BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The inquires never gotten erase off my credit report. I contacted the business and they told me that they do not have a application filed in the system of me applying for credit and I need to dispute it with Transunion and I did but they never took them off after they told me they was deleted. These inquires on my credit report and the file was locked. XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Got a call from a XXXX XXXX who said she is a case manager for Portfolio Recovery Associates LLC and has a business matter to discuss. She stated that I owe a balance of XXXX for a unpaid XXXX XXXX bill. She stated that I needed to pay the balance in full and that I have 24 hours to pay or legal actions would be taken against me. I explained to her that I do n't have XXXX dollars and what could she work out with me. She said I ca n't work out anything with you unless you have the full payment. And she said well guess we 'll see you in court and we 'll get our money as we will file a motion to garnish your wages. And then she hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion has reports my address, phone numbers, and name incorrectly as well as my student loans status, medial bills reporting incorrectly. This has significantly affected my approval for credit.

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 2022-10-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, I made these payments on time, and the company changed the due dates on the card without notifying me. This is a tactic this company continues to use, In order to receive fees. I have reached out several times and asked them to clear up the situation, and they haven't.

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 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit issue disputed with no final response. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage and further decrease my credit score jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. I had a medical hardship as well. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. Several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in 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 2016-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Consumer Financial Protection Bureau and Wells Fargo Bank, RE : Account/loan number XXXX We are respectfully requesting further assistance with our Wells Fargo Bank mortgage and a possibility of a reverse mortgage.. We are seniors, have lived at XXXX XXXX XXXX, XXXX XXXX, California since XXXX, and request that we may continue to live at the home until our deaths. On XXXX XXXX, XXXX, I will be age XXXX and will meet XXXX qualification for a reverse mortgage. My XXXX brother, XXXX XXXX, is age XXXX, and has lived in the home since XXXX. My XXXX uncle, XXXX XXXX, age XXXX, and brother of XXXX XXXX, has lived at the home since XX/XX/XXXX. I am their payee and their caretaker. 
According to the Wells Fargo XXXX XXXX, XXXX response letter, the company was unable to offer payment assistance due to the NPV or net present value of XXXX XXXX XXXX. Basically the property has equity of appproximately {$250000.00}. The current value is approximately {$850000.00} and the mortgage is approximately {$600000.00}. Therefore, I may qualify for a reverse mortgage or some related assistance. 
In XX/XX/XXXX, our parents gave us a home located at XXXX XXXX XXXX, XXXX XXXX, California and currently the value is approximately {$900000.00}. There is no mortgage and my sister, XXXX XXXX, is a co-owner. She and her family currently live in the property. It is our hope that we may also use this property and of XXXX for a reverse mortgage Most important to this request is a postponement of the XXXX XXXX, XXXX, trustee 's sale date. We are hopeful that Wells Fargo will assist us with the reverse mortgage and allow us to keep our XXXX home. Thank you for any help and consideration you may give us. 

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 explanation
Consumer complaint received 2020-03-24
Company: Atlanticus Services Corporation
State: OH
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:
Fortiva charged a {$36.00} late fee to my account on XX/XX/2020. My payment is due on the XXXX  and it WAS PAID on the XXXX  but they refuse to correct it. I asked for account closure and they complied, however their mistake caused a 51 point drop in my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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:
FCRA violations : inquires not mine 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 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 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/2020 my Bank of America Edd card was frozen since EDD had to verify my identity. I completed all the documents and on XX/XX/2020 EDD confirmed my Identity and I was able to certify again and continued receiving benefits which they were sending me checks since my debit card remained frozen. I started calling Bank of America and they told me I just had to wait for EDD to send them an email and ask to unfreeze my account. Ive called hundreds of times and I get told the exact same thing, either that EDD hasnt send them a release form for my card and that I need to contact EDD or to keep waiting. Ive contacted EDD and they said everything is good on their end and theres nothing else they can do. Just a run around pretty much. They both blame each other and nothing has gotten resolved. My card had funds and I cant access them since my debit card is frozen. I had to pay taxes on money I dont even have!

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 2020-03-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Account SYNCB/PPC WAS OPENED XX/XX/14 BALANCE TOTALLING XXXX HAS BEEN REPORTING TO MY ACCT. i NEVER HAD ACCOUNT WITH THIS COMPANY. i HAVE DISPUTED INFORMATION WAS POLICE REPORT MULTIPLE TIMES, IT CAME OFF AND THEN 2 MONTHS LATER WAS READDED TO MY CREDIT PROFILE. THIS ACCOUNT WAS FRAUDANTLY OPENED UNDER MY NAME AND INFORMATION

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 2022-10-27
Company: CITIBANK, N.A.
State: AL
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:
I closed the account via phone call with a live rep on XX/XX/2022. I paid the full balance which took me to zero. Since then the company has continued to charge me some type of fee and it is reflecting on my credit every month. I need it 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 monetary relief
Consumer complaint received 2017-01-27
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I scheduled a payment online to Ally Bank. I had done one payment for XXXX and then scheduled another payment for XXXX at the same time because I was going to distribute the payment over XXXX different accounts. I went back in and edited the payment back to my original account after receiving my XXXX bonus. I tried logging on XX/XX/XXXX to check and make sure everything worked out and could not log into my account because Ally was updating their website and no one could access their account online nor were any representatives available from XX/XX/XXXX through XX/XX/XXXX because of the holiday. I finally got a representative on XX/XX/XXXX who gave me a reference number XXXX and said she saw that I did indeed make a payment. I also explained to her that Ally was reporting my payment as late and because of their error my credit protection monitoring sent me a message that my credit dropped XXXX points. She told me to call back on XXXX XXXX and give the ref. number and speak with a supervisor. I called back XX/XX/XXXX and was told to call back on XX/XX/XXXX they were still working on my case. Om XX/XX/XXXX I called back and the matter was resolved my payment schedule was update and Ally also reported this to the credit agencies. I made my next payment on XX/XX/XXXX and I also my XXXX free credit reports. I am a single mom who wants to buy a home, works full time and XXXX so I have been working very hard on building my credit. I saw that Ally had reported the payment I had called and resolved again as late. I put in a dispute through my free credit report agencies and uploaded the information that showed the resolving of my matter. In the mean time I had called back in hopes that I could resolve the matter with Ally and talking to a supervisor named XXXX who I told check my payment record I was told in the notes it said I paid on time and I also printed my payment list. She was very rude and told me there was nothing she could do. I checked my payment history after speaking with her and she had gone in and changed the history to make it look like the second half of my payment was late which I consider to be fraudulent. I am attaching the history on XX/XX/XXXX which reflected my on time payments made on XX/XX/XXXX. I am asking that my payments be corrected to reflect the correct payment history and that my credit be restored to what it reflected after XX/XX/XXXX. Thank you

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 2016-11-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 my husband went to Wells Fargo to send a wire transfer to XXXX XXXX in XXXX XXXX. Wells Fargo sent the wire wrong and the funds were never received by XXXX XXXX. On Monday XXXX XXXX, I went to Wells Fargo to find out what happened and why did XXXX XXXX not receive the money. It was discovered that the banker had used the wrong XXXX number. I was told that the funds would be recalled and sent to the right place and this would happen within 48 hours, 3 days worst case which would have been Thursday XXXX XXXX. I specifically asked what would happen if Wells Fargo could not get the money back. I was told that Wells Fargo would send the money and take it as a loss. On Friday, XXXX XXXX the funds had still not been received, so my husband went back to Wells Fargo. They told him that they would put the money back in our account next week and we would have to resend the wire, completely disregarding what they initially said they would do to correct the problem. I told the company in XXXX that they would have the money by Thursday XXXX XXXX, because Wells Fargo promised that it would be no later than that. Today Monday XXXX XXXX, I went back to Wells Fargo and explained that waiting for them to put the money back in my account is not acceptable when they already promised XXXX XXXX would have the funds by Thursday the XXXX. They told me that they escalated, but there was n't anything else they could do. That we would have to wait for them to get the money back and once they have the money back, they would put it back into our account. So I asked again, what happens if Wells Fargo could not get the money back, again I was told that they would take it as a loss. So I asked why they could n't just wire the money as promised, and Wells Fargo do the waiting for the money back? They said they could n't do that. What are my rights? Wells Fargo charged me {$45.00} to wire the money and charged us more than the exchange rate for converting to XXXX. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PNC is blantatly stealing money from its customers and people who are no longer their customers. PNC should be shut down. 

A bank transfer of XXXX was sent on XX/XX/2022. This was sent to a closed account, PNC will not reverse the money. There is no account, I have no account with PNC, they are stealing and should be liable. 

I closed stopped using my account because of this exact reason. PNC then took retaliation for this. The account is closed and they are still taking retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Improper, credit reporting for positive credit which has lead to my wife and I loosing the opportunity to buy a home before interest rates went up. The new rates force us to buy a smaller home and pay higher interest rates.

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: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XXXX / XXXX / XXXX , The bank withdrew funds from a savings account account owned by my husband and I. The withdrawal, which totaled  XXXX , took a total  XXXX  from our account and made the account negative in the amount of  XXXX .     This withdrawal stems from an event where my husbands brother, who is on   XXXX   XXXX   due to   XXXX   XXXX  , deposited a check for another person, into my brother-in-law 's checking account for  XXXX  on  XXXX / XXXX / XXXX  and then withdrew those funds a few days later, after the check cleared and paid the funds to the person who he thought was legally entitled to the funds.     The bank subsequently debited my brother-in-laws account for the funds paid out because they claimed the check appeared to be forged.     When contacted about the debit placed on my husband and my account, the bank stated that they did so due to my husband being an additional signatory on his brother 's account.     My husband 's only dealing with his brother 's account was to deposit funds to the account after cashing his brother 's  XXXX  check and paying his brother 's bills. My husband told the bank representative that opened his brother 's account, that his association was to be limited to only adding funds to the account.     The check that was deposited into my brother in-law 's account was issued by  XXXX   XXXX  and made payable to an individual and a law firm. The back of the check is signed by someone that appears to   be one of the payees and my brother in-law, there is no endorsement by the law firm.
It is quite obvious that the bank failed to properly process the check that was deposited into my brother in-law 's account, making it a   third party check that was not properly endorsed. No funds should have ever been paid out, especially on a check that large.

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 2016-06-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called up Equifax about an error in my credit report that they said was resolved and when I checked on credit karma more then a month later the mistake was still there. I have contacted the original debt issuer ( XXXX XXXX XXXX XXXX ) and informed them that they were charging me for a bill ( {$320.00} ) that was my mothers not mine and they had told me they had contacted the debt agency ( XXXX XXXX XXXX ) and told them. Then I contacted XXXX XXXX XXXX and let them know the situation and the lady on the phone said XXXX XXXX XXXX has called and informed them of that and it will take about up to 30 days for it to go away. I asked them if they could email me a conformation of this or send me something in the mail ... There response to me was " NO, we do not send anything out. '' ... few months later is when I contacted Equifax. This is the only credit agency with this debt on it. When I was on the phone with them I questioned them about it the person i was talking to seemed to mess up alot of his answers, as if he did n't know the right thing to say until I told him they emailed me telling me the dispute was resolved and would be removed in 30 days. When I continued to question him on why it is still on the report and how they could resolve it and then never take it off he hangs the phone up on me. I am not sure how else or who else to question about this debt that is being charged to my credit even though the bill was created before I even turned XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Personal Information XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX  XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX FL XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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