BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It should come naturally to understand the importance of an accurate credit report in one 's financial life. Finding errors in the credit report that conflict with one 's own financial records has therefore caused some concern. 

As a result, a request is made to correct these errors and update the credit record. A business such as yours is supposed to maintain strict standards of accuracy, and the records ought to accurately reflect your spending and saving patterns. 
I would appreciate a prompt response to this matter. It is hoped that quick action will be taken to correct these errors, considering the possible consequences. 

It is impossible to overstate how crucial accurate credit reporting is. Finding inaccuracies in the credit report is concerning because it is a crucial component of financial security. It raises questions regarding the stability of your services and your financial situation. The initial trust in your organization can be restored with a speedy resolution to this matter. 

We anticipate that this issue will receive prompt attention. In addition to being highly anticipated, a timely answer is also regarded as vitally important. You can rebuild confidence in your services and reinforce the legitimacy of your company by taking quick action to resolve this issue.

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 2019-03-06
Company: Crystal Motorsports, LLC
State: FL
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 tried to purchase a car from a dealer, XXXX XXXX XXXX in XXXX XXXX Florida, they then ran my credit 8 times consecutively and told me I had to return a few days later before I could purchase a car. The subsequent credit checks caused my credit to drop 80 points from a XXXX to a XXXX they then referred me to a nearby credit union for " special '' financing. The rates were outrageous and they knew I had no choice because my current vehicle was beyond repair. I was then left with no choice but to pay an extremely high rate on a base model car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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:
The credit Bureaus continue to violate the fair credit reporting act : According to USC 1681 ( 5 ) the credit bureaus have to modify or delete account that are not reporting accurately.

According to 15 USC 1681b ( i ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 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. 

Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: SANTANDER HOLDINGS USA, 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:
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for a PenFed credit card and was denied despite having very good credit, using less than 15 % of my available credit and my monthly debts are only 18 % of my monthly salary. These are XXXX of the most important credit history factors and I score excellent in all three categories. I filed a complaint which is attached and XXXX XXXX ( V.President of consumer lending operations ) expressed his regret and claimed my denial was not in anyway discriminatory but due to my short credit history. Well, I decided to apply again on XX/XX/XXXX, this time my credit score is higher XXXX - XXXX which is bordering EXCELLENT. I ave XXXX years credit history have applied for cards from XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and others approved each time, but I have closed all those accounts and only kept XXXX, XXXX and XXXX cards. I am using only 11 % of my available credit, XXXX negative marks, My monthly payments are less than 20 % of my monthly salary, but I am XXXX and live in a XXXX neighborhood. Although the neighborhood I live in is XXXX of the wealthiest in XXXX, it's still XXXX. Guess what Penfed again denied me. They are the only banks to ever deny me credit and now twice. I am convinced it is due to discrimination. I have white friends with just above 12 months credit history and credit score under XXXX who have been approved in the last 6 months. So how do they get approved with less credit history, lower credit score and I can not. MUST BE DISCRIMINATION. I would love for PenFed to provide the file they have on me from data they collect.

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 2022-09-13
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX, XXXX : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 yea
rs.

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 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 2023-07-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXXXXXX 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 2021-11-11
Company: WELLS FARGO & COMPANY
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:
I bought a truck back in XX/XX/XXXX and leased it to XXXX XXXX for monthly payments also in XX/XX/XXXX. While the truck was leased, I was in charge of making the monthly payments on the truck which I did religiously until XX/XX/XXXX. The truck was involved in an accident on XX/XX/XXXX. After the accident, I reached out to my insurance company and followed due process and filed a claim. The insurance company acknowledged the receipt and creation of the claim and told me they would go on to handle the case with the lien holder ( Wells Fargo ) and pay off the truck. After they assured me of that, I continued to follow up with them and they kept telling me the same thing that they were in contact with the Lien holder and would handle it. I reached out to the lien holder as well and told them what was going on. Sometime in XXXX I received a notice from the lien holder saying the said truck was in their possession and they planned to sell it soon if I didnt make a payment of {$2100.00} for reinstatement. Immediately after I received that notice a repossession claim had already been filed on my credit report and it adversely affected my credit score. When I received the notice saying my car had been repossessed, I was very shocked. I reached out to Wells Fargo to explain what was going on and that the insurance had assured me they were going to take care of the issue, and thats when I learnt from Wells Fargo that the insurance was hesitant to pay off the balance of the truck like they had earlier promised, hence why they repossessed the car. I was surprised, but I went ahead and paid the reinstatement fee and got the car back from them and continued making payments on a truck that was damaged up until XX/XX/XXXX. I reached out to the insurance company and told them every thing that was going on from the repossession to my credit being damaged and they were reluctant to fulfill the claim. I had to get my lawyer involved before they finally decided to pay attention to my case and try to get it resolved. Eventually, they sent an agent to assess the truck and on XX/XX/XXXX, they sent a check to pay for the truck. All this is to say that the repossession on my credit wasnt my fault by any means and was out of my control so I would like it to be taken off. Im attaching evidences and can send more evidence if needed.

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 2023-01-13
Company: Experian Information Solutions 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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXX Balance : {$470.00} 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 2022-03-05
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over the last year I have received multiple banks fees in error. I have no explanation for some, and others are the the result of Truist/Suntrust double charging my checking account for my monthly mortgage payment. I have been told that the bank will not reverse my fees because they have already " waived fees '' for me in the past. These " waived fees '' have been error corrections that I have spent hours trying to resolve, and when the bank finally admits that the error is their fault they promise that this will not happen again/the issue is solved. For the last 3 months since Suntrust/Truist have merged their banking platforms, I have had two withdraws from my account per month for the same mortgage payment. These withdrawals have led to overdrafts in my checking account for which the bank charges me. The bank has said they solved the issue twice now, but at the beginning of XXXX it happened for a 3rd straight month. I have now requested that all payments be stopped and the double payments be returned to my checking account so that my account is paid current, and not more. Upon returning this money to my account, I was charged ADDITIONAL FEES that were not discussed with me.

I have spent over 12 hours on the phone in the last two months trying to sort out these issues. I have been dropped from 3 calls after waiting over an hour to speak with a representative. Suntrust/Truist will not offer any alternatives other than calling the same phone number that has repeatedly dropped my calls after hours of wait time and given me false promises that my issues are resolved. I currently have had almost {$200.00} in fees that are all no fault of my own, and I can not get ahold of a representative that can remove these and close my account. The mortgage department and banking departments take no accountability for their actions or communications with one another, and instead just push blame to the other department for me to handle myself while charging my fees along the way.

I feel bad for all of the customers that have gone through similar issues. I feel even worse for the unknowing customers that Suntrust/Truist is practicing their predatory banking practices on to profit via fees from unassuming families that do not have hours in their week to dispute in hopes that their livelihood be rightfully returned. In this day and age, this bank needs to make ALL of the processes more accessible, including their fee dispute process.

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 2023-01-13
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX IS NOT REPORTING THE COMPLETE AND ACCURATE INFORMATION TO MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX we were sold a XXXX XXXX XXXX XXXX Credit card. At that time we were told it's " like a XXXX '' just spend against it and when your child turns XXXX, you can use it for college loans or books, etc. In XXXX XXXX XXXX a company named XXXX XXXX took over the rewards aspect of the card and supposedly sent us a letter stating they changed the program and that we would need to redeem our points every year to make the program work. We never signed anything, no email was sent, and WE NEVER RECIEVED ANY LETTER. We have been using the card like we were told but in XX/XX/XXXX, we called XXXX to see how the account was doing and they said we haven't been redeeming our points so nothing has really happened. We redeemed that day for @ XXXX dollars in points. However, we lost 6 years of compound interest. After contacting XXXX, they say it's an XXXX XXXX problem, and vice versa. This is an easy fix, but both companies are stating they can't do anything because a letter was sent. We never got any letter.

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 2023-11-14
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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