BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
ON XX/XX/2021. my account is now minus {$460.00}. the tellers at the wells fargo bank are tampering with my account illegally. please investigate. numerous times withdrawals from XXXX for {$360.00} is consistantly taken out and the company I told the claims dept. under FTC & FBI investigation for stealing and towing away the XXXX  XXXX, while my wells fargo debit card was available to them. This was a SCAM inorder to charge me more money. the field manager XXXX XXXX was responsible and is known to OVERCHARGE his customers since he worked at XXXX. I am also being charged twice with planet fitness and some type of audio XXXX service. I asked the claims dept to investigate but if you have a chance look at my wells fargo online account and see how it is very confusing.The dates are being changed when I made a deposit. and deposit are scattered so that I could be charged a late fee. too much for me. I am on a fix income and now living in provety in a XXXX XXXX where I am being victimized 24/7. I am a widow of an XXXX XXXX veteran. this is a crying shame! how I am treated in my own country.

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 2020-04-18
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:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2023-03-24
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is not a duplicate. 

On XX/XX/2019 I tried to open an account with TD Bank due to their advertising a {$300.00} promotion for new customers. I had never before had a bank account with TD Bank. I was unable to complete the account opening due to problems with TD Bank 's web site. On XX/XX/XXXX I again tried to open an account with TD Bank and was successful. 

When I logged in to the account, it showed that my first attempt to open an account had in fact worked, although there was no way for me to know that. As there were now two open accounts, I asked TD Bank to close one of the accounts, and complied with the requirements to receive the bonus. 

TD refuses to pay me my {$300.00} bonus because they say that I was not a " new '' customer when I opened the XX/XX/XXXX account, due to the XX/XX/XXXX account being ( unknown to me ) open. 

I opened the account specifically in response to their ad for the bonus, and complied with the spirit of the requirements to receive the bonus. It is ridiculous for TD to claim that I was not a " new '' customer because of the XX/XX/XXXX account of which I was unaware and which was never funded and had no transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a collection agency called National Credit Adjusters put a collection account on my credit from a payday loan. I never had an account with XXXX XXXX. I contacted this agency and informed them that it is not my account and requested validation via Certified mail. They won't send me anything and they continue to report this mistake on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Citibank has charged me late fees for statements I'm not receiving. I've attempted on multiple occasions for my address to be updated as I recently moved to another state, yet they refuse to update my current address and refuses to close my account. The account is paid in FULL with a credit of {$570.00} owe to me, yet they will not close my account or credit my account for late fees. I've spoken to multiple supervisors, managers, and the issue remains.

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 2020-07-07
Company: WELLS FARGO & COMPANY
State: PA
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:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2022-07-25
Company: U.S. BANCORP
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We purchased this vehicle on XX/XX/XXXX. In XXXX of XXXX my husbands job moved us to XXXX At that time, with no communication as to why, our payment went up {$110.00}, from {$1700.00} per month to {$1800.00} per month. We called and were advised that XXXX had a lease tax. On XX/XX/XXXX my husbands job moved us to XXXX We sold our home in XXXX and bought a home in XXXX. We changed our addresses on file with US Bank. We registered our vehicles, including this one, immediately in XXXX. We called US Bank in XXXX and asked when the XXXX tax of {$110.00} would be removed. They said it would come off and we just needed to wait. I called again XX/XX/XXXX to inquire when they would be removing this amount. It took an hour to reach someone and I was told that after speaking to a " credit specialist '' we had to call XXXX XXXX XXXX Tax assessors office and tell them to stop billing US Bank the XXXX Tax Amount. I asked how I was supposed to do that? I lived in XXXX and I know the tax assessors office is not reachable by phone and I am XXXX hours by car. They proceeded to hang up on me. I immediately tried to call back. I headed another " banker '' XXXX and told her what happened. I told her I was officially disputing the XXXX  tax amount. I just can't with them any longer. They are doing something similar on another account which I will be filing a separate complaint for. My husband and I are rule followers. We pay ALL of our bills on time always. This account is current. As of now they have collected XXXX months of this extra tax that they should not be collecting. We are asking for assistance as this company is absolutely refusing to help us in any way with any account we have with them. I am attaching the original contract. The last statement with the original payment amount, XX/XX/XXXX. The XXXX statement with the additional tax amount XX/XX/XXXX and who I talked to when I received it. And our most current statement from XX/XX/XXXX which has been 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 monetary relief
Consumer complaint received 2015-05-13
Company: Priority Financial Services
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
While searching for a mortgage loan I was contacted by Priority Financial to help in getting me the best interest rate. Everything went as expected until the disperse net and I was not allowed check due me until I paid Priority {$4000.00} back for them helping me. My back received check and was not released until check was received by them. I found out this was not a correct procedure when I went to refinance loan and refused to deal with a broker. After contacting Priorty they have said they can not find where check was deposited and they would not have anyone work for them they did this. I have sent them documents, front and back of check, and people I dealt with. They have offered {$1000.00} to us because of my health, XXXX, and circumstances happening at the time but can not tell me where money is, who cashed it and if this has occurred with anyone else. At a loss as what else to do. Should I accept the {$1000.00} and be grateful to get some of it back or continue to fight on. It astounds me a company that deals with money, customers and knows nothing of this check. I really need to know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: MD
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}

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 2016-07-30
Company: Genpact Limited
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
This collection company for XXXX XXXX card that I 'm behind on my payments I believe it 's called genpact calls at least 10 times a day but where they made their violation is sometimes they call over and over seconds apart and just hang up to harass me and I believe this is after I let XXXX know that I 'm XXXX and that 's why I ca n't talk on the phone and I have no way of reaching them by email. I just do n't think it is funny at all when they keep calling and hanging up repeatedly XXXX at XXXX for example they let it ring once or twice and then hang up, two seconds later they do the same thing and so on and so on. Abusive harassing Behavior that I 'm thinking about suing. I 'm just XXXX and being abused and I would like to put a stop to it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 1 ) XXXX of XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 )  XXXX/ XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX XXXX.. ( XX/XX/XXXX ) 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/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 2016-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a letter to Equifax stating the information they have on file is incorrect. Asked for them to send me verification with my signature on XX/XX/XXXX, 2nd letter went out XX/XX/XXXX asking for the informaton again. XX/XX/XXXX sent letter again asking for information along with letter from U S Bankruptcy Court in Texas. No comments on Report except NO tax liens or judgments. On. XX/XX/2016 sent one more letter before I file suit for not receiving written verification with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: MO
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Forster & Garbus LLP
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A company named Forster and Garbus garnished my wages for a debt that is not mine. I was never informed of this either. My employer showed me a paper and it showed an address I havent lived at for years. I called the company and they were demanding my personal info and said they wouldnt help me if I didnt give them my info so I hung up. The paper my employer showed me was from 2007 and it was my maiden name. I was already married in 2007. I have no debt in my credit report I am in debt consolidation and pay all of my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I submitted XXXX complaints to Hyundai motor finance and XXXX XXXX XXXX. 

My transunion credit report is showing inaccurate information, it says I have a payment over thirty days late in XXXX of XXXX. This was the response I received from Hyundai. 

In their complaint, XXXX XXXX XXXX states a credit bureau is showing a late payment for her Hyundai Motor Finance ( HMF ) account in XXXX. XXXX XXXX requests the late payment be removed from her credit report. While HMF is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to the accuracy of the credit reporting for her accounts. HMF has reviewed the account of XXXX XXXX and believes the reporting is accurate. HMF has reviewed the credit reporting for XXXX XXXX account with XXXX, XXXX and XXXX, none of which are reflecting any late payments on the credit reporting for her account. Should XXXX XXXX have a credit report from one of these credit bureaus showing otherwise, she may provide a copy to HMF, who will then re-open their investigation HoweveXXXX XXXXXXXX investigation on XX/XX/XXXX came back with something totally different. They said I have a late payment which is inaccurate I was never late.

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 2018-05-30
Company: CITIBANK, N.A.
State: AZ
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:
During XX/XX/2017, XXXX XXXX negotiated with Citibank - XXXX  regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired The XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.

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 2017-05-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX XXXX, 2017 I noticed that my credir report dropped a significant amount. This was due to an error that XXXX XXXX made. They erroneously reported that I was using between 12 and 29 % of my credit for the month of XX/XX/XXXX. On XXXX XXXX, 2017 Supervisor at XXXX XXXX XXXX stated she would message the XXXX reporting agencies, Equifax, XXXX and XXXX of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached 2 screen shots of my credit report. The correct one and the one that took a hit uneccessarily. Please fix this error ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2017-10-12
Company: WELLS FARGO & COMPANY
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:
Account no. XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo bank customer since XXXX XXXX, XXXX. 

On XXXX XXXX I received a statement, on XXXX XXXX, XXXX no statement was received. All my payments are sent out on or before due date. ( Please check your records. ) On XXXX XXXX, XXXX, I received a call from a Wells Fargo representative stating, that No payment was received for XXXX or XXXX XXXX. I explained to the representative that, I never received a monthly mortgage statement nor a delinquent notice letter of the amounts past due. I agreed to make payments during our conversation for XXXX and XXXX XXXX, XXXX. In addition, payments was made for XXXX, I set-up an automatic payments to avoid late payments. During our conversation, I continued to explain to the representative that, this should not be reported on my credit report, in which Rep., agreed at the time she will have it not reported and the late payment will be removed, because of no statements were not sent out during this month. 
On XXXX XXXX, XXXX, I yet not to receive a statement from your office. 
I am currently in the processes of purchasing a new home due to damages on my home, due to hurricane XXXX. But, because I have a delinquent notice on my credit report I might not get the loan. The loan officer request that it should be removed immediately. 
Can someone contact me with 2 business days to have this matter removed or I will not seek a new home. This matter shouldve be resolved when the representative stated over the phone. 

Sincerely, 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 monetary relief