BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} ; XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXXXXXX Balance {$16.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00}.

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 2019-03-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in a modification process & Wellsfargo bank purposely delayed the process of my loan modification and never got in contact with my lawyer office on any issues and never communicated with my bankruptcy lawyer. To make it more complicated they switched home Presavation specialist every month or so ... So I would get lost in the process & they also took me out of the loan modification process so they can quickly close my case and take the house

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 2019-03-04
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After graduating with my XXXX XXXX it took me about 6 months to continue with my XXXX XXXX at a university awaiting my approval and to save up money to continue at a big university. I never once received any mail or phone call that my account was no longer deferred until I got to the university and they said I might want to give XXXX a call, I called and found out that my accounts were 180 days past due and that my number was wrong and that my address was old. They told me the school should have let me know that my account was longer in deferment, how can you say that when you are the loan service provider. Long story short I received a job offer from a local agency the reason for me going to school and taking out any loans and they told me credit was showing delinquent. So I called XXXX and explained them my citation they didnt even care no sympathy even when I told them about my career choice and how 6 months working there they do school reimbursement that could even pay them back even faster than I could just correct credit errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is about the inaccuracies that were inequitably furnished onto my Consumer Report. I came to know about these inaccuracies on XX/XX/2023. Due to these inaccuracies, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against embarrassed and refused several transactions.I did not give consent to XXXX, XXXX, nor TransUnion. Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies have been partial and have not shown any respect to my right to privacy.

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 2019-03-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On or about XX/XX/2019, an auto debit was made from my checking account for the full account balance of {$7500.00} instead of {$100.00}. This money was not available in my account. Instead, the American Express credit card company took my paycheck and my entire overdraft protection funds. As such, I was unable to pay my rent or meet my expenses for the month. I called them immediately and they said they would reverse the charge. They did the next day but two days later, they took the money from my account against without my authorization. I called Amex to ask for a payment refund. They agreed, closed the dispute, but never sent a check. 

I called them again and made the same request. They said they would refund it in 7 days. 30 days went by and again, they closed the dispute and never refunded the money. Once I saw this, I called them again and asked where was my payment refund. I explained that this was my paycheck. This time they agreed to send it via wire transfer. They said it would take 48 hours. A week went by and again no refund. I called again and they said they were mailing a check. No check ever came. They keep saying the funds are being sent back, but they keep closing the dispute. I need my money back as this has caused my family hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I fell behind last year on my car payments due to COVID. My employer tested weekly and if anybody tested positive he would send the whole office home for XXXX days. This happened numerous times. I contacted Wells Fargo and asked for help explaining what happened and was told I didn't qualify for assistance.I filed a complaint with CFPB and then XXXX from the executive offices at corporate called and provided anumber to call and said they would work it out. But when I call I am again told I don'y qualify. Last year I manager to get 2 Payments deferred ( not the whole balance due ). Then I was told this would be it even though I was still behind. My father made a double payment in XXXX to help. I was still behind in XXXX I received a letter statingthe enyire balancew was now due ( 37305.44 ) in XXXX equal payments of XXXX. I told them I can not afford this and also told them that I DO NOT AGREE TO A SELF HELP REPOSSESION AS THIS WILL LEAD TO A BREACH OF PEACE. I filed a complaint with the XXXX dept. of XXXX XXXX and comsumer protection on XX/XX/2022 and was told it was a national bank. 
I was told to contact the CFPB again.

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 2021-05-07
Company: SN SERVICING CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS COMPANY WAS TRANSFERRED OVER TO THEM ON XX/XX/2021. THE MORTGAGE COMPANY HAS BEEN SOLD TO SN SERVICING CORPORTATION AGENTS FOR XXXX XXXX XXXX XXXX AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... I HAD REQUESTED MORTGAGE ASSISTANCE FROM THIS COMPANY I HAVE SUMMITTED ALL OF THE INFORMATION THAT THEY HAVE ASKED FOR INCOME, PROPERTY TAXES, INSURANCE ON PROPERTY, A MONTHLY PRINTOUT DUE TO COVID HARDSHIP IM NOT MAKING THE INCOME I USE TO MAKE ITS BARELY ACCEPTABLE ... THE COMPANY HAD TURNED ME DOWN NOT WILLING TO WORK WITH THE HOMEOWNER THE RATEFOR THE PROPERTY IS OVER XXXX  % WITH A LARGE MONTHLY PAYMENT ... ITS A XXXX LOAN WITH AN ADJUSTABLE RATE ... THIS COMPANY STATED THAT THE XXXX WANT TWO OR MORE PAYMENTS A MONTH FOR XXXX TO XXXX MONTHS WHICH IS NOT AFFORDABLE TO THE HOMEOWNER.. ALSO THEY STATED THAT ITS A XXXX XXXX AND THEY DONT PRECIPATE IN THE GOVERNMENT CHANGES ... I THOUGHT THAT A MORTGAGE COMPANY SUPPOSE TO HELP THE HOMEOWNERS?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A credit card was opened with Bank of America using my identity on XX/XX/2016, I tried to dispute with the credit company but the bank said the account belonged to me which I never 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 explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX JPMCB CARD {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

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 2023-05-25
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: Information belongs to someone else

Complaint:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX I report fraud on my XXXX XXXX XXXX  ; Investigation was initiated. They cancelled old card, issued new card ; and waived the fraud charges ( see copy of email uploaded ). I have sent two certified letters now to XXXX credit Bureau to correct that information and a third letter being sent tomorrow XX/XX/XXXX but they correct it and then a week or so later they deduct my points referencing the same fraudulent credit card. I have sent them activity summary provided by XXXX  ( see uploaded copy ), but again they have not addressed that issue.

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 2018-05-01
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an account with American Express under the following terms, as confirmed by their own customer service representative and in my card contract : " XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. '' The terms of this offer were met by XX/XX/XXXX. As an example, I spent {$2200.00} in my third month of card membership ALONE. My account was not credited with the award miles within the one-two billing statements quoted in the contract. I opened an issue with the customer service on XX/XX/XXXX. I was told to wait 6-8 weeks for this to be resolved. During this time, I never received an update or resolution. After opening an initial complaint with XXXX, I received a letter in the mail " response '' that essentially asked me to continue to wait. After 8 weeks had passed, I again checked on the status of my issue. I was informed the case was closed as a result of me contacting the XXXX. I was then told to wait an additional billing cycle. This was on XX/XX/XXXX. My next billing cycle began XX/XX/XXXX. I contacted the company today, XX/XX/XXXX. American Express now states that their resolution team is working on the issue and will contact me when there is a resolution. There is no quoted timeline for resolution, despite having had over 12 weeks to work on this issue. The resolution of this issue is very simple. All that needs to happen is for an individual to look at my first three credits to confirm that I spent well over {$3000.00} on this card in the required time frame. This should take less than 5 minutes. There is absolutely no reason this could not have been accomplished in the last 3 months. I feel American Express has not followed through on their terms of the contract, is using stalling and stonewalling techniques to continue their lack of follow through, and has not made any forward movement on this simple, outstanding matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
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: Their investigation did not fix an error on your report

Complaint:
There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

I did not give them written instructions.

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 2019-03-04
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: Account status incorrect

Complaint:
On XXXX and XXXX and Equifax Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: TN
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:
I been dealing with a issue with Experian Report Number XXXX Date Generated : XX/XX/2021 back in XXXX I paid off my car loan with XXXX XXXX XXXX Account XXXX the dealer offer me a settle offer & i agree to pay off the loan. The following month after the car was paid off sum reason my credit file was incorrect & also the account says charge off account which that's incorrect. XXXX XXXX sent me a letter that's says the car is paid in full not, Account paid in full for less than full balance which that on my Experian report i can not get a car loan with this incorrect accounts that on my credit report. i have all my letter from XXXX XXXX its not making any sense why this showing a charge-off or paid for a less amount XXXX XXXX agree on this pay off not me so i sent them the pay-off payment so this shouldn't be a bad account on my credit file Experian is the only company that have this account show as a bad account this is so wrong i never miss a payment with this company i call Experian about his issue so many times & Experian will not fix this account show as a good account & paid & full & the miss payment also incorrect. Its not making any sense why would a company agree on a {$1400.00} payment to payoff this loan but on my Experian credit file say {$17000.00} that's not right at all. All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 

15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD ... ...

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ;XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon applying for credit I was denied for several reason one being an auto loan finance threw CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX witch I never inquired or knew I was being charged for the loan it's not my debt XXXX XXXX XX/XX/XXXX XXXX I tried to dispute it with them and they wanted a written letter but after 30 days they would receive it thats not acceptable for me.

Company response to consumer: Closed with explanation