BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 agreed to remove the 5 late payments during the middle of the pandemic as I ( family ) lost income and child care during that time XX/XX/2020 thru XX/XX/2020 but they still show up on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: MI
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 9th 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 XXXXXXXX, MI 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 2023-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: LendUp Loans LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I ha d a Prime loan with LendUp. I got a loan from my credit union and they sent a check to LendU p to pay off my loan in mid  XXXX . The amount they sent was more than the pay off. I 'm not sure the amount of the overage, but probably $  XXXX .     I have contacted LendUp repeatedly and they take days to answer messages. All I have received from them is that my refund " is in process ''. I can not reach anyone by phone. Their phone system directs me to utilize the message portal on their website.  XXXX  messages me back sometimes, but I still do n't have my money.     I started contacting them over 30 days ago and nothing has been resolved.     Horrible customer service.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX Accounts : 1. XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX XXXX  XXXX XX/XX/XXXX {$4800.00}

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 2023-07-25
Company: Nelnet, 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:
I have co-signed my daughter 's XXXX XXXX student loan. 
Every month Nelnet Department of Education reports different balances while the loan has been deferred. 

Because of this practice, my credit continuously falling score fell from XXXX to XXXX, thus putting me in hardship. 

After spending months trying to find out who is responsible for Nelnet XXXX or Department of Education, every entry points this to credit. Credit bureaus clearly say we report what is reported to us. 

This harassment must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

XXXX XXXX : XXXXXXXX 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 2023-10-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I found that my HSBC U.S. account, including my credit card account, was suddenly suspended. I asked the customer service and was told that the account would be closed within 60 days for no reason. Before that, I did not participate in any illegal transactions, did not commit any illegal acts, and paid the credit card bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: DISCOVER BANK
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I held a cre dit card with Discover which went into default. Discover wen t to court and filed to garnish my wages and won. I contacted  Discover, which s hows them as the holder on my credit report, and attempted to pay the debt off all at once in its entirety. I was informed that the law firm   XXXX   XXXX   XXXX   XXXX   held the debt,  Discover  transferred me to them but no answer. I attempted to call the law firm directly and still no answer. I called  Discover  again and informed them that nobody answered and I wanted to pay off the entire debt. The  Discover o perator told me she would call them and at that point hand me over in person. After  12 minu tes The operator came back on the phone and informed me she was unable to make contact at this time. I hung up and attempted contact with the law firm a  3rd time with  no answer. I then proceeded to the court house, in  XXXX   county, to get a  copy of the court order to look for additional contact information on the law firm. Th e 2 numbers on the court order are the same as the 2 I have already. Both numbers connect with  the same automated service. I then tracked down the original attorney and contacted him directly and I was sent to voice mail. I then called and received a call back from  XXXX   XXXX   XXXX . I asked them what my next step should be and the recommended calling the Attorney  Generals Office Consum er Affairs. I called the Attorney  Generals Office and they recommend I dispute the claim on my credit report - which would show me the actual holder of the debt. T his all happened on   XXXX   XXXX   XXXX    . I 'm still standing here wanting to pay my debt and nobody is able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 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 late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened a savings account at TD bank that came with a {$200.00} bonus, but after completing the terms I never received the bonus. Below is a timeline of the events : Fall XXXX : Received mailer promoting " {$300.00} when you have {$2500.00} in direct deposits within 60 days. '' XX/XX/XXXX : Opened a checking account with TD bank and did two direct deposits totaling more than {$2500.00}. 
XXXX XXXX : Called TD bank customer service line to make sure the account qualified for the bonus, and was assured that they did. 
XX/XX/XXXX : Completed the terms for receiving the bonus. 
XX/XX/XXXX : The bonus was still not reflected in my account, so I called the store manager about the lack of payment. He was going to look into it but I never heard back about a resolution XX/XX/XXXX : Went into another TD bank and spoke to a manager about the issue. She claimed no promotional mailer was sent to my address. They asked if I had a copy of the mailer but I no longer had it after opening the account 2 years ago. I believe there may be an error in their electronic system about who/where the mailers were sent to, because I definitely learned of the promotion through a mailer I received in my mailbox.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the course of th e last 4 to 5 years I have been disputing an account with Wells Fargo Bank Auto. Rece ntly I have disputed this account with all  XXXX  bureaus asking for validation/contract that bears my signature and personal information due to me have a fraud alert put on my reports  in 2013. This fraud alert was due to me finding that several cars were registered under my name in cities and states I never lived in from previous years prior to 2013, my wallet being stolen that bared me and my families ssn cards out of my house ( police repo  rt was submitted to bureaus ), and SC have a breach with the internal revenue system advising all residents to a fraud alert. Wells Fargo no the bureaus have provided me with any documents showing this account was valid and belonged to me. Please have removed immediately. From what I have seen in the last year Wells Fargo is not an accredited bank and has already been in the media for creating false accounts und er account holders names. The balance on the account shows as {$0.00} not sure if someone paid this account or not. Also this company has sent me some documents wanting me to send in the police reports but did not provide any documents showing that I had a signed contract with 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 explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, 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:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. According to 15 USC 1681, I have the right to privacy. According to 15 USC 1681s-2, 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
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:
During the month of  XXXX   2017 , I disputed a company on my credit report  XXXX   XXXX   XXXX ,  XXXX , ACCOUNT #  XXXX  I received a letter from them stating that they were submitting a request to the credit bureaus to delete all tradelines from my credit report. On  XXXX   XXXX  I faxed a written letter to Transunion as well as the letter from  XXXX   XXXX   XXXX ,  XXXX  as PROOF stating that they were deleting this account from my account. On  XXXX   XXXX , I contacted Transunion in reference to my faxed documents. I was told that they had to contact the company and it could be up to 30 days for results. I feel as though, I should n't have to wait the 30 days for the company to respond when clearly that stated in the letter that they were deleting the account. It seems as if I did n't have documentation I would understand the 30 day wait, but I have documentation from the company that was faxed to them and they also verified that they have received this information but they will not delete it.

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 2017-05-16
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:
COMPANY REFUSED TO INVESTIGATE AND REMOVE FRAUDULENT INFORMATION LISTED IN MY POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter on XX/XX/23 to experian. To remove personal Information that I don't want on my credit report. According to the F.C.R.A. 15 USC 1681 I have the right to privacy. According to F.C.R.A.15 USC 6802 NO financial institution is not allowed to share my personal Information to third party people. These are clear violations of my federally protected rights. I want my rights to be upheld.

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 2023-10-13
Company: PACIFIC PREMIER BANCORP, INC.
State: WA
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:
My husband 's mother passed away XX/XX/XXXX leaving an IRA account with Pacific Premier to be shared by her XXXX children. My XXXX  was unable to get to XXXX XXXX, WA to collect his portion. The bank manager told me that the funds would be held for him for up to XXXX years. He passed away XX/XX/XXXX without ever making the trip. I went to the XXXX WA branch on XX/XX/XXXX. I learned that the bank had issued a mandatory annual distribution check on XX/XX/XXXX in the amount of {$3700.00} and that only {$3100.00} was left of his share. I was unable to learn where the check was sent or even if it had been cashed. I'd like to know where the money went and why it was sent at all and the bank has not been able to answer my questions. I spoke to the XXXX at the XXXX branch and also called the XXXX number on XX/XX/XXXX. I was told that someone would get back to me but I haven't heard anything. I would appreciate any assistance that you can provide. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-11-02
Company: EQUIFAX, INC.
State: NY
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 have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a " welcome '' package from  Wells Fargo - here 's your information on your new account, complete with account number, debit card, application with personal data. The info states that by taking any action, including an inquiry, the account is deemed active. Tried calling Wells Fargo about this but they would not speak with us without an account number. We did not give ac count number and they hung up on us. Today, we received the PIN for the debit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Bank card ending in XXXX - payment was negotiated through Federal Debt Relief Program, paid in full and balance subject to 1099. They are claiming I owe {$6500.00}, this amount should be XXXX. Their statement on my credit report is FRAUDULENT as this account is paid in full with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i used XXXX to purchase a item from a women name XXXX XXXX i sent two transactions one trans for {$100.00} and one for {$100.00} The item that was sent to me was not the item i was suppose to receive the seller stopped contacting me I reached out to XXXX for a refund via email first and they told me my case was being reviewed after a week i called them and they would not honor because i didnt have a account with them i was just sent a invoice from them and told me i should dispute with my bank i was provided a provisional credit which was removed on XX/XX/19 when in fact i didnt not receive the correct item i didnt benefit from this sale i lost out on {$200.00} dollars and i need my money back

Company response to consumer: Closed with explanation