BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: SLM CORPORATION
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:
Contacted Student loan debt collector ( Sallie Mae ) Credit Reporting department in regards to reporting on my credit report. Requested under the Privacy Act, 5 U.S. 552a, to not disclose my personal information to any 3rd parties. Such as Affiliates, Non Affiliates, Joint Marketing, Credit Bureaus, any other companies. 

Sallie Mae sent me an email on XX/XX/2023 stating Your Sallie Mae loan listed below will be reported as delinquent to the consumer reporting agencies on XX/XX/XXXX, XXXX reflect on my credit report Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years. 

When I asked specifically for Sallie Mae not to report it. Why are the laws set in place if companies can just respond like this after asked not to. Especially when i am the original creditor. Also sent the company a letter in regards to dishonored negotiable instrument violations, if the negotiable instrument is not accepted then Sallie Mae is to discharge the debt, company refused both and no correspondence. Will be also sending this information to the IRS whistleblower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To Whom it may concern ; The afternoon of XXXX XXXX 2021, I received a call from someone who said they were a representative from XXXX and that this was a urgent matter. They had me verify things in my phone settings convincing me my phone had been compromised and that they would need to access my phone in order to stop the hackers from stealing money from my bank accounts. While this was in process I became concerned and called the USAA Fraud line. I received a message that it would be 2:49 minutes before anyone could speak with me. I called several times in the hours proceeding. The same message over a 2hr wait to speak with anyone. I finally figured out that I could block my USAA account thru doing some research on line. I blocked my account the same day. I was able to finally reach a USAA rep XX/XX/XXXX and they opened up a dispute in my behalf. XX/XX/XXXX I got a call from USAA Rep explaining she would reach out to XXXX the company responsible for transfer these unauthorized funds and call me back. Never got a call back! Reached out to USAA and was transferred to another USAA rep in the fraud dept. I was told they would appeal this unauthorized charge. No action has been take again! 

I have filed a Fraud report with the Federal Trade Commission ( Report Number XXXX ) Please Advise XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 received a hard inquiry on my report from an unknown bank XXXX XXXX XXXX. I did not authorize this inquiry.

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 2019-04-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX XXXX XXXX XXXX made a mistake on the credit report and placed

two hard inquires on our credit reports and XXXX will not remove it they do don't believe me. I have given them a the letter XXXX XXXX XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than XXXX points.
XXXX XXXX from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.

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 2018-04-25
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am having an problem trying get information from two of the credit reporting agencies and am hoping your company can lend assistance. TransUnion and XXXX are reporting a bankruptcy on my credit file though they will not provide me information that allows me to confirm. The XXXX Court systems stated they would not supply me or any third party information and when I accessed public records the only items I can locate are about a speeding violation. I am asking once again what information they have and how they obtained the so called information. If they are reporting something they should be able to validate the information. If I am unable to obtain it then how are they? 

I have attached the document showing what can be found and one of those XXXX XXXX is not 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
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-04-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX XXXX XXXX XXXX made a mistake on the credit report and placed two hard inquires on our credit reports and XXXX will not remove it they do don't believe me. 

I have given them a the letter XXXX XXXX   XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than 15 points. 


XXXX XXXX from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I just got letter in the mail from Wells Fargo, its a home projects account, I just got the letter in the mail, I being charged TWICE, not only that that want another {$22.00} for installation fee plus {$76.00} late fee if Im not mistaken, That letter wasnt in the mail maybe a few days ago.normally they charge {$38.00} for a late fee. I admit I was a little late few times, I also paid it, last month I was charged a late fee, however I paid the late fee plus I paid them almost 3x the amount of what my monthly bill is last month just to stay ahead, I guess that didnt work in my favor. Ive been getting harrasing calls from them i keep getting them and I tell them to stop and they dont. Customer service reps werent much of a help. From my understanding they claiming I didnt pay them last month. I did pay them, this is not the first time this happened. Its effecting my credit score. They have suspended my online account, that makes it a little more difficult to pay them. Its stressing me out. They have done a lot people dirty.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a promotional post card to open an account at Citizens Bank in XXXX, Ma. In XX/XX/2022. The promotion was for opening a checking account or a savings account and subsequently receiving {$300.00} for each account, after making 3 consecutive deposits over the next 3 months. The {$300.00} should have been credited to my account in XX/XX/2022. At the time I opened the account I inquired as to whether I needed to open a checking account and a savings account. I was told by the bank representative that I did not have to open both accounts. I was assured by another bank representative, XXXX XXXX, that I would qualify for the {$300.00} for opening a savings account alone. I met with XXXX and opened the savings account with the understanding that I would receive the promotion after making the required monthly deposits. I made the required deposits. The {$300.00} promotion was never credited to my account. I called the bank in XX/XX/2022, and was transferred to an escalation supervisor, XXXX XXXX in Pennsylvania ). XXXX told me I was required to open a checking account at the time I opened the savings account under the promotional offer. She said I would receive no money. Her response was not consistent with what I was told by bank employees at the branch where I opened the account. 

On XX/XX/2022 I contacted XXXX XXXX at the branch bank where I opened the account. He looked into the matter and told me I would not be receiving the promotion. 

I would not have opened the account if it had been made clear that I wouldnt have qualified under the promotion. I retained the post card that had been sent to me, and it is not at all clear that both accounts needed to be opened. Two people from the bank branch also interpreted the promotion the same way that I did. 

The promotion is clearly misleading. I am an XXXX and my husband is a XXXX XXXX We both considered the promotion as only requiring one account ( savings or checking ) to be opened. Branch employees agreed with out interpretation. The misleading promotion turned out to be a waste of my time in opening an account, and following through on meeting the required monthly deposits. Please investigate this matter, as I feel the bank has fraudulently led people to believe they will be receiving something they had no intention of following through on. 

Thank you in advance for looking into the matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I reached out to my lender Pen Fed in XXXX of XXXX  and explain how I had XXXX  and was XXXX  and explain to them that I was going through a financial hardship and they explained to me it was nothing they can do about it they have already gave me the amount of extensions that they could and I completely believe this is unfair so I would like to exercise my consumer rights section XXXX ( a ) XXXX ( b ) XXXX ( d ) right of rescission section 125 is good for three years. vehicle is already paid for by my Social Security number so technically Im paying for this vehicle twice which is against the law. They also broke the Consumer law with 15 US C1662B no down payment too much I paid one. They also broke the law with 15 US C1605 the termination of finance charges finance .I have been misled by his company and taken advantage of, I need someone to look into this matter immediately I have dealt with this company for a long time and Im truly traumatized define out how they Took a vantage of my consumer laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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:
The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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: Account information incorrect

Complaint:
I have disputed XXXXXXXX solar account with Experian ( report # XXXX ), they claimed it was investigated but determined it was valid. I have never signed any contract with XXXX, XXXX allowed a tenant to sign for solar and when I complained to them they refused to do anything.

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 2023-04-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I contacted the bank and they agreed to remove the account from my report due to fraud. Please have the account stated below removed from my file completely. 

XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 explanation
Consumer complaint received 2023-04-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries below : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : 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 2021-03-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This is for a boat loan. 

On XX/XX/XXXX, at or around XXXX hours, USAA denial a boat loan without checking my credit report. 

XXXX called back as and stated that a manager will review the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Today, XX/XX/XXXX, I checked my credit report and XXXX XXXX XXXX XXXX has reported that my account with them is delinquent. They are also reporting that I owe a balance that is over {$9000.00} when the balance owed is {$3.00}. I have paid {$5500.00} on the {$9000.00} debt. I have attached a list of the payment receipts to this complaint. 

In XX/XX/XXXX, I filed a complaint that XXXX XXXX XXXX XXXX never responded to. In addition to the inaccurate account information being reported by XXXX XXXX XXXX XXXX to the credit bureaus, my credit score dropped XXXX points. Please see attached all payments made since XXXX at the branch that have not been applied to my account. As of today, I have not received a statement from XXXX XXXX XXXX XXXX that lists the payments they have received from me or the remaining balance. 

How can XXXX XXXX XXXX XXXX knowingly report inaccurate information against me to the credit bureaus when I have proof that the information they are reporting is false and is severely damaging my credit report and score?

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 2022-09-18
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account was hacked and {$400.00} was sent through XXXX in an unauthorized transaction. I notified Wells Fargo right away and were told that I was lucky it was only {$400.00} because people are losing thousands through XXXX scams. The bank started an investigation and sent us the attached letter saying their records indicated that I initiated the transfer but they would notify XXXX of the scam. I have never sent money through XXXX and my phone number is not authorized to do so. They have no answer for me as to why they acknowledged it was a scam, but are saying my account is not protected from fraudulent unauthorized online transactions. They also suggested that I call the persons number and ask for my money back since neither financial institution is responsible for crediting me the money back. I have tried to work this out with Wells Fargo to no avail and will be contacting our news stations investigative reports because this is happening a lot in our area and the banks are not being very helpful.

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