BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and noticed a new fraudulent account. Transunion and XXXX are not on the same page about the name of the account and are not reporting factually. This is a violation of 15 US Code 1681b ( 2 ). Credit Reporting Agencies are required to use fairness and accuracy in their reporting methods. I have filed an Identity Theft Report and attached it below. remove the account please. Account : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After reviewing my credit report TransUnion had a Lien on my credit report that has been release. I have not file a formal dispute with TransUnion instead I wanted to file a case. So, I am uploading my information into the CFPB. This Lien should have been removed from my credit report once the release was recorded.

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 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.

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 2022-11-11
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: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2016 there was a deposit in my account of XXXX and more dollars and buy the on that same day I had withdrew {$200.00} leave old me {$200.00} plus answer by Monday one of the companies that would draw a monthly had taken out their portion of XXXX. Over the weekend the account was in - {$3.00} by Monday when I would deposited the XXXX that left the account with a few dollars left over and the company money was taken out by Wells Fargo. By Wednesday or so I recieved a call from the company I 've been dealing with that takes out money they informed me yet they have not been paid. When a calling Wells Fargo one of the representatives had an attitude and basically told me there was nothing they can do for me because I 'm not understanding where my money went when I clearly understood once they took out my money they have replaced it on Tuesday of XXXX which they had and for me as well and then came back on that Wednesday and told me I was negative and I can pay for anything which does n't make sense because the other bill is XXXX so if I have XXXX in the account why ca n't XXXX XXXX bill be paid this cycle became very repetitive and irritating

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 2015-07-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Wells Fargo has been issued a judgement against my bank account in which they took money out of for a debt that is not mine. In this judgement they can match my name, address, and birthdate but not a complete match on my social security number. Since the only thing that seems to be off is the social security number they are willing to give the money to the debt collection company XXXX and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX stores had an exclusive deal with XXXX XXXX for a store credit card. XXXX decided that they wanted to do business with Citi bank and not longer XXXX XXXX. I never authorized XXXX, XXXX XXXX or Citi bank to send me an unsolicited Credit card. I received a Citi bank credit card in the mail today. I never applied or authorized this transaction. I am under the understanding that it is illegal to send sombody a line of credit via credit card without exclusive authorization from the potential card holder.

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 2016-12-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
WF online offers nicknames and I tried it but it makes conflict with XXXX. So I tried to delete it and I ca n't, so my XXXX ca n't work correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, I visited XXXX to speak about a home mortgage. While in our meeting we pulled my credit reports. In review of all XXXX credit reports it was brought to my attention that Wells Fargo Dealer Services was reporting to XXXX that my auto loan was charged off at over {$7000.00} and I had not made a payment since XXXX! This information was COMPLETELY FALSE and was verified by the correct information in my XXXX and XXXX credit reports. I was advised by the consultant at XXXX to contact Wells Fargo Dealer Services and have them correct this immediately, and so I did. When I contacted Wells Fargo Dealer Services, I was given a fax number to contact the dispute department, which was only reachable in writing and by fax, I was told I could not speak to anyone in that department they did n't have a phone number. I told Wells Fargo that I was not disputing anything, I just wanted the TRUE and CORRECT information to be reported to XXXX, again I was told the ONLY way to do that was to fax the dispute department. So I did, and the correct information is now being reported HOWEVER, here we are, OVER a year later and I return to XXXX after I have fixed and cleaned up all my debt, and I am told that NOW Wells Fargo Dealer Services is reporting to XXXX and I quote ( direct from my credit report ) " Dispute Resolved ; Customer Disagrees '' AND NOW ALSO reporting to XXXX AND XXXX, again I quote ( direct from my credit report ) " Consumer Disputes after Resolution ''!!!!! ARE YOU KIDDING ME!!!!! I did NOT dispute nor did I not agree with the CORRECT AND TRUE information being reported to ALL of the Credit Agencies. I have absolutely no control over how my loans are being reported to any and all credit bureaus. It is not by my fault that Wells Fargo Dealer Services was reporting FALSE information!!! IT WAS NEVER A DISPUTE and I NEVER DISAGREED WITH THE CORRECT INFORMATION NOW BEING REPORTED!!! I want the dispute removed from ALL my Credit Reports immediately as this is hindering my ability to purchase a home!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: WELLS FARGO & COMPANY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My daughter applied for XXXX student loans from the Wells Fargo Student Loan Division to finish her XXXX XXXX at the University XXXX Kentucky. She graduated in XXXX 2016 and took a $ XXXX/hour apprenticeship position with a local Veterinarian while she applied for and awaited acceptance at accredited schools where she could complete a XXXX program and become a Veterinarian herself. Before her first payment towards the XXXX Wells Fargo XXXX loans came due, she applied for continued deferral and was denied. She appealed and was again denied deferral, and was told that she had to make the total {$390.00} monthly payments beginning XXXX XXXX, 2016. She only makes approximately $ XXXX/month so Wells Fargo is asking her to pay 40 % of her income towards her private student loans each month, which obviously does not leave enough left over for her to live on, so she would end up going into default on her loans in order to be able to pay rent and buy gas to go to work, etc. but Wells Fargo did n't care. Wells Fargo knew that the co-signer ( me ) would have to step in and make the payments on behalf of my daughter so that she would not go into default on the loans. In essence, by denying her deferral, they were side-stepping the borrower and going straight at the co-signer. I feel this, at a minimum is unethical, and hope that it is also illegal banking practices, similar to Wells Fargo 's other illegal banking practices that have been in the news lately, and would appreciate the Consumer Financial Protection Bureau 's assistance with this matter, and hopefully force Wells Fargo to reconsider and allow my daughter deferral while she awaits acceptance into a XXXX program.

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 2015-04-28
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/XXXX my wife applied for an XXXX XXXX card through XXXX. Instead of assigning her name to the card, XXXX XXXX assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in 3 ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had XXXX not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as XXXX is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
chase charged me {$34.00} NSF fees for a {$10.00} charge. i do not recall signing an agreement which states such. XXXX were supposed to use another card I had until I could figure out if the charges were valid. the debit card should have been suspended when I called in XX/XX/XXXX. the customer service rep in XXXX may not have understood what i was saying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I wrote to XXXX and XXXX of XXXX Chase regarding a dispute that was denied. I received a call from XXXX and she advised me that the call was being recorded. I asked XXXX to hold while I set up my recording apparatus and she told me that I was not allowed to record the conversation, which I then terminated. I wrote to XXXX to complain about this and XXXX wrote back that essentially that is JPMorgan Chase 's policy. So, they can record me but I can not record them. That is the nub of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase Cardmember Services XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX To whom ever ; I am a XXXX veteran and I am very upset with the practices of your bank. 
XX/XX/XXXX I was in a branch in XXXX XXXX and a bank individual mentioned to me that they had a credit card that you could transfer my balance into that card with a 15 month no interest offer. I told that individual at that time that the only way I would be interested in doing anything was, with the stipulation that they would transfer the balance on my other card.. That was the bait ... The switch came when they only transferred less than {$2000.00} ... which was not what I agreed upon. This has now caused my credit rating to drop almost XXXX points. 
At this point I am left with no other option to seek an appeal on your part before I file a small claims court action for the grief and the bait and switch tactics used plus damages to my credit, and before I cancel both my accounts. As I have already closed the credit card immediately after I received it.. 
In short, I would like you to expunge the credit card application from my records and notify the proper credit reporting agency that the report you supplied was due to your error. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed a XXXX credit card about XXXX to XXXX time with experian and XXXX I have also informed them that this account does not belongs to me. and got no place now XXXX is now reporting that the account is paid as agreed I dusputed once again asking them to investigate the account that I have no knowledge in what so ever also asked them to provide proof of who is making payments on this account but once again they both replied back to me as the account belongs to me. I mean in all fairness experian and XXXX should be able to provide me whatever result that XXXX provided them which to verify this account! I have file a complaint with the office of comptroller of currency on XXXX. I feel if the credit reporting company have said that they have investigated this they should be able to provide what type documents was use to verify this account in this case in which i have asked both reporting agencies at the start of their investigation was to provide me proof of any cashed checks, money order or whatever method of payments thats been used. both keep replying back that the account was verified and belonging to me. I have asked them verbally and in certified us mail to please send me copies and all I get is a verify as belonging to me. I want answer or my next step with to contact an attorney at law ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Northwood Asset Management Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly receiving robo calls from company I 've never done business with for debts I most definitely do not owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-11-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Chase Bank to re-finance my recently modified mortgage. Loan officer was fully aware of the date loan modification, and should have known prior to my application that it would be declined due to company policy. Now my credit rating is again reduced due to their negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of Identity theft and I sent Experian the police report along with identity theft affidavit. I have contacted the collection agency who is improperly reporting the information as well as Experian to let them know it is not mine they have done nothing. Experian also is reporting personal information such as a name that is not mine and addresses that are not mine as well. They continue to report this fraudulent information and will not send me the proper documents to support this fraudulent reporting. I am sick of this! Something needs to be done. Attached is just one of the many letters I have sent to them to request they fix this and they continue to play games. This information needs to be removed immediately!!

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 2015-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On several occasions ( XXXX ) I 've asked Experian to delete the record which shows a delinquency to XXXX account # XXXX. This request is based on the Florida Statute 95.11 which explains that no record should be reported beyond 5 years after the final payment made to the lender. 
The last payment made to this lender before the account charged off was in XX/XX/XXXX and it was sold to a debt buyer who settled the debt with me. Therefore, as per Florida Statute 95.11, the account should have been deleted no later than XX/XX/XXXX. Not only have they failed to delete this item timely but they 've actually continued to report it even after being notified, by me, more than twice that it should be deleted. 
Recently, I was turned down for a job which paid in excess of {$75000.00} per year because of this record they stubbornly continuing to report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief