BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. .. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose. Please remove late payments and update asap please.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a XXXX XXXX credit card account open in my credit report that does not belong to me. I disputed it with XXXX and transunion but it is still showing in my account as closed but with a balance. This should be removed completely. Address in Georgia is not mine either and some inquiries. 
I can not speak to anyone from premier by phone because an automated recording answers asking for my credit card information which I dont have because I have no access to this credit 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
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:
XX/XX/XXXX - {$84.00} XXXX XXXX XXXX XX/XX/XXXX - {$18.00} XXXX XXXX XXXX These amounts are from an account that was closed and no longer exists after a fraud attempt from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX 
XXXX has been contacted several times about this company, yet they have no taken down the page, done anything about the dispute or prevented letters from being sent. The number ( XXXX ) XXXX is NOT even an active number. There is no other active service number or email to call about this matter and they have not given me validation that the debt was unresolved. 

XX/XX/XXXXXXXX  my work email ( XXXX ) was exposed to the dark web last used from an IP address in XXXX Oregon from the same location where the headquarters for returns to XXXX is located. The email was sent a receipt for three items purchase through the app " XXXX ''. 

XX/XX/XXXX An unauthorized inquiry was made for XXXX line of credit. 

XX/XX/XXXX An unauthorized attempt was made for a line of credit for " XXXX XXXX '' XX/XX/XXXX Work email XXXX was found several times under the dark web for an EXPOSED email and password for " XXXX '' and " XXXX  ''. 

There are 3 accounts still listed on this credit report that have been CLOSED for one year or more through XXXX XXXX XXXX. They have been settled and are still appearing on the consumer credit report. 

There is also a line of credit through TOYOTA MOTOR. This is supposed to be written off as a loss as the car was totaled on XX/XX/XXXX. It was settled through the car and medical insurance and written off as a loss!! 

On XX/XX/XXXX a AI generated call was made to XXXXXXXX XXXX  using my personal email and information to hack into my email and XXXX XXXX! A charge made by XXXX XXXX XXXX for {$14.00} was cancelled. XXXX then sent an email to my personal XXXX account asking for me to leave a better review of their item from an item I returned in XXXX of XXXX that I was never refunded for!! A subsequent XXXX XXXX  account and debit card were created and the account ending in XXXX was closed on XX/XX/XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had accounts and they were closed due to someone hacked my acct.. I need my acct for my payroll deposit.. Please assist with clearing the acct with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: EQUIFAX, 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:
There is a XXXX XXXX credit card account open in my credit report that does not belong to me. I disputed it with equifax and XXXX but it is still showing in my account as closed but with a balance. This should be removed completely. Address in Georgia is not mine either and some inquiries. 
I can not speak to anyone from premier by phone because an automated recording answers asking for my credit card information which I dont have because I have no access to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX, XXXX XXXX TransUnion are reporting information on my credit reporting fraudulent accounts 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 non-monetary relief
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: CO
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:
Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a XXXX  on my trans union report I have sent dispute letters from the courts, XXXX XXXX  an XXXX XXXX  XXXX that the information on my report is incorrect i ask for the info to be removed trans keep saying its accurate i have sent the letter over to trans union to show that thr info is wrong they keep reporting this its been 7 months they are not giving me any correct info its hurtin my credit i have put a freezee on my 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 2022-07-24
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by XXXX on XXXX telling me there has been unusual activity on my account. I told them I have XXXX account but I never use it. I was told someone had sent 2 laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm permanently XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from XXXX saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from XXXX for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off my student loans to Ed fiancial before interest payments started again ( final payment submitted XX/XX/24 ). I selected auto-allocation for the loans. One of my loans has a positive balance of {$710.00} and one of my loans has a negative balance of {$710.00}. They balance to XXXX but Edfinancial refuses to fix the problem so I have been charged interest on the remaining balance. I paid in full and both loans were selected to be paid, as noted by the decreased balance on both loans. I can not get ahold of Edfinancial either via email/inbox of this complaint or by phone. It is unacceptable that I have completely paid off my student loan balance but am still being charged interest on a mistake made by a government agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: HW Holding, Inc
State: NE
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2023 I wrote a letter of dispute to the company Hunter Warfiled. 
This company violated my consumer rights and the information is inaccurate. This company also violated my privacy without my consent. Hunter Warfield is also in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... ..The credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX  and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....

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 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, I suspect someone applied without my knowledge : XXXX XXXX XXXX {$7100.00} XX/XX/2023 I was living in XXXX this whole time, I get back and noticed this was on my report. Please inform the bureaus of this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have monster mortgage servicer and a monster private invester And I am stock They dont want to work with me because the thief invester doesnt care What should I do loose my Home thats not an option It is disgusting thats government has no resources broker who got this garbage loan and the invester chested and I have to loose my Home

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 2022-11-16
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I'm XXXX, I received the findings from incomm on XX/XX/XXXX, my case numberXXXX, They told me sent a new gift card to my XXXX  address, but the case has been 3 months and I changed a new address last month, I have moved from XXXX  to XXXX XXXX, my old address in XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the customer service on the back of the card and provided my case number and name and address, but she said she could not verify me. I think she deliberately didn't want to help me, and told me that if I have any questions, please reply to this email XXXX, which I did, but 4 days have gone, and I haven't received anything reply, I can't contact them about my case, I cant get help, I hope CFPB can help me, Ive been waiting so long time for this case, if you can help me change my address, please let me know, if they use XXXX to send the new card to me, please let me know the tracking number, my new address is : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. I actually explained to customer service representative XXXX XXXX another case last month that I moved to XXXX XXXX for work, please change my new address The mailing address of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: CO
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 XXXX  Account 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 a account without my written instructions.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XX/XX/XXXX, a person by the name of " XXXX XXXX '' called me from XXXX about case # XXXX. 

This case is about two issues as I clearly explained to XXXX : 1 ) Wells Fargo Freezing my checking account ending in XXXX in XX/XX/XXXX and then closing the same account in XX/XX/XXXX without any reason given. This falls under the Consent Decree CFPB has with Well Fargo dated XXXX XX/XX/XXXX. 

2 ) Wells Fargo making incorrect late payment reports to credit agencies about my Auto LoanXXXX as well as late fees charged. 

XXXX XXXX called again today, XXXX XX/XX/XXXX at XXXX asking about " fraudulent checking accounts in my name ''. I have to ask what does this have to do with the issues at hand??? 

I explained to XXXX XXXX clearly on XXXX XX/XX/XXXX at XXXX that I am requesting mediation for 1 ) my checking account ending in XXXX that was frozen by Wells Fargo ( XXXX XXXX XX/XX/XXXX ) without explanation. 

2 ) Incorrect late payments reported to the credit reporting agencies on my auto loan as well as late fees for WF auto loan account XXXX. 

XXXX hung up on me. 

It is clear Wells Fargo refuses to address the claims I have under the CFPB consent decree with Wells Fargo dated XXXX XX/XX/XXXX for freezing/closing my checking account ending in XXXX and the incorrect late payments on my credit report and late fees charged. 

I am making this last attempt to request mediation. Should Wells Fargo NOT move forward with mediation, I will file a lawsuit. 

I have done my absolute best over the last three weeks to resolve these issues as outlined in the Wells Fargo Consent Decree with CFPB dated XXXX XX/XX/XXXX. 

I have all the documents and witnesses to support my claims.

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 2023-10-30
Company: ALLY FINANCIAL INC.
State: IL
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:
Have many unauthorized inquiries. I never consented for my credit to be pulled

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