BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I have been a co-signer for my granddaughters student loans. All loans have been with Wells Fargo. This year we again applied for her final year loan of {$8000.00}. I am a preferred customer of Wells Fargo, I have substantial monies on deposit with Wells Fargo. I have no debt and own two homes. Wells Fargo 's student loans are not required to be paid until after the student graduates. This is a " perk '' advertised by Wells Fargo. 
In previous years I was provided discounts based upon my preferred customer status and high credit scores. This year we were initially quoted a loan in excess of 10 %. In previous years our loans have been in the 4-5 % range. When questioned Wells Fargo stated it was because of my credit score and my granddaughter 's credit score. This was quite a shock because neither myself or my granddaughter had any new financial transactions except this years student loan. Wells Fargo always uses XXXX  as the reporting company for their loans. This is done because XXXX is always 40-50 points lower than the other two reporting companies. I believe there is a relationship between Wells Fargo and XXXX to produce lower credit scores so that Wells Fargo can charge higher interest rates. Wells Fargo always orders a credit score from XXXX. XXXX lowers the credit score because of Wells Fargo 's inquiry and then Wells Fargo uses the lower score to justify a higher interest rate. Wells Fargo and XXXX  does this even though Wells Fargo 's student loans are not required to be paid until after the student graduates. The borrower is penalized because no money has been paid on the student loans even though no money was required to be paid. Neither myself or my granddaughter had any " negative '' changes during the past year to our credit other than the student loan with Wells Fargo. After complaining our student loan was reduced to 6.24 %. However, when we were provided the papers to sign the loan was shown at 7.24 %. After complaining about the increase the loan papers reflected the 6.24 as promised. Wells Fargo manipulates the credit score to get a higher interest rate. The student loan rates is not reflective of the possibility of default. In our case it does not reflect a co signer, no debt other than Wells Fargo student loans, which are not in default or required to be paid until graduation, the borrowers inability to get relief from the debt by bankruptcy, or the rate Wells Fargo is charged to borrow money from the Fed. The credit score is fictitious because no credit reporting company will disclose how they take a persons credit information and come up with the individual credit score that is assigned. A person with no debt and significant assets will receive a lower score than a person with significant debt and no assets.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 2019-11-25
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2022-08-10
Company: Experian Information Solutions Inc.
State: NV
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:
Re : XXXX Account number XXXX .... 
XXXX Account number XXXX XXXX. 
XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX XXXX. 
XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX  XXXX Account number XXXX .... 
XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX I was the victim of identity theft. I disputed the fraudulent accounts on all three ( 3 ) credit bureaus XXXX, XXXX, and Experian. I discovered that all three ( 3 ) bureaus had different information about my identity such as the wrong date of birth and multiple social security numbers. I subsequently sent in copies of my social security card, my drivers license, and my birth certificate to correct the personal information. XXXX responded and did an internal investigation and found that my credit profile was mixed with other individuals and removed all the fraudulent accounts. XXXX followed with all but two ( 2 ) accounts, but they have now been deleted as well. Experian has done nothing and continues to do nothing, even after multiple calls and fraud reports sent in, they still continue to deny me a thorough investigation into the matter, or proof thereof. Experian has left the verification process with the furnisher to determine if the accounts are valid. Experian has continuously violated my rights under the Fair Credit Reporting Act and I would like them sanctioned. All three ( 3 ) credit bureaus had the wrong date of birth, and multiple addresses that did not belong to me. XXXX and XXXX took action and removed the fraudulent accounts accordingly, whereas Experian states these accounts are verified and have refused me access as to how they verified these accounts. How can Experian verify debts that do not belong to me?

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 2023-10-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello in XX/XX/XXXX at around XXXX XXXX, I stopped and used the drive through atm with US Bank at their branch location on XXXX XXXX here in XXXX, CA to deposit {$30.00} for an upcoming bill. The machine malfunctioned and kept my {$30.00} without depositing it. The receipt that printed says an error has occurred and it was not able to deposit the items or return them. 

I called the customer service number when I got to work and was told they could not contact the branch and it could take up to 10 business days for a credit and up to 45 days to resolve this. I called the branch on my break and after 7 times, someone finally answered. I explained what happened, asked them to balance the atm and I was told no. That I have to call their customer service number. I called again today XX/XX/XXXX and still no provisional credit. 

I have been in banking for 12 years and when I was a teller on the front line, when a depositor had an issue with the atm like this, we took care of it that day. As a depositor I put my faith in this financial institution to handle a deposit without issue. I trust that if I deposit money to pay a bill, that money will be available to me. Absurd to tell a depositor they have to wait 10 business days for a provisional credit. Creditors dont take excuses for payment. They are playing a dangerous game with peoples money that you need to be aware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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:
A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX  Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as EXPERIAN and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-04-12
Company: SANTANDER HOLDINGS USA, INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am writing in regard to my line ( s ) of credit with Santander Bank. The first issue is why I received the approval in the first place. I was only earning {$100000.00} and had zero assets and the bank approved me for two lines of credit totaling {$50000.00} in my 20s. I now believe this to be predatory lending. 

In addition, I have had many issues making payments. I went into the bank with my parents and we paid {$15000.00} toward the loan with the {$15000.00} balance. The bank then immediately closed this account- later claiming I requested the closure - damaging my credit. This was not a request I made at any point to close the account. 

Then a few weeks later they closed the second line of credit with {$25000.00} owed and charged it off. This account now sits in their internal collections office- where they collect the payments + interest and penalties. 

Please note I also have a credit card and a third line of credit with them. Santander then proceeded to shut off my access to online banking making it impossible to see the balances of any of the accounts online or to set up auto-pay. 

I have made payment arrangements- for the first few years, they had one group that collected a lump payment from me that Santander Bank applied across multiple accounts. Then without any indication that had changed, they split this up into different payment groups. I continued making my payments assuming they were being slipt up. There were not so Santander Bank on top of all of this caused me to have 12 late payment marks on my credit in spite of the money I was paying them.

This bank has single-handedly destroyed my credit and my life. They should be held accountable.

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 2023-05-05
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a letter from Self Financial inc on XX/XX/2023 kinda explaining what they report as inaccurate information to the XXXX major credit bureaus. In the letter it says that they acknowledge that inaccurate and incomplete information is being reported by self financial on purpose after i have flagged their errors that are harming me by reporting false and misleading information about me. I have also asked for real documentation on this issue they refuse to furnish any document that can backup their claim. I have not heard back at all from Self financial Inc . Please help me? I pointed out the FCRA Law specifically.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681s-2 ( a ) ( ( 1 ) ( B ) ( i ) ( ii ) 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.

( 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 explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX and XXXXXX/XX/XXXX pulled my credit twice without my authorization. 
my attempts to contact them to have the hard pulls taken off have failed. 
i now have some of my personal information stolen on the dark web. 
i dont know if it was because of them or something else. 
but the credit pulls, i want taken off. i did not authorize that. 
the phone numbers listed for XXXX and XXXX XX/XX/XXXXon Experian are XXXX and XXXX. 
i did a scan with XXXX XXXX from XXXX and XXXX and found out my personal info has been stolen. i also called XX/XX/XXXX about this and they sent me to XXXX which i didnt know is in XXXX, because of the language barrier and understanding, they werent able to help me to find out who stole my information. I use XXXX, XXXX, XXXX, XXXX, and my place of employment got ransomware attacked, so i have no idea where the theft occured and what to do. no one can help. this all didnt start until XXXX and XX/XX/XXXX XX/XX/XXXX pulled my credit without me authorizing it. I have received 2 robocalls since then threatening my arrest and for me to leave work immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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: 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

NOTICE : Experian, XXXX, and XXXX are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their XXXX  ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY 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 2023-10-24
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This account was supposed to have been closed in XX/XX/XXXX by my ex husband. I never knew of this credit card until we filed divorce in XX/XX/XXXX, at this time I learned there was an account in my name although I never opened this nor even held the credit cards. XXXX XXXX,, my ex husband opened this account and also added himself to this account as a secondary user. Since we were divorcing, he paid all final balances and it was settled and supposed to have been closed after divorce. I called in XX/XX/XXXX when I learned he reopened the account and asked for cards to be mailed to an address I have never lived at. I immediately called and told FNBO we are divorced, NO accounts should be opened in my name, NO cards should be sent out and confirmed there were NO accounts. I was told NO, and tthis was recorded. A few days later, my ex called and said he wanted ANOTHER address on file and asked for cards to be mailed there. The fact that i called and said we were DIVORCED and there should be NO cards in my name was disregarded and cards were mailed out to MY name but not my address, nor was I notified. My ex husband proceeded to use these new cards and I called SEVERAL times to remove myself, had him fill out release of responsibility forms and he even called and stated he wanted to transfer them to his name solely. I went to XXXX XXXX and informed them of this as well. FNBO had me pay a balance of {$670.00} and told me as long as I paid that balance and his account was up to date, that they could file the paperwork to remove me. I have spoken to fraud and several departments and have failed to get myself removed from this fraudelent account. I told the agent XX/XX/XXXX that we were divorced and that I was making sure NO more accounts were opened and I wanted all closed, so there should have NEVER been cards mailed on multiple occasions to my EX husband. I have spent hours upon hours trying to get this resolved since this was fraud yet FNBO refuses to remove me even though they have on recording and paper that he takes responsibility for this account he opened without my knowledge and fraudently.

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 2023-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first 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 an 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 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 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 response to consumer: Closed with non-monetary relief