BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-07-31
Company: Williams & Fudge, Inc
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
William Fudge is not licensed to collect a debt in Missouri. Williams & Fudge , Inc. XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to apply for a loan modification with my loan servicer SLS ( Specialized Loan Servicer ) lender, I keep getting the run around I have sent complete income packages, and my lender keeps on lying, playing with me. 
I first receive phone calls that they have received the package, then they tell me that they are missing a few documents, which I sent back right away, then I get a phone call that they did not received a complete package. I have sent my documents over XXXX times and they keep on loosing my document, ( this is not a game this, I became XXXX this is XXXX of the reasons why I felt behind on my home. 
Is also very difficult to call SLS, every time I have tried to call them I ca n't get through, ( only when they call me )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
New Information Pertaining to complaint # XXXX I am enclosing the information responding to the violations to my consumer report and the laws that have be broken I request that the CFPB review the forms and hold Ally financial liable for the laws broken as pursuant to FDCPA & FCRA. Forms are attached for review. I would like to know the method of verification once a decision is made as not to close my dispute without a agreed upon result.

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 2016-10-26
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XX/XX/XXXX ; or XXXX, from XX/XX/XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had Medicare since XX/XX/XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After being a customer for almost ten years, I received a notice, dated XX/XX/22, stating my account was being closed due to " Irregular authorized user activity on one or more of your accounts. '' After reviewing my credit card user agreement, no where does it state that I can not add and remove authorized users. I would like my account reinstated and reporting in good condition as it was when my account was closed because I did not violate any of the terms of using my card. 

A phone call with a customer service representative, XXXX, stated that having more than 4 authorized users on an account was against policy and I had 5. However, that isn't listed in any of the user agreements provided to me when using this account so I believe this is against consumer protections.

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 2016-06-26
Company: Netspend Corporation
State: NV
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fees

Complaint:
When I prepared my taxes through XXXX XXXX. Once you complete your tax return you have several options for getting your tax return. One of those options was a netSpend Premier Visa Debit Card. Seems easy but read the fine print of the agreement before you opt for this card. There are fees that will deplete your refund and they will continue to charge you fees into a negative balance. The only way you can do business with them is through the Internet. There is no monthly billing, no statement of charges or purchases and no notification of your balance or fees charged when charged. If you call and try to close the account with a negative balance they will tell you that they will charge off the negative balance and off course that will go on your credit bureau. You options are to go to a XXXX or XXXX, load put money on the card to clear the negative balance then call them or go on the Internet and close the card. After raising the roof with them, being that it was a small negative balance they agreed to waive the small negative balance and close the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-06-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/2020,,, Cont,,, Issues With Wells Fargo Bank,, I Did Received Two Responses Back From Them,, One Letter Came From,, Wells Fargo,, With The Black,, Logo,,,, ( XXXXXXXX, Executive Office Case Specialist,, XXXX Complaints,, Second Letter Came From Same Company,, One Letter Dated XXXX, XXXX,, 2020,,, Other Letter Dated XX/XX/2020,, From,, Mrs XXXX,, Escalated Complaints Specialist,, Centralized Line Of Business Escalated Complaints,, And, About, XXXX, Today I Sent A Email To The Company, XX/XX/2020,, Due To The Covid19,, I Needed Some Emergency Assistance To Help Me With My Family ( Hardship ),,, They Did Not Response Yet,, My Bank Account Is Still In The Negative,, XXXX,, Why? And When You Go Line There Isn't Anything About Emergency Assitance It Not Offer To Me As A Loyal Customer?,

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 2022-01-31
Company: Experian Information Solutions Inc.
State: TX
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2016-11-01
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card
Issue: Transaction issue

Complaint:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate a charges on my Chase card from XXXX XXXX XXXX on XX/XX/2016 of {$3000.00}. I just did a complaint but forgot to mention this charge, there are so many of them that It is hard to keep up and remember all of them.I got contacted by this company by an unsolicited telemarketing phone call. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: TN
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:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I am a victim of Covid 19 and legally you should not have put them there.

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 2020-06-14
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
While I was questioning the hold put on my account, M & T Bank, XXXX New York closed my account. They were, at my request researching a missing deposit in the amount of {$4700.00}. They just dropped anything they were doing and closed my account, the notice that they were closing said it would close on XX/XX/15 which would allow me time to receive my social security check which is deposited into the account, instead they closed it on XXXX. Lost to me is my social security check and a deposit of {$4700.00}. I can not afford an attorney to help me re-open this matter. They just said the account was closed, no explanation. Can you help me? 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi sent me a letter and fraudulently closed my credit card account that I have had since 2018 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very XXXX  that the card was shutdown.

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 2022-01-31
Company: EQUIFAX, INC.
State: GA
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 sent my letters off on XX/XX/2022 stating that my the reports on my credit are invaild and need to be removed no, and I haven't yet to receive any updates on it. I'm just frustrated and aggravating that I have negative reports that are not mines and I'm getting angry just by the fact that it is not only affecting me, but my family also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I filed numerous complaints against NELNET to no avail. I have submitted multiple correspondences to their corporation asking them to please submit validation and verification of the debt they stated that I owe ; and as of to date, they have failed to state a claim in which relief can be granted and they are still reporting numerous accounts on my credit profile. I have ask them to cease and desist all communication with me until they have provided me the original document with my wet-ink signature and they have yet to provide any documentation to me. If they claimed that they loan me any " money '' than it should't be this hard to provide me with the documentation but the truth is they never loan me any money it was my signature on the promissory note that created the funds and why are thy reporting numerous accounts on my create profile when there was only XXXX promissory note. I am tired of the fraud that have been committed against me and I am coming to you for help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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:
Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 NOT CAPTURED - XXXX XXXX XXXX - XXXX ; and XXXX XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone stole my identity and applied to many different credit card company 's using my information. These inquiries are on my credit report due to the fraud taking place. I contacted the credit card company 's and reported the fraud but the inquiries are still on my TransUnion credit report. They said I need to contact the XXXX XXXX XXXX and get a report. When I tried that I was sent to XXXX website. TransUnion also told me to get a deletion letter from the credit card company 's so they will remove the fraudulent inquiries from my credit report. One of the fraudulent inquiries is from XXXX Bank on XXXX XXXX ( XXXX ) XXXX the other is XXXX XXXX on 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 explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-06-14
Company: Experian Information Solutions Inc.
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:
I contacted Experian on XX/XX/2020 to dispute XXXX XXXX XXXX XXXX  on my report, my claim was that Experian should remove XXXX XXXX XXXX account from my report since it's reported multiple lates on my report, and XXXX XXXX XXXX failed in the past to verify old statements from my account, my original claim was that XXXX XXXX XXXX gave me permission to pay 10 days after my original due date, but after payment they still reported me late, I contacted the original creditor serval times but they didn't fixed the issue, so I asked Experian to remove it but they did not removed it, and kept this account on my report without proper proof from 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 explanation
Consumer complaint received 2020-06-14
Company: PNC Bank N.A.
State: PA
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 am trying to invest in a stock through the XXXX system/company. PNC Bank will not allow me to connect my account to give XXXX my information to invest in a stock/share of the company of my choosing.

Company response to consumer: Closed with explanation