BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Trans Union consumer reporting agency has not produced my written consent in order to furnish any of my accounts referencing to COMPLAINT ID 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 2016-02-29
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, a company that my fiance and I rented an apartment from, sent us a letter stating we owed a lot of money that we did not owe. We had my fiance 's aunt-who is a lawyer contact the woman who wrote the letter. Our lawyer, XXXX XXXX, also wrote a letter to XXXX XXXX at XXXX XXXX disputing the debt. XXXX XXXX agreed the amount was wrong and XXXX XXXX stated she would send a corrected letter to XXXX XXXX. Neither our lawyer, myself, nor my fiance ever heard from XXXX XXXX after XXXX 2015. The next thing we heard was that a collection agency was trying to collect a debt in XXXX 2015. XXXX never even corrected the amount owed. I finally told the collection agency that we had a lawyer, but the collection agency reported this debt to the credit agencies anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Wells Fargo credit card with 0 % intro on my balance transfers up until XX/XX/XXXX. When I looked at my statement this morning ( XX/XX/XXXX ), I saw there was interest charged to me in the amount of {$1.00}, even though I don't use this card for purchases and only for the original balance transfer offer. Contacted customer service after I looked at my last 2 statements and saw the 2- {$200.00} bank adjustments she directed me to that were put onto my account. 1 of those {$200.00} adjustments were put onto my account as a purchase instead. That customer service representative claimed that WF had a system issue that credited many accounts with too many payments so those charges were the bank 's adjustments. I confirmed my bank account was not drawn for those {$400.00} worth of payments but my issue was with how WF posted one of their adjustments to my account as a purchase and charged me interest on that transaction. Although they claim they resolved the issue on my account, I will not be able to see whether that is true for 1-2 billing cycles. This complaint is being filed on behalf of the many other customers that were affected by WF posting their bank adjustments ( to correct their overpayment error ) as purchases and are profiting through interest that should not be charged to their customers.

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 2021-11-12
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 the XXXX XXXX sent {$2000.00} to XXXX Bank in my name ( COVID relief fund ). On XX/XX/2021 I intiated a bank transfer from XXXX XXXX to my checking account in PNC Bank. Unfortunately, I entered an incorrect PNC Bank checking account number. After about a week when the {$2000.00} transfer never hit my checking account I started following up with XXXX XXXX. I corrected the checking account number on the XXXX XXXX record. Their escalation team indicated their records showed the transfer was initiated to PNC Bank. I checked with PNC Bank escalation team. They had no record of the transfer reaching PNC Bank. Both XXXX XXXX and PNC Bank escaltion teams asked me to check with the XXXX XXXX.XXXX XXXX XXXX escalation team indicated their record shows the money being " deposited '' on XX/XX/2021. I have had several conversations with the escalation teams from the XXXX XXXX, XXXX XXXX and PNC Bank. None can " find '' my {$2000.00} and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$960.00} DEPTEDXXXX XXXX {$22000.00} XXXX   XXXX {$310.00} XXXX XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$210.00} XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$17000.00}

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 2015-11-16
Company: Bryant Bryant & Associates LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company Bryant and Bryant contacted my wife in an attempt to contact me, but left contact information for me to return my call. The number was XXXX and it was XXXX XXXX. She pointed to a payday loan that I owed through XXXX services, but I have never taken out a payday loan. She was then trying to seek out other information or narrow down who I was, but I gave out no info. This was a very fishy sounding call and resulted in nothing that I know of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Seterus, Inc.
State: AL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Mother passed away XX/XX/XXXX, Father assumed mortgage on home. He passed away XX/XX/XXXX, and his left his friend in the home. I was just made aware the house was still in my mothers name alone, and the person living in the house was not making payments. The house is up for foreclosure and I have tried to contact the mortgage company and they refuse to talk with me even though my brother and me are the only heirs to her estate. An estate was not open XX/XX/XXXX on her due to the fact our father was still alive. I 'm trying to get belonging out of the home and possible save it from foreclosure if they would talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. These accounts have been reinserted and duplicated accounts after being remove and under XXXX that is a blatant violation to my personal credit and financial sustainability. 

I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.

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 2020-04-08
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a bankruptcy listed on my files. There was no bankruptcy ever filed it was dismissed. Both my lawyer and I have notified in writing submitting proof of the dismissal to all the creditReport bureaus ... yet they continue to report I have a bankruptcy. This is simply not trueMy case number for the dismissal is XXXX filed XXXX/XXXX/2015. It is signed by judge XXXX XXXX XXXX in XXXX, Va. Please help removing this as my credit is destroyed because of this erroneous report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Original dispute case number XXXX, XXXX Attorney General reports false data to my credit report on Equifax and it is reported twice as a duplicate.. below is the history of the report, i have never been late, and should not have been reported, also date of late payments keeps changing to favor the grantor, shows late 150 day between XXXX & XXXX XXXX, XXXX to XXXX do n't have 150 days. this is wrong and false i have never been late. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice & is duplicated Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX N/A XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Viewed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old 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 2020-04-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I just received a notice from my Wells Fargo they are closing my account. I am not bouncing checks or anything like that. It's just that I have a small account that only receives my social security check. 

The bank only gave me a one week notice. I receive my Social Security check into this account and Social Secuirty takes 6 to 8 weeks to be able to switch to my new account. Can you help me to stall the closing until my Social Security check can make the switch to the new account?

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 2016-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I have been given incorrect information by XXXX different Capital One employees, and I do not feel that my complaint will be handled accurately. I have requested to fill out HIPPA Form to receive copies of my calls and was told that is illegal. I am requesting your assistance to help me resolve my issue. 
My first complaint is that I am being charged over and excessive amounts for my cash advance and have been given different information by XXXX different people : I spoke with XXXX supervisors regarding paying off my cash advance so that I can stop accruing interest. I am currently interest free on purchases. I spoke with a supervisor in XXXX XXXX to go over amounts I needed to pay. Next, I spoke with supervisor XXXX in the XXXX, FL office on XXXX/XXXX/XXXX. I called Capital One to have a late fee waived because I have never been late on my account. I spoke with XXXX and as a courtesy he waived the fee. We discussed in great detail the amount I would need to pay, in order to pay off the {$600.00} cash advance and stop accruing interest. I asked him very specific questions about my account. He said I would need to pay {$880.00}. I paid {$900.00} on XXXX/XXXX/XXXX. I called in on XXXX/XXXX/XXXX at XXXX to see what would be available and a rep advised me the full {$900.00} would be available at XXXX, because I satisfied the cash advance. Only {$860.00} became available, so I called back in and spoke with supervisor XXXX, to discuss what applied to the account, and she said I would need to pay an additional {$47.00} in order to pay off cash advance. I stated that was incorrect and excessive. She explained I had a previous balance of {$100.00}. I explained that is part of next month payment which according to XXXX I would not have to pay because cash advance would be satisfied. I explained to her that XXXX and the supervisor before him gave me great detail on what I needed to pay. I did not have XXXX 's name and location at the time I spoke with XXXX. Once I found his info, I called back in spoke with supervisor XXXX and she requested I file a complaint in writing after XXXX told me she had already submitted my complaint. I am furious, as a consumer, this information is difficult for me to understand, but what do I do when the employees of the company obviously do n't understand, have no knowledge of their products, and are obviously not on the same page??? 

My Second Complaint is that I was advised that I would be interest free for 1 year by signing up for the card, and XXXX advised me that I am only interest free for 10 months ending XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
currently in litigation with XXXX banks who appear on my credit report i asked for information to be removed due to inaccurate reporting information on these XXXX accounts they remain on my credit report dragging my score down, when they should not be there after researching ohio law!! fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Made an in-store purchase at XXXX XXXX Best Buy for {$290.00} on XX/XX/2021. The cashier informed me that I was {$4.00} shy of qualifying for the 6 month promotion of same as cash. 

On that same day ( XX/XX/XXXX in-store ), I payed {$100.00} towards the bill on an invoice that would not have been generated until the month of XXXX. On XX/XX/2021, I made the payment in full for {$190.00} via automated payment services in full via telephone system. 

I receive a call XX/XX/2021 to pay a {$66.00} late fee for two months! 
According to Citibank, my payment on the XX/XX/XXXX, XXXXgenerated a statement that stated that my payment in full was due XX/XX/2021. And that the Payment of {$100.00} was applied to a billing cycle of XXXX which previously had a XXXX balance! 

The payment that was made in cash ( {$100.00} ) was not credited to the future XXXX billing cycle, but rather to a XXXX billing cycle that was generated on the XX/XX/XXXX( that would be due on XX/XX/XXXX ). 

The Payment of {$100.00} was applied to a billing cycle of XXXX which previously had a XXXX balance! The automated payment system mentioned nothing of a late fee, when I payed the full amount on XX/XX/2021.

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 2017-12-28
Company: Pacific Union Financial, LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Pacific Union Financial handles my account. While I have, supposedly, authorized them to make my escrow payments, they failed to notify me that said escrow was paid on XXXX/XXXX/XXXX. 

Today, XXXX/XXXX/XXXX, my wife went an made our escrow payment to the city of XXXX, WI, using our own funds. We were never notified by phone, mail, or email, that payment had been previously made. 

It will now take XXXX weeks for me to get refunded for my trouble

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX Chase / Chase XXXX XXXX XXXX XXXX Hello, my name is XXXX XXXX and on XX/XX/2022, I and my family planned a trip to Hawaii for this summer from XX/XX/XXXX to XX/XX/XXXX. I charged and booked our flight directly through the Chase portal because of the points that I will be getting and it is convenient. However, most recently around XXXX, something came up and we will not be able to fly this XXXX and I have to cancel our flight which I thought it's going to be quick and no problem because I booked a refundable flight and it was confirmed on my email as well. 

On XX/XX/XXXX Wednesday, I decided to speak to a representative at Chase from their Ultimate Rewards Travel Department to tell them that I have to cancel my trip for a family emergency reason however when the first representative check it shows that it wasn't but I insisted it is refundable and later on when she double-check she has confirmed it was a refundable trip. 

Moreover, during the call when she was checking the " policy '' she was telling me that even if it is refundable the airline " XXXX XXXX '' is requiring them to charge me {$200.00} per passenger to cancel the trip even if it is refundable. I got alarmed with this and I told them there's no way because I don't see that on the email they sent and even on their portal itself. 

Furthermore, I decided to tell them I'm going to call XXXX XXXX to confirm if they charge their customer cancellation fee of {$200.00} per passenger for refundable flights and they told me if the flight is refundable they will refund 100 % and since I booked mine through the agency or through Chase he couldn't do anything and the charge is from them.

I contacted back Chase and informed them about it but they just wouldn't honor it, even after speaking to the supervisor. I am really frustrated at that time and I felt robbed because they were not honoring what they sent to me about the policies and they can't even provide any information telling me that the {$200.00} charge per person or a total of {$800.00} is really an XXXX XXXX charge or where is this exactly on the rules and policies. They ended up charging me {$800.00} just to cancel the flight and I feel so helpless.

Company response to consumer: Closed with non-monetary relief