BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In XX/XX/2019, BMO Harris bank filed a W-2 with the IRS indicating that it had paid me {$300.00} in interest. It never paid me any interest. It did give me a gift of {$300.00} for opening checking account to 6 months and arranging to have direct deposit of my social security benefit. I closed the account after complying with the terms of the offer. I want the bank to rescind its W-2 immediately. The {$300.00} was a gift and gifts are non-taxable.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have informed the credit bureaus and XXXXXXXX XXXX that I've been an identity theft victim because my personal information was compromised. I initially contacted XXXXXXXX XXXX  and told them that this account was not mine, and I got the credit bureaus to remove the fraudulent charges placed on my credit report. However, the bank and the credit bureaus have ignored my request and continue to report derogatory and fraudulent remarks on my credit report. Therefore, I am filing this report to request that this fraudulent account be removed from my credit report and my records because I did not know this account existed. Someone opened this account without my permission, and once I discovered the existence of this account, I requested that it be closed. I asked them if they would remove the derogatory account from the credit report. They said they would remove it, but the bank and credit bureaus never did.

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 2023-06-23
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
These inquiries are causing a negative impact on my XXXX XXXX, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2023-04-16
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased a Western Union money order in the amount of {$49.00} at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 
The Western Union Money Order Number located at the top right of the money order is XXXX 
The money order ripped and I only have half of the money order., Western Union stated that I would need the receipt for the money order to be refunded however I left XXXX XXXX without the receipt. 
Contrarily I can not use a this money order as I only have half on the money order. Additionally, Western Union refused to refund the amount to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2019-07-11
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of 2019. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 told XXXX and Transunion to reinvestigate this accounts Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was stated everything was complete and accurate. How is this the case? 

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. 

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 the information is inaccurate. 

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case

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 2023-09-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XX/XX/2021 Date Opened I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: GFS II, LLC
State: VA
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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 GFS II LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Genesis FS Card Services, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two cards were opened by this company fraudulently. I have fraud alerts on my credit profile and was not contacted before this company opened these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XX/XX/2019.  During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company 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 2021-04-26
Company: EQUIFAX, 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:
The credit bureau is incorrectly reporting personal information and unverified and inaccurate accounts and have failed to provide proof of updated information nor delete the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
State: MN
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:
I made a balance transfer from a XXXX XXXX credit card  to a Wells Fargo credit card. The Wells Fargo credit card ended up having an overpayment and I have been trying to get Wells Fargo to given me the overpayment eithe as a check or as a transfer from my Wells Fargo creidt card to my Wells Fargo checking account. 

The transfer was made to help pay for bills. 

I filed a request back in early XXXX ( XXXX I think ) and was told by Wells Fargo customer service that the check should arrive in about 30 days. 30 days passed and no check. I was transferred to the executive complaint group to escalate the request and was told they had 10 days to investigate and respond. 

In the meant time I had to take out another loan with a different bank to pay bills. That loan has been accruing interest daily so now I have been paying interest on two loans ( the balance transfer and the second loan ). 

After 10 days, nothing. I called a few times in late XXXX to get an update. Each time I was told they are working on it but was given no material information. Each time We requested a supervisor/manager to call us back. We did not get a call back from a supervisor or manager. 

I also requested that Wells Fargo waive any balance transfer fee given that they were suppose to mail a check weeks ago. And that Wells Fargo reimburse me the interest paid on the other loan. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX that said the complaint was closed with no actions because there was a dispute on my account ( it was for {$100.00} ). And the balance transfer fee and the interest on the other loan can not be waived/reimbursed because we never told Wells Fargo of the amounts nor was a balance transfer fee assessed for transfering the balance. There are a few issues : 1 ) We told Wells Fargo several times that we would not transfer the balance from the credit card to the checking account unless we know Wells Fargo would waive the fee.

2 ) Wells Fargo said they would not reimbuse the interest from the other loan because we never told them the amount.

3 ) After we received the letter that the request was not approved, we tried to complete a transfer using the Wells Fargo phone app. It was blocked.

4 ) we never received a request from Wells Fargo to provide a balance transfer fee amount nor the amount of interest from the other loan. In fact Wells Fargo did not reach out to me at all for any additinal information. 

This has been a nightmare and a comedy of poor processes.

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 2023-09-18
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. XXXX XXXX did not have right on Car title because XXXX XXXX had the car title. So XXXX XXXXXXXX is report incorrect information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern : Please be advised, this is a written complaint requesting your agency 's assistance. The complaint is against Home Depot/CBNA ; which is attempting to collect a debt they have reported as canceled with all three credit reporting agencies. 

Most importantly, listed under the remarks section of my credit report, it states that my account was cancelled by the credit grantor. This information was also reported by Home Depot/CBNA to the credit bureau stating this debt was cancelled. 

Therefore, I am requesting a thorough investigation and removal of this debt from all three credit bureaus. I greatly appreciate your assistance in this matter, and thank you in advance for your prompt response. 


Respectfully, 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 2022-04-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from XXXX, XXXX, and experian that Experian was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and 3rd party thieves. On XX/XX/2022 I filed an FTC identity theft report against experian, XXXX, XXXX, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent Experian multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via usps certified postal mail on XX/XX/2022. Experian has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that Experian no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my Experian credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand Experian stop violating the FCRA and the FDCPA.

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 2023-06-23
Company: Southwest Credit Systems, L.P.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Southwest credit System continuously adds an account that is 10+ yrs old to my credit account and recently when disputed added that I had paid them {$91.00} so they can make it look like it is updated and it is not! They have it incorrectly stated that the account was opened in 2022 when it was not and continue to be fraudulent and use fraudulent tactics for which my next step is the courtroom!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was approached on XXXX by a name claiming he was romantically interested in me and also wanted to teach me how to trade cryptocurrency. He was very persistent, forceful and manipulative. He pushed me to wire transfer large portions of my savings to coinbase where he then instructed me to send those funds to an address where I could then use my investment to trade on a fake version of XXXX called XXXX. He even showed me how I could transfer my funds back to coinbase to assure me that the process was safe and legitimate. I have screenshots of many of these and his XXXX is still in use. The handle is @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
theyre still reporting missed payments thee major credit reporting companies. when in really they sold it to a deft collector. And in all honesty. I didnt sign any legal agreements with said buyer of the debt. Credit acceptance is still to this day pushing 120 days late on XXXX payments. Its killing all efforts to buy a home. Please help with this and take credit acceptance off of my XXXX and XXXX credit reports. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I believe it was around XX/XX/2022 I recieved a refund from XXXX  in the amount of {$290.00} & my account was closed & I never recieved it from the bank they were supposed to send me a check I need my money Im a single parent & they never returned the money back to XXXX & everytime I call Im given the runaround & not the help I need in retrieving my money they kept

Company response to consumer: Closed with explanation