BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-12-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened a new Wells Fargo account in order to take advantage of a 0 % APR on transfers. On XX/XX/2023 I used the Wells Fargo app to make a transfer of {$1100.00} from my XXXX XXXX card to the Wells Fargo account. The app didn't make the transfer so I tried a second time. That time the transfer went through. Days later I found that my XXXX account had not been paid at all. I contacted Wells Fargo who opened a case ( # XXXX ). At that time I was told if I had done the transfer over the phone they could of corrected the issue immediately, but since I used the app the case would have to go to research and may take up to 60 days for results. 

By XX/XX/XXXX I had found out that the funds were transferred from a XXXX 's account and that XXXX was giving Wells Fargo the run around about releasing the funds back to Wells Fargo. I obtained the XXXX number XXXX and the XXXX 's account number and called XXXX 's myself. I was told that the card number ending in XXXX was not a XXXX 's account. Keep in mind I do not have nor I have I ever had a XXXX 's store card or credit card. 

By XX/XX/XXXX I spoke to a supervisor at XXXX XXXX who told me to contact XXXXXXXX XXXX All Divisions at XXXX. I received no response from the email I sent. 

XX/XX/XXXX I was connected to XXXX XXXX, an Escalations Representative in the XXXX XXXX XXXX XXXX for XXXX XXXX was sick at that time. The clinic had put me on three different prescription meds and I was not feeling well. XXXX told me that since I was sick she would send me a letter with instructions on how to call Wells Fargo Customer Service and facilitate a conference call with both Wells Fargo and XXXX. The purpose of this call was for me to give verbal confirmation to XXXX 's allowing them to release funds back to Wells Fargo. 

When I received the letter on XX/XX/XXXX it did not contain the expected instructions and contact numbers. Instead it informed me that Wells Fargo considered the case closed and that I owed them the {$1100.00} plus interest and late fees. I immediately called XXXX but this was the day before XXXX and I only got her voicemail. I left a message telling her what the problem was and to please call me. She still has not called me back. 

On XX/XX/XXXX Wells Fargo called in an attempt to collect the funds. I asked the associate to just go ahead and put their supervisor on. I spoke with XXXX who said the case looked like it was still open at that time. I thanked her but decided I had had enough of this run around. I contacted the Florida Attorney Generals office via their website. I was given the CFPB contact information in that email.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter to XXXX XXXX XXXX to formally dispute an alleged debt that appeared on my credit report dated XXXX In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. XXXX did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the XXXX and Equifax reports. I sent certified letters to both XXXX and Equifax to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card from Chime that I had not applied for. It was mailed to my name and address on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I was involved in a total loss accident that was not my fault. I called the next day and set everything up through XXXX and XXXX XXXX XXXX department. My 1 and only key fob was lost during the tow and trip to the collision department. Somehow the vehicle locked after we retrieved my belongings. During the weeks to follow I was instructed by my lawyers not to speak to XXXX. I did communicate with collision department, and my loan company. I told Flagship credit acceptance shortly after the accident that I couldnt make that last payment. They told me I needed to pay but it should be paid off soon due to the total loss. In XXXX still nothing was resolved and flagship repossessed my vehicle due to XXXX XXXX charging impound fees and XXXX not responding or totaling out my obviously totaled vehicle. In XXXX of XXXX my vehicle was finally paid in full and flagship credit acceptance refused to remove the repo even though they posted the paid in full day to XX/XX/XXXX I kept in constant contact with flagship. They were awful and rude after the fact of being paid off, XXXX the supervisor told me they had no idea I had insurance, even though I had called months prior and another supervisor promised it would be removed after they were paid in full. Please note the car was repossessed before I owed any missed payment so I stopped paying on the vehicle due to losing my job, and this repo hurting my credit. XXXX has completely miss handled my entire claim. I am still waiting for my lawyers and XXXX to finalize my claim.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-12-04
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I got behind on my Indigo card account due to my husband 's illness and subsequent death. Was trying to pay off card, but couldn't. Indigo made me an offer of {$450.00} to pay off and close account. I accepted their offer and they accepted my payment of {$450.00} in XXXX, XXXX. Every thirty-forty days since, I have been receiving collection calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance on the card. In XXXX, XXXX, when the first collection call came in, I told them the card was paid off and the account was closed. " Oh, yes mam, we see that the account has been closed and there is no payment necessary. '' XX/XX/XXXX : another collections call, you still owe XXXX {$280.00} past due balance. No, the acct is closed and paid off. They continued to argue with me. The same conversation takes place about every XXXX days, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, and today XXXX, same conversation. I want this harrassment to STOP! I paid their price quoted me, they assured me the account was closed. Every month that this happens, they assure me " after checking your account '' that it is closed and there will be no more calls, yet, every month, I am STILL getting these collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: BANKMOBILE TECHNOLOGIES, INC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a student enrolled in the University of XXXX. Earlier this year, the school was supposed to refund me through a third-party bank company called Bank Mobile . On XX/XX/XXXX, {$11000.00} was sent into the bank checking account without my knowledge because my refunds were supposed to be set to direct deposit, but I had gone to my school about the refund and they had said it was sent to Bank Mobile. However, when I had tried logging into the account for the first time around XXXX, I was unable to. When I had checked what email was associated with my XXXX  ID, it was an unfamiliar email. I had contacted the support team, asking to be let into the account and that the email associated with that account was not mine, and they had told me to send in documentation proof showcasing my identity, but after all the documents were sent, they had kept putting me on hold or telling me they would call back or I had to wait longer. Many weeks passed before they finally wanted to start an investigated, but even until now, nothing has been resolved. Even after so many documents were sent and that they had said they would resolve the matter. I was finally let into the account on XX/XX/XXXX and I could see the bank statement and every withdrawal that was made after the refund was put into the account, but as of currently the account is put on hold for a compromised account and it has been almost a month with no resolution or unlocking my account. I was also able to see multiple deposits and withdrawals dating before the university refund that was not made by me. After XX/XX/XXXX when the refund was sent through, {$2000.00} was taken out as a transfer to another account on XX/XX/XXXX. On XX/XX/XXXX, {$2000.00} was taken out again as a transfer to another account. {$2500.00} was also spent on XXXX XXXX, {$4300.00} on XXXX, {$670.00} on XXXX, all on the same day. Then finally on XX/XX/XXXX, the last {$120.00} was transferred to another account. I was finally let into the account on XX/XX/XXXX and was able to see the withdrawals. I was also able to see that the person who was in the account changed the refund preference from direct deposit into my personal bank account, to deposit to Bank Mobile. I've reported the claims for everything and there's been an ongoing investigation for about 4 months now with nothing resolved. I have sent written statements about the claims because that was something that they made me do, however when I called and asked if they received them, they told me they weren't allowed to disclose a lot of information as my account is under investigation so information is limited even though I have already sent previous documents of my identification and they have already put my account on lock.

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 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX, I purchased a RV from XXXX XXXX. They sold me a XXXX RV on the paperwork but it is a XXXX. The title has been messed up since the date of purchase. Bank of America financed it and has harassed me through letters in the mail. Certified mail over and over again. XXXX XXXX told them it was my fault. Bank of America should have recalled the loan after 90 days because the title was not correct. It is still not correct and they refuse to enforce the law.

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 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a business account with Bank of America. A customer service representative took my name off an account that my company owns, I am the sole owner of the business. A customer service representative pulled up the signature card from where I had opened the account over ten years ago. He made me prove who I was. I was angry. While they did correct the problem after they put me through XXXX. It was no big deal. Today, I am filing this complaint because of another error that they have made on behalf of a loan that I have with Bank of America. 

They need to be held accountable for this action and for the loan on my RV. It should be a crime on how they have handle 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 explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For over one year XXXX has claimed I owe them money for charges I never made. They have continued to harm my credit report, after telling me they made numerous errors in dealing with my fiances. I owe XXXX nothing and when I get the time as now I can not even get a place to live because of XXXX, I will make it very clear that they intentionally harmed me. Transunion, XXXX and Transunion continue to put fraudulent information on my credit file reported to them by XXXX. Today is XX/XX/2023 and the issue after one year has still not been fixed as XXXX promised and apologized for their computer error dozens of times.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: UT
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:
The credit reporting agencies are reporting inaccurate and incomplete information on my credit report. The notation of the late payment on my XXXX XXXX account is inaccurate. By the provisions of the consumer protection laws, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. Also, I have attached a letter from XXXX XXXX to this dispute stating that this account was always paid on time and in good standing.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, have violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 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 2023-07-25
Company: CITIBANK, N.A.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
There were many charges made to my credit card from XX/XX/XXXX through XX/XX/XXXX, mostly at gas stations that I did not make. The fraudulent charges at gas stations in cities that I had not even gone to totaled {$2600.00}. I reported these as fraudulent charges to Citibank and they responded with the following message : " We've completed our investigation and your dispute is now closed. During the investigation, it was confirmed that you participated in the transactions with the merchant-we didn't find any evidence of fraud. Additionally, you verified that your card was in your possession a the time of the transactions. '' Although the card was in my possession I DID NOT MAKE THESE CHARGES. Someone obviously stole my credit card info and was using the card to make gas purchases, mostly in XXXX Michigan. I have been to XXXX only once since XX/XX/XXXX and yet there are numerous charges for gas at XXXX gas stations.

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