BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a XXXX  XXXX  loan today XX/XX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-08-28
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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX   XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$590.00} XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXXXXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for a SAVE application XXXX XXXX XXXX  The federal government told me my payment would be XXXX. I applied early, during beta, so Nelnet has had plenty if time to process my application. I connected my IRS account to Nelnet so they could I think my tax information from them. Which is a viable option. My AGI was listed from IRS as XXXX. The federal government said I qualify for XXXX. Nelnet kept asking for more information because like other friends I have, they are trying to scam me out of more money when the guidelines for SAVE are ONLY your AGI, which I provided. IT has been 3.5 months and Nelnet still hasn't processed my SAVE app because they are trying to find a way to charge me a huge amount. Which they have done to tons of my friends. I am fed up. This should have been handled a long time ago and the federal government told me 4 weeks to process or maybe a bit longer. 3.5 months is insane. Nelnet is worse than XXXX because thry even had my NAME WRONG. Great Lakes had my loan and never messed anything up. my name is XXXX XXXX and they keep sending me letters as XXXX XXXX. I am reporting them to the Ombudsman as well as they are treating me, a XXXX  with a XXXX like a financial mark toget as much money as they can from me. They sent me a bill for XXXX which is my old amount before SAVE. they can't get my name right, refuse to process my application and are trying to XXXX me over. As a XXXX XXXX XXXX XXXX XXXX I am done with the gross incompetence of Nelnet, their stall tactics to find a way to charge me as much money as they can, and their gross incompetence. My name was XXXX with Great Lakes who they received ny loan from. I demand also that I am credited with payments towards public student loan forgiveness a XXXX XXXXXXXX as it is their fault they have not processed my SAVE application. I want the Biden Administrarion to know the absolutely disgusting behavior I have endured under Nelnet. I demand my SAVE application be processed immediately and that my payment of XXXX be sent to me for XXXX asap. 

Attached are proof of dates and correspondence. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This issue is with Wells Fargo..our car got repossessed and we had 21 days to pay the payment they wanted to get it reinstated well we paid it in the 21st day which is today the Monday XX/XX/XXXX. They said on phone it had been moved to an auction house XXXX hrs away from where it was supposed to be stored. Now they are telling us it's gon na take 10 days before car can be relocated back for us to pick up. They didn't give us any notification that they were moving it or give us any chance it time to pick up our personal belongings out if it ... which by law I believe they are supposed to do within three days after picking it up. So also now I spoke with bank on phone and they still say it's gon na take XXXX days to retrieve the car or I can make appt with auction place to pick it up myself. Well I obviously dont have a vehicle to pick it up right?! And they are also saying another payment is due at end of XXXX well I don't even have my car in my possession due to them sending it off before grace period was up o feel as if I don't have to pay that said payment because car will not be in my possession on says dates payment us owed. What can I do? Plz help I feel like I'm getting worked over here by this bank.

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 2023-06-28
Company: EQUIFAX, 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:
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 Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Bankruptcy Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX**** Account Name : XXXX Account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transferred my funds from my Inheritance to my cash app account and I thought the funds would be safe there, I was in the hospital in XXXX and I can home and tried to use my cash app account with the debit card and the card was never activated, but all the funds were taken away without my authorization and I have been working on this since XXXX of this year and the cash app people tell me that I am not going to get any of my funds back they said that all the funds were taken and put on another debit card.I have contacted cash app several times and all they do is hang up and decline my case and I am sick of them not trying to help me figure this all out. They should have a way to find out where my money has gone to buy the ip address and the debit card number, I would be so pleased if you could help me in any way possible to get my money back the amount of money that was take from my account is in the amount of {$28000.00} and cash app says I am sorry mama but there is nothing that they will do to get my funds back. Please help me. 
My Phone number is XXXX if you should need to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Barclays committed and facilitated fraud and felony crimes in relation to XXXX and XXXX XXXX. They are in possession of my stolen property and I want to be remunerated immediately. I suffer catastrophic damages every single day this goes unresolved. Consider this an invoice. I want {>= $1,000,000} if paid before XXXX XXXX. Settlement should go through 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 2023-07-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-28
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft, Experian is no Stanger to this information. 

I disputed this address ( WHICH IS NOT MY ADDRESS! ) These addresses are a result of fraud. 

Experian is now in violation of the FCRA section 623 Violation : Defamation, willful injury They ( Experian ) refuse to correct information after being provided proof of inaccuracy. 

These SAME ADDRESSES WERE Deleted from XXXX  because they're fraud! 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm writing to you in order to formally alert you about an identity theft occurrence and several false accounts on your credit file. I recently got a copy of my TransUnion credit report, and I saw a number of unlawful accounts and transactions that I neither opened nor gave my permission for. This is a really important topic, and I need your help to find a solution. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. 
The following fraudulent accounts have been reported on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me and was neither opened nor authorized by me. I believe that the unauthorized creation of this account was made possible by the compromise of my personal information.

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 2022-11-27
Company: EQUIFAX, INC.
State: NY
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:
THE COMPANY WHICH IS LISTED HAS FAILED TO ASSIST ME WITH MY PROBLEM WHICH HAS CAUSED LIFE VERY STRESSFUL AND HAS CAUSED ME TO LOSE MY JOB AND BEEN LOSING ON ALOT OPPORTUNITY. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2015 Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 2 Fraud acct showing on my credit reports!! I called both a they said they don't know anything about it!! I need them to be removed ASAP!! Its fraud!!

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-11-27
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: Reporting company used your report improperly

Complaint:
I'm no longer an authorized user or financially responsible since XXXX  for XXXXXXXX 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 2018-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear CFPB official, I am a customer of Chase Bank in XXXX ( XXXX XXXX ). On the XXXX and XX/XX/XXXX there has been some restaurant shopping in XXXX, CA, XXXX XXXX, CA and XXXX XXXX, NV totalling approximately {$130.00} with my debit card. During these dates ( XX/XX/XXXX and XXXX ) I was out of state in Utah and Idaho with my family for holiday. The debit card which was claimed as physically used in California ( where my residence is ) fro restaurant shopping, was also with me in my wallet. After I came back from holiday I noticed these suspicious transactions and called the fraud line. They cancelled the old card and told me to destroy it which I did. They said they will do an investigation and come back to me. They did actually and they debited my account for these transactions as they believe I did these transactions in person and try to deceive the Chase Bank as if I never did. And this is totally unacceptable to me. I never ever my entire life went to those restaurants ( XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ) let aside dining there. 
I say the debit card was with me at the time of incident and they say the vendor told the card was physically used at the shopping. So there are three possibilities either I am lying ( which I dont! ) or the vendor is lying or the debit card is copied. So the officials of Chase Bank told me today that they believe the vendors not me. They don't even use the benefit of the doubt that I might be saying the truth! They told me that I can go to the Police! 
As an ex-XXXX for 25 years, this approach is totally unacceptable and I can't and I won't tolerate this treatment. 
I was out of state and I can prove with my XXXX XXXX XXXX Credit card statement as there are transactions I did on the day of this incident where I was in Utah and Idaho. One can spot my location ( and my family 's location through my operator XXXX at the time of this incident ). 
In the meantime, I almost never use my debit card except for gas stations ( seldom ) and for my daughter 's tennis club payments. So this is clearly a fraud which involved copying of my card and for that as a customer there is nothing I can do. The Chase Bank should accept this and stop accusing me as if I am a thief. The Fraud department should do their job properly and stop engaging prejudice against the customers and try to listen to them as well and use the benefit of the doubt when possible. 
Since they told me today there is nothing I can do within Chase Bank I am writing to you. I hope you can help me to get my rights. I am not after a 100 plus dollars but I am after my reputation. I want Chase Bank to give those amount back to my account and apologize for what they did. 
Thank you very much for your help best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief