BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Recently used a credit repair company and they didnt help much. Although it was true I didnt recognize the following accounts. XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$760.00} XXXX  XXXX {$83.00} XXXX  XXXX {$330.00} XXXX XXXX   XXXX {$260.00} XXXX  XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, I am writing regarding my house XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX, I have been trying to work with Wells Fargo for the past XXXX months to make payments on my home that is being up for sale for Foreclosure on Friday XXXX XXXX 2015, I made my payments but is still being Foreclosed, I was NOT NOTIFIED of the Foreclosure Auction Sale date for my home, I found out by my Renter frantically calling me XXXX days ago, saying a real estate agent came to the house and told her the situation, I was told by XXXX XXXX, that she was waiting on XXXX to make a decision on the acct, But I called XXXX and they said they did n't know what I was talking about, I also talked to XXXX XXXX with XXXX XXXX XXXX, I told her how my account is supposed to be under review, she told me that she could postpone the Sale if someone from Wells Fargo would call them and tell them to post pone the sale until further notice .But No one will do so. So I am confused why No One is willing to help me, me and my family have been a customer with Wells Fargo way over XXXX yrs, and this is how we get treated. I was told XXXX XXXX is the person on the top of the Mortgage section, but she will NOT return our calls, we leave her messages, when we do get a hold of her, she says she 'll call back but does n't. No one will help me, this is my only chance of saving my home that is supposed to be left for my kids. I hope I will hear from someone by tomorrow..I 'm sure the President did n't give the banks a Bailout, to treat us citizens this way ..I am begging the bank to take my money but they 're making accuses for not taking it, now that finally took the payments, they 're sitting on it, so my house can go Auction sale on Friday the XXXX. So I am getting the run around by Wells Fargo, and they will Not tell me who they 're waiting on to continue with the case.. Please help I can be reached at XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
It appears that my personal checking account at PNC Bank can not be connected to my business checking account at another bank. My business account uses the XXXX XXXX to connect, which PNC has outright blocked. This is extremely annoying and limits my ability to move funds between my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2014 I received notice from SunTrust Bank that a check I received by mai for {$2500.00} had been returned and a deposit item return fee of {$12.00} would be charged to my account. I accepted the actions and fee assessed to the account and considered the issue closed and the {$2500.00} deposit would be reversed from my checking account balance. On XXXX XXXX I receive notice that SunTrust Bank had turned my account over to their fraud / XXXX department, closed my my checking and savings account, and submitted a fraud report to Early Warning Services ... XXXX in XXXX Arizona. 


My issue with SunTrust Bank is their handling of the deposit and filing a fraud report on my account when they had initially placed the deposit on hold from XXXX XXXX XXXX of 2014 which should have been enough time to determine if the check could be processed or not, along with my contacting their customer service department via chat session to obtain the status of the deposit on hold and being told the funds would be deposited to my account the morning of XXXX XXXX 2014. During the time the deposit was on hold there were no transactions paid or withdrawals processed from the checking account and no loss was encountered by the bank and I have submitted documents along with this statement as proof of what actions were done by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: IL
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 submitted a dispute with experian that per the fair credit reporting act section 609 a 1 a that by federal law i required to request the original signed consumer contract with my signature on it for XXXX XXXX XXXX XXXX and Chapter XXXX bankruptcy. The company stated that they verified the information and it is accurate. I have since tried to redispute the items again. And per the website they don't have to re investigate my dispute. i have also sent them the same letter and upload it to their website 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 2015-05-08
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They are contacting me when I am not the debtor, a family member is. I asked them to stop calling, but they harassed me and said they would keep calling until I found my family members contact. They are leaving voicemail messages about the debt with private information in it, they are threatening to come after me - although I have never cosigned on anything for this person - it is getting ridiculous, I just want them to stop calling and harassing me as well as my friends and other family members.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a commitment to pay off a closed credit card debt of around {$25000.00} with Wells Fargo bank. I was paying the {$800.00} a month as agreed. On XXXX XXXX, XXXX I had a XXXX XXXX and went into the hospital for three weeks for XXXX. While in the hospital I called Wells Fargo and told them I could not physically get out of the hospital to get to my computer to make the payment. In the meantime I received several payments form clients which were already committed to pay subcontractors. When I returned home on XXXX XXXX and as XXXX as I was I wrote out a check and a letter of Introduction for my grandson XXXX who was my XXXX and asked him to go make the payment. He had a lot of errands and did n't get to the bank in time. On XXXX XXXX, XXXX I went online to Wells Fargo and was stunned to see that they had STOLEN {$24000.00} from my account ( which was committed to paying my subs ) and applied it to my credit card without a warning, a notice or permission. This is outrageous. We put money in the bank for safety so robbers wo n't get it -- little did I know that Wells Fargo were the robbers.

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 2016-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Legal Department submitting to the reckless demand of XXXX XXXX XXXX XXXX to out XXXX levies on my husband ; 's account and wiped out his savings. Because it iwas XXXX my income and the legal dept of my bank -- XXXX bank advised me that the levy was improper and rejected it. It was proved true by our CPA later. Wells Fargo is unnecessarily delaying to lift up XXXX successive levies that causes hardships on my husband..

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 2020-08-09
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to XXXX XXXX Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. 

The letter was sent to : XXXX XXXX XXXX, XXXXCA XXXX Listed Adress on the record : XXXX XXXX XXXX, XXXXCA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: TN
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 ASK THESE CREDIT REPORTING COMPANYS TO REMOVE THESE ACCOUNTS 3 TIMES I DO NOT AND NEVER LIVED IN THE STATE OF MISSISSIPPI MAKING THEM ACCOUNTS A DATA BREACH OF MY 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 explanation
Consumer complaint received 2016-07-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I demand that Wells Fargo provide me the following documents in that they have no contract with me and do not own the mortgage or home they have violated the SEC rules and regulatins and the FHA laws. They have securitized the loan into hedge funds and continue to harass and threaten even during my bankruptcy. 
I want full accounting of this loan Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account Wells Fargo has taken advantage of me and other XXXX home owners across the country. They have falsely certified and submitted ineligible residential mortgage loans for FHA insurance. I want the owners of this company arrested and locked in a prison without bail. I also demand a full refund and XXXX dollars in settlement for pain and suffering and harassment because they violated the FHA laws and used predatory lending practices

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 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 ASK THESE CREDIT REPORTING COMPANYS TO REMOVE THESE ACCOUNTS 3 TIMES I DO NOT AND NEVER LIVED IN THE STATE OF MISSISSIPPI MAKING THEM ACCOUNTS A DATA BREACH OF MY 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 explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
You were good enough to correct Trans-union 's refusal to allow me to access my credit file. They listened and granted me access. For a short time. Their original excuse was that something needed upgrading/system was down, etc., well here we are again. 

TU again refuses to allow me to log in here : https : XXXX so I try again. 
Then I go to the " forgot my password '' page here : https : XXXX? 

But that page does not accept the information I provide and just goes back to the beginning. 

Please help as I am working very hard to amend discrepancies. Trans-union has always been difficult and unresponsive in my experience and that of others I engage with. I'm sorry to have to come to you about this Again.

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 2020-08-08
Company: EQUIFAX, INC.
State: TN
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:
The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Ive been trying and getting my credit card converted back to no annual fee credit card and Ive been getting too many run around and I was told that I have to wait for a least a year for that and promise I would get my annual fee refunded and second Ive been charged lots of interest on my credit card ending in XXXX while Im in COVID-19 program and Citi doesnt waive these fees and Im close of ending my credit limit and  Ill get charged about XXXX dollars worth of interest from XX/XX/2020 to XX/XX/2020 and Citi isnt helping me and looking out for customers and Im slowly trying to pay off this credit card so I can move on with my life

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 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I Am a federally protected consumer. XXXX was notified of a dispute of account with Capital One Bank NA Account number XXXX on XX/XX/22 XXXX has notified the consumer that they have completed the dispute XXXX has failed to make it clear if they deleted updated or whatever action has been taken with said dispute being complete pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPIEIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND CAPITAL ONE SHALL BE DELETED PERSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULTEC FROM IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: LEXISNEXIS
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
LexisNexis has been reporting inaccurate information that actually belongs to someone else under my name. I have reached out to them several ways. I inquired about the error, but never received an answer. They only corrected the information and sent an updated report. The damage was already done because insurance companies have been charging me based on their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it

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 2020-08-08
Company: Experian Information Solutions Inc.
State: OH
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 am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.

XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX DOB XXXX SS 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 2020-08-08
Company: EQUIFAX, INC.
State: CA
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:
FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND EQUIFAX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID OUR MONTHLY PAYMENT ON TIME. OUR PAYMENTS WERE MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. PAYMENTS THAT ARE MADE TO XXXX XXXX  WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX   PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT DATA WHICH IS IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT ALL OF OUR PAYMENTS WERE MADE ONLINE BEFORE THE DUE DATE. SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BOAT AND OUR BELONGINGS IN OUR BOAT WERE STOLEN! SO WHEN I GOT BACK HOME WE CALLED XXXX XXXX  AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE XXXX XXXX A LETTER ASKING THEM TO REMOVE THE 2 LATES ON OUR CREDIT REPORTS THAT WERE WRONGFULLY REPORTING AND THEY DID. WHAT I DIDN'T REALIZE THOUGH WAS THEY FAILED TO REMOVE THE REPOSSESSED/REEMEMED DEROG COMMENTS TOO. 

AGAIN, THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: VA
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 wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation