BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I WAS GIVEN A {$50.00} GIFT CARD ISSUED BY XXXX XXXX XXXX XXXX LICENSED BY XXXX XXXX XXXX XXXX. 
I LIVE IN PENNSYLVANIA WHICH PROHIBITS FEES THAT REDUCE THE AMOUNT OF THE CARD. I FOUND OUT ON XX/XX/XXXX THAT THE CARD IS ONLY WORTH {$20.00}. INACTIVITY FEES OF {$30.00} WERE DEDUCTED FROM THE CARD. THIS GIFT CARD EXPIRES IN XX/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 explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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 recently checked my credit report and noticed inaccurate and fraud information on my credit report. I have called and disputed the information on my credit report and has provided proof. Experian, XXXX and XXXX are reporting inaccurate and untrue accounts on my credit report. I called each company and the companies referred me to file a dispute with the credit bureaus. The accounts that needs to be REMOVED AND DELETED are XXXX XXXX XXXX XXXX XXXX # XXXX. The XXXX  account is XXXX XXXX XXXX account # XXXX. I have never authorized these companies to obtain my information. I never signed and agreements with these companies for services, or goods. I was told to submit my XXXX  identity theft report along with proof of my identification and address. I followed through with all the steps to prove these accounts are fraudulent and I have never authorized these companies to obtain my credit information. I am unsure how they received my information.

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 2022-08-06
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Wells fargo is delaying to send me my credit card agreement to check terms and conditions of this home projects card. 

I called wellsfargo 2 times over a month ago, and spoke customer service agents to whom i had requested for CREDIT CARD agreement for my wellsfargo home projects credit card ending in XXXX, so i can check terms and conditions, and they promised that i would receive it within XXXX to XXXX weeks, but its been a full month, and i have not received my credit card agreement. 
I am extremely disappointed at this XXXX customer service and almost purposeful delaying of sending customer their copy of credit card agreement. 
As to keep customers in the blind as much as possible about card agreement and terms and conditions. 

Very disappointing and deceptive pratice from Wellsfargo.

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 2020-05-24
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my home loan was bought from XXXX by New Rez. Each month they tell me my pmt was late and i owe late fees. Several times I have sent documentation from my bank to New Rez to validate they cashed my check before the due date. This seems to work until the next payment is due and then I have the same problem. This is costing money and time. When I speak with someone in cust service they say my accnt is fine. When I request a payment summary statement it shows all pmts made before the late date. I am incurring late fees. My accnt # with New Rez is XXXX thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is my third complaint, regarding this issue. A consumer Ligation attorney has advised me create this paper trail between myself and the XXXX XXXX. The response letter you sent shows you wholly responsible for not reporting my account accurately to the Credit Bureaus. If you do not fix this issue, My next step will be litigation. I opened a Car Loan account with XXXX XXXX XXXX in XX/XX/XXXX. I have made on time payments since then, see documents attached. I notice on XX/XX/XXXX that XXXX had completely taken off the account from my Transunion Credit Report, i have spent the last 3 weeks trying to resolve this issue with XXXX. This has impacted my credit score. I need this XXXX to report this account to Transunion, XXXX  and 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 2021-02-26
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There was an agreement in place as a result of COVID-19 for payments, which I was unaware had met its term until the late notification. Once advised of the payment status, it was brought current right away. I reached out due to the mis-communication regarding the agreement and thought the tradeline was corrected. However, I pulled my free report only to find that youre still being impacted with a XX/XX/2020 30-day late hit with the credit bureaus which has impacted your scores greatly. It is my hope that given the unsettling year 2020 was with the ramifications of COVID-19 ( in all aspects ) that Ally with have empathy at this time and reverse the XX/XX/2020 30-day late hit with 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 non-monetary relief
Consumer complaint received 2021-09-02
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I truly feel like a ping pong ball at this point I sent a letter to Amerifinancial certified receipt ( XXXX the ending of XXXX I never received a response. I later discovered the wrong address was listed on XXXX  website so I filed a complaint with cfpb please reference complaint # XXXX. Amerifinancial told you guys that they couldnt locate my account. Why is it still reporting. I know you guys are busy be aid me in making this company validate the debt please I cant afford to keep sending mail certified this account has already been removed from XXXX  and XXXX  only XXXX  is reporting this Im asking for validation of this medical debt that I have declared numberous times doesnt belong to me! Sorry if I should disrespectful Im just frustrated please help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Asset Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
AssetRecovery for XXXX XX/XX/2018 {$6500.00} {$7800.00} I filled out and received XXXX  & personal XXXX as of last year.. 
Both companies keep calling me all day everyday to collect the debt I have already filed for and they are leaving it on my credit report, damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I purchased an item on via PayPal on XX/XX/21 for $ XXXX. When on the pop up screen I noticed I was unable to chose my payment option. I then went to PayPal to check the status of my account. Everything seemed ok UNTIL I tried to add a bank account. I requested customer assistance. I have been blocked from messaging the company. I tried calling PayPal, they are NOT answering their phones. You can not message them via email, they will not answer their phones, their website is malfunctioning, and their automated system is having issues. They have blocked any effective form of communication. 

They have control of my money but I have NO access to remedy any issue with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: MS
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 contacted XXXX XXXX XXXX XXXX explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). XXXX responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 contacted XXXX XXXX XXXX XXXX explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). XXXX responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for

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 2021-11-05
Company: EQUIFAX, INC.
State: MD
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:
FRAUDULENT ACCOUNT REPORTING THAT I HAVE NO CONNECTION TO. 
ACCOUNT NOT IN MY NAME NOR AM I A PARTY TO SAID ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: JPMORGAN CHASE & CO.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card and XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2021, I recvd an alert that a derogatory account was put on my credit. After checking the info I notice that I hadn't ever recvd any info from this company Vance and Huffman LLC asking for any debt verification from myself to even advise if debt is mine or not. They have added info on my credit report claiming to be a collection agency with a balance of XXXX, without sending me a notice of a debt and that is a violation. Further more per checking the Secretary of State website this company doesn't show that it is even bonded to collect in the state of Texas. I would like the information removed from my credit reports immediately. This company is in complete violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX   XXXX XXXX {$460.00} XXXX XXXX {$11000.00}

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 explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have spoken with numerous representatives regarding this matter with this company XXXX XXXX XXXX and this company is still reporting on my credit report from Experian this company should be removed immediately and Experian is refusing to update my credit report with accurate information

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 2020-08-27
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: Personal information incorrect

Complaint:
In XX/XX/XXXX I requested a free annual credit report from Trans Union, XXXX, and XXXX. 

Received written reports from XXXX and XXXX but Trans Union responded with a written request for verification of my current address - which house I own, and where I have resided, for 52 years. I called Trans Union and spoke with XXXX, a gentleman, and explained that my street address is correct but included " XXXX XXXX '' which is not correct and this is our single family residence that has been in their file since purchasing the house. XXXX stated he would make the correction. This error surfaced with Trans Union after my obtaining a credit report in XX/XX/XXXX ( that reflected my correct address ) but before obtaining my most credit report in XX/XX/XXXX. As of this date I have not received my requested credit report from Trans Union. 

Upon reviewing the credit reports from XXXX and XXXX the same address error was recognized. 

I telephoned XXXX next because their written report reflected a loan ( or credit card ) with XXXX XXXX in XXXX TX telephone # ( XXXX ) XXXX account # XXXX. Reported, was a high credit of {$740.00} and a credit limit of {$17000.00} with account opening date of XX/XX/XXXX in addition to the " XXXX XXXX '' address error. My telephone call to this number resulted in it being XX/XX/XXXX - with whom I have never conducted business. After over two and a half hours on the telephone, and speaking to five representatives ( all of whom I requested to speak with a supervisor ) I gave up as it became obvious that the representatives at XX/XX/XXXX are not capable of complying with my request for a supervisor. None of the issues have been resolved as of this date. 

Lastly, it is anticipated the same lack of cooperation with XX/XX/XXXX representatives will be experienced therefore, this complaint in seeking a resolution to include XX/XX/XXXX. 

Having over XXXX years in running a XX/XX/XXXX, owning my own XX/XX/XXXX company and XX/XX/XXXX as well as serving as XX/XX/XXXXto the XXXX XXXX XXXX it has become obvious that the credit reporting agencies that are now providing their services are not to be trusted in providing same. 

Your assistance would be greatly appreciated is assisting with the corrections above described.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX in conjunction with XXXX XXXX, XXXXXXXX XXXX AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

Since XX/XX/2020 I have been disputing a dismissed bankruptcy with NO replies from any of the bureaus! I have sent a dispute on XX/XX/2020 and again on XX/XX/2020 and still have had no responses. This bankruptcy is old and obsolete and no longer legally exists.

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 2021-02-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 i was garnished through my bank account i has revived two legal fees that day one for the said garnishment and XXXX for XXXX which i was given no reason i called the bank multiple times including corporate offices to get a different answer each time to find out after three days it was the bank who took the money. I then called the bank to ask why i was not informed of the garnishment and to which i was told they did not need to? After which i revived two letters from them at different times one stating that XXXX dollar fee would be charged to my account for this type of action if the available funds were there the other was a statement for my account stating that they overdrafted my account with the garnishment ( which is illegal in mi ) because they choose to take their fee 100 % befor taking the garnishment out. I have spoke with multiple people at different times asking to be reimbursed for the illegal action taken on my account to which i was told no they would do nothing they were in the right to do so. I then contacted my attorney and had them mail a letter asking to have this issue resolved after the three week dead line we have had no response from the bank by letter or phone to either my attorney or me. This just says to me that the bank can take your money even going against their own contract and not be held responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Sixty Days??? For what??? They will not respond to my request for accounting statements of all payments and charges. They lock you out on the website and put up notices you can't pay your loan off. They are charging me a monthly {$300.00} with NO balance due listed. They would still be debiting my account for {$400.00} if I didn't stop it. They are lying and stealing from me and you are going to give them sixty more days to charge me more fees, interest and whatever. I demand this be stoped now. They send me XXXX form emails, They say I have to call them to listen to there XXXX sales pitch. They will not send me any legitimate loan documentation and they are drawing this out to force me to pay more every day. 


-- -- -Original Message -- -- - From : CFPB XXXX To : XXXX XXXX Sent : Wed, XX/XX/2022 XXXX am Subject : The company has responded that it is still working on your issue. 


CFPB Header ( XXXX ) XXXX consumerfinance.gov The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Payday loan, title loan, or personal loan ISSUE Problem with the payoff process at the end of the loan Log in to view company response First time logging in? Set up your password

Company response to consumer: Closed with explanation