BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I have applied 3 separate times for a loan for flight school with co-signers. Each time Sallie Mae has told me you are eligible for a loan but apply with a different more credit worthy co-signed. 

Each time the result is the same. No amount of income, lack of debt, or high credit score has changed this decision by Sallie Mae. Each time I am still getting denied. 

I have called and called and called Sallie Mae asking for help or guidance or information on their underwriting or approval guidelines and each time I am met with a generic statement of " we evaluate all aspects of the application for general creditworthiness '' or " we don't have specific guidelines ''. 

This " unknown '' underwriting and approval process seems very unattainable, misleading ( they lead consumers to believe these loans are attainable when they truly don't seem to be ), potentially predatory, and hardly seem compliant with Fair Lending Laws and Equal Credit Opportunity Laws. 

I get they have to XXXX risk and use their own proprietary model for scoring and approving, but to INTENTIONALLY withhold and prohibit willing parties with enormous post graduate earning potentially from bettering their lives seems very discriminatory if you ask me, and at bare minimum is unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXXXXXX 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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out to all three credit reporting agencies ; TransUnion, XXXX, and XXXX. As per clause : Credit Reporting agencies must provide the processing time frame in which they compute the data they received from a creditor. However, TransUnion refuses to comply and trys to say 30 days which is required by a creditor not a credit reporting agency such as TransUnion. I want them to provide the time frame in which the compute the data to a users report public like required by law. I can not find it anywhere on their website and when I asked them via XXXX they told me : Hello, Due to the number of subscribers that report information to TransUnion, there is no one answer to this question. We would not provide the specifics of any creditor or proprietary information about how we do business with them. If you are referring to a dispute response, We process those requests within 30 days as required under the Fair Credit Reporting Act ( FCRA ). 

Please let us know if you need anything else. 

-XXXX  As shown above, within 30 days, is required by a creditor not a credit reporting agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried numerous times to open a wells fargo checking and savings account. In XXXXEverytime i apply for a new account the system says that I already have an active open account with them which i do not currently have..i had voluntarily opened an account under my name in XXXX  but my debit card and check book was lost and someone fraudulently used my wells fargo routing and checking account #.. i. Contacted customer care asking them to close my account they waited a few months before they honored my request but while waiting for them to close my account they allowed the false transactions to accumulate hitting me with numerous fees which caused my account to overdraft and has prevented other banking institutions from wanting to allow me to open an 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 explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Incorrect information on credit report with a collection agency that is reporting a recent open account accounts been close for over seven years and just got re-opened in 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I leased a XXXX XXXX dealership with XXXX in XXXX. I returned it in XX/XX/XXXX at the end of my lease. I am now being charged {$130.00} for a tire repair kit that I was never issued. 

I called the XXXX Lease End Department and after multiple calls, I finally managed to speak with a supervisor who said that they will not waive the fee. They say if I want the fee waived, I need to go to the dealership, which has since changed hands 2 times, and convince them to give me this part for no cost. They then want me to ship it certified to them. I don't think it's right that I should have to spend {$130.00} to fix their mistake, and I don't believe I should have to haggle with the dealership to try and convince them to give me this part for no cost, and then have to ship it certified with my money. Their rationale is that it is illegal to sell cars without either a spare tire or a tire repair kit, yet they did just that. This is their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened 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

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2022-02-23
Company: EQUIFAX, INC.
State: IL
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:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXI- XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX- XX/XX/XXXX -XXXX- XX/XX/XXXX -XXXX- XXXX XXXX -XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: LCS FINANCIAL SERVICES CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My account was garnished for XXXX dollars. This account is my bills payment account with XXXX XXXX. I was not informed that my account was frozen by the bank until I tried to use my bank card. When I went to the bank they informed me to contact an attorney. They did not inform me that my account was frozen. The bank did not communicate with me. I was told by XXXX XXXX in XXXX XXXX, FL that they can not do anything for me. They said that I should hire an attorney. This garnishment by XXXX XXXX XXXX XXXX for LCS Financial Services court case number XXXX XXXXXXXX due to a loan that I did not procure. Now I have no access to my bills bank account. I am out of XXXX dollars that was in my XXXX account. I have not gotten a letter until XX/XX/2023. I feel abused this is now an abusive debt collection practice that has contributed to a number of fears about my ability to meet my financial responsibilities, to marital instability, and to invasion of my individual privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, 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 requested that Equifax through the FCRA send me documents bearing my signature that lets me know that what they are reporting is accurate, THEY NEVER SENT this information that I requested, instead they continue to send letter avoiding my requests. I also requested through the FCRA that they send to me the method of verification that they used, my letter was plain and simple I as that they please supply me with the description of procedures they used in determining the accuracy and completeness of the information, the name of their employee who verified the information, and the name of the person you spoke to at the creditors location, their telephone number, address and the CONTRACT WITH MY SIGNATURE. 

Equifax refused to supply me my request and sent the attached response. I have sent over several letter to them requesting this information because THIS IS WITHIN MY RIGHTS AND IT IS IN ACCORDANCE WITH THE FCRA. 

I NOW WANT TO GO TO THE NEWS MEDIA TO SHOW ALL THE LETTERS AND COMPLAINTS THAT I HAVE SENT AND HAVE NOT RECEIVED ANY JUSTICE. 

THEY ARE IN CLEAR VIOLATION OF THE LAW AND MUST BE HELP ACCOUNTABLE FOR NOT ABIDING BY THE LAWS, AND AS A GOVERNING BODY THE CONSUMER FINANCE PROCTION AGENCY NEEDS TO HOLD THEM ACCOUNTABLE, THIS IS WHY YOU WERE ESTABILSHIED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
In XXXX, I was looking to refinance my house with XXXX XXXX. They told me I owed {$30000.00} more than I had told them I owed. Bank of America had added {$30000.00} in legal fees to my loan. I had been previously sued by an adjacent property owner because they wanted to use my driveway to access their property. They lost. My mortgage deed does state that the bank is allowed to charge " reasonable " attorney fees ( in a situation like this ) if it has the potential to seriously negatively affect the value of the property. The fees were not reasonable, and there was never a threat to the value of my property. I have an appraisal stating this fact. I retained an attorney once I learned all this, to sue the bank for the {$30000.00}. My attorneys fees ended up being {$30000.00}. The bank has agreed to remove {$30000.00} from my mortgage, and give me {$5000.00}, but they have done neither, and I don't have access to my mortgage account that I pay faithfully every month. So, I ended up paying the money I would have paid to the bank to an attorney instead, and still don't have the {$5000.00} ( that my attorney said the bank agreed to ), or access to my account. And I wouldn't have even known the {$30000.00} was added had I not applied to refinance my house.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian Please see attached - there's incorrect Personal Information on my credit report that needs to be corrected.

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 2023-09-27
Company: Hatfield, Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Grid is reporting two accounts within their company under my profile- while I only believe to have one account with them I understand the basis that I have a credit line and an advance line through them under the same account. However, my issue within this company is the false reporting. They are currently reporting that I am 120 days late, I have never been 120 days late with their company. I disputed the reporting XX/XX/31. They updated my account as paid as agreed and then as of last week changed it back to over 120 days late, which is wrong. 
They are violating my rights of the Fair Credit Reporting Act by falsely reporting my account as over 120 days late. I have attempted to resolve this issue in a multitude of differing ways and nothing has been resolved. I am in the process of trying to buy a house and their false reporting is destroying my chances of getting my home. 
If they can not fix this and correct my report I will have no other choice but to turn to other actions to resolve this violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. 
Here are the list of items that needs to be delete in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-12
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good afternoon. 


In the about or after XX/XX/2022, I did close Discover XXXX Credit Card. 
A refund check was issue, but the total amount is wrong. And need to be corrected by Discover XXXX Credit Card. 
Account XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent Inquiries and inaccurate account information

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 2019-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I was contacted by Bank of America who I have a credit card with, with suspicious activities on XX/XX/XXXX, while I was sleeping at my home. I informed them I have the credit card with me and it was in my wallet. I let them know I am not the one who purchased on XX/XX/XXXX and I am not trying to make any purchases in that particular store. I let them know I am not in that part of the area that the purchases were made. 
Initially I was issued a credit for the charges made on XX/XX/XXXX, but latter I was informed I will be responsible for the charges. The bank is not helping to resolve the issue, is not doing the investigation on their end before they ask me to pay this amount, which is {$2800.00}. 
I need help on this matter. I have contacted all the credit reporting agencies to inform my identity has been stolen. 

Below is the message I received on the date I informed them it was not me. 

Bank of America Cash Rewards Visa Signat ending in XXXX XXXX XXXX, We're letting you know that we've detected some unusual activity on your Bank of America credit card on XX/XX/XXXX. For your security, please verify the following transaction ( s ) so that you can continue to use your card. 
Do you recognize all of these transaction ( s )? 
Declined transaction at XXXX XXXX # XXXX for {$2900.00} on XX/XX/XXXX Approved transaction at XXXX XXXX # XXXX for {$2800.00} on XX/XX/XXXX I have been also contacted by CHASE that a credit card has been opened in my name and charges were tried on it. after they investigated I was sent a letter that it was not my charges and the account has been determined it was not mine. 
I have also included the documents to show I have contacted the credit reporting agencies.

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 2021-10-19
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
There are two inquiries in my credit report that I did not authorize and both inquiries should be removed. 

1- Inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX Inquiry from JPMCB - CARD SERVICE on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife was wrongfully accused to pay a balance to an apartment she and I have never lived at before and has gone onto her credit report affecting her credit score. We did try to contact the debt collector to come to a resolution and they are wanting to have us contact their dispute team via Email. I was able to contact the apartments as well and they gave me the telephone number associated with the debt collectors. Also, an active dispute has been also sent to XXXX as well.

Company response to consumer: Closed with explanation