BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: MI
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 have disputed numerous times with all three credit bureaus and the negative information from XXXX XXXX XXXX is still reporting inaccurate information on my credit reports and I keep getting notifications that this account is reporting accurate this is in violation of FDCPA please remove from my reports 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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I, XXXX XXXX XXXX, have received post correspondence from XXXX XXXX regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

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 non-monetary relief
Consumer complaint received 2023-07-17
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have been customer of Victoria Secrets for XXXX  years. when i went to pay online it prompted me to reapply. The inquirie needs to be removed. I called VS and spoke to a supervisor by the name of XXXX who said there is nothing they can do and dispute it with my credit bureaus. I am not understanding why they are unable to remove this hard inquiriy since it was there website having issues and i have been a member for XXXX  years. I actuallly had to call in and pay because their system wasnt recognizing me as an existing customer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Nelnet Loan Services is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer  Financial Protection Bureau to meeting next month XX/XX/2019 in XXXX with Nelnet Loan Services, myself and document expect to look at promise note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Early Warning Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have made several attempts including filing an FTC and Police Report for this fraudulent account. Also i have sent several dispute letters stating the Federal Laws i am protected by as a consumer which Early Warning Services had disregarded on multiple occasions. Early warning continues to report this inaccurate information without any means of verification or permissible purpose which under federal law this account must be deleted. Early warning services has violated my rights as a consumer and defamation of my character also disrupting my worthiness as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am constantly receiving SMS text claiming to be from a variety of different things including Equifax, something supposedly from FDIC and other fraudulent text that have links associated with them. I do not click on them. I have reported them to my provider XXXX multiple times and they just keep coming. I recently had a fraudulent charge made to my bank account for only XXXX and I reported it and canceled my credit card etc. However I am concerned that even though I block these text messages, they just create a new msg and use a different phone number. However these scams all have something in common. They send a link which would redirect my phone or download something if I clicked on it. When I do a reverse phone number background check from the perpetrator it is never a legitimate phone number associated with the company they are purporting to be. How do I make this stop and assure my safety from these scams?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: DISCOVER BANK
State: WY
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 there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them XXXX times and got hung up on I would like this off my XXXX and taken care of.. XXXX is a hard it I never did as well as XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SUBJECT : USAA Federal Savings Bank & stolen funds via fraud To whom it may concern : United Services Automobile Association ( USAA Auto Insurance ) is wrongfully holding me liable to pay {$820.00} from a fraudulent USAA Federal Savings Bank checking account fraud, and ATM card thief that was protected by bank policy, and regulation that did not hold me liable. USAA Auto Insurance refuse to give me auto insurance until I pay back the {$820.00} which was the amount of loss from an allowed individual fraudulently deposit counterfeit money orders with my stolen ATM card. USAA Federal Savings Bank has always reported to me that I do not owe anything from that fraudulent transaction and thus my account is clear and free from debt owe ; however, USAA Federal Savings Bank did not replace my personal funds that were taken in lieu of at least XXXX fraudulent money orders in the amount of {$800.00} ( or {$400.00} each ) and this is where USAA Auto Insurance is holding me liable and will not give me auto insurance until {$820.00} of that debt is paid. 

I am seeking to file Formal Complaint to the Consumer Financial Protection Bureau and the Georgia Insurance Commissioner about USAA Federal Savings Bank & USAA Auto Insurance holding me liable, unwilling to provide auto insurance to me on the basis of this fraud that their Banking Company did not correctly resolve by not replacing my {$800.00} of personal funds taking during their bank fraud. My funds are still missing in USAA Federal Savings Bank and I am held liable in United Services Automobile Association for monies that should have been in my account to cover their {$820.00} sought for my reestablishment of auto coverage they are refusing to give me. 

This behavior to deny replacing my stolen funds and then allow me liable for that account deficit in your auto insurance division is scandalous at best. 

REFERENCE : Consumer Financial Protection Bureau complaint file # XXXX XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX we deposited 20 checks at the ATM totaling {$10000.00}. Transaction # 51 for card # XXXX. 

On XX/XX/XXXX, all 20 items were reversed. 

On XX/XX/XXXX, we received a letter from Wells Fargo regarding one item, that it was rejected as " Altered Check ''. 

The photocopy included with the letter makes it clear that the check in no way altered. 

We've still to receive any notification regarding the 19 other items that were reversed. 

Not only has Wells Fargo reversed this deposit, they have failed to return the items to us. 

Because of the department 's daytime hours, I have been unable to speak with anyone regarding this. And Wells Fargo offers no messaging or email option for customer service. 

20 altered checks is a very serious accusation, especially when none of them have been altered.

I want these items to be redeposited ASAP, since it is clear there was no reason for them to be reversed to begin with.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX 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, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$480.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Seedfi is currently holding my deposit of {$2500.00} after paying off a loan with them. Loan was paid off XXXX and I have made multiple inquiries and get the same standard response that they are waiting for confirmation of loan being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our loan officer has been very hard to work with for us personally and our realtor. She does a terrible job of checking emails so every time we email her, we have to start a new thread otherwise she claims she never received it. She also has asked for the same documents repeatedly saying they are not to her satisfaction. Our employer has also complained about how many times they have been contacted to verify the same information. We had an issue with an inspection and the seller agreed to pay the contractor directly to fix the problem and said they could issue the check at close. Our realtor checked with our loan officer and she said that was acceptable. On closing day, two weeks later, she comes back and tells us we can not have a credit issued at close since they did not order the inspection. The inspection was a part of our purchase contract, as was the seller agreeing to fix the issue. It has been an overall headache and i feel like this loan officer and her underwriting team have made it even more difficult. They lack communication amongst themselves and with their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: ALLY FINANCIAL INC.
State: OK
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:
On XXXX I was denied a personal loan to buy groceries due to Ally bank being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car. 
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX. 
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to Ally bank for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. Ally bank shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.

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: Experian Information Solutions Inc.
State: MA
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:
Hello, I have been trying to eliminate incorrect information from my credit for some time and it has been very difficult for me, I have tried many ways and nothing has helped me, please verify all this information and if it is not mine, please delete! 

Name incorrect : XXXX XXXX XXXX XXXX XXXX Current addresses incorrect : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiries that no recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect accounts : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$320.00} Date XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Balance : {$730.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$730.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from the Bank of America on XXXX that they decided to close my business account. I called the phone number on the notice to find out why. They refused to provide the reason for closing and said the decision was final. I asked about the time frame when I can receive the XXXX balance I have on my account, and they didn't provide it. 
On XXXX, I went to the local branch on XXXX XXXX XXXX in XXXX, GA. They told me that there was nothing they could do besides calling me the number on the notice, so we did call and received the same answer : we decided to close your account and didn't provide any answers why. I asked about the time frame when I can expect my money back, and I was told around XX/XX/XXXX after close will be finalized. Im a single mom of XXXX kids and I depend on my money to feed my family. I think this timeframe is unreasonable long to get my money back.

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 2023-05-29
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 information incorrect

Complaint:
Taking a look on my main 3 consumer credit files, I see XXXX XXXX XXXX, as well as the company they sold the alleged debt to, XXXX XXXX XXXX XXXX If XXXX are no longer collecting on this alleged debt, why are they still on my consumer credit files? 

This is why I sent the Cease & Desist and Debt Validation to XXXX. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury they caused, which was illegal. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ). 

XXXX so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g, which means they are in another violation. An original writing, recording, and photograph are required in order to prove its content. Bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor.

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