BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, my mother and I visited a XXXX discount furniture for a living room set. We ended up purchasing a set and placing the cost on a installment plan with Wells Fargo. The first bill arrived at my mother house approximately 2 weeks prior to the first due date on XX/XX/XXXX. I, her son, am in charge of her affairs as she is an elderly woman and does not have online access or can keep up with payments. I tried to establish an account online to make the payment on XX/XX/XXXX. The security measures Wells Fargo takes to identify my mother made it impossible to establish an account. One manner was calling her with a numerical code so that I can establish the account online. My mother, being elderly could not understand the Wells Fargo call and we were not able to establish an account online. I called the Bank several times that day to authenticate my mother over the phone and receive a temporary password to establish the account. The representative 's response was that they were unable to establish the account and that my mother an I had to visit a local branch to remedy the issue. My mother and I both live in separate states and finding a local branch ended up being very burdensome. The following weekend on XX/XX/XXXX, we coordinated a visit to the bank, having my elderly travel to NJ in the process. The branch was able to talk to a representative that provided us a temporary password and I established an online account and paid the amount later that day. After all of the running around, Wells Fargo charged us a {$27.00} late fee they did not want to waive. I called several times on XX/XX/XXXX and they made the process of even speaking for my mother difficult, even after she stated over the phone that she allows my privilege to speak in her regard. The late fee is a result of burdensome practices that made it impossible to establish an account online. Given their background, this may be another possible way for them to increase income. I file this complaint to aid others with the same issue and give rise to potentially another scheme Wells Fargo is plotting to raise income.

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 2018-09-23
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 a victim of identity theft. I tried to negotiate this matter with XXXX XXXX and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties in XX/XX/2017 however still harassed by XXXX XXXX legal team to make payments months later although payments was made in full in XX/XX/2017. XXXX XXXX is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. this is not a duplicate there are 2 accounts visa and master card same situation.

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 2018-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 a victim of identity theft. I tried to negotiate this matter with Capital One and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties in XXXX of 2017 however still harassed by Capital One legal team to make payments months later although payments was made in full in XXXX 2017. Capital One is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that Capital One absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. this is not a duplicate there are 2 accounts visa and master card same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Transunion via certified mail multiples in XXXX, XXXX, XXXX ( XXXX & XXXX ) and XX/XX/2021 about removing the fraudulent items on my report. They still have not the negative fraudulent items.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Credilife ...A Financial Wellness Company
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have never been a client of this company, nor have I given permission for them to contact me via ANY means, yet they seem to know my name and phone number. They contacted me via text message last week. This is not OK with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: VA
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:
This bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX card declined. 
Got a text from XXXX that a " fraud lock '' has been placed on my card for no apparent reason other than I changed my address to literally 1 mile away. 
I was notified to send a copy of D.L. and selfie to US bank website, which was literally done within 10 minutes. 
I called to get the card released so I could eat dinner it was not As of XX/XX/XXXX2020 @ XXXX hrs, it is still locked down. 
For the past 6 days I'm stuck eating rice, saltines, and oats for ALL meals. 
USBANK declares there's a slight delay which has now totally ruined my XXXX  meal, and they really don't seem to care.

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 2018-09-23
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 a victim of identity theft. I tried to negotiate this matter with XXXX XXXX and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties. in XXXX of 2017 however still harassed by XXXX XXXX legal team to make payments months later although payments was made in full in XXXX 2017. XXXX   XXXX is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies

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 2018-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has been inaccurately reporting my automobile account for several months now. The account is in collections/charge off and being reported as a repossession. The vehicle was never repossession even though payments stopped in XXXX of XXXX. The company informed me that They " pass, '' on the vehicle as of XX/XX/XXXX, which basically means that they won't be picking it up and don't want it back. Since XXXX of XXXX XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. It has recently been reported as closed in XXXX and then closed again in XXXX. Transunion and XXXX are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. Transunion and XXXX continue to ignore these inaccuracies even though they continue to see and report these fluctuations in my balance and account closed dates that change almost monthly regardless of the many disputes I have submitted as well as disputes by XXXX XXXX whom I have contracted with to assist me to do the job of the credit bureaus. I would like this account removed immediately from my credit file as it should have been months ago. I do not feel that Credit Acceptance is capable of discontinuing inaccurate reporting as there have been over 1,000, 000 complaints of the same nature filed against them with the XXXX and the CFPB. If this file is not removed in a quickly and timely manner, in hopes to reverse the damage done to my credit file and financial well being, I will being a lawsuit against Transunion, XXXX, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, XXXX AND TRANSUNION.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My identification card and debit card were stolen. I have no information on who would do it. The deposited fake checks using my PIN number. Unfortunately my pin was able to be compromised because it was easily accessible through my identification card. Now Im on the hook for {$16000.00}. Theres no way I can pay this off because 1 ethically it wasnt me and 2 i dont have that type of money sitting around. I feel this is unfair and solely being accused cause it was my pin. Theres no explanation on how they got my pin.

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 2020-05-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX Campus Partners, XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. 
XXXX is the only updated bureau. There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity theft. I have tried disputing claims with XXXX  and Experian to no avail. My personal information was taken from the 2017 XXXX  breach that took place. Please help me clear my name and credit. It has taken a toll on my emotional, mental, and physical health.

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 2021-05-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries on my FTC report. Please block and remove.

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 2020-09-14
Company: EQUIFAX, INC.
State: NJ
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 recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone without response causing immeasurable stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2019, I took advantage of TD Bank 's promotion which offered customers that opened a savings account and deposit {$20000.00}, a {$300.00} bonus after six months. After the six month period expired, TD Bank refused to provide the {$300.00} bonus.

Company response to consumer: Closed with explanation