BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Okay XXXX XXXX I notice that their was fradulents account that is showing fradulent so I sent Transunion a FTC report about this account that are not mines. I been asking them to investigate on this account but they are not investigating correctly so I got in contact with the company XXXX XXXXXXXX XXXX and they told me that the address that they got on file is not my address it a California address and I never stayed in California I stay in XXXX XXXX so I ask them can they send me a copy of the contract and they did somebody open this account in my name in California so I sent XXXX a copy of my current lease and also a copy of the FTC report and they email me back and said that they do see the address is listed from California and they agree with me to remove it. But I been trying to get transunion to investigate and they keep dispute and redisputing this inaccurate account which is showing fradulent all im asking is for Transunion to remove the account from my credit report I got the letter from XXXX agreeing for the account to be removed it is listed with the Cfpb please remove this account or I will get my lawyer involved

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 2020-02-14
Company: Checkr, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied to multi companies for employment opportunities in the last few years the most recent on last month was shipt. The company these employers for background checks is Checkr. Ive disputed the incorrect information on my report everytime and provide court records reflecting the correct information but the ignore it and continue to inseminate false information to the prospective employers costing me many job opportunities and I dont even know how much In lost income. They reissued the report today after discrediting my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I currently own an XXXX XXXX XXXX Credit Card. For the past year, I have not been able to log in online and access my account. I have called customer service and each time I speak to a customer care representative, the actions and answers to help resolve the solution have all been inconclusive with " technical glitch '' or " please contact customer care. '' All actions they advised and instructed were steps, I have done on my own as the website typical recommends and prior to calling Customer care. Representatives have also admitted to me, they " are working on resolving the online access. '' However, this seems to be false as it has been over a year since I have NOT been able to log into my account. Any attempts to reset my password, again, states, " technical glitch '' and to " try again. '' All attempts, consistently unsuccessful. 

On my last call with a customer care representative, in XX/XX/2023, after first requesting assistance to access my online account ( again ), I requested to reactivate and receive paper statements since access to my online account was not possible. The representative proceeded to state, the only way for me to reactivate paper statements is to login into my account. This clearly indicated the company and representatives position to keep customers out of their online account and making any changes. 

No confirmation emails, surveys or documentation to prove my attempts calling Customer Care at Comenity BankXXXX XXXX XXXX XXXX were ever sent from them to verify my calls or attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX my wife an I got car the price was very high an they keep piling up fees. We called the dealership an they kept giving us the run around an said there nothing we can do you sign the paperwork. But we were used, an mis informed and just because our credit wasn't that good they took advantage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to submit a formal complaint against Equifax located in XXXX, XXXX, XXXX located in XXXX XXXX, XXXX, and XXXX located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax, XXXX, and XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax, XXXX, and XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian credit service has some information do not belong to me. 
XXXX XXXX XXXX ( Partial ACCT Number : XXXX ) XXXX  XXXX ( Partial ACCT Number:XXXX ) XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX ( Partial ACCT Number:XXXX  ) XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX ( Partial ACCT Number:XXXX ) Also there are 24 Unauthorized Inquiries on my report 3 XXXX inquiries XXXX XXXX XXXXXXXX inquiry 7 XXXX XXXXXXXXXXXX XXXX  inquiries XXXXXXXX XXXX XXXX  inquiry XXXX XXXX  XXXX XXXX inquiry 2 XXXX XXXXXXXX XXXX XXXX inquiries 4 XXXXXXXX XXXX inquiries XXXX XXXX inquiry XXXX XXXX inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX inquiry Also wrong information of my name such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the report XXXX 
Lastly XXXX XXXX XXXX XXXX. XXXX XXXX was not my address.

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 2023-03-15
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
In Accordance with the fair credit reporting XXXX XXXX XXXX XXXX Collection account has violated my rights.

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

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 2018-08-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I believe the company, Mr. Cooper has been cheating me otfof money. I see there was a $ million judgement against them. My montage went up from {$1500.00} to {$1800.00}, Then after the judgment it is going down to {$1500.00} using a modification I never asked dfor. Were they to do this because of the $ million judgement?.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Linebarger Goggan Blair & Sampson LLP
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter today ( XX/XX/XXXX ) claiming that I owe {$88.00} for a {$1.00} toll that I allegedly did not pay two years ago ( on XX/XX/XXXX ) in Delaware. First off, the license plate number on the letter is not mine. Second, I don't live in Delaware nor do I travel to Delaware and I have photos on my phone from the date they are claiming I have this unpaid toll which proves that I was not in Delaware, I was Washington , DC, which is where I live. Third, I tried calling the number on the letter to this Law Office and no one picks up, I was on an automated hold 20 minutes and finally hung up. Fourth, I looked up this company ( Linebarger Goggan Blain & Sampson, LLP ) and the first thing that pops up are the XXXX reviews, all one star reviews, and people have similar accounts to my own and asking how this company is still allowed to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: CA
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 filed a complaint with consumer protection, in my complaint I specified the credit act requires permissible purpose, to request credit and specified that Experience is citing 'no specified purpose ' as the reason for the credit enquirer on  XXXX  counts.   There  1st reply  to this complaint says ' they are only loged when an enquiry is made '. Experian has ignored the law and is allowing companies to 'certify they have a valid reason ' for requesting my credit. Experian is accepting a 'certified valid reason ' as 'non specified and nothing specific '.   To give out a consumers credit report on  XXXX  counts for No specific reasons, is a violation of consumer rights.   The company Experian has also ignored the subject of  three le tters sent by attorney and not addressed the subject on the attorneys letters.     Failing a satisfactory response from Experian we will be forwarding all letters my attorney sent to Experian and all of  Experians r eplies to - Federal Trade Commission to read and investigate and enforcement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2023-02-15
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hi, So in  XXXX  we applied with   XXXX   XXXX   XXXX   for  a Business   Cre dit Card we Authorized them to do a Hard Inquiry on   X/X/   17. Then realizing this product did not waive Foreign Transaction Fees we   reached out to them to possibly do a product change to a  Travel c ard which does waive these fees. They stated it would require another  Hard Inquiry w hich reluctantly we agreed to on    XX/XX/XXXX /17 .  Other than these  2 oc casions I did not make any other authorizations do to a  Hard Inquiry on  my credit report either on       XX/XX/XXXX /17 or  XX/XX/XXXX /17.  Today I just got a notification from  XXXX  that there was new activity so I logged in and saw a new Inquiry I have n't called    XXXX   XXXX   XXXX    or spoken to any of their representatives at all today or even this week. Then I went on Transunion 's site to dispute it and noticed another pull from   XXXX   from   XXXX   XXXX   XXXX  . This is crazy,  XXXX  inquires in not even 4 months from them. I tried to dispute it with Transunion because I did not authorize them for a  Hard Inquiry, o r even a soft  Inquiry for  that matter, but they would n't let me. I contacted  XXXX  they told me to file a CFPB complaint against Transunion so that 's what I 'm doing.

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 2017-05-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and may affect my employment. Based on the result they received on    XXXX    I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  XXXX   XXXX   XXXX  bank who notified me that my debt was sold to  midland funding . When I contacted  Midland Funding  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less t han 1  week to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 recur ring payments of {$250.00} beginning  XX/XX/XXXX ,  15 month ly payments of {$150.00} beginning  XX/XX/XXXX  and a final payment of {$87.00} on   XXXX  . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital  XXXX  stated to look into the judgement against me. I contacted the court on    XXXX   XXXX   XXXX    and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at   XXXX   XXXX   and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, th e 3rd  party, and the civil judgment reporting on my credit reports and the amounts are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: WELLS FARGO & COMPANY
State: NE
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 filed a dispute concerning inaccurate information on my credit report. It's been well over 30 days ( it's actually been months ) and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Instead of declining transactions, Wells Fargo would charge me overdraft fees on bank account numerous times.

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 2022-10-10
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today, Friday XX/XX/XXXX, I received a letter from Wells Fargo Auto. The document states ( verbatim ) : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX Subject : Duplicate credit error for account ending in XXXX Dear XXXX XXXX XXXX : We are writing o let you know that, due to a processing error, the payment you made on XX/XX/XXXX, was credited twice to Auto loan account. We deducted only one payment from your bank account and reversed the duplicate credit on your Auto loan account. We apologize for any inconvenience.

What you need to know - Depending on the timing of your monthly Auto loan state, you may see two payment credits reflected on your next statement. Because of this, your statement may not correctly reflect your next payment due date.

- To verify payment information, including your next payment due date, sign on to your account at wellsfargo.com or call us at the number below. 

We're here to help If you have questions, please call us at XXXX, Monday - Thursday, XXXX XXXX to XXXX XXXX, Friday, XXXX XXXX XXXX XXXX., and Saturday, XXXXXXXX XXXX. to XXXXXXXX XXXX. Central Time. For customers with hearing or speech disabilities, we accept telecommunication relay service calls. 

Thank you. We appreciate your business. 

Wells Fargo Auto XXXX ( XX/XX/XXXX ) Wells Fargo Auto is a division of Wells Fargo Bank, N.A. All rights reserved. 


It is convenient and an interesting development when I am only four Auto Loan Payments away from paying off my Wells Fargo Auto Loan. What Wells Fargo is doing is deceptive business practices, I have all statements and receipts for my monthly Auto Loan Payments. Wells Fargo is incorrect, and all payments I have made towards my auto loan need to be honored ; in short, four payments remain. I am happy to file litigation against Wells Fargo with the help of my attorney. 

I look forward to hearing from both CFPB 's Offices and Wells Fargo, in writing via email or traditional mailing methods. 


Very Respectfully, XXXX XXXX XXXX, XXXX. 
XXXX XXXX, Retired ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation