BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was called XX/XX/2019 from an attorney that if I wanted him to represent me because I was being sued which I didnt know about and I had to appear in court XX/XX/2019 at XXXX XXXX. I told him I wasnt aware of the court provided me with the name and number of the company that was suing me. I called them and this lady XXXX was really rude yelling at me she wanted me to pay almost 900 upfront so they wouldnt take no legal actions I said I dont have the money right now so she put me on hold supposedly talked to her manager in less than a minute and told me if u could pay XXXX every two weeks for three months and my debt would end I asked her what was the total she didnt answer me asked her if I could have a paper of the amount no so what can I do now? I did get scared so I paid XXXX  dollars today can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-02-09
Company: GOLDMAN SACHS BANK USA
State: CA
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:
AppleCard, Goldman Sachs Bank received payment on the XX/XX/2023 via the electronic-funds Transfer act in a form a of a 1099 A. The liable party, their Indenture Trustee receive the 1099 A, on the XX/XX/2023, he is responsible for my accounts notes. The Company and XXXX XXXX XXXX accepted the an over-payment of {$30000.00} certificate of indebtedness on the XX/XX/2023, covering the owed amount - {$2700.00}, however my account has not been reflected. Reference Number XXXX INDENTURE TRUSTEE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX Furthermore, Goldman Sachs has suspended my account which is in direct violation of 12 CFR 226.10 - Payments. Which is specified in the terms and condition that they accept nonconforming payment.

( 4 ) Nonconforming payments- ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statemen
t, requirements for the consumer to follow in making payments as permitted under this 226.10, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt.

PER THE LAW they have 3 days to conform. 

The Company also violated the XXXX XXXX Compliance, by reporting to third- party, Non-affiliated reporting agencies such as XXXX XXXX XXXX XXXX XXXX. In addition, they violated 12 CFR 226.11 - Treatment of credit balances ; account termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: NV
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:
I received a preapproved loan/letter from XXXX  XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX pm, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-08-04
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was scammed and i lost XXXX to XXXX XXXX and XXXX dollars of this money cane from a home equity loan and was deposited in my wells fargo bank account. According to wells fargo on XX/XX/XXXX figure lending put a recall on my account and wells fargo responded to that recall on XX/XX/XXXX and denied it and wells fargo froze my account on XX/XX/XXXX and closed my account on XX/XX/XXXX and now holding on my XXXX dollars personal money and their reason is there was a recall on my account that they actually denies and not giving me my money back They are refusing giving me my money back that are my direct deposits from my job They are refusing giving me any answers and passing me around between their departments I just want my money that i worked for back

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 2021-03-03
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: Account status incorrect

Complaint:
I have XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 XXXX Acct # 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 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal 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 2023-08-04
Company: EQUIFAX, INC.
State: AZ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XX/XX/2023 Wells Fargo reported errors in transaction processing, resulting in thousands of customers paychecks not being processed. Wells Fargo however does early payday, and still processed my check, resulting in my balance showing my full XXXX dollar paycheck. 

I paid my credit card off using the balance they said was available ( which is also a Wells Fargo Active Cash card ) and I was charged a cash advance to the same credit card, resulting in a XXXX dollar cash advance for overdraft protection to my checking account. 

However, at no point was my account overdrawn due to the fact they had errors in processing, and my paycheck cleared per normal. I was told by a Wells Fargo executive representative to resubmit the cash advance overdraft protection as a payment to my credit card to solve the issue. 

Now I am being charged interest in the cash advance that they claimed would be fixed by resubmitting the payment that was allotted to my checking accounts for overdraft protection.

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 2019-12-21
Company: FC HoldCo LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Flagship Credit Acceptance has charged off a debt but continues to try to collect a balance after a vehicle was voluntarily returned and thus sold by the company. Flagship was able to recoup the amount owed on the loan and left a balance of XXXX, yet they have been reporting to all credit bureaus a balance of XXXX. This company has also illegally re-aged this account by updating monthly negative remarks on a Closed/Charged off account. Furthermore, Flagship has reported conflicting information to XXXX XXXX and XXXX  in an attempt to damage my credit rating. Under the FCRA, all information must be reported accurately and completely, Flagship has failed to report my information accurately to all credit agencies. Flagship has reported conflicting account open dates ( XX/XX/XXXX for XXXX  XXXX XXXX XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX  XXXX this illegal per the FCRA. Next, the last payment dates are conflicting when reported ( XX/XX/XXXX with XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX again this is erroneous and illegal reporting by this company. This account is listed as closed and charged off with all three major credit agencies, yet the last date of activity has been backdated and updated every month, damaging my credit report with illegal tactics that violate my rights as a consumer. I have reached out multiply times for debt validation and removal of this erroneous and illegal information but have been met with nothing but verification of this clearly illegal, erroneous, and unverifiable information. I have included pictures of my credit reports from all three agencies with the illegal information circled.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Contacted and disputed XXXX account deleted because it was not my account with all 3 Major US Credit Reporting agencys from XXXX XXXX XXXX XXXX. The account has not been deleted.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a negative credit entry on my credit report for an account that was paid in full. The creditor is XXXX XXXX and this account has been paid in full. When I contacted the collection agency, the representative agreed to completely delete the item from my credit profile and it still appears as a negative account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX XXXX Balance : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Previously, I had repeatedly received spam mail from PNC Bank about offers. So, in Complaint # XXXX filed on XX/XX/2018, I had requested them to opt me out of all spam mail. 
Thereafter, I stopped receiving spam until now. Yesterday, I once again started receiving spam mail from them and I have attached scanned copies of the front and back of the mail for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan account with Wells Fargo was blocked from access due to an " upgrade to their website ''. This update forced me to make a new account with them resulting in late fees being assessed. After re-setting up my account, confirming my mailing address and linking a bank account to be able to process payments I asked for late fees to be removed and asked for a record of my payments which could only be mailed to me. The record was mailed to an incorrect address. The following month ( XX/XX/2022 ) I asked them to change my contact address and they did. Then my bills started coming by mail but to the incorrect address because they had again changed my address to an incorrect one. 

Finally my bank account was un-linked and deleted from the only payment method. this caused a week long certification process to be undertaken to confirm the bank account and I was charged more late fees. They then refused to remove any of these late fees and are charging interest on the late fees as if they are apart of my loan.

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