BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Both XXXX and Transunion do NOT accurately report my student loan information on my credit report. XXXX is reporting the account accurately as the student loan is in perfect standing. This loan information in good standing with perfect payment information should be reported accurately on both XXXX and Transunion as it is reflected on XXXX. I have disputed this point many times with both agencies and called XXXX to make sure they are reporting- XXXX has assured me that they are accurately reporting my accounts.

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 2016-03-16
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I 'm a veteran XXXX vet, there is a law in place right now and has been that when ever a 100 % veteran enters a non-va medical facility for services they contact The department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX for payment, they do n't do this they send it over for collections then it ends up on the veterans credit report, if it only takes me 2 minutes to get this information as big as medical facility is why ca n't they do the same thing I 've written you about this same situation in 2013, so I 'm gon na give them info again. Whenever a vet comes into your facility in Michigan contact XXXX, and quit making it so hard for us veterans. XXXX in this dept said XXXX hospital never contacted them about this bill. I 'll send over all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I made a money transfer to my father in XXXX through money gram. When my father went to pick it up he was told there is no order number matching his number. The lady at store had also made a mistake my fathers name is XXXX XXXX XXXX and she only put XXXX XXXX. I called money gram and they said it was on hold and that my father needs to call a phone number they gave me. So I called my father again and gave him the number to call. Well there was no answer. He went back to the bank and they still have no money for him. So I drove for an hour to the money gram I sent the money through and they told me the money is on hold and there was nothing they can do. So I called money gram again and they said the same thing again. My father needs to call and say they could give me back the money so I could resend it. Again there is no answer to any of the phone numbers they gave him. So I sent {$200.00} to my father that he can not Claim and they will not return to me. Every time I call they same the same thing he needs to call them but none of the numbers they give me work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: FL
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/2022 i sent letter to XXXX, expirien and XXXX however its been passed the 30 day mark and have not sent me back anything and according to the law 15 US 1681i

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2022 i sent letter to XXXX, XXXX  and transunion however its been passed the 30 day mark and have not sent me back anything and according to the law 15 US 1681i

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 2022-06-04
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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 an account without my written instructions. 

Attached below is a copy of my drivers license and social security card as well as a copy of my XXXX credit report identifying incorrect discrepancies via highlighted sections.

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 2019-02-16
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:
Credit Bureaus has not updated my account and I have attach copy as proof of payments been paid on time and current.

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 2015-07-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Other

Complaint:
I have a credit card debt with Wells Fargo that I have been trying to pay off for at least the past 3 years. Last year in XXXX of 2014 they gave me a break & stopped charging me intrest on the account due to financial difficulty & I was able to make regular payments on time. However it was only for a year. Now they have added they have added the intrest payments back which doubles the amount I have to pay, on top of which the account is closed/cancelled so I can no longer use the card. For the past few months I have been charged intrest on cash advances & purchases I ca n't make. I also have no way of making payments to the principle credit card debt. How am I suppose to pay the debt off????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i tried to access my personal credit report at transunion but was denied access also i have a credit freeze on my transunion account and also am being denied acces to lift the freeze i need access to my reports because i am being denied credit and employment opportunities due to the freeze i contacted transunion on multiple occasions at XXXX also at XXXX XXXX all these contact numbers i spoke to the agents and none of them have helped me resolve my issue i keep being told i will get a call bak from a another agent in 72 hours so i feel my life is on hold and my faur credit rights are being violated and i demand justice or to be allowed acces to my information being reported by transunion

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 2015-04-08
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I opened an account at XXXX XXXX XXXX as a supplementary account to my main bank account. I funded it the account with just a XXXX dollars. I also attached XXXX to my XXXX account. 

I made a purchase on XXXX that was supposed to be charged to my credit card, but XXXX wrongly charged my bank account instead, causing an overdraft. Even though XXXX swiftly corrected the error and refunded the money, XXXX charged me an overdraft fee. I tried to explain to them that this was the result of a billing error but they would n't hear it. 

Ultimately, XXXX kept the overdraft fees and opened a collection account based solely on the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022 - received a notice from Synchrony Bank that they had decreased my credit limit on my XXXX  XXXX XXXX account ending in XXXX although my account is current on payments. I have not had an issue paying on this account or the account I had previous to this one. The letter states that the decision is due to a delinquent or derogatory real-estate account which is CURRENT and has absolutely nothing to do with paying XXXX  XXXX XXXX. I have not asked for an increase on this account therefore Synchrony should not be running my credit report in the XXXX place. 
Like many during the pandemic, I ensured that all my bills stayed current and paid my bills even if the minimum was all I had to pay. By decreasing my credit limit not once but twice, Synchrony is causing my credit score and my credit card utilization to decrease due to the account being at the limit and not where it should be within the original credit limit of XXXX. There was absolutely no reason to decrease my original limit the XXXX time, yet I made no complaint ( I forgot and missed my due date once but paid immediately as soon as I realized what I had done ), but to decrease my limit again especially for an account holder who is paying on time and with a current account status is outrageous! The main concern should be that my account status is and has been current since I opened this account and there should be no reason to view my credit report unless I request a credit increase therefore giving Synchrony permission to do so. My account with Synchrony Bank is not past due, has never been delinquent and all credit criteria should be based on this status and no other

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 2016-09-23
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My parents have been receiving 4-5 calls per day from a debt collection company that says they 're from Iowa. They are asking for information on someone who does n't live at their house, but has the same last name. My parents have kept a log from the start, and this company has called over 60 times in the last month, as early as XXXX. The company will not divulge any additional information. My parents have all the names and phone numbers of those who have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX, XXXX WRONGFUL FORECLOSURE BANKRUPTCY - VIOLATION OF AUTOMATIC STAY ORDER sec. XXXX XXXX XXXX, XXXX XXXX XXXX, Attorney for ; The XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX United States Bankruptcy Court XXXX District of California C/o Hon. Judge XXXX XXXX XXXX Case No. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX XXXX : VIOLATION OF BANKRUPTCY CODE 11 USC 362 AUTOMATIC STAY NOTICE GIVEN TO ALL PARTIES AND THE HON. JUDGE XXXX XXXX XXXX It is known to me that the Attorney 's of record and purported successors-in-interest ( " Claimant '' ) have conducted an unlawful foreclosure sale of the subject property in this order, on XXXX XXXX, XXXX, approximately at XXXX XXXX. ( Exhibit A ) The Debtor ( " XXXX XXXX XXXX '' ) has diligently investigated several suspicious documents which were examined by the Secretary of State of XXXX, and where rejected for " Authentication '' issues which involve ( d ) ; 1. Notary Jurisdiction 2. Illegible Seal, and 3. Signature does not correspond to the one on the acknowledgment/XXXX submitted 4. The document has not been notarized according to the appropriate California Civil and/or Government Code. 
5. Jurisdiction ( XXXX ) - Is under review for criminal investigation regarding a Complaint filed against the " Trustee Deed Upon Sale '' filer, ( " XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX '' ) for Fraudulent Conveyance of title, amongst other new findings to be announced, under the laws of XXXX and XXXX. 
This Complaint has been filed against the Parties named above, and a pending complaint against the Attorney 's as follow ; 1. XXXX XXXX XXXX 2. XXXX XXXX Upon new information from the authorities, Debtor shall keep this Court inform of their findings. 

Sincerely, XXXX XXXX XXXX XXXX XXXX EXHIBIT A MAILING LIST : XXXX Attorney General XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX Federal Trade Commission Reference No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX 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
Consumer complaint received 2022-06-04
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:
In accordance with the fair credit reporting act : XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX 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

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 2016-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a car loan from Wells Fargo Dealer Services in XXXX for a XXXX XXXX XXXX. My payment was {$380.00}. I was unable to make my insurance payments for 3-4 months in XXXX while I was unemployed. Even though I was not driving the car, Wells Fargo covered the car for those months. Ever since then, my loan payments have been {$390.00}. It 's been over 3 years now. I do n't understand how I 'm still being charged $ XXXX for 3-4 months insurance after I 've already paid hundreds of dollars. I do not trust Wells Fargo after the disclosure of their widespread fraudulent behavior. I believe that Wells Fargo overcharged for the insurance provided during the 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX Of XX/XX/XXXXi was XXXX XX/XX/XXXXand XX/XX/XXXX by a individual staying at a hotel in XXXX XXXX NJ, with that being said my wallet was stolen and my computer and phone. i had reported to the police and there's a large investigation going on regarding this matter. 

I was and still am mentally not okay and been trying to recover from this the best way i could.but a couple of days or weeks using my online debit card to make purchases I began seeing charges on my card and I started to report them to Chime which is well was my banking institution. the first charge was at a XXXX XXXX. the charge was for XXXX and then a couple of more for the same prices but only one was clear at the moment. i filed a dispute on that one which is what the bank told me to do and it got approved. and i received my funds back. 

A couple of days later i filed the rest of the dispute which added up to XXXX all form the same merchant XXXX XXXX. but this time around i was denied for a dispute i filed a week before and was approved for, so i put in the dispute again and again denied. I have submitted a police report, i sent a letter from the merchant themselves saying i am not the one that set the charge. that my card and id was used by someone else. as well i gave hospital records sayin i was in the hospital during the time of the charges recovering from the attack. and still denied i been submitting this rebuttal more than 15 times in the past year and continue to get denied with as much documentations given. all my other financial banks had repaid me for any unauthorized charges but chime does not get it was not me using my card and they are stating i was using my card around the area of the location of the charge, and that's because i lived 4 blocks away form the motel, the motel is known for drug addicts and illegal conduct. which is where they found my attacker after the attack and i was using my account it wasnt with the card but my online wallet on my XXXX account i had no money or cards after my attack so i had to use my ewallet to get money.. i have not use chime since because i can't believe after all that documation given they cont. to deny me. it sickens me because they making me fall like i am lying about my attack my complaint is with CHIME BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo refuses to send me loan statements to an account for which I am the legal payer. Wells Fargo also refuses to grant me online access to the account. Bank continues to send damaging reports to the credit bureaus regarding this account and refuses my request to remove the damaging reports. I am unable to manage the account accitvities without statements or access to the account. All of the above listed events amounts to the bank acting in bad faith. This is my second complaint issued thru this agency against Wells Fargo for the same issue. I am asking for direct intervention from CFPB in this matter. There has to be a law that says a bank has to send a periodic statement. How else can a customer verify that the bank is applying payments correctly or is n't doing something shady with the customers 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 2016-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom this may concern, I am worried that either through identity theft or inappropriate account management a number of unauthorized Wells Fargo & Company accounts may have been opened without my permission. 

I kindly ask that Wells Fargo & Company provide me with all of the current and former account numbers opened using my personal information and the signed contracts / deposit agreements authorizing the opening of those accounts. 

Sincerely Yours,

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 2022-06-04
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX XXXXXXXX XXXX XXXX Account number XXXX have 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

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 2022-06-04
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX account number XXXX  XXXX XXXX XXXX Account number XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
During the recession, I incurred personal credit card debt and in late 2014 called Wells Fargo Financial to ask for an interest rate reduction to reflect the fact that my payments were never late. A Wells Fargo representative said they could n't do that but gave me the names of XXXX credit counseling agencies, which the representative said would be able to negotiate a better interest rate. I signed up with XXXX of the XXXX agencies the rep recommended and always paid the agency on time. A year later, I checked my credit report only to find that the agency paid Wells Fargo late for the first 3 months I was enrolled in their program. I went from having no late payments to several. Wells Fargo refuses to remove the late payments off my credit report or the name of the credit counseling agency from its recommended list.

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