BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.

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 2023-06-21
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
never received promotional points called four 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 2023-06-21
Company: WELLS FARGO & COMPANY
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX I received an auto loan from Wells Fargo in which they mishandled the payments I was making and not reporting to the credit bureaus from XX/XX/XXXX - XX/XX/XXXX. Also, they gave me a XXXX XXXX XXXX that had multiple recalls due to a number of serious problems such as engine stall, under hood fires, and overheating due to oil consumption, as well as abnormal sounds coming from the engine. While Im possession of the vehicle, I was in an accident due to one of the recalls ; vehicle stopped ( engine stalling ) while overheating and was then hit by another driver who failed to look towards my direction. Also Wells Fargo illegally repossessed my car after I agreed to allow a dealership to diagnose my car due to an extended warranty that I was unaware of. The event happened on XX/XX/XXXX. I never saw my car since

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 2018-08-24
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone purchased a mattress from XXXX under my name and had it delivered to an address that wasn't mine. Wells Fargo purchased that debt. I disputed that debt with Wells Fargo and provided proof that I did not authorize this purchase. I have a letter from Wells Fargo stating this. 

This unpaid debt is still on my credit report ( XXXX ) and is preventing me from refinancing my student loans. I called Wells Fargo fraud department and they told me that they would contact all credit agencies. Additionally, I have disputed the account through XXXX and the dispute failed ( w/o providing a reason ). Despite these actions, I still have this unauthorized account on my XXXX 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
The car is undrivable and I want to release the Lein to get rid of the vehicle but they will not release the lein eventhough I was informed by XXXX at the one main office in XXXX Ohio that the lein could be released at any time. I have been making my loan payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/22 I went online to see that my credit score for Transunion score dropped XXXX and my XXXX dropped XXXX for no explained reason, I spoke with a rep name XXXX from XXXX and she stated it would be 7-10 business days but she was able to submit an escalation because she didn't understand why a hard inquiry would drop my credit score that many points so then i proceed to speak with to chat reps from Transunion I spoke with XXXX first then XXXX so i was provided with the customer service number and I spoke with XXXX who if you play the call back who kept telling me Basically I need to improve my credit habits and its nothing they could because a hard inquiry should NOT drop a credit score XXXX its between XXXX so I asked for complaint information and he stated I would need to go to CFPB.COM. Now here I am typing this email because Transunion doesn't even have explanations of why but are telling how I have derogatory marks which is only XXXX on my credit and that's why my credit score decreased which doesn't make sense still because they are not new to my account. If someone could reach out to me by email XXXX or by phone 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 2023-03-08
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/22 I applied for a {$25000.00} Homeowner 's Assistance Fund grant through the State of Michigan. I was approved for the grant on XX/XX/22. My mortgage lender, Select Portfolio Servicing ( " SPS '' ), received the {$25000.00} grant from the State of Michigan HAF on XX/XX/22. SPS did not tell me they received the funds from the State of Michigan, nor did they apply the funds to my then-existing outstanding balance of {$77000.00}. Instead, without my knowledge, on XX/XX/22 SPS sent the funds back to the State of Michigan and said did not accept it because it wouldn't have brought my balance current. I was forced to sign a loan modification agreement of {$77000.00} instead of the {$52000.00} which would have been owed after SPS applied the {$25000.00}. 

This is not fair and I would like for SPS to accept the {$25000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: OH
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 a collection on my account from XXXX XXXX XXXX for {$1000.00} from a company called XXXX XXXX XXXX XXXX. I disputed the account with Experian because I have never heard of XXXX XXXX XXXX XXXX. I've looked for information on the company online and all I can find is a closed business. The dispute came back validated. I have no idea who was contacted or what information was used to " validate '' this account with a closed company I have never heard of. Now, I can not submit a new dispute without having some sort of proof or documentation. I don't know what I could show on an account I know nothing about. Please help me sort out what is going on.

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a CD account of {$20000.00} online under Wells Fargo on XXXX XXXX Fri., 2023. Wells Fargo opened a CD account of {$200000.00} under my name on XXXX XXXX Fri., 2023, {$180000.00} is not coming from any of my accounts within Wells Fargo or transferred by me from any other places since I don't have such amount of money. On XXXX XXXX Sun. 2023, I had made 2 calls to Wells Fargo ( XXXX ) in the morning and tried to let them know what happened but they can't solve it and asked me to call another no. ( XXXX ) from Mon. to Fri.. I called XXXX in the morning of XXXX, 2023 ( yesterday ), and the banker told me that he will need to go to another department then call me back. He called me back and asked me to call XXXX, I called and they can't solve it and asked me to go to bank counter for solution. I told them that I am not close to any of their branches, and who is paying my time/transportation and such, I am not the one who made the mistake and they should solve it internally. Wells Fargo made a mistake and I informed them. It is also suspicious that Wells Fargo could fraudulently stash the money that is not belonged to me or any account holder in the CD accounts or any individual account due to the scandals Wells Fargo had.

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 2023-12-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2017 Synchrony Bank reported a delinquency to XXXX for a valid debt of {$1100.00} with the account # ending in " XXXX ''. Years later when I attempt to negotiate a settlement XXXX XXXX XXXX, the collection agency they turned the debt over to. XXXX said that it was " XXXX '' accounts roughly for the same amount of money and I vehemently objected! Stating that I only rec 'd service from the dental company one time and one time only. I've asked Both XXXX XXXX XXXX to provide me valid proof of the XXXX account and name of the dental company here in XXXX Tx so I can go and prove this error yet they both refuse to do so! I finally got XXXX to delete both entries off my credit profile only to have XXXX turn right back around and put them both on my XXXX XXXX XXXX credit reports! I mailed a certified letter to XXXX requesting proof of XXXX " bogus '' account and name of the dental company that I rec 'd service from to no avail. In the meantime XXXX wants me to settle 50 % on both accounts w/o any proof or justification. I will send you all the documentation I have dealing with these two very unscrupulous companies! As they are directly stopping me from purchasing a home for my family, because I simply refuse to pay for the same account twice!!

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: EQUIFAX, 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:
I am a Victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have fraudulent inquiries on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Genesis FS Card Services, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a Charged Off on my credit report on XX/XX/2020 for my ( Genesis FS Card Services ) Indigo Platinum Mastercard. In which it was supposed to be a goodwill XXXX Also, I never had a Milestone Gold Mastercard in XXXX. XXXX XXXX 

I want you to know that I understand my financial obligations, and if it weren't for the circumstances of my XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and me being XXXX with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX to XXXXXXXX XXXX  wasnt a great year for me at all. 
I know I missed payments to Indigo Card Services, and it was sold or transferred to XXXX XXXX XXXX, in which I did pay the account off in full for XXXX on XX/XX/2020. I feel that if I didnt suffer through those circumstances Id have an excellent repayment record with Genesis FS Card Services to this day. 
I made a mistake in falling behind but since then, I have been focused on paying off my debt. Since then, I've committed to on-time payments. It comes to my attention that I have a Charged Off account. This blemish could hurt my ability to qualify for a XXXX XXXX XXXX XXXX XXXX XXXX  ; I feel that my misfortunes shouldnt reflect my creditworthiness and commitment to repaying my debts. 
Genesis FS Card Services It would help me immensely if you could give me a second chance and make a goodwill deletion to remove the Charge Off on XX/XX/2020. 
Thank you for your consideration, and I hope you'll approve my request. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
Thank you for taking the time to address the misleading information on my credit file. While I appreciate your efforts, I am not entirely satisfied that the guidelines of the Fair Credit Reporting Act have been fully met during your examination. I believe that further action is necessary to ensure the highest level of accuracy on my credit file. Therefore, I kindly request that you conduct another investigation into the account listed below : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.

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 2023-06-22
Company: Affirm Holdings, Inc
State: NV
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 composing this letter in regards to the account number XXXX that your company is currently reporting to XXXX under my name. I am deeply troubled by the derogatory rating associated with this account. It has greatly concerned me, especially as it has affected my credit standing. I recently experienced the denial of a loan, and my existing credit accounts have witnessed an increase in interest rates. I want to bring to your attention the significant financial distress this negative rating has caused me, and I anticipate that it will continue to inflict both financial and emotional strain until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello..so I signed up with a debt collector ( XXXX XXXX ) they ensured me that if I signed up with them for 3 years at a payment of XXXX $ per month..that they would take care of my 3 creditors ... I've made XXXX straight payments over XXXX dollars an my creditors are saying they haven't received any payments..I call XXXX  several times a day an they keep giving me the run around so I need to know what's my step..Thank you so much

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: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: LEXISNEXIS
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief