BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-06
Company: Experian Information Solutions 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:
Experian knowingly reports numerous inaccurate disputed accounts refuse to provide copies of demanded signed credit or loan application to verify account 's, yet claims account verified. Demand is hereby made that Experian to provide copies of signed credit or loan applications for all negative accounts reported or delete it immediately.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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

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 2021-01-12
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a following problem I contacted equifax in XXXX to put a freeze on my credit report on XX/XX/XXXX I contacted equifax to remove the freeze they told me to send a fax which I did and I received a letter saying that they can not find my file I called equifax and spoke to several agents who said they can not help but they can see my credit file and they said I have to send in a fax I explained that I already sent it on XX/XX/XXXX they said we dont see a record of the fax I explained to them that I received a letter saying that they received a fax and can not locate my file but the agents told me that they dont have any record that such a letter was sent but I have the letter I am trying to get help from equifax to please locate my file help me remove the freeze and help me log into my account I have an email that I received that I did send a fax transmission for fax tag XXXX destination XXXX and that it was delivered but I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: LA
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:
on XX/XX/2022 and again on XX/XX/2022 I sent letters regarding inaccurate or unknown information on my credit reports to this day over 60 days plus later I have not received response yet. I at this point feel I am being taken advantage of and ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since being it is well over 60 days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. my information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: NY
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:
This is stopping me from getting a fair line of credit for credit card, loans or a credit score. is been closed since XXXX is over seven years old but is still furnished to anyone without my consent. 
XXXX  XXXX XXXX # XXXX closed XX/XX/2014 Dept of EdXXXX XXXX XXXX XX/XX/2014 Dept of Ed/XXXX  XXXX XX/XX/2014 XXXX 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 1681 c ( 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 1681 s-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 non-monetary relief
Consumer complaint received 2017-03-10
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have  XXXX  federal loans that have been closed for awhile but still on my credit report i have asked several times for these to be removed due to they are not mine mine are from depat of ed not   XXXX   XXXX   and three letter request and still they will not remove them i have asked for doucments proving they are mine and they send me nothing in return. this is hurting my score by having them on there and i have a consolidated loan so  having  XXXX  lo ans on my credit report when i only have one consolidated loan is not correct or appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have applied for 4 cards with this bank. I have been approved for 2 which are the XXXX rewards and XXXX card with a XXXX and XXXX limit even tho I requested {$15000.00}. They have asked for id and ssn which I have mailed also attached to this complaint. I want to be approved for all 4 cards with higher limits so I dont close them. I have attached my credit report to prove I have a XXXX score with a 0 % debt ratio and {$10000.00} monthly income. Theres no reason I should be approved for the same amounts a kid working at XXXX can get. This is ridiculous

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 2023-04-14
Company: EQUIFAX, INC.
State: TX
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:
I monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXX  XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.

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 2023-04-14
Company: Genesis FS Card Services, Inc.
State: FL
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:
I had opened this credit card account recently and was scheduled to make a first payment. I made my first payment of {$100.00} on XXXX the XXXX of XXXX which went through and processed successfully. There was a technical error that occurred due to their website which allowed their system to attempt to process this same payment multiple times ( 3 other times to be exact ). I don't know how or why this happened but their website tried to process this same {$100.00} payment that was already successful for 3 other times on and it was unsuccessful due to me not having that amount of money in my bank account for it to process. 

This Credit card company closed my account due to this technical issue and will not allow me to reopen my account even though my account is up to date, my first payment was paid successfully on time ( before it was even due ). I never had a late charge, nothing. And this company closed my account due to an error on their own website! This is now going to go against my credit, I still have to pay off the remaining balance which they will allow me to do, however they won't reopen my account. Please help me! This is absurd! I literally had the account 1 month and it was in good standing the entire time! This is not right! Their supervisor says there is nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 reporting 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 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2022-10-04
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am reporting accounts that are fraudulent and I am asking them to investigate and remove them. These bureaus does not respond to any of my letters, I did not receive anything from them even after 40 days.

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 2019-07-06
Company: DISCOVER BANK
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
THIS LAST YR THIS COMPANY XXXX CHARGING ME {$39.00}, I CALLED THEM AND THEY SAID I SUBSCRIBED SOMETHING THAT CAN INCREASE MY CREDIT SCORE, BUT I DONT EVEN REMEMBER, I TOLD THEM TO CANCELLED BUT STILL CHARGING MY DISCOVER CREDIT CARD, AND I ALWAYS DISPITED IT.I DIDNT NOT AUTHORIZE THEM BUT STILL CAN STEAL MY ACCOUNT.THEY HAVE A LOT OF WEB SITE NAME LIKE : XXXX XXXX, XXXX, XXXX. XXXX XXXX, AND MORE WITH THE SAME AMOUNT {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank has caused me to lose a closing date on selling my home because of their gross negligence. I had a mortgage loan that was opened with Wachovia, transferred to Wells Fargo, and paid off with a Wells Fargo home equity line of credit. The lien from the 1st mortgage should have been released when it was paid off. 

When my closing attorney did the search twice the lien did not show up. However, during the prep for the closing the title company did a search and the Wachovia lien came up. 

Initially I contacted Wells Fargo in XXXX for the Wells Fargo home equity line of credit payoff and I received it XX/XX/XXXX for the 1st closing date on XX/XX/XXXX with no mention of the 1st mortgage being outstanding. I contacted XXXX XXXX of Wells Fargo mortgage dept to clear off the 1st mortgage lien since it was paid off years ago, and he said it will be taken care of for my XX/XX/XXXX closing, however to date, XX/XX/2023, after 5 calls it is still not done and the closing was not able to take place yesterday! I'm heartbroken! 

I am an XXXX XXXX XXXX woman who is widowed and XXXX. I have been struggling since last year to sell my house and now this. I have already moved to an apartment and really need this sale to pay off my obligations and to live. Please Please help me! 
Wells Fargo is holding me hostage and I dont know what to do. I need this right away ... the buyer is waiting and I CAN NOT lose this deal. 

Help me, please. I will be forever grateful for your assistance. Thank you kind person.

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 2021-01-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe Wells Fargo intentionally limits the functionality of their website from processing recurring payments. The ability to establish reoccurring payments on their website has been glitch ridden by limiting dates you can establish payments to process. 

I thought I properly established a reoccurring payment on the wellsfargo.com website only to find a late payment letter in the mail some 42 days after I missed my first payment. They have charged me a late fee and no doubt will report me to the credit bureaus thus adversely affecting my credit score. 

I quickly logged onto the wellsfargo.com website to pay the late payment and tried to process a second payment to pay the second month 's late payment only to be denied ( they claim I can not make two payments on the same day ). 

I believe these to be predatory practices to deceive borrowers from the ability to pay their mortgages on time. It's not hard for this bank to correct these errors on their website, however, they have no incentive to do so.

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 2023-10-16
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 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 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

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 2021-07-15
Company: General Motors Financial Company, 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:
GM Financial continues month after month of reporting an account on my credit file that I never signed for. They sent a copy of a lease agreement with addresses and signatures that are " not '' mine. I've sent them everything I can to show them that all the information that they report that would be attached to that particular document does not match any information of mine ; the address on the document is one tha that I've never lived, the but signature is not mine and they never attached a drivers license, State ID, or any other picture form ID with matching signature or addresses to the document they sent through the CFPB portal. GM Financial, XXXX, and XXXX, as well as the CFPB are complicit in this fraudulent activity. It's a shame that the CFPB uses passive enforcement to regulate consumer protections as my credit file is harmed by the same entities that you are bound by law to regulate and enforce. The FCRA states that the burden of proof lies on the creditor in a consumer reporting challenge and yet GM Financial, XXXX, nor XXXX  have not presented any justifiable evidence proving that this GM account belongs to me. They sent to me a filled out credit application and a billing statement. That's not concrete enough evidence proving their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: SYNCHRONY FINANCIAL
State: IN
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:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

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