BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call on XX/XX/XXXX from a company called XXXX XXXX ( XXXX ) XXXX. 
They stated I was being sued over an outstanding debt from US Bank from XXXX to XXXX. I do not recognize this debt and asked them to provide me with copies of the agreements. They told me that they didn't have to provide this information and that I could " tell this to the judge ''.

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 2018-04-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
So Back in 2016 I went into Wells Fargo to open a bank account, the account was shortly closed due to early warning services .... they are saying that I applied for a student loan and added a co-signer that did not ask to be added. I have told Wells Fargo I have made one student loan application without a co-signer and I have confirmed that there is an additional I have let them know that it was not me that applied fraud was done in my name I never did an application with a co-signer. Here we are two years later and I am not able to successfully open a bank account. I opened a checking and savings with XXXX XXXX XXXX XXXX, which surprisingly they allowed me to open, but that too was closed shortly telling me to contact early warning services again. Because I told them that I have applied for student loan ( I INCLUDED THAT THIS WAS DONE RECENTLY THIS YEAR WITH NO CO-SIGNER ) Wells Fargo has refused to remove this accusation from my Early Warning services report and My XXXX XXXX account can not be used until they receive something from red saying that those things are inaccurate. Because fraud was done in my name I am being limited and can not use or open any account near me! This is affecting me my financial support and my time and this is really inconveniencing. I have disputed tried everything Wells Fargo is just not willing to remove this and I need this looked into further! I am being punished for no reason at all, Waiting anxiously for a response as my account has been restricted since the second week of XXXX and we are nearly in the second week of 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 2023-11-20
Company: ZIONS BANCORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband, which he is also in this account, was paid by a check in the amount of {$5.00}, XXXX, for a job and Amegy froze our whole account while we were on vacation! They said they did not recognize the company and they had a reason to believe that the check would not have enough funds. Whats funny is that the guy that paid, it had already cleared on his end, but Amegys fraud department will not talk to us. We have been with them for over 20 years and its so frustrating and disappointing that I thought our loyalty counted as something for them. Yes, they froze our checking account without warning! This happened on XX/XX/XXXX, and according to them, they are not done with their investigation until XX/XX/XXXX. So upset!!

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 2023-04-14
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was sold a vehicle with a warranty in XX/XX/2022. I contacted the warranty company to request cancelation of the warranty. They said the dealer would have to request it. I contacted the dealer and was given several different excuses on why they couldn't cancel the warranty mostly referring to not sure where the form was or wasn't familiar with the process or the person wasn't in that knew how. I have since paid off the loan and I went to the dealer again to request the cancelation and they got on the phone with the lender and lender stated they can't cancel it now that the loan has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-05
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my XXXX account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. 

Best, 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 2023-11-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$6500.00} ; XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX. ) Balance Owed : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; DPT TREASURY XXXX Balance Owed : {$2200.00} ;

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 non-monetary relief
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Fraudulent accounts and inquiries appearing on my credit report. XXXX. XXXX {$10000.00} XXXX XXXX {$10000.00}

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 non-monetary relief
Consumer complaint received 2022-10-31
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/XXXX I contacted Regional Acceptance Corporation regarding my vehicle loan reaching its end of term but I still had a balance. I spoke with a Collector Rep from the organization by the name of XXXX XXXX in which she offered me a Renewal/Reschedule as long as I agreed to the terms. I verbally agreed to the terms and conditions the same day and was sent a Renewal/Reschedule Form to sign in which both my husband and I signed and returned to XXXX via email on XX/XX/XXXX in which she responded that the document was received and approved. 

Based on the new loans terms. My first scheduled payment would be XX/XX/XXXX with a new payment amount of {$370.00}. I confirmed with XXXX and multiple CSR 's that I would be skipping my XX/XX/XXXX payment. All confirmed that XX/XX/XXXX ' payment would be skipped. I made my XX/XX/XXXX before the due date XX/XX/XXXX. 

In XXXX of XXXX I received an alert from all 3 credit bureau 's that my Regional Acceptance has reported that I was 60 days past due for XX/XX/XXXX and 90 Days for XX/XX/XXXX. I filed disputes with all 3 credit bureaus in which XXXX and XXXX removed the negative information internally because Regional Acceptance failed to respond and update inaccurate data. 

XXXX has failed to removed the inaccurate data or get a response from the Regional Acceptance even though my credit reports proves that this information incorrect. I have tried calling the Regional Acceptance customer service line on multiple occasions and no one in that department no how to reach the disputes department. These late payments has seriously hurt my credit rating including getting me denied for credit.

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 2023-04-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Why does the interest rate keep going up? I thought the interest rate stayed the same because it was a student loan. I can't afford to pay this steady increasing interest rate. Also I thought this loan was supposed to be discharged because of illegal practices of XXXX XXXX XXXXXXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: GA
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:
Recently, I asked Equifax to conduct an investigation regarding a unrecognized item on my credit report, as I found inaccurate, incomplete, and questionable items that was not 100 % reporting accurately. I sent Equifax a dispute letter XX/XX/22 in regards to the XXXXXXXX XXXX account, as well as various inaccuracies and incompletions that were reported. This account does not belong to me. They have failed to respond within a timely manner of 30 days. I am depressed that no response has been given, especially being that there are various credit reporting violations associated with this account. It is plainly stated in FCRA laws that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; 15 USC Section 611 ( a ). The credit bureaus are supposed to complete all investigations before the expiration of the period ; 15 USC Section 623 ( 9 ) ( b ) ( 2 ) ). It has exceeded well over 30 days, and this creditor will not comply with any form of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been contacting my lender ( Citizens ) since XX/XX//22 regarding a delinquent property tax notice I received in the mail. I have an escrow account with my lender for property taxes and insurance. I have called in many times and also sent multiple fax requests. Every time I call in, I get the same generic response that the issue is being escalated or the issue is with the research team. As of today, XX/XX//22, my second installment property tax is still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account indicated below continues 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 this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX : {$1500.00}

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 non-monetary relief
Consumer complaint received 2023-04-14
Company: Nelnet, 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 tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. I've also attempted to remove the late payment by challenging it thru the credit bureaus. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: UT
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 have sent copy of letter from XXXX XXXX XXXX 3 times showing a 30 day past due is to be removed from my reports. This still has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX with a account number 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have sent debt validation letters to the collection agency and credit bureaus whos reporting this debt on my file on XX/XX/XXXX. I have heard nothing back from nobody why? Because I didnt open any XXXX  account with XXXX in XXXX as stated on my report. So their validation from XXXX  that they reported would be inaccurate. The debt states {$2100.00} opened XX/XX/XXXX I demand this account be blocked and deleted from my reports for falsifying dates and violating my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CL Holdings LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX had previously sent a debt amount they said I owed. However, I never owned a XXXX XXXX account. I have submitted to their 2 collection agencies who keep harassing me on trying to get me to pay an amount they believe I owe. 

I have attempted many times to get XXXX and their collection agencies to redirect the collection effort on who really owns the phone account. But, they are insistent I am the account owner - I told XXXX and both of their collection vendors this is not my debt, phone number, and or account. 

I have attached documents and a letter I would like to send to you for assistance in clearing this matter up. If you review all of my credit accounts I am in good standing in all of my credit cards, and loans and they have done nothing except to keep ruining my credit reputation which needs to stop.

Company response to consumer: Closed with explanation