BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TRANS UNION SHOWS THAT MY ACCOUNT WAS PAST DUE BUT I HAD A MORTGAGE FORBEARANCE WITH 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 2015-08-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I discussed loan payment arrangements with Wells Fargo Auto Finance, and reached an agreement. On XXXX XXXX, I authorized a withdrawal of {$400.00} from my Wells Fargo Bank Account. The next withdrawal was authorized for XXXX XXXX. Instead, Wells Fargo Auto withdrew the second payment on XXXX XXXX. I filed a dispute, but Wells Fargo Bank refused to investigate, denied the dispute, and did not even contact me to discuss the dispute. 
The Wells Fargo Auto agent I spoke with, XXXX, agreed to the arrangements due to financial hardship based on medical and the recent Texas XXXX situation. 
It is my opinion that the money was withdrawn from my Wells Fargo bank account on XXXX XXXX because my paycheck was direct deposited on that date. The paycheck for the XXXX provides funds for my housenote and utilities. I had explained that to the Wells Fargo agent during our XXXX XXXX discussion ; that is why the agreement for the second payment was for XXXX XXXX. My account is now overdrawn by XXXX, and Wells Fargo refuses to address this issue or reverse the payment until XXXX XXXX. It seems to me they would rather repossess the car, after 8 years of payments, rather than wait XXXX week for the next payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XXXX, I received notice of a default judgement that had been ordered against me to pay a debt owed to Ford Motor Co. In the judgement, it was detailed that I had been served with a citation and petition on XXXX at an address I had moved from on XXXX. The move was significant and long distance. I had not received any notice of pending action, nor was I living in the jurisdiction of XXXX County- where the default judgement was brought. This is a clear violation of the FDCPA section 811 ( b ) which requires collection attempts to be made only in the jurisdiction in which the consumer resides at the commencement of the action. 

On XXXX, I contacted the firm that led the debt collection case in an attempt to resolve this matter. They stated that " The best address we had for service of the suit was [ in ] XXXX, Texas XXXX. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I went into XXXX XXXX on XX/XX/2021 to buy my wife a birthday gift. The store offered me a card for the purchase but I thought I already had one. When she confirmed that I did not already have a card I agreed to apply for their card. She did not give me an application to fill out but had me enter my social security number on an XXXX. She said I was approved and I purchased the item for {$510.00}. 

Today XX/XX/2021 I received a declination letter from Comenity on behalf of XXXX XXXX. It says I was denied due to my debt to income. It also states that my credit score was XXXX. 

First I was not aware that an application was sent to multiple banks and that I had been denied and second I was never asked for my income for the application. They only obtained my social security number. I was not provided a copy of the application, I was not asked to verify my info, I was not informed that my credit would be pulled by multiple financial institutions, I was not provided any disclosures or any information. 

I called XXXX XXXX and I spoke to the manager XXXX. She was very unhelpful, seemed unaware of how the credit process worked and claimed to not know what exactly is entailed when applying for one of the credit cards. I asked for a copy of my credit application and she stated they don't have them and can't help me. 

I also called Comenity bank and they told me I would have to submit to them a letter in writing and mail it for a copy of my credit application or anything related to the credit inquiry. 

No one is willing to help but they had no issue submitting my credit to multiple banks. They should not be offering credit services if they don't know and understand how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After multiple disputes they are reporting the credit card each month and it was charged off XXXX 2012. My goal is to have them remove the all the months reported as late after the card was charged off for multiple months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My identity was stolen! After a bad incident, I was in the hospital for a long while. When I was finally feeling better. Everything has been compromised. Ive been XXXX fix this problem 4 a while now. I bet u the thiefs had an easier time stealing my stuff. This is heartbreaking. As if I havent been through enough.

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 2021-10-01
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan is with My Fed Loan XXXX Fed Loan Servicing The original loan was {$61000.00} from XXXX. I was told to consolidate my loans into one payment, and I was on forebearance for 2 years due to an injury. I began working for the public sector in XXXX and was told that I was eligible for student loan forgiveness= I registered with the Dept of Defense and sent over all of my documents to Fed Loan Then, during covid- the loans were frozen- nationwide- however - something happened and my loan grew to now almost a {$200000.00}!!!!!!!!!! Loan!!!!!!!!!! How can this happen This costs more than my mortgage. Because I work in the government my salary is already meager- but how can my loan quadruple- - when the government is 'helping ' us I have federal service for over 5 years now- who do I contact for the loan forgiveness program-? most of the HR departments are now being streamlined and are working from home- of-site- I cant afford the inflated over-charged interest and fees that have more than tripled the original loan. I graduated at the top of my class, struggling to pay bills, but still going to school full time... .where is the help for the original citizens of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was alerted, through a credit monitoring service, that Chase Card had run a credit inquiry through XXXX and XXXX. I found that the inquiry was based on a fraudulent credit card application through Amazon.com. Whoever made the fraudulent application used my name, social security number, and home address. Chase refused to furnish a copy of the fraudulent application. Chase Card was negligent when they authorized a fraudulent credit card under my identify, without verifying the actual identity of the applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.

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 2021-10-01
Company: EQUIFAX, INC.
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:
XXXX XXXX is reporting information to my credit file showing a closed account with an outstanding balance of {$3200.00}. They are also reporting incorrect monthly installment payments of {$400.00}. This is also incorrect. This account was paid in full in XXXX, therefore, XXXX should be reporting a XXXX balance. On XX/XX/XXXX. XXXX, I filed an online dispute with Equifax to report that the {$3200.00} balance reported to my credit file by XXXX XXXX was incorrect. On that same day I contacted XXXX and was told that my account was paid in full. Equifax completed their investigation on XX/XX/XXXX, but did not correct my credit file because, according to them, XXXX XXXX told them that their reporting was correct. I contacted XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and was each time was told that my account was paid in full and showed no balance owed. 

I am hereby filing a complaint against both XXXX XXXX and Equifax because their reporting errors are negatively affecting my ability to obtain credit due to being over obligated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
For the past two years, my consumer rights under FCRA and FDCPA have been violated by TransUnion and XXXX XXXX XXXX. I have been trying to have collections accounts removed that have alread been removed by the original creditor.The reports have aged off my report. Both companies cotinue to verify these accounts. How they can do that? They are in violation for reporting incorrect information. These are the four :  XXXX XXXX Acct # XXXX Amount {$910.00} Original creditor XXXX XXXX XXXX. This tradeline should have been removed as of XX/XX/XXXX. I disputed it with all three credit bureaus, and results came back from the other two that as per FCRA, the account had to be deleted since it could not be properly verified. If FCRA says it should be removed, under the law it has to be removed across the board. I am sending proof of the deletion with an old XXXX  report from XXXXWhen I sent copies of this proof to TransUnion, they said an investigation was conducted that verified the account. 

The others are from XXXX XXXX XXXX Acct # XXXX Amount {$1300.00} Original Creditor XXXX XXXX. Account has aged off with the original creditor. TransUnion has a removal date od XX/XX/XXXX. 

Acct # XXXX Amount {$2800.00} Original Creditor XXXX XXXX . Has aged off with original creditor. TransUnion has a removal date of XX/XX/XXXX. 

Account # XXXX Amount {$820.00} Original Creditor XXXX XXXX . Has been removed by original creditor. TransUnion has a removal date of XX/XX/XXXX. 

Numerous requests made these last 2 years for removal with both companies always come back as verified. When questioned, XXXX admitted to using eOscar, an outdated form of verification and not conducting a thorough investigation, which I requested. The resuts usually are that information I did not dispute will change and the tradeline will be updated, usually with a new estimated removal date which is even further into the future. 
To my knowledge, the original creditor sets the date of first delinquency, which then sets the estimated removal date. The date is then set in stone and can not be removed. It is illegal to chang this date. Both companies are using illegal tactics to keep negaive items on my report under the guise of " meets FCRA requirements '' yet what they do actually violates guidelines.

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 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Report No. XXXXREPORT DATEXX/XX/2015DISPUTE OPEN DATEXX/XX/2015COMPLETION DATEXX/XX/XXXX1. The above mentioned report does not mention the results/corrections performed to the report as a result of the inquiry. 
2. It does not mention the steps taken to do so either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my credit report and on it was listed a Judgement in the amount of XXXX for ADastra for a loan through XXXX. I have no idea what this debt is I have contacted the company as well as submitted XXXX disputes on behalf of this debt andt trying to get it removed. The company however has been nothing near helpful with the removal of this debt. They tell me that all they can do is accept a payment on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX DOB XX/XX/XXXX through XXXX, PA XXXX, I want this loan information immediately removed from my credit report.

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 2021-10-01
Company: Experian Information Solutions Inc.
State: WI
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 filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.

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 2017-03-08
Company: TCF NATIONAL BANK
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I obtained a vehicle loan with Gateway One lending and Finance in XXXX of XXXX on a XXXX XXXX XXXX. The car was repossessed in XXXX of XXXX, however I did not receive information as far as the date of the auction, location, or the amount the car was purchased for. I was checking my credit report and notice I had an outstanding balance remaining on the account for {$22000.00}. I did not purchase the car new and had missed XXXX payments prior to repossession. I do not understand why the outstanding balance is so high or why I was not noticed of what the car was sold for. I also do not believe the balance listed on my credit report is accurate. I would like to see physical proof of what the lender received for the car, and the balance owed corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2021 CBNA XXXX Fl pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXX XXXXXXXX Va pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl

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 2017-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed. 
I am uploading the information I received regarding this tax lien

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 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
a state tax lien is showing up on my credit that does n't belong to me for {$1200.00} and its affecting my credit score.

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 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is reporting a bankruptcy on my credit report that should not be reporting. I spoke with multiple supervisors regarding this issue ( XXXX, XXXX, XXXX and XXXX ) regarding this issue. I was advised that they were obtaining their information from XXXX and I reached out to XXXX and recieved written documentation from them that they do not have a bankruptcy on file for me. I also went to the Federal Court and was provided with a letter advising that they have not provided that information to anyone and TransUnion still refuses to bemove this and ALL associated accounts from my credit report. Please see attached documentation. I will seek damages legally if this is not resolved in a timely manner.

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 2018-03-16
Company: Risecredit, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern, In XXXX of the spring time I took out a payday Loan online. I made all my payments and was Late once and paid off loan in XX/XX/XXXX for XXXX and XX/XX/XXXX I paid additional XXXX to settle all interest and XXXX XXXX XXXX are owned by same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove immediately.

Company response to consumer: Closed with explanation