BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did my banking with Wells Fargo. They approached me about a $ XXXX loan to pay off debt, which I took. Then, I hit a rough patch in steady employment. Later, I found out that Wells Fargo made up their own new rule, and unbeknownst to me, rolled out {$1500.00} as a charge off and took it off the bill ( it was hidden, I was unaware ). Now, years later they are saying I've missed payments on it, but I never saw that in a statement or bill. In fact, after I paid off both the loan and the credit card ( originating with checking/savings account ), I called them up and asked " Where is my pay off letter? '' That's when I found out. They can't sneak out a chunk to continue ruining my credit 4 or 5 years later, can they? 

I consider this predator lending. I do not agree to pay this {$1500.00} whatever fee. When I asked, they confirmed they want to charge me that. I tried calling several times, with the intention of paying a small portion of it, but couldn't get through. 

It was awful - they hounded me during a stressful time when I was job hunting and actually made me miss important calls and leads. Once I paid off both bills, ( {$2000.00}, {$5000.00} at max ), I thought this would be over and just the lates would be on my credit report. 

I don't think what they did / are still doing is ethical, nor do I believe I owe this amount ( otherwise I would have paid it ). I've never heard of this before. It was fancy accounting they were not up front and honest about. Once I learned of this 'bill ', and said predator lending, they sent me a {$50.00} check, but I don't recall ever cashing it. 

When I disputed this via XXXX, my credit score decreased by 16 points, which caused me to fall into a lesser category. This affects a potential mortgage, and I hope to move next year. I'd like them to explain to you and other banks how a secret charge off can get used as a secret weapon to ruin one 's credit and life. It wasn't very nice of them! 

I pay my bills, and would like my credit score to reflect that.

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 2017-01-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX of XXXX, I had XXXX student loans that were in the deferment through J.P. Morgan Chase. At the same time I had an application pending for XXXX discharge of my student loans. I called customer service, of the servicer for the JP Morgan Chase student loan, numerous times to make sure that my student loan deferment was still in place while I was waiting decision on my application for discharge of the student loans because of the XXXX. They assured me I was fine and I did not need to make a payment pending decision of the discharge. Ultimately I was approved for the discharge and the loans were assigned back to the government and discharged effective back to XXXX. However I have 120 day late as of XXXX XXXX that should not be there and I can not get J.P. Morgan Chase to resolve this issue on my credit report. I was advised over and over that I needed to do nothing until the discharge went through. However they are showing a late on my credit report during the time they told me I did n't need to do anything and it was still deferred. I have disputed it numerous times with all XXXX credit bureau 's and they will not fix or delete the account. This is my last attempt, before I file a lawsuit for the damages I have incurred by higher interest-rate, to resolve this issue. This XXXX account is the only negative account I have on my credit report. I was told that it should not be on there numerous times by the customer service representative 's that were servicing the student loans before the discharge was approved. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I was the Chase card customer. My card was fraudulent used XXXX, Chase refused to remove those fraudulent charges off my account and hold me responsible for those charges. 
Chase should respect there 's pledge and should investigate and remove those charges from my account. 
I have sent Chase my travel documentation indicate that I was not in the country during those charges. 
I was pick pocket and only copy of my passport was stolen not my original passport which show that I was not in XXXX during those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed against Chase Bank refused refund {$900.00} for unfair and deceptive banking service, new account, and general practices. In addition, I do not happy with declined checking account with unfit Oregon resident records. I do not interest in XXXX XXXX XXXX within Oregon resident telling to U.S. Senators in highest serious matters! 

I was not happy with XXXX, XXXX XXXX XXXX, and Chase Bank in having hidden discrimination against my appearances & XXXX addresses and they hated my appearances as they made bad threatened against my appearances as everyone does not like me when I walked in these banks in Oregon due of unfit Oregon residents. I filed against XXXX XXXX XXXX, Chase Bank, and XXXX refused refund {$900.00} for unfair and deceptive banking services, overdraft, general practices. In addition, I do not happy with banking services with unfit Oregon resident records. I complained must released to file charge against these banks whose refusal refund {$900.00} in highest complaints against XXXX XXXX XXXX as they made bad threatened against XXXX XXXX XXXX that I do not allow female employees handle in this case. I was not happy with these XXXX, Chase Bank, and XXXX XXXX XXXX in bad banking business against XXXX XXXX XXXX appearances. They do not interest in meeting with XXXX XXXX XXXX as they avoid XXXX XXXX XXXX addresses messages to U.S. Senators and XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX cc : XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a fraudulent account or someone else account appearing on my credit file I had this account investigated with Trans Union XXXX 2014 and it was removed from my credit report. Recently I check my credit reports threw XXXX XXXX and this account was reappeared once again. LONG STORY!!!!! Reinvestigated this information and it 's still showing up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do 10 disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : The date " XXXX/XXXX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : You MUST have the city and the state listed There 's no liability amount listed You must accurately and completely list " bankruptcy '' and you have it abbreviated

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Bank of America, XXXX Missouri, charged to my checking banking account a fee for image of a check. For which I did not request and or authorize. This matter was raised recently with Bank of America. Again the same fee. Today, Bank of America, could not provide what employee of Bank of America made this decision without my request and or authorization.

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 2015-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for credit at XXXX and was denied, which was crazy, because my credit score should have been around XXXX. They told me it was because I had XXXX accounts reported for collections. XXXX had XXXX bad accounts reported from XXXX different debt collection companies lying about who I was. These accounts belonged to a woman with my name who lives in XXXX. But, XXXX was not alone. The fact that the TRANSUnion credit reporting agency accepts information about a woman with a different social security number living in a different state and puts it on my account is outrageous. They should be able to be sued for this, but of course, they have probably written laws that prevent that. It was clearly observable that I was living in XXXX during the years they tried to put the bills on me and that I was not that person. This situation ruined our family 's life at a critical time of unemployment and need, and they should be made to pay for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Just Looked at My Trans Union Credit report dated XXXX/XXXX/2017 Found these numbers on there that are not mine : XXXX XXXX XXXX I do n't know where they got these numbers from what billing or documentation there is for these but I do n't subscribe.

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 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted TransUnion XXXX and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.

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 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On several occasions I have sent repeated letters requesting that the information on my credit report be removed due to Identity Theft but to no avail.The company has not removed the information from my report. XXXX XXXX XXXX, XXXX XXXX and now XXXX XXXX XXXX is on my credit report and they all are from the XXXX Identity Theft account a Student Loan that I did not sign off on or give anyone permission to do so.

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 2016-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have now submitted XXXX cases against Transunion through CFPB portal for permitting unverifable information to continue to be reported on my credit report by a company named XXXX XXXX XXXX. The CRA has a duty to have verified this information as being valid PRIOR to placing it on my report! They did not! Under the FCRA Section 609, I have a legal right to PHYSICAL, verifiable information with absolute, 100 % proof I am liable for this companies ' alleged debt being owed to them! Transunion NEVER sent any verifiable information from the 1st complaint, nor have they done that in the most recent complaint. How is this following the FCRA guidelines? THEY MUST DELETE THE XXXX ENTRY AS A MATTER OF LAW, because they have never sent me any proof under Section 609 of the FCRA. As it stands, Transunion is being Willfully Noncomplaint, which is against the law.

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 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
On or about  XXXX   XXXX ,   XXXX  , I contacted the bank and credit bureaus about the wrong account number and information being reported on my credit file. All parties decided not to remove the information. My dispute is that I do not or did not have mortgage account number with the bank under the account number being reported on my credit file.

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 2022-04-22
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2016-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was in a car accident XX/XX/2012. I was with XXXX XXXX XXXX insurance at the time. I sent all bills to them, and they missed paying an {$880.00} ambulance bill. A year later, I began getting collections calls so I called the insurance company. They acknowledged missing the bill and agreed to take care of it. I checked my credit report today and the collections is still on my report for {$440.00} - the insurance company only paid {$430.00} and did not pay the remaining {$440.00}. This collections is now damaging my credit report even though I was not responsible for that bill. I never received a collections call or bill for the remaining {$440.00}, otherwise I would have called the insurance company and demanded they pay again. Without a bill or phone call, I never even knew I had {$440.00} in collections due to this insurance issue. My credit score is significantly lower than it should be because of this collection.

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 2016-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have not been able to log into Transunion or XXXX websites to submit dispute someone else 's delinquent account information on my credit report. It is the XXXX XXXX delinquent account listed on the attached report. It is not mine. I have NEVER had the XXXX XXXX XXXX account listed. I have NEVER lived at the address attached to that account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
CREDIT REPORTING AGENCY REPORTING INFORMATION DISPUTED/NOT VALIDATED pursuant to FDCPA this data must be removed absent the validation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, my name is XXXX XXXX and I have three Capital One accounts, across these three capital one accounts I have auto pay enabled so that every month when a payment is due they are able to pull the $ out of my accounts so that there is no issue. On my credit report capital one is reporting under the account # XXXX XXXX, & XXXX late payments for XX/XX/XXXX, and XX/XX/XXXX. These payments are reporting 30 and 60 days late respectively in which I had auto pay enabled so there could have been no way these payments were late and I also called and spoke to a representative about this issue. They have stated that there was nothing they can do even though I have been a customer of capital one and have had these accounts open since XXXX and am reaching out to the CFPB for help in reopening my accounts and getting these late payments removed as these are substantially hurting my credit in which I am about to get evicted from my apartment as they do frequent credit checks and with this happening it has dropped my score over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
US Bank has arbitrarily and in a apparent retaliatory manner closed by account without fault of my own or reasons. It seems highly probable that this results from me complaining terrible service provided by its branch and Branch manager. 
I would like an explanation, apology and restoration of the account ( Not because I need the bank but because of the convenience for using one of its service : XXXX XXXX ). 
I would appreciate if you could assist resolving the matter. I have contacted US Bank but I have reached an impasse where no answer or explanation is available and no resolution path is proposed. 
I am sure that you realize that a bank closing arbitrarily accounts is rather strange and exceptional. None of my other banks ( or account with other merchants ) have ever been treated this way. Considering how and when it happens it is even more suspicious that it is retaliatory despite USBank having claimed zeal at resolving the previous matter that itself was not motivated. It certainly is not a context where USBank can argue that it can chose freely who it does business with! If USBank does not appreciate that I use its service only for one of its services ( XXXX XXXX ), then it could inform me with a proposal to that effect. It has never done so. And in any case, it is a bit difficult to believe that a bank dictates what a customer should do with its services. Is this legal? Why does it matter? How does it impact in any way USBank. Again no bank have ever questions my decisions to use them to save, to pay bill to invest etc. What happens? Was this all a orchestrated effort to get rid of me as a customer? It makes no sense. 
Your assistance in solving the matter ( Ideally with account restoration ) and at least obtaining clear explanation that can be publicized and understood by all the numerous US Bank customers in the XXXX XXXX would be extremely useful! And I really think that USBank is misbehaving and that it should be exposed to the public. 
Your help is appreciated. 

The sequence of events since XXXX 2016 is in attacehd documents

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