BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX XXXX in XXXX XXXX mailed a letter stating that the servicing of the loan was changing to XXXX XXXX  effective XXXX XXXX and to remit payments to XXXX XXXX thereafter. 60 days of no late payments until complete. After XXXX weeks of calling back to XXXX XXXX  no official letter no official new mortgage account. I was then advised by XXXX XXXX  to call back to XXXX XXXX. I called XX/XX/XXXX XXXX neglected to send correspondence stating they had retracted the service change to XXXX XXXX charged a late fee for the XXXX payment then after requesting that it was unfairly imputed due to their violation in timely correspondence. The late fee was waived as a courtesy and now a negative report to my credit reflecting a XXXX point drop to my credit report showing a late payment on my mortgage. I believe this is fraudulent and purposed to cause harm after filing a complaint with my Alabama attorney generals office.

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 2023-05-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Wells Fargo collections was paid off, and they keep reporting this as charged off even though everything was paid!!

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XX/XX/2023 - XXXX XXXX XXXX ( XXXX XXXX XXXX ) Dispute Comments still showing on credit report after dispute is over. After contacting agency they discuss they are no longer reporting dispute comments on credit report and should contact all 3 credit bureaus for removal of dispute on comment section on 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 2023-05-08
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my third attempt to get some verifiable information that this debt belongs to me. I have previously disputed this debt as fraudulent as I have no knowledge of this account. 

When request verification BULLCITY claims to be sending the verification documents to the address on file of the debt however they know I will never receive those documents because I have never lived at the address for which said debt is being claimed.

BULLCITY is able to send the debt verification documents requested to the return address on the handwritten dispute I sent multiple times however they have failed to deliver me documents that verify this debt legally belongs to me. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILES FOR FRAUD AND INACCURACIES.

BULLCITY has over the course of many dispute requesting for verification of the debt because it is fraudulent and or does not belong to me however continue to reage this account knowingly reporting inaccurirs. I have never admitted that this debt is mine and have only asked for verification proving the debt belongs to my yet BULLCITY continues to change the date of last activity reaching the account even tho it is fraudulent. I am In BULLCITY a response they stated that I could file a police report to have the item removed however filing a police report is not an option because I do not have enough information on the debt or who could have possibly committed the fraud. However I spoke with a credit agency representative who said a second option would be to file a claim with CFPB. I am running out of options as this is stopping me from opportunities that could enhance my life. 

Delete this account for it is fraud.and provide your verification documents used to determine the debt is mine via your response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Account status incorrect

Complaint:
On XX/XX/XXXX  I sent letter to credit Bureau XXXX, Trans Union, And XXXX By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me in this matter

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 2023-05-08
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: Their investigation did not fix an error on your report

Complaint:
THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. ALSO, I CAN NOT REVIEW MY CREDIT REPORT ONLINE. IT TELLS ME TO GIVE A CODE TO AN EQUIFAX REP. WHEN I CALL THE REP DOESN'T KNOW WHAT I AM TALKING ABOUT. 

XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish an account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Upstart Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I originally took out a personal Loan with Upstart, and it was fine up until I was talked into signing up with a debt consolidation company in order to try to bundle my debts with the promise of increasing my credit score. The consolidation company took payments directly from my bank account without making any payments to my debtors and it took months to get them to stop taking the money out which sent all my debts into default and damaged my credit score which I was trying really hard to build. Upstart was one of these lenders that was defaulted in the process. 

Upstart notified me that they sold the debt to " XXXX XXXX XXXX '' XX/XX/2022. Upon finding out they sold the debt I attempted to contact XXXX  by phone and by email on XX/XX/2022, to try to make payment arrangements or settle the debt. XXXX XXXX never responded to me, and I was never able to get in contact with anyone that could tell me about the account or who to get in touch with. I never received anything from them in the mail resembling an attempt to collect a debt. However, I just learned that they have filed a lawsuit against me without ever getting in contact with me, attempting to collect or responding to my requests for information. 

I have always paid my debts, and I truly regret trying to consolidate my debts because that's where everything went wrong. However, I don't think that its right that they can file a lawsuit without notifying me themselves, attempting to collect it, or even responding to my own requests, especially when I was attempting to resolve an issue the moment I learned of the account being sold. How is it legal for a debt collection agency to file a lawsuit without attempting to collect or responding? I will be contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Sent this letter to Paypal Credit on XX/XX/XXXX with no response from the company. 

XXXX XXXX President / Chief Executive Officer Synchrony Bank XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX RE : Conditional Acceptance of Payment Claim Lowes Advantage Card ending in XXXX PayPal Credit Account XXXX in XXXX Dear XXXX XXXX, I am writing in response to your correspondence dated XXXX the XXXX, XXXX in which you claim that I am obliged to make a payment to Synchrony Bank for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Synchrony Bank for the provision of services and / or goods. 
Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Synchrony Bank has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or time frames. 
Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms. 
Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering. 
If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above. 

Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner. 


Sincerely, Then I received an on-line correspondence thru my email from them saying something about them looking for a missing payment. Then the next day the account was credited for the total amount due of {$1400.00}. 

Now the amount is back on my account as a current balance due and my card has been frozen which is an interference in commerce.

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 2023-05-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Usaa has chosen. Not to do business with me but chose to deposit my va benefits into an account I have no ascess to. Leaving me with late fees on ultilties and rent. This is due to their policy of taking up to 60 days to close they account. This complaint is to inform USaa. That any and all fees along with any and all legal matters will be presumed in this matter. It is by no means justified to deny me the opportunity to eat or maintain a roof over my head Your policy creates a hardship for me that will force me in a finiacial situation that will be impossible to overcome release the funds by returning the to the XXXX treasury NOW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my bank account. I have deposited multiple checks from the same company ( XXXX XXXX ) and have never had an issue. Upon deposit of this check the entire amount was held. After calling the bank, Wells Fargo, I was treated rudely and then the woman on the phone proceeded to extend the hold an additional 5 days. They have failed to explain why, after having receiving multiple checks from this company, they have chosen to hold this one. Now my account will be charged additional fees and will be overdrawn for an extended period of time which will also result in another charge. This bank has had multiple infractions for the same type of actions. I will no longer bank here and I dont recommend anyone bank with 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The list of account XXXX  XXXX  XXXX has violated my federally protected consumer rights to privacy and confidentiality, XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX XXXX  XXXX has sold this alleged debt to XXXX XXXX XXXX XXXX I did not give written consent nor was I notified of this sale on this alleged debt.. 

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 if 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 explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 2018-04-11
Company: NATIONSTAR MORTGAGE LLC
State: GA
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:
NationStar Mortgage is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made an electronic payment and it did not go through. I will like a history of all the electronic payments that were made from XXXX to 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 2023-05-08
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There has been many times where they will not cover overdraft fees.

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 2023-05-09
Company: JPMORGAN CHASE & CO.
State: WY
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:
On XX/XX/XXXX I received a Chase Freedom Unlimited card in the mail. It was forwarded from my old address since I moved in XX/XX/XXXX which caused a delay in my receiving it. I also received a letter from them dated XX/XX/XXXX stating that I needed to call prior to XX/XX/XXXX to cancel the balance transfer of {$13000.00}. Due to the delay this date was already passed. I immediately called and reported this as a fraudulent account as I hadn't requested this card or the balance transfer. Chase stated they would look into it. I heard nothing from them until XX/XX/XXXX when they sent a letter stating they looked into it and they believe it is my account. I called again and told them it was fraudulent and asked them to look into it again. I also filed an identity theft report with the FTC and a police report at the same time. Chase stated that the balance transfer went to my Bank XXXX XXXX card. I have a Bank XXXX XXXX card, but it is not the same as the one the balance transfer went to. I sent a letter to Chase on XX/XX/XXXX requesting this account be closed and removed from my credit report. I filed a dispute with XXXX on XX/XX/XXXX. I received another letter from Chase on XX/XX/XXXX stating they still believed it was a valid account. I called them again to say it was still a fraudulent account. Their fraud division called me on XX/XX/XXXX and asked for my XXXX XXXX XXXX statements to prove I hadn't received the balance transfer on my card. I emailed my XXXX XXXX XXXX statements to them showing that no balance transfer had gone to my card. The amount transferred was higher than the limit on my card and significantly higher than any amount I have ever owed on that card. I also included a copy of my credit report showing that I do not have any other Bank XXXX XXXX accounts. This should be everything they need to show I didn't start this account or receive the balance transfer that the account was used for. On XX/XX/XXXX I was emailed from XXXX showing that they had removed the Chase account from my credit report because they found it to be a fraudulent account. I also received a letter from Chase stating that they still believe I am responsible for this account despite me sending proof that I am not.

Company response to consumer: Closed with non-monetary relief