Wells did not accommodate clients with hearing loss. This is still occurring. 

Wells Fargo has an area on their website titled Hearing Impaired yet they only list phone numbers. Calling for help is very difficult for myself and others with hearing impairement. It seems prudent, especially after the lawsuit, that Wells would offer an email or chat option to accommodate those that can't hear so they can receive customer service.

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 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
during the pandemic they froze my card on numerous occasions, and took of some money. thanks XXXX XXXX the amount was roughly XXXX dollars.

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 2018-04-14
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Home Depot credit card, the problem I have is, that they have not send me any statements. I offered them to pay everything of except the interest, but it seems that are really interested in collecting some interest also. I always made my payments on time, until they load up my account with a bunch of interest, I talked to them trying to pay everything off except interest and its a No.

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 2015-10-26
Company: The CBE Group, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have sent a cease letter, twice. They continue to call. I have also asked for validation of debt in writing ( over a month ago ). I have heard nothing. Just non stop calls at my work. Then it goes to my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector is trying to collect a dept that is already paid. 

Referring to account numbers below. 

Account : XXXX {$31000.00} Account : XXXX {$570.00} Account : XXXX {$3100.00} All these charges are made up by someone at the XXXX facility. 

Amount of XXXX, XXXX was paid in full 0n XX/XX/2020 as agreed with XXXX XXXX Amount was deducted from my credit card by XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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:
Hello, I hope you can help me with this problem that I am having with the credit bureaus, especially with XXXX. 

It turns out that I have been sending letters to their offices to investigate certain accounts reported in my report, but the only thing I have received in return is being ignored by them, I have been sending them letters for about 4 months and they still do not deign to answer me. I am tired of trying to repair my own credit and not seeing any results. 

In addition, XXXX sent me a letter saying that they had " Suspicion '' that I was working with a credit repair company, to which I sent them a letter in response. 

I feel that they are playing with my time and credit since in the first letter I attached my ID and a Bill as they indicate on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Pro Com Services of Illinois, Inc.
State: MO
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:
Account Name : PRO COM SERVICES OF ILL Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection Account of {$420.00} The information above is on my credit report, and it's from a collection agency which is an infringement on my right provided by the Fair Credit Reporting Act because I was not informed in any way possible ( mail, email, or a phone call ) about the debt. I called the agency and I was told they sent a letter back in XX/XX/XXXX. I moved to a new address on XX/XX/XXXX, so I would have seen the letter ( s ) they claimed they sent. The most unfair part is the debt they claimed I owe is in the amount of {$420.00}, if I got the letter ( s ) they claimed was sent and I was able to verify the debt, I would have paid it. I have an unfair negative item on my credit report because of this.

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 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
2 letters to the Comptroller of the Currency 2 letters to the President of the Bank of America 2 letters each to Senators XXXX and XXXX dozens of emails and telephone calls to XXXX XXXX and XXXX XXXX of the Bank of America In each explaining that because of the novel coronavirus pandemic we as senior citizens of advancing age with serious medical conditions can not work. That in fact XXXX XXXX had to quit her job of XXXX  years because we are in the HIGH RISK category of catching the novel coronavirus No reply from the President of the Bank of America! 

Today we received a telephone call from an employee of the Bank of America from Florida. He denied our many times repeated request to reduce our monthly car loan payments to {$500.00}! He threatened to repossessing our car! He threatened to take us to court. 

Earlier today we received a letter from the Bank of America in which it demanded that we pay the amounts on the car loan that we have not paid and threatened to take us to court and to repossessing our car. 

This after all our many communications concerning the novel coronavirus as set forth above. 

The Bank of America is being brutally cruel to us, totally and completely unsympathetic and empathetic and unconcerned! 

Nor are we talking about {>= $1,000,000}! We are talking about the difference between the original monthly payment of {$770.00} and {$500.00}! And to think that the Bank of America won't bend an inch, won't budge even one penny!

Outrageous, appalling, an abomination! 

Hollywood could not make this stuff up! Nor could Shakespeare have done so either!

The people in the Bank of America one of the wealthiest and largest banks in the USA are brutally cruel to us who refuse to help us out at this most dire time in the history of our beloved country! 

The Bank of America has tens of thousands of employees but no one has the moral integrity and decency to answer us and say yes, {$500.00} per month on the car loan! 

Obscene! 

We are co-signers on the car loan! 

Their conduct is almost criminal in nature! And certainly it is quasi criminal!

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