BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted the four ( 4 ) main Credit Reporting Agencies and let them know that they are falsely reporting an account on my consumer report as the creditor stated in writing that they were not reporting on my report. However, they are still is claiming the report as accurate after disputing 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 2023-10-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI SOUTHWEST CREDIT SYSTEM COLLECTION XXXX XXXX Collection {$730.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to obtain my Experian credit report and credit score from a multitude of sources. I am also unable to create an Experian account online. I hear that this may be due to a split credit file, or something of the sort. Please inform Experian of this matter and have them send me my full Experian report and credit score. If possible, please have them send me instructions advising as to how to solve this issue, as well as who to contact. Thank you.

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 2023-04-07
Company: CITIBANK, N.A.
State: CO
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 am currently in XXXX XXXX for several months. I have used my Citi world elite Master Card here many times. I tried to use it today, XX/XX/XXXX to purchase airline tickets. Citi improperly denied my charges and then locked my card. 

I called them and gave all required password and security information. They told me that they have changed their verification polices and the ONLY way to reactivate the card is for me to respond to a letter sent to my US address. I explained that I would not be at that address for several months and would thus be unable to read and respond to any written communications. Citi acknowledged the problem but refused unlock the card. I asked them to find another verification procedure. They refused to show any flexibility. I have been a customer of Citi since XXXX. Citi is behaving very badly. They have left me in a very difficult position and behaved very poorly. They should be sanctioned.

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 2022-12-16
Company: WELLS FARGO & COMPANY
State: NY
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:
There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. 

These unauthorized hard credit inquires include the following XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Wells Fargo Dealer Services XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score.

Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.

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 2023-08-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I applied with BMO Alto to open a new jointly owned CD account with me as primary owner and my husband as co-owner. Their online application form required my personal information only, and stated that the co-owner will be invited to apply once the account is opened and funded. We funded the $ XXXX account via ACH, and the account officially opened on XX/XX/2023. 

On XX/XX/2023 my husband was invited via an email from BMO Alto apply for his co-ownership, which he did. Later that day he received another email stating that his ownership was denied, and that he would receive a follow-up email with more information. He is still waiting for that email. He called BMO Alto, and was informed that a co-owner can not be added to an account once it is opened and funded, which is in direct opposition to the online application process and also the opposite of what was stated in the first email he received. The customer service rep ( XXXX ) filed a complaint on my husbands behalf and was told a supervisor would call back in XXXX hours. He is still waiting for that call. 

On XX/XX/2023, I received an email from BMO Alto stating Thank you for choosing BMO Alto. We regret to inform you that we're unable to honor your request to add ( my husband ) to your account ( s ). This is to let you know that your account ( s ) will remain in your name only. Thank you for choosing BMO Alto. This is not what I wanted at all. BMO Alro took it upon themselves to change the application from a co-owned account to an account in my name only without my input or permission. I would have never allowed this had I applied for the account in person. I called the bank asking that the account be closed immediately and that our entire $ XXXX be returned without penalty, considering that the bank mishandled the account ownership. The rep I spoke with filed a complaint on my behalf and told me I would receive a follow-up call in XXXX hours. I am still waiting for that call. 

After a week went by without hearing anything from BMO Alto, I called the bank again. I reiterated my request. I was told that the account would be closed without penalty on XX/XX/2023, and that our money would be returned in its entirety within XXXX hours after the account closed. It is now XX/XX/2023. The account is still open. Our funds have not been returned. The bank has not contacted us.

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 2022-05-02
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX  Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on XXXX shows 30 days past due but the other two show that it's charged off. The high credit on Equifax shows XXXX but the other two show XXXX. The date last active is different on all three. Equifax shows XXXX, XXXX shows XXXX and XXXX shows XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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:
My full legal name is XXXX XXXX and my date of birth is XXXX : XX/XX/1957. My social security number is XXXX : XXXX. My current address is Current address : XXXX XXXX XXXX XXXX, California XXXX. I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. 
I did not receive any money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 
Enclosed is a copy of my Identity Theft Report, supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that the information you provided is the result of identity theft.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2023-02-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is allowing XXXX XXXX XXXX to furnish inaccurate information to my credit file. Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. This is a 3 month difference. The proof Im providing is directly from my credit report. Due to the reporting of inaccurate information I want the account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have some concerns about how my deceased fathers bank account at TD Bank was managed prior to his death. The TD Bank Fraud Department was informed by XXXX, who managed his IRA, that he was a victim of on-going fraud and scams. This notification was shared with the TD Bank fraud team on XX/XX/XXXX. While a customer of TD Bank, I also personally reached out to two branch managers at the TD Bank XXXX branch to alert them that my father is a victim of fraud. This did not result in any changes to their handling of his account. 

Between XX/XX/XXXX and XX/XX/XXXX, when he took his own life as a result of financial distress, I believe that TD Bank did not follow proper procedures in order to protect him and his assets. 

My father sold his home and made a large deposit of {$280000.00} into his TD Bank account on XX/XX/XXXX. On several occasions, my father walked into different branches on the same day and withdrew large amounts of cash without question. On XX/XX/XXXX, he went into a branch and withdrew {$15000.00} in cash. The very next day, on XX/XX/XXXX, he withdrew another {$15000.00} in cash. On XX/XX/XXXX, he took out another {$16000.00} in cash. On XXXX, he pulled out another {$33000.00} in cash. 

In addition, he made two large wire transfers out of his account. On XX/XX/XXXX, he wire transferred {$65000.00}. And, again on XX/XX/XXXX, he wire transferred another {$95000.00}. 

He essentially was allowed to drain his entire TD Bank account between XX/XX/XXXX and XX/XX/XXXX. As far as I can tell, there was little oversight to his suspicious transactions. He eventually took his own life on XX/XX/XXXX, stating in his suicide note that his death was a result of financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX  XXXX {$4100.00}

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 explanation
Consumer complaint received 2023-08-07
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US auto sales have sent out of business. Sold my contract to a third party debt collection agency called Westlake portfolio. My loan became a debt that negatively impacted my credit score. Not only hasnt my credit score been updated but now Im paying for warranties and gap that are not honored by the transferred party.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I called TransUnion and XXXX to inquire about about the fraudulent hard inquiries on my credit report. I requested the inquiries to be removed but was unsuccessful and have not received a response yet. I feel like Im being taken advantage and my disputes are being ignored. Also Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit 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 2023-10-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint is a follow-up from my previous CFPB complaint ( ID # : XXXX ). On XXXX XXXX, XXXX, XXXX, my current PSLF loan servicer, sent a letter that confirmed that the time I worked at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) had been approved as eligible under the employment criteria for PSLF forgiveness consideration. On XXXX XXXX, XXXX, I spoke to XXXX, a XXXX representative ( ID XXXX ), who informed me that my loans were not under a qualifying repayment status, which has barred considering my time at XXXX as eligible for forgiveness under PSLF guidelines. She informed me that my loans were listed under " unemployment deferment '' from XXXX XXXX, XXXX until XX/XX/XXXX and under " Graduate Fellowship Deferment '' from XX/XX/XXXX to XX/XX/XXXX ( note the coinciding dates between between the two ). The reason why my loans were listed under unemployment and graduate fellowship was due to corporate malfeasance and misinformation provided by Navient, my prior loan servicer. I have shared this information to the Federal Consumer Financial Protection Bureau ( CFPB ) in a prior complaint ( ID # : XXXX ). On XX/XX/XXXX, I submitted a PSLF/TEPSLF Certification & Application form to XXXX for the time I worked ( XX/XX/XXXX to XX/XX/XXXX ) at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Unfortunately, a letter sent by XXXX XXXX XXXX, dated XX/XX/XXXX, incorrectly identified my employment begin and end dates at XXXX. On XXXX XXXX, XXXX, I raised this issue with the same XXXX representative, XXXX, who alerted me that despite my meeting the 30hr minimum employment requirement, I did not meet the " full-time '' employment status that would allow for this period of time to count toward PSLF consideration. She then advised that I contact my former employer to call her office to " verbally confirm that I worked 'full-time ' at XXXX, which would be an acceptable method to approve this period to count toward PSLF forgiveness. She also suggested that I submit a PSLF reconsideration form to Federal Student Aid, which I sent on the same date. I kindly request that the CFPB insist that Federal Student Aid conduct a thorough review of my materials and consider the time I worked at XXXX ( 25 months ) and XXXX ( 7 months ), which will place me well over the 125 months of PSLF qualifying payments. I also ask that the CFPB follow up with XXXX regarding my prior complaint ( ID # : XXXX ) to halt future monthly automatic payments ( {$440.00} ) starting on XXXX XXXX, XXXX. I see no reason why I should be asked to pay for loans that would have already been eliminated by this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CNG FINANCIAL CORPORATION
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:
Due to unfortunate circumstances, I was forced to file bankruptcy. The account with check n go, is still showing as a write off/charge off on my credit report with a date of XX/XX/XXXX. However, it was included in bankruptcy. To have this account report as a write off when included in a bankruptcy is essentially a violation of the Bankruptcy Injunction and a violation of the FCRA because it is inaccurate and violates my consumer rights. 
I've been trying since XX/XX/XXXX to resolve this with the company and even though they've been sent proof of bankruptcy and proof of the discharge of debtor, they refuse to remove the account or fix the error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I saw in my public credit reports that I have a dent of {$180.00} from XXXX XXXX and I did not sign up for that at all. And I'm trying really hard to build my credit and that's definitely not helping and is stressing me out.

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