BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account with Wells Fargo Bank and my bank account was assessed by the NC Dept of Revenue for XX/XX/2014 taxes. I worked out a payment plan with the NC Dept of Revenue for $ XXXX/month and I was waiting for the remainder of my money to be credited back to my account to find out Wells Fargo charges a {$120.00} fee when your account has a lien or hold placed against it. This is grossly unfair because all I had in the account was {$120.00} and now my account is - {$4.00} in the negative. I 'm between jobs and struggling financially and have asked can they credit it back to my account and they 're telling me it 's their policy. This is a grossly unfair policy.

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 2023-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS 9PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
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: Public record information inaccurate

Complaint:
Dear CFPB Transunion don't want to fix inaccurate accounts on my report. How can Transunion verify these inaccurate accounts? ( 1 ). Did you talk to the court and if you did who did you talk with at the court? ( 2 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 3 ). Can you provide me with the contact number and name of the person you talked to? Transunion told me that they use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : XXXX XXXX XXXX XXXX   XXXX Date Filed : XX/XX/2017 Bankruptcy XXXX XXXX-dismissed Reference : XXXX and XXXX XXXX XXXX XXXX   XXXX Date Filed : XX/XX/2017 Bankruptcy XXXX XXXX-dismissed Reference Number : XXXX I'm waiting for your response.

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 2019-12-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Tried to resolve with Fed Loan with 8 phone calls and two letters sent. 
Phone complaint ID # XXXX XX/XX/XXXX Complaint ID # XXXX XX/XX/XXXX Complaint No ID # I have received a statement that I am {$14000.00} behind in my payments. This is not true. 
I have in good faith made monthly payments of {$330.00} every month for the last two years. I am on an income repayment plan for the last three years. I have sent in the paperwork each year via mail in XX/XX/XXXX & XX/XX/XXXX in XX/XX/XXXX. In XX/XX/XXXX my salary increased and I was able to fill out the income repayment application online. I have a bank statement that shows payments each month in from XX/XX/XXXX to XX/XX/XXXX each month in the years of XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. In the last year, my salary has increased so my income repayment monthly payment have increased to {$490.00}. I have called the FedLoan number to protest this bill of {$14000.00} There has to be some type of appeal process. I sent in the paperwork, I made every payment. 
I have been working at a XXXX XXXX for eight years. I am also on the public service loan forgiveness program. I made faithful payments for all of XX/XX/XXXX and now I am told that the payments do not count at all - that my default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a dispute and requested a removal from TransUnion for tax lien on my credit report in that not only was it reported incorrectly due to a refund for those years of income tax returns, but I also have an old bankruptcy that would 've removed any balances if there were any. TransUnion in turn reported that the public records were released due to bankruptcy and this incorrect as well. When I contacted TransUnion again, they informed me that not only will this remain on my credit report for seven years even if it is a mistake, but in order to get this removed, I would have to contact the XXXX Country record of deed to request them to remove the information. I informed the representative that I have proof directly from the State of Michigan which is who reported to XXXX County to report to you ( TransUnion ) that this bill is incorrect and should be removed. TransUnion representative would not provide me with the information that states how they investigated this information to be accurate to continue to report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I currently have XXXX accounts with Chase XXXX personal and XXXX joint. On my personal I was charged XXXX {$34.00} dollar charges for insufficient funds on my personal acct. As far as I understand if you cover your insufficient fund fee before the end of the night you are ok. My fianc quick paid me the money at XXXX, I had no idea that there was a cut off time and the money would not go through I received an email and on my phone app it showed the money as positive. They are staying I signed the terms but honestly I did not read line for line nor did the person who opened acct explained. The only thing I am aware is the if you have insufficient funds you will get charged if acct stays negative. I have money in my joint acct do you think if I knew this would have happened. I attached XXXX pictures XXXX of my email confirmation of quick pay and also I transferred the remainder XXXX of the negative from my other joint acct last night my app showed me positive. You can see XXXX*XXXX=XXXX my acct is -XXXX I have not made any transactions since last night. Which shows the act was not negative. I did not know there was a time limit to quick pay believe me if I did I would have transferred the money from my joint acct which is with my fianc same person who quick paid me. This is unfair!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
As a Member of the Class of the XXXX XXXX XXXX XXXX XXXX Breach and ensuing Identity Theft, my wife I and have had to defer all inquiries from debt collectors to this precedent ; none of the debts being collected against us are ours ( save for our first Mortgage, Federal Student Loans and XXXX XXXX XXXX ). Furthermore, I have an LAPD ID Theft Case ( # XXXX ) which needs to be taken into consideration. Together, these cases represent the significant reason why these debts originated and, to wit, why my wife and I should be absolved of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Diversified Consultants, Inc.
State: FL
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 reach out to DIVERSIFIED CONSULTANTS reguarding them reporting a debt to my credit report with a complete different social security number, had to call over three times to get the account info so i can call the creditor also was blind transfer to a manager voice mail.who was previous rude as XXXX, without a care in the world.everytime i try to make me pay for another account that was closed out for fraud already in a different state i dont live in..worst experience i every had dealing a collection agency.also i never recvd any calls nor validation of the debt know as validity to dispute this matter before reporting this matter as all..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 'm writing this letter in regards to the account listed below : COLLECTION BUREAU OF A XXXX This account was already deleted from my credit report. Experian reinserted in my credit report without notifying of this action and giving me 5 days notice. I never received any notification from Experian. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. To avoid me hiring an attorney to enforce my rights, I 'm asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted. 

If I do n't hear from Experian within that time frame, I will file complaints with the Attorney General 's Office and the Consumer Financial Protection Bureau. I will also hire an attorney to review this matter for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am filing a complaint because I have consistently been unable to log into my PNC financial account. I first contacted them about the issue via email on XX/XX/XXXX. They did not respond until XX/XX/XXXX ( approx ). The woman on the phone told me the login credentials I had set up had " expired '' and reset my password. However, while she was on the phone, I tried to log in and received the same error message that my user name was incorrect. She could not tell me why, put me on hold for 10-15 minutes ( approx ) and then told me the " system was down '' and that she had no idea when it would be back up. She contacted me once the system was up and I was able to log in. The next time I tried to log in, yesterday, only about a week later, I received the same error message that my user name was incorrect ( despite it being the same one I have been using since I opened the account in XX/XX/XXXX ). They are closed for the weekend, the issue is unresolved, and I can not file my taxes until they fix this account issue ( again ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no idea who this collection agency is, nor have I received any communication from them other than repeated phone calls that are becoming harassing. This company repetitively calls my phone and has never left a voice mail message. After calling the number back and learning it was a collection agency, I thought it was spam since they have yet to leave a message and blocked the number. However, they continue to call from several different numbers and do not leave a voice mail message anytime they call. This is a brief list of times and dates from 3 different phone numbers they have called from : XXXX : XXXX : XXXX XXXX : XXXX : XXXX, XXXX, XXXX XXXX : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX This out of control and I am demanding that this company never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NC
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:
Accordance with Fair Credit Reporting act XXXX Account XXXX XXXX and 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 : Its 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 2021-06-15
Company: EQUIFAX, INC.
State: AL
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:
I have including XXXXXXXX XXXX XXXX XXXX and sent the letter via mail on XX/XX/2021 and I have yet to receive a response. I have patiently waited for 120 days, no response. I asked that the validate this account that is inaccurately reporting to my credit profile and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( XXXX  , EX, XXXX  ) XXXX  XXXX  Account # : XXXX ( XXXX, EX, XXXX  ) XXXX Account # : XXXX ( XXXX, EX , XXXX  ) XXXX Account # : XXXX ( EX only ) XXXX Account # : XXXX ( XXXX, EX, 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 2022-04-30
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:
I have disputed several times with Transunion about adding someone else information on my credit report. Misleading information on my credit report has caused people to show up at my house ( I have been afraid for my life ), Calls to my employer, and unfair credit decisions have caused me frustration and XXXX. This has made my life a living XXXX for over ten years, and they keep adding this person to my report. I have called disputed, and they will sometimes delete it, but a year later, I see it back on my report. At this point, I am filing a lawsuit because I should be getting monetary suffering. Transunion has made my life a living XXXX, and at this point, I would like their legal office to be involved. My latest dispute, XX/XX/2022, resulted in the information as accurate and was left on my report. This is the 3rd or 4th time I had to dispute this same information, and I know I will have to do so in the future because what is stopping them now from adding this lady 's information back to my report.

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 2019-11-19
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been denied a loan due to Equifax reporting! I have made 9 attempts to retrieve that report online, but Equifax says it is not available online even though they advertise that it is available that way. I have left 2 phone messages using the number provided requesting the report and have also mailed documents asking for this report. 3 months have elapsed. I am entitled to have it once a year anyway and if and when I am denied credit, which I have been. What must I do to get the free report, short of paying the {$11.00} they say I must pay to get it??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2022-04-30
Company: AmerAssist A/R Solutions, Inc.
State: CA
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:
2020 Ammerist AR placed an account under my name into collections without my knowledge of the account being opened. The amount on the account is {$1500.00}. I don't have any knowledge of this account or who opened the account using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Recently, I did an investigation of my credit report which caused me some issues. All XXXX Bureaus are showing a balance that is inaccurate according to contract. It is a different amount listed on contract. in accordance with 15 USC 1605 it would be a violation, also I would like to exercise my right to rescind the contract. In accordance with 1026.23 I have up to 3 years to rescind the contract. 
I have sent written documentation to the creditor requesting that right. I tried several times to rescind the contract upon signing it and I found out that it was not a double wide. I was told that it was too late. I was never given any paperwork stating that I had 3 days to rescind. 
Upon delivery of the home it had a crack. I tried numerous of times including contacting insurance to have it repaired and the company XXXX XXXX that I purchased it from repaired it one and it cracked again and they continued to stall until time ran out and it has yet to be repaired. 
According to 15 USC 1681a ( 2 ) ( a ) ( i ) it is a violation to report late payments as well.

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 2019-11-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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