BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I paid a balance of {$26.00} on my discover credit card of a bill in XX/XX/XXXX, and they didn't clear the balance after I have paid the bill.in XXXX when my credit card expires and I didn't renew the card, the account was closed by them leaving the balance on it.I didn't know about that since I never used the card since then and left the address.I accidentally found I still had {$26.00} charge off and had negative record because of that in XX/XX/XXXX, I contacted discover, paid another {$26.00}, and they written it off.since it was a record in XXXX, which I already paid off, the record should be taken off after 7 years, I filed a claim with XXXX, after the investigation, nothing has changed except the closed account becomes charge off again.They ignored the fact that I have paid off on time in XXXX and again in XXXX.I ask for further investigation.XXXX  Claim ID # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a checking account with Bank Of America. On XX/XX/XXXX, a wire transfer for {$2300.00} to a person that I don't know, under the name of XXXX XXXX, took place. On XX/XX/XXXX, a second wire worth {$2400.00} was wired to the same person. I DID NOT AUTHORIZED such transactions. I don't know that person. Those were fraudulent transactions and Bank of America failed to send me email Alerts to me alerting me about such fraudulent transactions that took place behind my back and were never authorized by me. As I never received email alerts, I couldn't react on time to halt or prevent the bank that my checking account was being hacked. 
I placed a complaint against Bank Of America, which denied my claimed, saying that I have authorized such transactions. On the cited days, I didn't receive text messages from BOA on my mobile, which means, I didn't program wire transfers on those days. I DID NOT AUTHORIZED SUCH TRANSACTIONS, AND BANK OF AMERICA FAILED TO SEND ME EMAIL ALERTS ABOUT SUCH FRAUDULENT TRANSACTIONS.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive contacted the credit companies stating that the information on my credit report is incorrect they did an investigation and it is still incorrect the accounts are XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act those accounts have violated my rights. 
15 U.S.C 1681 section 602 A section2 : It also states a consumer reporting agency can not furnish a account without my 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 2020-12-04
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: Old information reappears or never goes away

Complaint:
The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: NC
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:
XXXX, Equifax and XXXX  Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months XXXX  has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The 3 Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX doesnt even own the account any more. 

XXXX  # XXXX Next issue is this account With ( XXXX   ONLY ) XXXX XXXX XXXX # XXXX I have a active account with this company thats in good standing never missed a payment Yet XXXX  has 2 accounts the one that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other 2 bureaus only XXXX  who is reporting this chargeoff the other 2 bureaus have the correct information which should just be the one account I have with this company I contacted the card company and they only have the card im currently using i explained that to XXXX  for months now and have been disputing this account and they wont remove it. 



Next issue is with ( XXXX  Only ) XXXX  and Equifax removed this account for being inaccurate years ago I contacted the company company and they have no record of the account XXXX  says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX/XXXX  I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted XXXX  they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company ( XXXX XXXX ) has Removed the account from all 3 bureaus XXXX, XXXX and Equifax wont remove the XXXX/XXXX  they keep referring me to contact XXXX  and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-12
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2020-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX  intentionally refused to send debit card connected to checking account while I was a visitor in XXXX. Caused me to lose apartment approved for. etc

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 2023-05-06
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX is reporting a fraudulent account to Experian, XXXX, and XXXX. 
Which is a violation of the FCRA

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TransUnion, XXXX  and XXXX  Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months XXXX  has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The XXXX Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX XXXX even own the account any more. 

XXXX  # XXXX Next issue is this account With ( XXXX   ONLY XXXX XXXX XXXX Bank # XXXX I have a active account with this company thats in good standing never missed a payment Yet XXXX  has XXXX accounts the XXXX that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other XXXX bureaus only XXXX who is reporting this chargeoff the other XXXX bureaus have the correct information which should just be the XXXX account I have with this company I contacted the card company and they only have the card im currently using i explained that to XXXX  for months now and have been disputing this account and they wont remove it. 



Next issue is with ( XXXX  Only ) TransUnion and Equifax removed this account for being inaccurate years ago I contacted the company company and they have no record of the account XXXX  says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted ComenityBank they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company XXXX XXXX XXXX XXXX has Removed the account from all XXXX bureaus XXXX, TransUnion and XXXX  XXXX remove the XXXX they keep referring me to contact XXXX and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all XXXX bureaus

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 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested copies of my credit report from the three credit bureaus. One of them, TransUnion has lowered my score since my first request three months ago. Additionally, some of my accounts have not been properly adjusted since they have been paid off.

My ability to obtain a house has been severly hampered as a result of the inaccurate rate placed on my file.

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 2023-02-15
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had an auto Loan with Wells Fargo. I had a wrongful repossession. They never fixed this with the charges and balance on the loan. I am looking for information on how to see if I qualify for the class action suit.

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 2021-03-30
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:
In XXXX and XXXX of XXXX I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. Also, XXXX XXXX -- XXXX XXXX -- - reporting three different dates of last activities. XX/XX/XXXX on TransUnion, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. Also, there are different high balances being reported. {$7500.00} on Transunion and XXXX, {$6000.00} dollars on XXXX. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you

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 2020-05-26
Company: DISCOVER BANK
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During the Coronavirus issue, phase XXXX, cycle XXXX, Discover Financial Services did not fully investigate options related to fraud and abuse as indicated with a renewed credit card. The new issued card had information that apparently rolled over to the new system however the crisis severely impacted my ability to pay my account on time and now I am concerned that I will have difficulties obtaining a student loan for the XXXX XXXX XXXX XXXX XXXX this fall. The pandemic is challenging and I believe that once again we can unite to formulate an outcome based on good decisions as demonstrated with my first television in XXXX XXXX, XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As I was impacted financially by the COVID-19 pandemic with losing income to my Family, I contacted Wells Fargo and requested assistance with delaying my mortgage during the process. They agreed to delay the mortgage for 3 months and at that time I would be able to see if I qualify to have the payments moved to the end of the loan or be responsible to make the entire 3 months missed payments at once. 

I contacted them and requested to move the payments to the end of the loan as I would not be financially able to make the payments all at once. Instead, I am able to make the XX/XX/2020 payment so essentially, I will only be 2 months payment behind at this point that I wanted to add to the end of the loan or spread out over 24 months. 

In the beginning when they placed me in the payment forbearance, they stated that they would not report the loan as late or charge any late fees. Although this is correct, they have reported the loan as in forbearance which has also had a negative impact on my credit report for all three reporting agencies, XXXX, XXXX and XXXX   have all received notice from Wells Fargo to place the comments, " In Forbearance not making payments '' which has impacted my credit score will all agencies by 20 plus points. This is very bad business practice and I feel they are exploiting the loop holes in the Care Act to allow for these mortgage options for those in need and there is little  we have as consumers to do about it. 

Now, I am planning to resume payments

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to pay all at once XXXX dollars so my house wont go foreclosure

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 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I constantly contacted Transunion and the creditors to remove the 90 inquires from my credit report they where done without permission through a car dealership, I even told the bank I didnt give them permission to run my credit. I just get sent in circles and nothing has been done at all.one sends me back to the other ones

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 2022-08-25
Company: JPMORGAN CHASE & CO.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I apply for a credit card with JP Morgan Chase Bank on XX/XX/XXXX. I applied online was approved instantly. On XX/XX/XXXX Chase closed my credit card account. I asked that the account be reopened or inquiry removed from credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX, Home Depot/CBNA, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX   ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, Home Deport, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX  ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and HomeDepot. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.

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 2023-03-05
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Calvalry portfolio services reporting incorrect information/ balances, account was settled by XXXX XXXX XXXX  and paid according to terms.

Company response to consumer: Closed with explanation