BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2022, I mailed TransUnion, XXXX, and XXXX to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not consent to authorize nor Benefit from the following account ( s ). Block and Remove

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 2016-08-31
Company: WELLS FARGO & COMPANY
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was cosigned on a car loan through Wells Fargo. The car was totaled in an accident in XX/XX/XXXX My granddaughter 's insurance paid a settlement sometime before XXXX XXXX. There was a remaining balance. I did not find this out until XX/XX/XXXX, when I returned a call from collections. Meanwhile, Wells Fargo had been reporting that a deficiency existed on the account to the credit bureau. As a result my credit score dropped from excellent to poor. When I asked them point blank " Why was n't I notified? '' they could n't give me an answer. Had they notified me at the time of the settlement, I still had excellent credit and the ability to arrange for immediate payoff of the balance. They should have given me written notice so that I could have had the necessary information in hand. I simply was not kept apprised of the change in the account. I faxed a complaint to their dispute resolution unit and was promptly ignored via an unsigned boiler plate response. Knowingly or not, they manufactured a deficiency against me that would have never come about had they given me written notice. I have taken over the monthly payments since this situation arose. I would not be making these payments had I been afforded the opportunity to pay this loan in full when my credit score would have provided the means to do so. 
My credit report speaks for me, reflecting a long standing excellent credit history. Good credit is vital to my personal finances as I am on a fixed income. This deficiency is the only mark on an otherwise excellent credit record.

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 2020-03-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
Upon upon doing research, it appears that I may have in fact had a past relationship with Fifth Third Bank a few years ago. 
I believe I may have had a past credit card account ( ending in XXXX ) with Fifth third bank a few years ago, then another credit account ( ending in XXXX ) was later opened. Im not sure how. Thousands of dollars have been charged on 1 or both of these accounts. Me and my brother have tried to refer both accounts to the Debt consolidation program ( XXXX ) in which I was advised that they ( XXXX ) would not be able to add the latter. 
I am attaching a screenshot below. 

I believe 1 or both accounts was opened by fifth third bank without my authorization. 
I would like a refund for both cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, Bank of America assessed a {$12.00} " service fee '' on my new checking account. I increased my balance to the {$1500.00} required minimum and asked them to refund the fee, since I am retired on a limited income. They refused, claiming it was a " valid fee. '' I have no idea what " service '' they allegedly provide for {$12.00} a month! They don't pay interest and they haven't even sent me any checks!

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 2016-09-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Someone used my name without permission to apply for auto loan. Now that person is in default and Wells Fargo continuously calls me for information on that person. My only concern is whether or not my credit is/or will be affected. I have a stellar credit rating and hope that this will not affect it. I never signed or co-signed any document ( s ) giving my approval for this loan and would appreciate it if Wells Fargo would not continuously contact me in regards to this matter. I had no knowledge that my name and phone number was used in this matter until Wells Fargo started contacting me. It is very annoying to me since I pay all my debts on time and none of my creditors are looking for me for debt that I owe because I pay my creditors on time when due. How can I get Wells Fargo to stop calling me interupting me for a matter that has nothing to do with me.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I recently found that you are still illegally reporting inaccurate, noncompliant, and false information about me, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists for the following accounts & account numbers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Please delete accounts from my report immediately. I await your reply. 

Thank you, 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 explanation
Consumer complaint received 2016-02-15
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I got a call from my HR at work to tell me my wages are going to be garnished, due to a court ruling lether he got. This blew my mind because I could n't for the life of me think who this creditor could be and how do they have the right to garnish my wages without me knowing a thing about it. My HR gives me the number to call and the company is midland funding which I never heard of ever and they said they got a court ruling to garnish my wages, because they sent several attempts to my address on file and no response, so I ask for the address on file and it 's my mom 's house in which I have not lived in for 11yrs, and my mom never got any mail to me EVER. If I knew it was a court order I would of definitely responded. I know the FTC filed a lawsuit against tribute credit card and I do n't remember ever having that credit card and they could n't produce any info to me but that they are taking my money. This is so upsetting, because I live paycheck to paycheck. This is not right that a court and company will make their own judgements, while the the other person does n't know a thing that is going on. These people are incredible, and the extent they will go to embarrasse you and take your money. As if I had millions. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : XXXX XXXX XXXX XXXX XXXX Collection Agents : COMMONWEALTH FINANCE Debt : {$1200.00} I am a recognised victim of Identity Theft due to Stolen Identity which has comprised my identity and due to the effect of the XXXX  breach. Over a year ago an Identity Theft Affidavit was filed with the FTC along with supporting documentation which included my police report of the incident were furnished via the disputing process and the creditor and the 3 credit reporting agents were informed of the process. The creditor ; and the 3 ( CRA ) complied but have to date stated that they have revalidated and are re-reporting this account that was fraudulently opened due to Identity theft. The creditor, XXXX, XXXX  and XXXX have disregarded the 605B rules set forth in the supplied guidance document provided which dictates the rule set by the FCRA and is not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: ENOVA INTERNATIONAL, INC.
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Had a collection notice from midwest recovery services appear on my credit report for a payday loan front cashnetusa for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: WELLS FARGO & COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Although Wells Fargo is not attempting to collect the debt at this time, they are punishing me through incorrect credit bureau reporting, in violation of the Fair Credit Reporting Act. Wells Fargo continues to report vastly different information to each of the credit reporting agencies about a line-of-credit loan which was paid in full through Chapter XXXX, including the reporting of past-due amounts even during the final year of the Chapter XXXX repayment period! 

Although their reporting to XXXX is the most damaging of the XXXX, there are errors on all of the credit bureaus ' files. 

After disputing multiple times with the credit bureaus, only to have no updates done, I have sent Wells Fargo a letter asking them to please correct the inconsistencies and provide all three credit bureaus with the same information update, but they have not responded to my written complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance with Wells Fargo Home Mortgage after falling behind on my payments. I hired an attorney to assist me submit all of my paperwork. My attorney states i qualify for Making Home Affordable. Wells Fargo denied me stating the only reason i was denied was because I did not file my XXXX income taxes. I did not file taxes because my income was XXXX for that year. However, after receiving a denial letter stating they could not approve me because I was missing my taxes, I filed them. My attorney forwarded the filed taxes and appealed the denial within the timeframe allowed. Wells Fargo Home Mortgage denied my appeal 6 days later without considering my newly filed taxes. I am told by my attorney and others that this is normal for Wells Fargo Home Mortgage. It 's all part of their FRAUD they commit against their account holders. In my case they are purposely trying to evade giving me assistance so they make up stupid internal rules and block me from re-applying after my taxes were filed. They now say I have to go through the reentry team. A department of Wells Fargo that is ILLEGAL per RESPA Regulation X. Wells Fargo and any servicer is not allowed per RESPA Reg X to " EVADE '' reviewing me for assistance. I have no sale date and Wells Fargo simply wants to use the excuse of their procedures to run out the clock on my time and set a foreclosure date. They already filed a NOD on 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 explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # 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 2016-09-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account by going into a branch in XXXX, VA. I just wanted checking the man convinced me to open savings also. In talking about the account he said that there would be fees but they would be waived if I meet some qualifications like using my debit card at least 10 times a month, keeping a minimum balance. A few months later I noticed I was charged an account maintenance fee. I assumed I did n't use my card enough times and made sure to use it more and forgot about it. Month later I saw I was still getting charged the service fee and called Wells Fargo to find out why. they said I did n't Have the account that I thought I did. I asked what is the difference between my account and the one I was told I was opening and she said a one has a fee regardless and one the fee can be waived ( which does n't even seem accurate if you look at the statements ). She kept saying that it was stated in my statements but I have online statement only and never read them since all account history other than the fee is easily viewed online. I looked through all of the papers I was given when I opened the account and nothing was specific to the type of account or the rules regarding the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Back a while I had gotten a payday loan. My bank account info had been compromised by someone. I made a report to the FTC regarding it. I had to make a few changes to my account and payments being made from it. I became delienquit with my payments. I received a call from a XXXX XXXX claiming to be from XXXX. He stated that they were after persons who were defrauding theses payday loan companies. Since my account was considered delienquit, they had my account info. If I paid the Out Of Court Restitution it would be done. I made XXXX payments before I noticed something 's in the paperwork that did n't seem quite right. I just need to know if the documents I have are legit or have I been had? Thanks!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX 2011 my wife and I sold our Florida apartment through a short sale with the XXXX. Although this was clearly a short sale, this transaction was reported to the credit bureaus by this Bank ( XXXX ) as a foreclosures. I 'm still paying the note to the bank for the difference of the sale price and the original mortgage note amount due. 
Ever since then my credit has been compromised and ruined because of this false reporting by this bank. Every time the need for a loan or any other credit check is needed on my behalf this foreclosure pops up scaring lenders away. This has been appalling, has been a disaster and continues to be a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Will Not let me dispute XXXX XXXX Account with a date on report XX/XX/2019

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 2022-03-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the accounts in question for the past 6 months and the credit bureau has not conducted investigations. The latest example is the following : I submitted a request to Experian on XXXX and on XXXX they finished the investigation ; however date of status did not change which indicates no investigation was performed for the accounts listed below : Account name XXXX Account number XXXX Balance {$1100.00} Status Date XX/XX/2017 Account name XXXX Account number XXXX Balance {$18000.00} Status Date : XX/XX/2017 Account name XXXX Account number XXXX Balance {$11000.00} Status Date : XX/XX/2017 2017

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 2022-07-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I paid a instant deposit fee to XXXX XXXX to send money immediately to my Ally bank account. Only to find out that my deposit is being held and not released by Ally. I am paying for an instant deposit fee only to not have my deposit instant .I spoke to two reps about this issue only to be advised that i would receive my deposit the next day by XXXX. So I paid a fee for no reason.

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