BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear TransUnion Credit Bureau, I am a victim of Identity Theft. My identity was stolen and used in order to gain some financial benefits. Someone or/and group of people applied to multiple Lenders, as a result some fraudulent hard inquiries appeared on my credit report. I have already contacted the lenders to make sure that no fraudulent accounts were opened. The following hard inquiries were not authorized by me. Please delete them from my credit history : XXXX Installment Loans XX/XX/XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXXXXXX XXXX XXXXXXXX Auto Dealers, New XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXXXXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX  Credit Unions XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXXXXXX XXXX XXXX Commercial Banks XX/XX/XXXXXXXX XXXX XXXX  Commercial Banks XX/XX/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 2023-10-11
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: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized inquiries on my credit report that I did not consent to.

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 2023-04-25
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, Claim | Dispute : XXXX Please allow this letter to be the explanation for the case above. I purchased some perfume from XXXX XXXX Back in XX/XX/. I did not received the full order and returned what they sent me. I contacted them many time from XX/XX/XXXX to XXXX XXXX, XXXX  to resolve the matter but I could not get a resolution from them. Therefore, I filed the dispute above with American Express on XX/XX/XXXX  to get the case resolved. It has been more than 6 months and American Express still can not resolve the case. In XXXX, XXXX, they requested me for more information and I already sent them. Since then, I keep sending them proof and documentation clearly prove that I did not receive the whole order. The evidences are from XXXX, XXXX XXXXXXXX confirming that I only received one of the package they sent. The proof from USPS that I returned the items. There is also an email from XXXX XXXX directly confirming the return of the items and promised me a full refund. I have no idea why American Express could not resolve the case. This should be a very simple case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NY
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:
Below are the following accounts that I've made numerous disputes on and ask to remove these from my credit report. I've reached out to the companies as well and still, they have not responded and it's been over 30 days. I have no knowledge of these accounts and would like them removed from my credit report expeditiously. Due to these items on my credit report, I have not been able to get loans and my family has been facing severe hardship. Also, my credit report has drop significantly. 

XXXX ( account open on XX/XX/XXXX ) Account # : XXXX- {$250.00} XXXX  ( account opened on XX/XX/XXXX ) Account # : XXXX- {$89.00} XXXX  ( account opened on XX/XX/XXXX ) Account # : XXXX {$19.00} Preferred Lease ( account opened XX/XX/XXXX ) Account # : {$6300.00} XXXX XXXX -Account # XXXX XXXX ( account opened on XX/XX/XXXX ) Account # XXXX {$400.00}

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 2022-02-15
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Atlanticus Services Corporation
State: GA
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:
On XX/XX/2023 I sent all 3 CRAs a letter about illegally furnishing recent and high balances aka utilization on several credit cards I have. They credit card companies had 15 days to follow FTC guidelines and XXXX XXXXXXXX was the only one to do so with one bureau which is XXXX. Ive been waiting well over 15 days for an update or response. These companies are all the same so why was XXXX XXXX the only company in compliance with these regulations and laws. Reporting recent and high balances is a violation of the Privacy Act of Consumer Financial Information of the Gramm Leach Bliley Act. Meaning if my limit is {$6800.00} no CRA should furnish recent and high balances ( transactions and my private information on a private account ) publicly over {$6800.00}. FCRA 15 U.S.C. States consumer reports does not contain any report containing information solely as to transactions and experiences between the consumer and the person making the report. Therefore the credit card companies violated FCRA, my privacy rights and FTC regulations. Transactions and experiences are recent and high balances that should not be publicly furnished on my private credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: TN
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX and Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-04
Company: Spring Oaks Capital, LLC
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I received late payment fees and interest charges on my credit card for supposedly not making payment in time. 

However, per screenshot, it stated that it was all " Processing. '' This must have been an error.

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 2023-07-21
Company: EQUIFAX, INC.
State: PA
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:
CONTACTED XXXX EQUIFAX AND XXXX ABOUT A BANKRUPTUCY ON ALL 3 REPORTS AND THEY TOLD IT WAS VERIFIED BY THE PA COURT SO I CONTACTED THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DONT REPORT TO CREDIT AGENCIES AND NEVER HAVE PLEASE HAVE THIS REMOVME FROM MY CREDIT REPORT IVE BEEN TRYING FOR 6 MONTHS NOW TO HAVE THIS INFORMATION REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I went into a Wells Fargo branch to close my account. Working with a personal banker, I transferred my checking account balance to my new account. I specifically asked to ensure that all pending transactions on my Wells Fargo account would be completed without issue. 

The banker assured me that I would not be charged a transfer fee and with that assumption calculated what balance should remain in my Wells Fargo account. I was subsequently charged a fee, causing my remaining balance to fall below the amount needed for my pending transactions. As such my rent check bounced and I was charged an additional {$25.00} by my landlord per our contract. My Wells Fargo account also retained a balance as the expected check did not clear. 

I went back into the branch to re-close my account and receive a credit for the {$30.00} transfer fee I was assured I would not be charged. At that point the branch manager, XXXX XXXX yelled at me, told me I was a liar, and said the fees were my fault. XXXX was not involved in my account closing prior to that incident and did not have any context on the matter. Still, I'm out {$55.00} and felt accosted as a customer at the bank.

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 2021-07-08
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In late XX/XX/XXXX, Co-Signer received call saying account is past due by XXXX days. Multiple payment notices had been mailed to the account address which all stated the first due date was XX/XX/XXXX. A few days later Co-Signer received another call stating that the account was XXXX days past due. Multiple times logging into the account the online service portal shows that account was never past due nor delinquent on payments at anytime. 

Lender states that an automatic auditing system audited the account and flagged my summer XXXX course as being out of full time enrollment effectively terminating my 6 month loan deferment as of XX/XX/XXXX. Representative on the phone call confirmed that the bot errored in flagging the account and could see that in the fall XXXX semester I was in fact still enrolled in school fulltime and the account should not have entered into the 6 month period. 

On XX/XX/XXXX both the Co-Signer and my credit scores began showing that the accounts are behind payments by XXXX days. Disputes were filed with the credit bureau as well as a phone call to the lender. The lender confirmed, on a recorded line, that my account was not past due, was not delinquent by that of XXXX days or by any days and the first payment was due on XX/XX/XXXX. As well stated that the delinquency notices had been retracted from the credit bureaus/ On XXXX, XXXX, XXXX disputes with XXXX and XXXX  were " resolved ''. One account on TransUnion was updated as being nondelinquent while the others still show as XXXX XXXX XXXX  days past due. XXXX XXXX  dispute publication shows that the lender confirmed that account was delinquent by XXXX XXXX XXXX days with date of first delinquency being XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: IA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-21
Company: EQUIFAX, INC.
State: PA
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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: GA
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. 

XXXX XXXX XXXXXXXX Acct # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo back since XXXX and have never missed a payment. In XX/XX/XXXX I went to the branch located in XXXX  XXXX CA with my payment slip, as I always do each month to make my payment at a Wells Fargo branch. The bank teller could not locate my loan in the system. A bank manager made a few phone calls and discovered my loan had been sold. I never received any written notice from Wells Fargo my loan had been sold. While I was at the back I talk to a person name XXXX, who gave me an address to mail my XXXX payment to ( which that address did not exist ) and she also told I would receive a letter from Wells Fargo and a new loan welcome package. I never received either. The only information I received was a one page letter dated XX/XX/XXXX from XXXX stating they didn't have any information other than the owner of my loan is XXXX XXXX XXXX XXXX XXXX and they would review the matter and I would receive information from them within 30 days. As of XX/XX/XXXX I have not received any information from XXXX XXXX XXXX XXXX XXXX, Wells Fargo or XXXX. I have sent several certified letters to XXXX, Wells Fargo and XXXX XXXX XXXX XXXX XXXX but no one has responded. I sent several letters to Wells Fargo Including my XX/XX/XXXX thru XX/XX/XXXX mortgage payments at : Wells Fargo Home Mortgage XXXX XXXX XXXX, XXXX XXXX, IA XXXX and Wells Fargo Home Mortgage XXXX XXXX XXXX, XXXX XXXX, IA XXXX I also sent a certified letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my XXXX mortgage payment inclosed and a copy of the letter I received from XXXX dated XX/XX/XXXX. I never received a response to my letter.

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 2022-02-15
Company: Birchwood Credit Services, Inc.
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:
Bureau : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BMO Harris Bank will not accept payment on my BMO credit card, and they are charging late payment fees which are unjustified. 

In XX/XX/2023 BMO took over my Bank of the West credit card, and I have been unable to pay off the balance of {$50.00} since then. In the 15 years that I have had the card, I have never been late to make a payment, and I have never had this problem before.

I made numerous attempts to use the BMO online payment computer application, but the application would not take my payment. ( See Attachment 01. ) I had several conversations with BMO representatives via their computer chat function, but they were unable to help with the computer glitch. I requested that they report the glitch, but I have had no response to that request.

I called and spoke with a representative on the telephone and arranged the full payment before the payment deadline, but BMO later reversed the payment, as I saw on their next statement. I made two successful payments and received confirmation numbers, but BMO reversed these payments. ( See Attachment 01. ) On XXXX XX/XX/2023, I sent BMO a letter requesting the payment be made from my BMO bank and account and that both accounts be closed. ( See Attachment 02. ) I have not received a response to this letter.

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