BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XX/XX/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 The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-05
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in an accident which was not my fault in XXXX. I just took out loans on a brand new XXXX XXXX XXXX. We did not even have the vehicle for a month. No one notified us we had any outstanding balance until XX/XX/2018. We were told from XXXX XXXX that it was taken care of in full, we owed nothing. We contacted XXXX in XXXX, MA and they said they would take care of it. We heard nothing until XXXX from a notice dated XX/XX/2018 claiming we still owed XXXX. I asked them WHY and if they could send an invoice. They claimed they can not tell us WHY. So WHY should we pay a bill that we can not see WHAT we are being charged for? I called the dealership and the " manager '' said that the VIN number was wrong. She refused to also tell us WHAT the bill was for. I feel this is illegal especially because we do not know WHAT or WHY we are being billed this amount. They are threatening to take action if we do not pay this amount within 10 days. We do not have the money to pay it at the moment, and we were told we owed nothing by the other person that works at the dealership and he would take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened my account in 2010 and was offered a XXXX after several purchases and several payments made I began to notice discrepancies. I contacted Wells Fargo and requested an audit of my account as well as billing statements and a record of all payments. Wells Fargo failed to provide the information requested and continued to add charges without my consent or knowledge. I made several attempts to resolve this problem with all levels of management at the branch level to the corporate level with no resolve.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: NM
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:
A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XX/XX/XXXX 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 The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/ 2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was put into forbearance due to hardship loss of job during covid and also illness - I was told that the payments would be put at the back of the loan at the end of the forbearance and now they are demanding the TOTAL amount at once or they want me to do a short sale or a foreclosure If I was dealing w a hardship how would I miraculously come up w 12 months of payments if I wasn't working in the first place? This feels like a scam

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 2023-08-16
Company: Experian Information Solutions Inc.
State: WI
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:
In 2018 I was a victim of identity theft. I never opened the XXXX XXXX XXXXXXXX card listed on my credit reports I am not requesting a fraud alert be placed on any of my reports.

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 2023-09-02
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment on XX/XX/XXXX  Barclay 's said it was stopped payment on XX/XX/XXXX  I spoke to my bank, a payment never was requested by them, therefore there was not a stop payment made. We informed the manager, the bank was on the call with me, they refuse to refund the XXXX they charged even after showing proof, the payment was never requested by them.

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 2023-01-08
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Applied for Discover XXXX XXXX XXXX which clearly states no credit required. No credit report. They have checked my credit report in XXXX lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2020-03-30
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX  Please remove the following employers : Not Provided, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, 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:
Date : XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX Amount : {$11000.00} Disputed account on credit report twice and asked for original signed consumer contract on file for the account along with the process that was used to verify information. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Medical Data Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After sitting on hold for over an hour, i told this faux hospital i have never been to the Carolinas let alone went to the hospital there. They sent me some long impossible to read and fill out form to prove they never treated someone who lives on the west coast and i wish i had the funds to sue these jerks.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In my consumer report with XXXX, XXXX, and Transunion consumer reporting agencies, there is inaccurate information being reported. According to the ( FCRA ) Fair Credit Reporting Act, it is your responsibility to ensure the accuracy and fairness of credit reporting. I discovered these inaccuracies when I checked my consumer report on XX/XX/XXXX on the websites of each consumer agency. My address, incorrect employment name, and date of birth are all reported incorrectly. Along with this complaint, I have attached a letter that I sent to all three consumer reporting agencies on XX/XX/2023 through the USPS mailing service, and the letter was sent certified, containing the accurate information that should be reported 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 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion.. XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX CARD, 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 2019-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I asked capital one bank that they had a problem with their online banking system to pay my bill but I got penalized for their mistake and they restricted my account from making purchases then i was told by a supervisor that the restriction might be taken off never happened at all I been with them for 4 years quick silver credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Paypal Holdings, Inc
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
PayPal is a direct violation of federal regulations regarding the reversal of provisional credit. In their email they stated in multiple disputes that they would reverse the provisional credit on XX/XX/XXXX and they have already processed them prior to XX/XX/XXXX. 

My account is under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I paid the full amount of XXXX. In XXXX my balance decreased to XXXX. I called the company to say I paid them in full in XXXX which they agreed. They have told me numerous times to call back, or it will be off in another 30 days. I have called every month since XXXX. I am furious. Then I disputed it thru XXXX  they verified the account and that I still owed XXXX. Which is completely in accurate I called the company today to be told call tomorrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: GreenSky, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
One day XXXX XXXX XXXX had windows to be installed and I had them come to measure my window but the lady that came to measure told me it was possible my XXXX  would cover my window expenses and I told her I would contact my XXXX and told her to put this in hold until I contacted my XXXX  and they said yes it would be covered.The next day I called XXXX and told them to cancel. 
Shortly after I received a statement from the bank Greensky and what happened this company had charged a window using my credit. 
Last week I was checking my credit report with XXXX and the only negative report was because of this company or the bank I dont know and XXXX said it would be on report for seven years, unless they would take it off. 
I am sending you a copy of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i tried to get a car from XXXX.. this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for 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 2023-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital one closed my bank account out of nowhere back in XXXX of XXXX its been almost 4 months and I still havent received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In my consumer report with XXXX, Experian, and XXXX consumer reporting agencies, there is inaccurate information being reported. According to the ( FCRA ) Fair Credit Reporting Act, it is your responsibility to ensure the accuracy and fairness of credit reporting. I discovered these inaccuracies when I checked my consumer report on XX/XX/XXXX on the websites of each consumer agency. My address, incorrect employment name, and date of birth are all reported incorrectly. Along with this complaint, I have attached a letter that I sent to all three consumer reporting agencies on XX/XX/2023 through the USPS mailing service, and the letter was sent certified, containing the accurate information that should be reported 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 explanation
Consumer complaint received 2021-10-13
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX to Gregory Funding but I had applied for a loan modification on XX/XX/2021 and my loan was transferred to Gregory Funding on XX/XX/2021. When I used to check my XXXX XXXX XXXX, it stated a modification was successful but now Gregory Funding agent telling me when a loan is transferred, there are 100 of documents. Gregory Funding LLC has been a nightmare to me and by looking at their reviews it say 1 star. Almost everyone with similar complaints. It doesnt seem that Gregory Funding will not abide by the process that was already in place. I got everything in writing from from XXXX XXXX what was my options after my forbearance. Gregory Funding agent was asking me what documents I have and instantly I felt something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited {$7000.00} in cash to an ATM at Bank of America in XXXX, NY on Friday XX/XX/XXXX. The machine timed out during the transaction and my cash deposit was never credited to my account. That is all the cash I had access to and this has caused a devastating hardship. I have called multiple times and all they tell me is that it could take 45 days to figure this out. NOT ACCEPTABLE. They have my money and there is no reason this can not be resolved quickly. Been a customer for 25 years.

Company response to consumer: Closed with explanation