BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Date of tel.complaint to Wells Fargo XX/XX/2022, Wells Fargo complaint ID # XXXX, WellsFargo case # XXXX, complaint amount was for {$300.00} that was charged to my credit card by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, TEL. # XXXX, Wells Fargo denied my dispute, Wells Fargo said that because this was a warranty dispute they were denying the complaint, that isnt true, when I brought my car in for brake service I was told that the warranty didn't apply, I asked to speak to a manager and he confirmed that the warranty didn't apply because brakes were considered a wear item, similar to tires and windshield wipers but he considered me a good customer and cited the fact that the car was purchased at XXXX XXXX and he asked me what it would take for him to make me happy, and I replied to get my brakes fixed at no charge and I assured him the next car I bought would also be from XXXX XXXX, he agreed to my terms for no charge for the brake repairs, but when I went to the counter to get my keys I was told that there was a {$300.00} charge and that they wouldnt give me my car keys until I paid the {$300.00}, though I objected I had no alternative other than to pay the {$300.00} as I reside XXXX miles away from XXXX XXXX and I am an XXXX XXXX XXXX man with multiple health problems, I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have had multiple recorded tel. conversations with Wells Fargo, the last one was with a XXXX named XXXX on XX/XX/2022, at XXXX am on tel. # XXXX, he told me that Wells Fargo was denying my claim because I had signed the receipt and he said that he had documents stating that the {$300.00} charge was because of some type of warranty insurance, I told him that I had never seen or been given any document saying that, I told XXXX that the only documents I have that are related to the brake repairs done on XXXX, were the XXXX XXXX invoice that states no charge for the entire brake repairs and the CC receipt, he said he would email me the documemts that he refered to that he received from XXXX XXXX, as of now he hasn't sent them to me, he hung up on me before I could ask more questions so I called and spoke to a supervisor named XXXX on XXXX, I asked her if I could appeal Wells Fargo denial of my dispute, she said no but that I could send in a request within 10 days for a review of my dispute, I will do that tomorrow by faxing it to Wells Fargo from their XXXX XXXX, FL XXXX XXXX branch, the fax # is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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 with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-07
Company: Mercedes Benz Financial Services
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
MercedesXXXX collected a final balloon payment on the last month of my lease for {$4000.00}, carried over from XXXX deferments. I was not aware of this, as i forgot and my auto pay deducted final payment causing my account to go negative. I was able to get a refund on the full payment and agreed to carry over the final payment and add on to the purchase of the car, which Mercedes agreed. Mercedes does not work with residents for the state of Washington in regards to funding car loans, so i was reaching out to local lenders. As i was shopping for a lender after my lease ended it pushed past 30 days of my final bill and I was not aware that i was still on able incur a 30 day late, as we had agreed to roll the final payment over. Mercedes reported this late to the bureau which is causing me to not get funding. Once they told me I was past 30 days I payed the the final {$4000.00} on the spot and asked them to remove the late as I was in the process of trying to purchase the car. They said it was too late on their end and so here i am writing you. I was never late on my lease payments for 35 months and on my final month after Mercedes told me i could fold the payment into the purchase, I was marked late for that exact payment. I have resolved this mercedez and they are payed current up to date and i paid them an additional {$3000.00} to extend my lease until XX/XX/XXXX as I work to get this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Against [ Collection Agency Name ] To Whom It May Concern, I am writing to file a formal complaint against Jefferson Capital regarding their handling of accounts that were opened fraudulently and their failure to validate these accounts despite my repeated attempts to resolve the matter.

I have previously disputed these accounts with Jefferson Capital and the original creditor and provided them with documentation proving the fraudulent nature of these accounts. However, they have not taken the necessary steps to validate these debts as required by law, and they continue their collection efforts.

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Jefferson Capital. I also request assistance in ensuring the removal of any negative reporting associated with these fraudulent accounts from my credit reports. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX XXXX Account # 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 an account without my written instructions.

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

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. After a thorough examination, I identified multiple companies listed on my report with which I have never conducted any business. The existence of these unauthorized entries raises serious concerns about the possibility of identity theft. 

Enclosed, please find a detailed list of the companies in question and a copy of my identification for the purpose of verifying my identity. Additionally, I want to inform you that I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft incident. 

Given the urgency of this matter and its potential impact on my financial well-being, I kindly request your prompt assistance in resolving this issue. I have taken all necessary steps to report the identity theft, and I am now seeking your help in expeditiously removing these fraudulent accounts from my credit report. 

Your attention to this matter is greatly appreciated, and I believe your involvement will contribute to a swift resolution. If you require any further information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your time and consideration. 

Sincerely, 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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-12-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was simply denied my legal rights to purchase and apply for a new credit loan solely based off of Experian credit report bureau since XXXXXXXX  Experian is a consumer worsts nightmare based off this companys data I miied the option to purchase the car priced at {$31000.00} that car was sold I forced based off of the Experian credit report bureau to apply for the same car with a higher price tag and {$8000.00} listed at {$37000.00} this is unfair I bust my tail to pay my bills on time every month this should have never happened

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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 Credit Reporting act XXXXXXXX XXXX  Account 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2022 a company name XXXX XXXX unauthorize put a hard inquiry on my XXXX  union credit report. I never heard of XXXX XXXX and did not authorize them to pull my credit. After investigating I learned the parent company self inc a credit building app is the parent company of XXXX XXXX. I did not authorize self inc or XXXX XXXX to do a hard inquiry on my account. A lot of people are complaining because they to are victims of self inc and XXXX XXXX  unauthorize pulling there credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized inquiries : - XXXX XXXX Miscellaneous Individual XX/XX/XXXX - XXXX XXXX  XXXX  Installment Loans Individual XX/XX/XXXX - XXXX/XXXX Credit Cards XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Personal Loan Companies Individual XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX Credit Cards Individual XX/XX/XXXX - XXXX/XXXX XXXX Sales Financing Individual XX/XX/XXXX - XXXX XXXX Personal Loan XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Credit Cards XXXX XX/XX/XXXX - XXXX  XXXX Miscellaneous Individual XX/XX/XXXX - XXXXXXXX Credit Cards Individual XX/XX/XXXX XXXX XXXX XXXX  Sales Financing Individual XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've tried contacting the credit reporting agencies multiple times about this situation and nothing has been done to further assist me or resolve it. This has been affecting me in my personal life and it has been hectic having to go back and forth with the companies about helping me. This information reporting on my account is unauthorized. Please, help to resolve this situation 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 2023-12-01
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Since XX/XX/2022 there was an issue where my payment was not being applied on time. After providing proof via my canceled checks that their bank did process the check on the correct dates I still have no resolution. No one from the company calls me back, I often get put on hold for 30 minutes then get disconnected. They say a manager will call me it never happens. I now send a larger than normal payment and send it early. I am still getting charged late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am concerned that these hard inquiries negatively impact my credit score, and I believe they were made without my full consent or knowledge. To my best understanding, these inquiries were not initiated by me, nor did I grant explicit permission for creditor to access my credit report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with explanation