BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
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 status incorrect

Complaint:
There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.

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 2021-04-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I closed our spectrum/charter cable account and was told a corrected bill would be sent to me after they credited our returned equipment and i could not pay the current balance until a corrected bill was sent. The cable company sent our corrected bill to the wrong address eventhough they had my correct billing address. They sent one bill to the wrong address and then sent it to collections for {$220.00} even though their automated system still said we had a zero balance. The cable company stated we owed {$1.00} on a separate account and sent it to collections for {$1.00} dollar. Ive sent a letter to the credit bureaus and 2 bureaus removed but equifax would not respond for over 90 days, they wouldnt remove as required and then said it was a valid account eventhough the company violated collection laws and guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I called to cancel and transfer my CD during the " grace period ''. After several go arounds with 3 different reps and an extended hold time with the last rep. I was told the money was placed in to my checking account and would show in 2 business days. This never occurred, I called back over a week later because the money was not in my account. I was told I was past my grace period and would need to go in to a branch or write in to have my account closed and cancelled. I was told there was no record of my call whatsoever and that Wells Fargo, does n't keep or complete account notes on accounts so there would be no way to see notes. I mentioned I was going to file a complaint and close all of my Wells Fargo accounts over the coming months. What a terrible customer experience and waste of time.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting an incorrect coding of the XXXX  partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 24 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-05-07
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
Hi. I have tried this once before, and if this doesn't help the second time I will take legal action angainst santander. Santander had an old account on my credit report that should have been deleted. As I do not check my credit since these companies are supposed to report accurately, I didn't know they had this older item on my credit. It caused me to be denied for several loans and rack up a lot of inquiries. When I finally found out what was going on, I had the incorrect item removed from my credit, but the inquiries that were left as a result were still present. When I attempted to resume my credit I was again constantly denied, and the main response was because I had too many recent inquiries. This is becoming a pain to deal with. Unfortunately for Santander I am not a poor man and have zero issue spending money for a lawyer and having them pay damages for the lost revenue I have suffered because of their mistake. After my last complaint they sent me a XXXX letter saying they had the right to pull my credit because I applied for a loan through their affiliation with lenders. That's understandable, but I wouldn't be getting denied if those inquiries didn't exist unnecessarily in the first place. I am allowing them the opportunity to correct the inquiries on my profile as they should before I take legal action. I have already retained my attorney and he is ready to move forward as soon as they issue another substandard reply to the situation they caused me with their inaccurate credit reporting practices. I hope there is a peaceful resolution to this as I am a business owner and pay my bills on time. I don't even have a doctor bill on my credit profile. But if not, there will be a resolution. I feel as though, and my attorney agrees, that inaccurate reporting should be resolved and also the issues that arose from the inaccurate reporting should be resolved along with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been dealing with Bank of America about this situation since XX/XX/XXXX. I since then have called multiple times and have gotten a few different responses Ive gone I to the bank and received no help. The last few times Ive spoken to someone in regards to my funds both supervisors and managers have on two separate dates garanteed me to have my money returned by a certain date. Ive been. Lied to and felt belittled and I dont think its fair for them to state such a thing and not have it be done I feel like Im just being brushed off.

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 2021-09-14
Company: WELLS FARGO & COMPANY
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:
I recently just obtained a copy of my credit report. This letter represents a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate, according to 15 U.S.C 1681, fair and accurate information must be reported to the credit report. The person to whom the alleged debt belongs to is not me. I am demanding validation of this debt according to 15 U.S.C 1692G, I am demanding that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. This inaccurate information is a mistake on your company or the reporting creditors part. Because of the mistake on my credit report, I have been wrongfully denied for credit recently, which was highly embarrassing and impacted my lifestyle. Additionally, and reporting this debt to the credit bureaus prior to allowing me to validate it may be a violation of the FCRA ( Fair Credit Reporting Act ) which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removed from the credit 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 2021-04-12
Company: WELLS FARGO & COMPANY
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:
There is a Wells Fargo account reporting on XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with Wells Fargo and XXXX  and they have failed to remove it from my credit 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 non-monetary relief
Consumer complaint received 2020-05-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a cruise to for travel on XXXX XXXX and the cruise was canceled due to COVID-19 and government suspension of further sailing from any cruise line. XXXX XXXX line advised they processed a refund on my debit card on XX/XX/XXXX, and the refund has not been credited to my bank account as of XX/XX/XXXX XXXX I contacted my bank Suntrust and filed a dispute to retrieve my funds in the total amount of {$650.00}, and they denied my claim, due to no fraud occurred and any funds debited from my account is my loss. Before filing the dispute, I explained to the bank that no fraud occurred against my account and I am requesting my funds to be refunded back to my account, due to the cruise line has not processed my refunds. The funds were taken on XXXX {$100.00}, XXXX {$200.00}, XXXX {$150.00} and XXXX {$200.00}

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 2021-06-02
Company: EQUIFAX, INC.
State: MO
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:
SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT : XXXXXXXX XXXX DATE OPENED : XXXX XXXX AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was charged by a restaurant for a purchase that was paid with cash. My credit card was given at the beginning to begin the tab. I disputed the matter with Citibank but they did not try to resolve 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 monetary relief
Consumer complaint received 2020-05-04
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An account limitation has been placed on my Paypal Account as of XX/XX/20 requesting that I provide an government Id and proof of fulfillment of a sale. That information was provided on the same day. On XX/XX/20 my Id verification was approved. I did not get any response on the fulfillment review. I reached out to Paypal via chat because they have closed there call centers and was told that the item had to be delivered before the limitation could be removed. My item was delivered and again I went back to chat and was told my account would reviewed in 24-72 hours this time elapsed and still no review was done on my account. I engaged chat again and was now told 10 days. I asked for a supervisor to contact me and was told by rep XXXX that her supervisor XXXX would call by end of day. Today is the XXXX day I have not received any phone calls and I am now receiving generic messages from chat that my account is being reviewed. I have no access to my funds which is being held by a company that it closed in a pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have requested on several occasions that unauthorized inquiries through Experian be removed from my credit report as I have no knowledge nor did I authorize the inquiries on my credit report. I have attached documentation with all of the inquiries.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I went to Transunion.com and looked at my free credit score. I was charged {$24.00} due to a trial. There is no way to get a refund, but I will say that is my fault for not reading the fine print. The problem is there is no way to cancel on the site. They have zero information on how to cancel. There is nothing found under the account, profile, or support tab. You have to leave the site and find answers in forums to learn you have to call in - wait over 20 minutes on the phone. This feels very deceiving and far too many steps to keep people locked into a monthly payment plan.

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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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/2020 XXXX ran a hard inquiry on my credit report. I called XXXX the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on XXXX 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to XXXX and the three credit bureaus ; TransUnion, XXXX and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, TransUnion and XXXX is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.

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 2020-05-04
Company: WELLS FARGO & COMPANY
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:
Due to Covid 19 I am currently not receiving a paycheck. So I called my mortgage company Wells Fargo as per the Cares Act to get a suspension of my mortgage payment. They told me on the phone they would not negatively report anything to the credit reporting agencies and it is my understanding that part of the Cares Act states that they are not allowed to as well. However that is exactly what they did. On my XXXX credit report it now states my account is in forebearance. As such my credit score went down 30 points.

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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2021-04-12
Company: EQUIFAX, INC.
State: PA
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 recently challenged the validity of XXXX XXXX  # XXXX {$2800.00} XXXX now {$2900.00} XXXX XXXX XXXX XXXX XXXX  {$440.00} # XXXX. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of the ability to properly verify all reported information being accurate. I noticed as a resulting of challenging the accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights is XXXX per violation. 
We also agree with the cogent observation by the fifth circuit that the plain language of the statute places the burden of re- investigation on the consumer reporting agency. See XXXX, 987 F.2d at293. the FCRA evinces congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the Collection and dissemination of credit information. the " grave responsibility, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: JPMORGAN CHASE & CO.
State: CA
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 lodged disputes with XXXX XXXX, Chase, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Beginning XX/XX/XXXX, I contacted Professional Debt Mediation Incorporated about a debt that was being negatively reported on my credit report. The debt was a mistake and I was given a letter from the property manager Office XXXX XXXX that stated I don't have a balance with their company and that I have a {$0.00} balance with them. The letter included the letterhead and well as a signature from the owners and contact information to contact them. I never received a response in XXXX. I once again contacted them on today XX/XX/XXXX and once again I sent in the information to them someone where I had sent in previous correspondence to them as well as the letters originally received from the property management office. Once I spoke with them to ensure they received documents I was over talked by an employee as I was trying to explain my situation. He pushy and rude and kept trying to collect an old debt that was out of the statue of limitations and has already been dropped legally from my credit report over 3 years ago.. I asked for a copy of my file that's when the manager was put on the phone. The manager then told me to email the information and documents that I have over once again to another party of their company. I feel that I have been treated unfairly because I don't owe this debt and I have provided proof numerous times providing proof that I don't owe this. This has made it difficult for me to find a place of residence for me and my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation