BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
To whom this may concern on XX/XX/XXXX a previous complaint was filled with the CFPB ( ccomplaint # XXXX ). It has been more than 30 days since my complaint has been filed and I have not received any substantial remedy or status since my initial request. After review by XXXX, the account was removed from there reporting as the account did in fact contain these errors. I requested that the following account be reinvestigated and removed due to multiple errors found within this collection account. By law, only accurate information may be reported and the account was previously disputed and marked as updated. My 1st reason for deletion is inaccurate date of acquisition by XXXX which is reported as being purchased on XXXX XXXXXXXX XXXX XXXX shows the account was actually purchased XX/XX/XXXX. XXXX XXXX stated on XX/XX/XXXX that the account was closed and would be reported as closed which they failed to do. The account only showed as a collection with no payment history or details. I also requested all documentation showing a summary of all charges because the amounts owed was also wrong. On the last statement received dated XX/XX/XXXX the balance subject to interest is {$2500.00} plus 22.99 % interest ( {$50.00} ) which totals {$2600.00} not $ XXXXThe account was disputed with the original creditor and with XXXX XXXX XXXX XXXX  and your bureau Trans Union In my original dispute I requested a copy of the original contract with my signature as well as the accounting documents showing how the total amount owed was calculated. I have received neither of the requested items within the time allowed by law. These items are highly damaging to my credit worthiness and character and may be subject to civil compensation. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, section 611 subsection A-D I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

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 2022-05-27
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SEQUOIA FINANCIAL SVCS at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXhas been sending me collection notices in the amount of {$500.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been dealing with the same problems year after year since I turned XXXX ( I 'm XXXX now ) when trying to check my credit, and while looking at my credit. FIRST, the questions that they ( the agencies, to be specific ) ask to verify my identity ( " your mortgage loan '', " your retail card '', etc ) HAVE NOTHING TO DO WITH ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY ARE NOT MINE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Second, when I finally manage to view my credit report, there are fraudulent items that were created BEFORE I WAS XXXX ( I believe there are still, there were last year, but I am not able to check my credit AGAIN because of the questions that I do n't know, and that 's why I 'm here, again, because no one is doing anything ). And last time I was here, you all had a glitch with your site where I could not check the status of my complaint. I hope that is fixed now. Can I catch a break PLEASE. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My account was disabled when I became behind on payments due to XXXX pandemic which prohibited me the consumer, the natural person to make any payments, this company was opposed to accepting a debit card payment as well. I the consumer did not opt out of having my statements mailed to me, I have not received any statements via mail as requested. I also called several times to let the company Nissan Acceptance and Infiniti Finance Services to ask for assistance with helping me in making the payments to keep the car. I asked Infiniti Finance Services to work with me. Ive called to try to collect my personal belongings from the vehicle after repossession. I also did not give written consent to Associate Asset Recovery nor Nissan Acceptance Corporation nor Infiniti Financial Services to tow my car to any location. I never gave written consent for my personal and private information to be sold by these companies for their personal gain. Federal Violation pursuant to 15 USC 1692 ( 6 ) ( A ) XXXX XXXX XXXX was not given written consent to tow nor reposses the vehicle and they are holding my personal belongings hostage. I have called to make an appointment to collect my personal belongings from XXXX XXXX XXXX, with no answer and results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a credit report pulled with my financial institution and there was a social security number on it that does not belong to me.I went down to the social security office and they told me they do have an official person with this number and they are receiving benefits and he said this person must have made a mistake with spouses number and put my number in his information instead of his spouse 's and now his number is on my credit report from Experian I tried to call Experian about this and only got a recording.I would like this person 's number of my credit report.I looked my credit report over and all the information is correct so this is just a mistake on the benefits part but I want it off my report. My number is the top XXXX the wrong number is underneath mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-10-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016, I sent a letter to Experian complaining about several inquires that were showing on my credit report. I sent them a letter from XXXX XXXX for a XXXX XXXX inquiry that I never made. In the letter from XXXX XXXX they agreed to remove the inquiry and notify the credit bureaus. Experian still shows this inquiry despite it being over 90 days old and requested to be removed by the creditor. See attached letter as proof. I believe Experian is violating my rights in delaying the removal to purposely keep my score. I demand the inquiry be removed immediately without any further delay.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: IL
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  Account # XXXX, XXXX  XXXX, XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish 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 2016-09-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am requesting wells fargo send my original mortage loan documents with my original signature on document to any local branch within XXXX miles of my property so I can examine the document. I am once again stating my mortgage documents were altered by wells fargo and its employees. My rate was changed. 

And recently the investigation regarding wells fargo and XXXX plus employees doing fraud on other XXXX plus wells fargo customers re affirms my claims that my documents were altered. 

I am requesting to see the original mortage note and mortage documents. 
Below is a previous case Info. Above is updated info I am requesting. 
I am a victim of Predatory Lending. Please see attached documents. Wells Fargo is refusing to provide complete closing documents. They are downplaying HUD-1 Documents were it shows I am not suppose to pay mortgage insurance. They provided me a copy of a document which I signed at closing, which only shows the following : Page XXXX of attached documents shows no signature from me. 
Page XXXX document is altered. Under where it says Estimated taxes and insurance, someone typed in Includes Mortgage Insurance. This clearly looks typed in. 
Page XXXX also shows someone typed on the bottow left, Initial Print XX/XX/2013. No other document shows this. This was typed in there during my complaint process. 

Wells Fargo provided XXXX document which I was told to sign at closing and that it was a mistake and they would fix it and not to let the closing get delayed because of this. 

I want this matter investigated properly.

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 2022-05-27
Company: FinCo Services Inc DBA Current
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/XXXX XXXX pm i transferred XXXX dollors from my current mobile bank app to my XXXX app account it was a debit to debit card transfer it took 30 minutes for it to be transferred it went smoothly but on XX/XX/XXXX the very next day at XXXX am i did another transfer of XXXX dollars it never was transferred from my current bank app to my XXXX account i made the same exact transfer as the day before in my current bank account it says pending but customer service from XXXX XXXX XXXX  says there was no kind of transaction from my bank i explained it to my current bank customer service they said they cant help me i have to deal with the merchant but they never received the transfer so i called back the customer service at my bank she says that it takes 10 days for it to process but the day before it took 30 minutes because it was a debit to debit transfer she never looked into my account to see what was going on with my transfer so now either side dont know where my XXXX dollars is at my current bank account has the receipt # the day and time of my transaction but they dont know where my funds are XXXX account have no transaction of my funds being transferred i explained this to my online current bamk customer service and she was rude and told me that there is nothing they can do ive banked with current for over 6 months now i direct desposit over 2000 dollars with this bank every month i entrusted them with my direct desposits and they just wont look into the matter the receipt # for the XXXX transfer receipt is XXXX it the date of thus incident was XX/XX/XXXX at XXXX in the morning i really need help to resolve this issue i appreciate if simeone would help me i work hard for my cash and i just dont like my money being lost from a bank that i entrust with my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: WELLS FARGO & COMPANY
State: GA
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:
My account with Wells Fargo Card Service should be no more than 30 days late in the month of XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditors were neglected. This should be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I want to validate the company and get paperwork in regards to how much is owed and verify that the company is valid before setting up a payment plan with a company i have never heard of and/or cant find via internet search. Every site I go to states its scam collectors. I 've been scammed out of money before and will not again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: SUN LOAN COMPANY INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX had surgery and missed 1 year work I did file Chapter XXXX but forgot this account. They charged in off in XX/XX/XXXX I recently offered to pay off the charged off amount of {$890.00} but they stated you owe {$1100.00} total with interest. This is a rip off and XXXX the lady I talked to was XXXX and XXXX. Really do not understand how a company can continue to chage interst on a debt charged off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
President - i closed my td bank account XXXX but they still send account alerts to XXXX. i called yesterday they said its still not closed and there waiting for another department to close it and cant stop the alerts. by law. pta do this now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX est.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.

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 2017-02-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this compliant because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thanks

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 2022-05-27
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Never opened this account. Suspect fraud with Wells Fargo. No one will help me. Wrote letter. No 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 non-monetary relief
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. 

There have been several disputes submitted to Experian regarding inaccuracies with more than XXXX account ( XXXX and XXXX were submitted through this portal ). 

There are approximately XXXX accounts on file at Experian that appear tot be incomplete. They lack an Account Type, Balance, Pay History, or have a Monthly Payments that are & gt ; XXXX, when the account is either closed or - has no balance. 

Additional issues are also highlighted for an Account that I never opened, an account where the Pay Status does not equal the Pay History as well. 

My Acct with XXXX as an example ( Issues XXXX ) has been disputed previously and Experian has stated they verified this account. 

There are some XXXX accounts with no " Account Type '' Classification, when this appears to be required as part of the metro file/cdia/crrg requirements I have seen. 

1. Please verify the status of this account, as it is not accuratea. The Account Balance is inaccurateb. The Payment History is inaccurate and incompletec. The last paid date is inaccurateA summary is attached alog with screen shots from Experian 's Direct credit monitoring service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: AMERICAN EXPRESS COMPANY
State: CT
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 XXXX XXXX I received a notification from XXXX XXXX that my score went down and went I look I saw that a American express card was opened with a credit limit of {$1000.00} and a balance of {$330.00} and it wasn't me so I called American express to notify them about my issue and they told me that I don't have any account open with them so I called XXXX and made a dispute with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Card issuer converted promotional balance to revolving balance and charged {$26.00} in interest when the promotional balance had been paid off. Card issuer refuses to refund interest charged. 

Purchase amount was {$440.00} XX/XX/XXXX. Payments made were {$30.00} XX/XX/XXXX {$48.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$450.00} total was paid and the plan was set to expire XX/XX/XXXX. 

This was paid before the expiration of the plan and should {$26.00} should be refunded. 
Statements attached.

Company response to consumer: Closed with explanation