BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: CA
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 am a XXXX and a dental supply company XXXX sells dental implants. I was about to do a contract with the rep when I changed my mind and told him not to move forward. 
His manger then ran my credit and did a hard pull, I did not authorize this pull and this should not be on my credit. This company illegally used my information against my wishes. 
I spoke to the company and they offered little recourse but a sorry. 
Thank you Any questions please reach out to me via email or phone. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I and my husband XXXX XXXX are victims of Identity theft. Our information has been stolen and used without permission.

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 2022-10-25
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of XX/XX/2022. XXXX has dropped my credit score from XXXX to XXXX. A bill was removed from the said credit report with XXXX. I should have gained points not lost points and they are repeatedly doing this. A bill is removed and they are dropping the score every other month by XXXX points instead of my score being at XXXX by now. I dispute it they removed the bill and dropped my credit score. Equifax has my balance at XXXX is XXXX plus XXXX. Balances need to be fixed. XXXX was removed from credit bureau XXXX and not from Equifax also. So it's on Equifax but removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Saint Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been desperately trying to correct my credit report after XXXX Bank and XXXX XXXX made entirely false reports of missed payments on accounts that were never late. The Credit Bureaus have illegally neglected to follow the law. In distress, I signed up for Credit Saint. Their offer was to refund the fee if the issues are not resolved within 90 days. They scammed me for money from me and have not addressed the false reporting from XXXX and XXXX XXXX. My XXXX  XXXX XXXX credit card has flagged them as fraud. I can not believe how injust this entire situation has become.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells fargo cancelled all the debit cards for my accounts denying access to my funds due to alleged too many claims. The claims were valid and reversed in most instances by the merchants. Some airlines did not refund the money from my checking account. after a new account was opened recently, they did reissue a debit card only to have a representative ask my to drive back to the bank and return the card.

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 2023-07-05
Company: EQUIFAX, 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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent letters to XXXX, XXXX, and Experian during the first part of XXXX to investigate negative information on my credit reports that is not actuate, has been over 30days and the credit companies are not complying with their own policies in a timely manner.

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 2023-02-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried three separate times to work with the loss mitigation team with Carrington Mortgage group and applied for forbearance in which the company denied all request for loan modification even when I had agreed to a loan modification in three separate payments presented to me by the company. Now the company refuses to look over my application for loan modification once again and has placed my home in foreclosure and has not made it easy for me to get any answers with the foreclosure time frame to stop the foreclosure process and work out a deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX of this year XX/XX/2018, I enrolled in auto pay for my 5 outstanding student loans that are processed with Navient, see attachment A. Enrollment in auto pay qualified me for a credit and on XX/XX/2018, I received a letter from Navient acknowledging the amount of credit to be {$1200.00}, see attachment B. 

The {$1200.00} credit was posted to a loan which I just paid off in XXXX, so I had to call Navient customer service to apply the credit to pay off 3 out of 4 remaining loans. On XX/XX/2018, I received acknowledgment letter about it, see attachment C. 

On XX/XX/2018, I called Navient to increase my automatic payment amount in order to pay my last remaining loan faster. I am not sure what happened at Navient at that point, but my credit was retroactively taken off, see attachment D. I didn't receive any notifications about this at the time. 

On XX/XX/2018 I received Navient notification that I am past due on my loans and showing outstanding balances on the loans that were paid off, see attachment E. 

I had called Navient numerous time trying to resolve the issue, the last call on XX/XX/2018 was almost two hours. The customer service representatives agreed with me and assured that the errors would be corrected, but nothing has been done so far. I keep the log of my calls to Navient should you need the details. Please help me to get this issue resolved, I am not supposed to be charged interest for the loans that have {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-24
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Re Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX After opening this account -- last spring -- to buy clothing for my XXXX, Texas-based granddaughter, I only received my first bill in late XX/XX/2018. This, the first bill, included a late and an interest charge. 
I have paid the original amount, but not the other charges, which I am disputing with XXXX XXXX, of XXXX, OH. 
I suspect this may not be a solitary occurrence, but, perhaps, an example of a systemic fraudulent practice. Please investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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've found that my credit report has erroneous information for the second time now.According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed by a fake remote job position. They ( scammers ) sent me a check to deposit ( which I printed ) and XXXX deposited on my mobile wells fargo account. Later on, wells fargo posts the XXXX in my account as available. Thats when I XXXX  the scammers back the same amount for them to bug me a laptop, and different softwares ( I have screenshots and a statement of the real company identifying the post as a scam and that XXXX more people had called about the same fake online job. Furthermore, Wells fargo retires the amount of the check from my account and I am left with minus XXXX dollars. They send en email saying that because of quality issues the check wont go through. I talk to the scammer and realize it was a scam. 

I called wells fargo and eas told that I would get my moeny back in about 9-10 days. 17 days later I call to see whats going on, they inform me that my case was closed 4 days after and I opened my claim and was NOT notified about it. I reopened the claim, because I used XXXX for them is not fraude, but they tood me I would have my money back and did not inform me about closing my case. 

LATER ON, more than 3 weeks later the scammers are able to hack my wells fargo account and send themselves 2k more than five times ( only one went through ), I was not notified of any suspicious activity and had to close my account and open a new one as well as change of XXXX and 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 2023-07-25
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
During the year of XXXX, I contacted Wells Fargo Bank where I banked and had military checking and all banking through their military banking department i contacted several times with regard to information on purchasing a home I was transferred to credit department and home mortgage department and was told that I didn't have a good enough credit score to purchase a home and that I lacked a large purchase in other words a low score and not major purchase they suggested that I make a large purchase or purchases to demonstrate I can pay back to increase credit score by using credit card or byway of other purchases THAT IS A TOTAL FRAUD AND A TOTAL LIE! I qualified at the time I was lied to by Wells Fargo for a house because the VA loan is totally different than a conventional home loan. Iwas told this lie by several Wells Fargo representatives in order to just run up my credit card. I charged on my card up to l Just under {$30000.00} and my fico credit score at the time was XXXX or XXXX, and was given {$30000.00} with that credit score. It is my honest and sincere experience and observation that Wells Fargo lied to me decieved me gave me this line of credit that I according to fico score didn't qualify to have A ) give large credit line in order use the assets that I had in the bank account over {$60000.00} to $ XXXX after XXXX initial cash deposit in my checking savings at that time B ) lied to me knowing I qualified for veterans loan BECAUSE I USED WELLS FARGO MILITARY BANKING but lied to me saying i didn't qualify in order to get me to make purchases on my card and C ) PROOF WELLS FARGO LIED DECIEVED AND MISLEAD ME ON MY MORTGAGE QUESTIONS AND INQUIRIES after I was approved for my home after having a {$30000.00} loan with Wells fargo ( debt to asset ratio ) still qualified me for a home because IT IS A VETERANS LOAN NOT A CONVENTIONAL LOAN. 

I had to pay Wells fargo the ( YOU NEED TO PUT PURCHASES ON YOUR CARD TO QUALIFY FOR A HOME LIE LOAN ) I have loan 10 % interest rate on a {$30000.00} loan for five years started in XXXX paying {$520.00} every month haven't missed a payment I been struggling but Wells Fargo predatory lied to me to get me to run up the card on lies telling me I didn't qualify for home loan because my credit score is too low and no major purchases ALL LIES I NEVER WOULD HAVE MADE THESE PURCHASES NOR HAVE THIS DEBT IF WELLS FARGO HAD NOT LIED TO ME ABOUT HOW I NEEDED TO MAKE LARGE PURCHASE AND RAISE MY CREDIT SCORE IT IS ALL LIES MY HOME LOAN CURRWNT IS A VETERAN LOAN HAD NOTHING TO DO WITH WHAT THAT LIED TO ME ABOUT. I QUALIFIED AND THEY LIED AND SAID I DID NOT.

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 2022-11-10
Company: First Technology Federal Credit Union
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had nothing but issues with this bank since the day I got it. They held my irs check for 2 weeks. Then my account was emptied. XXXX was taken after they said they sent me a new card in the mail. So I got rid of the first card. The new card was the same as the first card and my account was emptier. I called the XXXX and told them I don't have XXXX XXXX or XXXX  and they didn't do anything since on the XXXX someone took the last XXXX I had. They denied my claim saying it's unfounded but if that's the case where is my 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 2020-09-16
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I decided to refinance my vehicle with Westlake Financial. I received payoff check from XXXX XXXX overnighted to Westlake Financial. Westlake received on XX/XX/XXXX I called to verify. Representative told me that check had been received and to call back after XXXX of XXXX weekend to verify it had been processed which I did. The 2nd Representative told me she couldn't verify it was received after a week of going back and forth with Westlake I  stopped payment on the XXXX and mailed the payment off again. This time I kept the tracking information because after confirming the original check was received I discarded the tracking number. During this time I have been charged XXXX a day of interest and been giving misinformation from Westlake. Account number was written on original check because I wrote it and mailed it off. Check was not received XX/XX/XXXX it was received XX/XX/XXXX per tracking number.

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 2023-04-05
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove 1.XXXX  XXXX XXXX XXXX  card Date opened XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX 3.XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: PA
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 went to XXXX XXXX XXXX XXXX XXXX they pulled my credit report where they were they said there would only be 1 inquiry that was on my credit report but i recently recieved a copy of my credit report and noticed a bunch or inquires that i dont recognize nor did i authorize them to access my crdit report. There is also a bunch of inquiries that are showing up as unspecified that i Definetly do not recognize nor do i give the commpanies Permissible Purpose for whatever they are connected to ive never even heard of most of these companies.

15 U.S.C 1681b refers to permissible purpose of consumer reports 15 U.S.C 1681 section 602 A. States I have a 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 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was a dispute sent to Resurgent Capital on my behalf for 2 accounts listed under their name to verify debt and accuracy of collection account. They've sent a letter on refusing to investigate as per FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation