BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2021-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to you regarding fake inquiries I have in my credit report. I have never gave any company any permission on these inquires. They are not mine. PLEASE REMOVE THEM ASAP! I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
My child use my card at a corner store on XX/XX/XXXX at XXXX and was charged {$190.00} which was the wrong amount. Ive made several attempts to resolve the matter with the merchant, and credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Receive around 14 calls a day from them. Spoke with a gentleman named XXXX at extension XXXX he advised they had already sent out statements and proof of debt what more did I want. Just pay the debt. I have not received one thing from this collection agency, not even a letter showing they have a right to collect. XXXX was very rude and abusive towards me. I spoke with my son and advised him this debt did not belong to me. He helped me fill an identity theft report and I sent a letter to this collection agency today along with my FTC identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: Kelsting Group, 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:
I saw a hard inquiry on my credit report from someone I did not recognize nor ever did any buisness with its a fraud account open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone used my information including my SS number to open credit cards in my name. I know who did it. It was XXXX XXXX his phone number is XXXX. It was mostly Capital One Quicksilver and Capital One Walmart but he also used it for other cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 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 2023-11-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I contacted Wells Fargo on XX/XX/XXXX to file for hardship and lock transactions on an account with a large balance and high-interest feethe hardship plan fixed interest to 1 % and fee and set payment amounts per month. 

Wells Fargo agreed and locked the version with the payments set at XXXX amount ( $ XXXX XXXX XXXX ) All payments were made promptly and on time. 

XX/XX/XXXX Wells Fargo let the hardship plan expire, and the payments went to $ XXXX + {$310.00} XXXX XXXX XXXX XXXX  without notice effectively doubling the monthly payment plan to {$680.00}. 

XX/XX/XXXX Called WF to speak with a representative XXXXXXXX XXXX XXXXXXXX and was told that the plans expired and I was on a short-term plan. The agent stated there is a " long-term plan '' as well that I was not made aware of. 

I asked for any documentation showing the difference between the two plans and XXXX XXXX XXXX on a recorded line, stated there is no documentation only that there is a phone call where the agent would decide to place you on a short-term or long term plan. 

I enquired how to be put on the long-term plan, and XXXXXXXX XXXX XXXXXXXX stated I would have to wait 12 months to file for hardship again. The balance of the account would then with the new interest rate be ballooned back up to XXXX amounts. 

This is anti-consumer behavior. Wells Fargo will not produce any documentation on a recorded line stating there is no documentation, and it's up to an agent to decide which plan to place you in. If Wells Fargo can decide unilaterally which plan to put you on without notifying the consumer this is anti-consumer behavior and they can reinstate the plan. 

Again I have made all payments on time while on this plan 100 % in full and on time.

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 2022-09-16
Company: BROKER SOLUTIONS, INC.
State: CO
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:
I have always paid my bill on time with my mortgage company but I now have a 30 day late payment on my report. I recently tried to get a home loan and i noticed that they have the late payment reporting on my credit report. I was set up on auto payment so i never could've been late. It's damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have had no success. Any assistance you can give would be greatly appreciated. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-06-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/XXXX I financed a car through Credit Acceptance Corp. The final sales price was {$7900.00}. The car was involved in an auto accident in XXXX. XXXX my insurance company determined the car totaled. As a result XXXX paid off the value of the car. When XXXX contacted Credit Acceptance to request for payoff balance, Credit Acceptance increased the total price or balance and then charged me the difference. They then proceeded to file a judgement against me for the balance that was inflated. I have all the documents to attach to support this statement. My credit report shows that there were no late payments that would have increase the amount of the car. My loan document, and the letter that Credit Acceptance sent to XXXX. Please review my claim and assist me in escalating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WHIT THR FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PROVACY.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XX/XX/XXXX I received a letter from southwest credit systems stating i owe XXXX to XXXX XXXXXXXX. this is the third time I received a debt collection letter from this company. I never used XXXX XXXX I live in XXXX  XXXX. I called the company right after I opened the letter, they pretty much tried to collect the debt I told them I'm not paying it its fraud and that this is the third time this happened I was giving steps to dispute debt, but they are asking me for almost a XXXX police report for when I first reported my identity being stolen and used a crossed XXXX and that's when I decided to contact the cfpb again the account number is XXXX I'm positive if you check the account information on where ever XXXX  XXXX was being used at it does not match with mine I don't need and never used XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
All I asked WF is to properly subtract my entire principal payment from the balance like they should have done on the date of payment. Wells Fargo is trying to commit fraud again! All I asked them to do was fix this so-called mistake and they refused. They just gave me the run around! No idea what they did????? All I know is WF is charging me interest on my incorrect balance! 

By accepting the principal payment and having it printed on the receipt, WF entered to an agreement to accept the principal payment! I should have been not been told it would go towards my balance if it was not going to be at the time of the deposit! Principal payments go directly towards the balance only, not interest! 

Principal payment is simple math. The entire principal is subtracted from the balance only! They do not need to contact me to confuse the situation or try and convince me what they did is correct! This is not the first time Wells Fargo has done questionable activities, in fact there is a XXXX ( Dirty Money ) special just on Wells Fargo illegal activities. This is why they have commercials that state : earning your trust back .... Now the question is how many customers is Wells Fargo doing creative accounting on?

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 2023-11-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD bank sent me an email offer that advertised a XXXX XXXX on their signature savings account. I stupidly jumped on it. I changed my convenience savings account into a signature savings account. But after the transfer has been made they are saying that I get .05 % intrest and I will be charged {$15.00} fee monthly. I asked to put my account back to a convenience savings account. back to before. But they can not do that because those savings account no longer exists. It is a bait and switch. and what is the point of paying a monthly fee for XXXX intrest. I do not make alot of money. infact It has been a tough few years. Getting robbed by my bank is so incredibly frustrating it is hard to put in words. And why these actions by banks, airlines, landlords the list goes on, is allowed. I want my bank account back to what it was or I want a XXXX APY with no fees. on my money. My parents claim they got 10 % intrest on their savings account in the XXXX. I keep voting for a better world and easier one to have a family. I don't see it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a new account that open Navy Credit Union. 

Checking and Saving They blocked my account because they refuse to change my phone number. I am not able to go to branch. I am doing XXXX and I have XXXX XXXX. I don't have mobile banking. 

This is High Priority Matter!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX  INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT

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 2018-11-17
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
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:
Card number was taken without my permission and used to make purchases electronically in excess of {$16000.00} in XX/XX/2018. No attempts were made by the bank to flag or stop these unauthorized charges, and at no point was I contacted to confirm or deny the validity of these charges. It wasnt until I recieved my statement that I became aware of this fraud. I immediately disputed all charges with the bank and closed the account. I still recieved bills after the account was disputed and my credited has been adversely reflected due to this delinquent account. I have reached out to the banks fraud department countless time throughout XXXX, XXXX, XXXX, and XXXX and have gotten no results. I filed a police report in XXXX and forwarded to the fraud department for their records. I did not authorize these charges and should not be responsible for this debt under the Fair Credit Billing Act.

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 2023-09-25
Company: EQUIFAX, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Block, Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, a payroll direct deposit was sent from XXXX XXXX XXXX payroll to my account for {$530.00} with an advice date of XXXX. I have confirmed correct account information with the sender. These funds have not been made available to me yet. I have received 2 direct deposits after the missing deposit, unrelated to the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This whole ordeal started when I decided to pull my credit report to learn about what was being reported on me. I noticed a lot of accounts on my report that did not belong to me. I immediately froze my report and begin to work to get accounts removed. I contacted XXXX on a number of occasions to have this account removed and was advised it was turned over to Diversified Consultants. I contacted Diversified Consultants who disregarded the fact that I've never held an account with XXXX, they advised the only way they would remove the account was to pay. I was transferred to a manager, XXXX, who advised I could them and the account would be removed. I made payment out of my checking account on XX/XX/2018, afterwards I was told I would receive a letter and that the account would be removed since it was not my account. This was and is the only collection account on my credit report so I felt in order to avoid the headache of fighting to remove the account I should just pay it since they agreed to delete the account. After the payment cleared my account, I call several times and asked for them to email me the letter they promised to send and advised them that the account had not been deleted as promised. Instead of deleting the account, they updated the account to show it was opened in XX/XX/2018 which is completely false. They took my money and affected my credit far worst than before. I contacted XXXX who confirmed I have no balance owed to them and they advised they have no control on what Diversified reports but they did advise they would request them to honor their promise to delete this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: WA
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:
Problem with XXXX and Equifax Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with XXXX  to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against me.

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