BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$120.00} XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXXXXXX {$44000.00}

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 explanation
Consumer complaint received 2021-10-26
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX  never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize the above hard inquiries on 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 non-monetary relief
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX signed an auto loan contract with XXXX XXXX AND WELLS FARGO for 12.99 % then immediately changed to 16.88 %. 
On XXXX wells fargo tried to add {$1900.00} collateral insurance for XXXX to XXXX on the car even though we had insurance. 
Charging excessive late charges Excessive charges when payments made by telephone Clause in contract -- No cooling off period {$33000.00} for a new XXXX  XXXX XXXX Charge of {$840.00} for a XXXX XXXX XXXX XXXX XXXX for {$520.00} Repossessed on XXXX still owing {$22000.00} Wells Fargo sold car on XXXX for {$11000.00} and wanting {$14000.00} balance Had XXXX miles on car on XXXX During last year car was in my possession, Wells Fargo harrassed me constantly with multiple telephone calls within an hour, even though I had talked to someone previously and arranged for a near future payment date and continous stream of calls from numerous agents often within 2 hours of each other. 
This all happened when I was as little as 5 days past due late. 
I finally decided to let this car get repossessed voluntarily to end the mental anguish and harrasement that Wells Fargo was inflicting on me. 
Soon after on XXXX, we had to file bankruptsy. 
Wells Fargo was paid {$4400.00}.

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 explanation
Consumer complaint received 2023-10-18
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXX/XX/XXXXXXXX, TX XXXXXX/XX/XXXXXXXX Balance Owed : {$2000.00} XXXXXX/XX/XXXX Balance Owed : {$6100.00} XXXXXX/XX/XXXX Balance Owed : {$6200.00} XX/XX/XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$120.00} XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXXXXXX {$44000.00}

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 explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The laws are very clear under 15usc1681B, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written consent is needed in order for this company to access file. According to15usc1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

maybe this was an honest mistake but the law is very clear. Please provide the document with my wet signature giving this company my written consent to access my credit file. 
Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: SC
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:
Looking at my credit report are we going by the FCRA laws or not? Under XXXX USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXXXXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on Equifax, XXXX, and XXXX XXXX Avant - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance Owed : {$0.00} XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was frozen around XX/XX/23 due to an unknown reason and I have submitted all required documents.. I called East West bank multiple times with no help whatsoever. There is a remaining balance left in the account that is rightfully owed to me but every time I call I am getting a different answer. I am entitled to my funds because there has not been any fraudulent transaction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One credit cards XX/XX/2020 charged 18.9 % interest, XX/XX/2020 charged 22.99 % interest, XX/XX/2020 charged 22.99 % interest, XX/XX/2020 XXXX interest Company refuses after repeated phone calls to request a lower rate, to in fact lower rates. to accommodate better interest rates, even though the market conditions have improved and better rates are readily available nationwide. Please investigate Capital One for financial abusing clients with EXTREMELY HIGH interest rates during the pandemic. Escalated customer service agent who maintained this obscenely high interest rate is : XXXX from Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close account XXXX. However, I live in Colorado and they are requiring me to visit a branch to close the account. I find it unreasonable to go to the nearest branch which is no where close to where i live to close my account. I tried calling their customer service and they told me to go to a branch. If huntington pays for my transportation and lodging I will visit a branch to close my account. Other than that I want them to close my saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: KY
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 Reporting act XXXX : XXXX XXXX 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 an 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 explanation
Consumer complaint received 2023-05-26
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
All of a sudden, I saw this debt collection on my credit report. I never heard from them, never got a letter... nothing. Then it just shows up on my credit report. My credit has been pristine, and now this happened and has crushed my credit report. I don't know where this debt came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: PLANET HOME LENDING, LLC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX  and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$120.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: BANK OZK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of this year, I opened a personal checking account with Bank OZK. At that time, I made clear, and bank records show, I made the declaration to refuse Bank OZK 's overdraft protection. Not much later, I opened a business checking account with Bank OZK and ALSO refused the overdraft program. 
Months later, I receive a notice in the mail " Congratulations! '' you have been approved for a {$500.00} overdraft protection. And then the same letter came for my business account. I call multiply times, but was told call times were really long because of covid. I spent a lot of time trying to opt-OUT of this program. 

At one point, I had the perfect storm of client 's failing to deliver checks and XXXX would not disburse my funds quickly enough to cover. So my account began being drained by the cycle of overcharge- overcharge fee- draining my account. 

Effectively, Bank OZK was " helping me out '' despite my declaration to the contrary, by " granting me {$500.00} of overdraft protection '', and they then stole nearly {$300.00} from my account. 

These types of issues have been litigated and these programs have been found illegal, unless the withdrawal was a scheduled one. 

I have given bank OZK plenty of opportunity to do what is right here and XXXX XXXX at their XXXX, NC office has been impossible. 

I started my business a month before Covid hit and I knew it would be hard, but I didn't expect to have to fight my own bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 constantly check my credit report and noticed errors continuing to report false and misleading information on my report for individual accounts that dont meet the credit rerporting standards of being 100 % correct. This has damaged me and held me back for a while now. I'm demanding CFPB to enforce the correction and or deletion of these items. These items were removed before.

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 2023-05-26
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A overpayment on account prompted a credit balance refund check for {$490.00} on account, however check was never received and when I requested a stop payment on check it was denied. Since my account had double the amount of the credit balance I asked for it to be put back in account, however that was denied as well. I am now out {$490.00} and I'm asking for it to be put in my credit card 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 non-monetary relief
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.

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