BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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

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 2016-02-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
There was a total of XXXX accounts that where opened fraudulently through USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. USAA refused to help me with this matter and claimed that I was responsible for the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Starting XXXX XXXX : We " XXXX XXXX '' A XXXX XXXX XXXX under And on behaft of " XXXX XXXX a Dual Citizen of the United State of America : Are sending are Legal Complaints, And Disputing 'EACH of These " Case 's '' with the cfpb. Consumerfinance.gov. ( USA ) That every case be handled individually, and not be called or labled as the same, Each Complaint has diferent Attachments, and may call out another Case Number, it is not the Complints in wording : " Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I do n't know why it took me so long, but realized that my car payment allotment should 've stop. I had a {$300.00} allotment coming out of my each paycheck. So every other Friday I was making a payment. I contacted Wells Fargo Dealer Services on XX/XX/XXXX at pm to find out my balance. They told me they had to contact the Bankruptcy Trustee before they could give me any information and I had to call back in 2 hours. I called back the next day ( XX/XX/XXXX ) to find out my balance and was told that I did n't have a balance. I asked them when my final payment was and the rep said that she could n't tell from my account because it was charged off and had to send a request to a different department and that it would take 24 to 48 hours to get an answer and I had to call back. So I called back on Monday ( XX/XX/XXXX ) and the rep still could n't tell me anything. I asked to speak to a supervisor and I was passed to XXXX and she told me that my final payment was made on XX/XX/XXXX, that would have been my XX/XX/XXXX paycheck. I was told to call back within 24 to 48 hours again for to let the Bankruptcy rep to work on my refund. Since then an automatic payments were sent on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I called back on XXXX to follow up on my refund and I was told that a check for {$700.00} was sent. The number is completely incorrect and I spoke to XXXX the supervisor and told her that if my last payment was XX/XX/XXXX, there was still 4 payments sent since then. I am not sure how they got {$700.00} since {$300.00} evenly was sent every two weeks and they fact that 4 payments have been sent since XX/XX/XXXX. I went back and counted all of my payments starting in XX/XX/XXXX. Over all I 've paid them {$15000.00}. 
XX/XX/XXXX - XX/XX/XXXX {$1300.00} XX/XX/XXXX - XX/XX/XXXX {$8100.00} XX/XX/XXXX - XX/XX/XXXX {$5700.00} - This total what I 've paid them all noted within the transaction information they sent. If I go by what the Trustee stated I owned Wells Fargo it was {$13000.00}. If I go by what they had on that transaction sheet they sent me it was {$13000.00}. Either way I am owned more the {$780.00}. I contacted them on XX/XX/XXXX and gave them this exact breakdown. I followed up Tuesday XX/XX/XXXX and the Bankruptcy manage is still working on it. Called back today XX/XX/XXXX and was told by the Supervisor XXXX that the Bankruptcy manager still has n't looked to the follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Discover Card was paid in full and then an interest rate popped up on a card with {$0.00} that was paid off. The company never alerted me of this or sent me a statement to alert me a payment was due. The account became delinquent and when i saw that, i immediately fixed the issue and paid the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
This story begins back in middle to late 2011 with Wells Fago. The company I was working for cut hours and then cut my pay. I contacted WF for help, I was instructed to miss XXXX payments in order to put my acct in a certain help status. Long story short, it too 3 years, but I tonight it was XXXX, until XXXX last year. Some new acct manger, decided to put my loan in a foreclosure status, sent me new paper work to fill out, because they said they never received my original paper. I filed a complaint with HUD, FHA, and XXXX. After it was all said and done, they did not honor the first refi numbers, they gave me a higher payment and rate. Then finally I got someone from corp office at WF, was very apologetic, assured me that none of this was my fault, that she was very sorry for having her company put me thru this and also assured me that my credit history would be zeroed out, cleared of all the wrong doings from them. Also, I saw where my home insurance was extremely high at {$2400.00} per year with XXXX XXXX. I found a cheaper {$950.00} a year and wells fargo suddenly sent me a statement saying my notes have increased by {$350.00} a month then went down only {$9.00} a month. At this point I just hung up and wonder why I had to be put on XXXX. Well, last week I went to trade my XXXX XXXX with XXXX miles on it in and informed the sale lady my credit was n't the best and should be around XXXX. Well, she called and said it was worse than expected at a XXXX. Then I got the call of a 17.5 % rate at a {$800.00} a month note. I made sure she did n't fall and hit her head real hard, then ask if there was delinquencies reported from Wells Fargo, no surprise she said yes. Then she explained that she could n't do anything better because of what and how they have reported my history. She said everything negative on my report is and would be ok, but the Wells Fargo was the deal breaker. I have since called Wells Fargo XXXX times, left voice mails, called and emailed the HUD lady that helped me in the passed and not XXXX person has returned a call or email. So, here I am starting another complaint against Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$7200.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}

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 non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2017-02-27
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Discovery card, reported on their system history of late payment to XXXX. When I called and questions due to always paying on time, and sometime making several payments in the same month. They stated that based on their system, every payment gets added to the same month not to forward amounts. Which we understand, but do not understand why they they will say we are late .... They say this is something in their system, but not in the credit bearues. My concern is, through their systems, is creating false information of our credit or payment history with them. Because we are paying on time and have done so. So I do not find it fair or correct, if I have never paid late ... Why it should reflect in their system as such ... 
which this action caused my credit to decrease during a home purchase ... Which disqualified me from being able to purchase the property ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I obtained a mortgage loan from Wachovia Bank in 2008. This loan was transferred to Wells Fargo when they purchased Wachovia. In response to a complaint filed, I was recently sent all closing documents related to this loan. However, there were XXXX pages received that were not provided to me with other loan documents at time of closing. Upon review, I noted that the page with the initials are fraudulent, and the notary seal does not contain all the information required by the State of Mississippi. Requirements for Mississippi notary seals can be found at : XXXX ( See page XXXX, Rule 5.20 ) Considering other discrepancies previously identified in the original mortgage documents and the invalid notary seal, the loan should be deemed null and void

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 2022-05-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I called Chase bank on my XXXX XXXX XXXX XXXX card. I had booked a trip that previous XXXX using my card and points. Part of the the XXXX card benefit is a first checked bag fee waiver for 2 flyers. I knew my annual fee of {$95.00} would be coming out in XX/XX/XXXX, so I called in to ask specifically about how changing my card to the lower, no annual fee, tier level would effect my already booked trip. The reason I asked was if the bags were going to be free, I would downgrade. If not, and knowing I'd have more than 2 bags for my family, I would rather pay the {$95.00} annual fee vs. the cost of 4 total bags at {$140.00}. The service rep specifically told me my bags would be free even if I downgraded since that trip was already booked back in XX/XX/XXXX using the higher tier card. After confirming again with the customer service agent, I requested to downgrade. On XX/XX/XXXX I arrived at the airport to find out that the bags weren't free and I owed {$70.00} each way for a total of {$140.00}. I paid it so as not to be stuck at check in. When I got home, I called Chase back on XX/XX/XXXX. I explained what I was told and requested a {$45.00} credit. The difference of {$140.00} that I paid and the {$95.00} annual fee I would have paid. I was denied up front, so I requested a manager to put in an investigation and to listen to the recorded call on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from Chase informing me that they confirmed their customer service agent informed me that I would have no bag fees, but that they could not credit the account and referred me to another mailing I would receive with the terms and conditions of the lower tiered card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sold this " alleged '' account to XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. I disputed this account and it was removed from one of my credit bureau. It is still on my XXXX report. I am requesting that this debt be removed from all credit bureau as no one has validated this debt and this debt has now been sold to another collection agency called, ERC ERC - Enhanced Recovery Corporation XXXX, Florida XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Toll Free : ( XXXX ) XXXX I do not have a relationship with this company and I am requesting that they remove this debt from all credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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:
On XX/XX/2022, I sent a certified letter to XXXX, XXXX, and Equifax. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX submitting yet another CFPB complaint to you today to request that the remaining items be completely deleted from my Credit Report. I have been sending multiple written letters addressed to the Credit Reporting Agencies that they remove the disputed fraudulent items completely from my Credit Report. the most recent letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my personal identifying documents as well as the IDTHEFT REPORT I received from the FTC. These attached documents are requirements to remove any fraudulent accounts and information from my Credit File under the FCRA section 605b. Despite all the letters I have been sending, The Credit Bureaus have become negligent of their responsibility with the FCRA. Under the FCRA section 605b, I am requesting that the remaining fraudulent items be COMPLETELY DELETED from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-24
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation