BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent investigation letters to each of the three credit reporting bureaus on XX/XX/XXXX, to investigate the XXXX XXXX account XXXX on my credit report. Each of the credit bureaus conducted an investigation and concluded that the account was verified and updated. Yet, at the end of the investigation, the payment history across the three bureaus is not 100 % accurate. 

For instance, after their investigation, Experian reports that the XXXX XXXX account ending in XXXX was 150 days late on XX/XX/XXXX, then there is no data until XX/XX/XXXX illustrating the account as a charge off. XXXX and XXXX, on the other hand, both report that I am 120 days late on XX/XX/XXXX. For XXXX, there is NO DATA until XX/XX/XXXX when the account is reported as a charge off through XX/XX/XXXX. XXXX is reporting a charge from XX/XX/XXXX to XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, the credit reporting agency should delete the account from the file of the consumer.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: BARCLAYS BANK DELAWARE
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX, 2022 - invitation to meeting for vacation in XXXX XXXX XXXX TX with XXXX Wyndham . Time share presentation with beautiful promises and as well Misrepresentation of the plan system along with Non disclosure of important keys information such as cancellation policy window of 5 days before contract is binding possibly intentional and told customer that they can cancel anytime instead if they do not like it. 
- Credit card Barclays Wyndham rewards, partner of the resort, is used as enforcer by harrasing customer with day and night phone calls, damaging my credit status to pay back a hefty down payment of $ XXXXplaced on my account with no proper consent and authorization to open a new credit card. The request was toobtain personal information to check our credit status. 
- after several requaest by phone and in writing to Credit card and merchant Wyndham the charge remaines onthe credit card statement. Initially on XX/XX/XXXX, credit card company sent a letter of clearing the balance and closed the account, and after reopenned a new account some of the carges by the mercahant and re posted the initial down payment charges to the new card. No clear reason!!

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: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from XXXX, Equifax, XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX I noticed various charges to my bank account to XXXX. I had noticed these charges before, but had assumed it was XXXX XXXX making purchases. I was not aware that our debit cards were different until I questioned her about it. When I discovered that these were all placed on my debit card I immediately contacted the fraud department at Wells Fargo, my bank, and an investigation was started on XX/XX/XXXX. Through talking with the first representative I reported it to, we were able to determine that the charges dated back to XXXX of XXXX and amounted to a little over {$7000.00}. I waited patiently until XXXX XXXXXX/XX/XXXX to find out that the bank is denying my claim stating that they can not determine there was fraud. I asked them if they had contacted XXXX to find out where the purchases were made and they said they hadnt. I never received any communication or questions about whether I made these transactions, which I hadnt. I was told by the supervisor in the fraud department that they looked at financial transactions and determined they couldnt prove fraud. I asked how they would be able to prove fraud without investigating at all but they stuck to their script about not saying there wasnt fraud but not being able to determine any fraud had happened and I could go speak to my XXXX XXXX XXXX if I needed it investigated further. 
I have been doing business with Wells Fargo for probably XXXX XXXX now and have never had a problem like this, but they dont seem to be seriously looking at doing anything if they are not even contacting any of the parties involved before making a determination. Could you please help me in obtaining my {$7000.00} back which was made over XXXX XXXX or so by someone who managed to set up an XXXX account with my debit card? 
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 2023-06-13
Company: OneMain Finance Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
When I needed to refinance my loan, they made me get additional {$500.00} added to my loan. One Main Financial stated that that was the only way to refinance my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: BERKSHIRE HILLS BANCORP, INC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Berkshire Bank received wire XXXX XXXXXXXX at XXXXXXXX XXXX. on XXXX XX/XX/2023. Their policy states that cash deposits and wire transfers are available immediately. However, they said it had to " process '' and the funds were not available the same day. This wire was a payment for a new vehicle which I was not able to get on a Friday and I sustained three days loss of use.

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: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have adjustable mortgage with three and a half percent Wells Fargo did not do the agreement and charge me seven and a half percent I lost a lot of money more than 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 2023-04-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$95.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00}. Also, I want to dispute XXXX XXXX XXXX XXXX XXXX account, Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was contacted by email Bank of America, XXXX XXXX, XXXX ; XXXX XXXX XXXX Complaint Operations Bank of America XXXX Extension : XXXX C- XXXX To confirm my previous CFPB complaint was actually done by me, I emailed back yes, got no response. So I called, straight to voicemail when it was NOT lunchtime/break time OR before/after his work hours. So I left a voicemail, it has been XXXX  days. He has yet gotten back to me. If this doesnt get solved I will continue to file complaints, my original complaint issue has yet to be solved so they just keep me on the line to be hanged. I XXXX  you guys so much 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 2023-01-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Some draw near XXXX from my business checking accountson XX/XX/XXXX, wells fargo returned most of them but {$23000.00}. I could make pay payrolls, rent and paying vendors. 
The bank told me that's too much money and can't help with that. 
They called XX/XX/XXXX, they will close my accounts because I am complaining too much... OMG.

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 2023-01-15
Company: Experian Information Solutions Inc.
State: MI
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:
A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Several times between XXXX and XXXX, my checking account was charged overdraft fees after pending charges were drawn because Wells Fargo was taking the charges out of order to create an overdrawn amount. They also charged the fees before crediting my deposits made within the same timeframe, which absorbed funds fraudulently. I contacted the bank several times, and in some instances, they returned some of the overdraft fees, however, most they would not return. Between XXXX and XXXX of XXXX, this practice resulted in over {$400.00} in overdraft fees alone, which they refused to refund in any part. During this time period, their practices resulted in the loss of an entire paycheck which set me back even further financially.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX XXXX applied for an auto loan 7 inquiries appear in my XXXX transunion credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.and several more in Transunion credit agencies claiming they considerer just 1 inquiry ... .that 's not true Requested delete 7 to 9 and leave 1 inquiry ... that's fair my credit report is damaged for that reason 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unable to modify my adjustable rate mortgage with Wells Fargo back in 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 2023-01-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XX/XX/ on my credit file and this item is negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has inaccurately violated my rights. 
Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. 
I applied for this inquiry XX/XX/XXXX and the removal date should have been XX/XX/XXXX, It still has not been removed.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: PA
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:
I did a thorough investigation and I have numerous items on my credit report from Experian and it's false. ( Items below ) I ATTACHED a picture of my recent utility bill to prove my actual address. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX TWICE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX LONGER XXXX THERE/ NOT MINE XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS

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 2023-01-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First I have looked for this judgement that was filed against me all over the internet and XXXX, XXXX XXXX XXXX XXXX XXXX pages and couldnt locate a single socket for it. There was XXXX for a magistrate in XXXX XXXX but was closed but nothing for XXXX court of common pleas. I don't have any knowledge ever signing anything regarding this judgement back in XXXX either. Recently I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX ) regarding a judgement recovery. XXXX XXXX XXXX, assignee of XXXX XXXX v XXXX XXXX, XXXX XXXX court of common pleas docket no. XXXX, mentions chase bank was the original creditor and the judgement was entered on XX/XX/XXXX. It's now XXXX and this is the first I have heard about this judgement from 11 years ago. Wasn't chase suppose to stop all judgements between XXXX because they got into legal trouble? Why is this company harassing me now and threatening to sheriff sale my stuff, bank accounts, ect? I just received a paper on XX/XX/XXXX and now as of XX/XX/XXXX I already received a second paper stating praecipe to update judgement debtors address. I seriously don't even know what to do regarding this but I'm not in a position to be paying unforseen bills when it's hard enough to get by as it is. I don't own a home, a car, nothing cause life is very hard to get ahead with the XXXX and rising costs of inflation we live in and all of a sudden someone tries to get me to pay something from 12 years ago. This is insane. XXXX hoping this is something that chase just missed and can be thrown out cause I really have nothing to offer them. I have all the documents I have recently received if you need the copies of them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion has continued to report errors on my credit report with XXXX XXXX for XXXX  XXXX. Now it's stating this account is open with a missed payment this account has been charged off and closed. How is this account open but charged off at the same time. This company keeps updating and reporting errors and at this point they are in violation of the Fair Credit Reporting Act..I 'm going to consult an attorney to see what are my options because this has been going on far too long

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Bull City Financial Solutions, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit score and it shows a negative account on my credit score. But I don't know anything about that account. I wasn't living in Florida that year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: SANTANDER HOLDINGS USA, INC.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting 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 noticed an inquiry on my file that I didnt authorize. I have been getting the run around. I was told it would be removed and it hasnt been.. I was told someone tried to open an Application and the creditor asked for proof of identity which was never received. The credit bureau said there have been nothing submitted by the creditor to have it removed. The creditor said they submitted information ti have it removed. I keep getting transferred and not one person is able to 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 explanation