BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitted a dispute with TransUnion concerning a couple collection accounts in XX/XX/2017. One was in XX/XX/XXXX and XX/XX/XXXX. One fraudulent account the company made the balance {$0.00} but left it negative. I have not been able to buy a house because of my credit score. TransUnions actions have left me with lasting damages ...

A. 1 account Was not mine B. 2 accounts were paid off, but still reporting as negative. Even though I had worked out a deal with the companies to pay off the collection amount and they would remove it from my reports. I also filed a dispute over the phone about the hits to my credit. The car dealership and XXXX XXXX pulled my credit for the same car. It should have only been 1 hit, not 2 hits.

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 2023-11-07
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Recently in XXXX of XXXX a card was opened at TJMaxx and used without my knowledge for around {$500.00}

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 2020-08-04
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: WELLS FARGO & COMPANY
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:
I have just started a new business and applied to Wells Fargo to set up a small business account. On XX/XX/2019 I was emailed pre-filled documents to sign and send back as part of the application process - I just opened the links in the document emailed to me and one of the forms has another customers information filled out including his full name, phone number, business name, EIN and SIN. 

I have reported this to Wells Fargo and they are apparently investigating. They are also looking into whether my personal details were also shared with this customer or anyone else, I am waiting on the results of the findings. 

I am very alarmed and concerned by this incident and want to report this incompetence, invasion of privacy and security risk to the authorities. 

I have also had other issues of incompetence and unprofessionalism in dealing with Wells Fargo business department and do not feel comfortable or safe banking with them. 

In order to protect and include the other customer is this report his name is 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 2023-08-18
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-21
Company: Experian Information Solutions 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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : 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 2022-12-20
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth reported me owing them {$630.00} when I never been to the facility nor do I know where its at. I contacted the financial dept XXXX but wasnt able to connect with anyone on XX/XX/2022 they reported on my credit report that I owe them I tried to dispute being the information against me isnt correct nor do I owe. I report fraud on my XXXX report and the case was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$280.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
While XXXX on XXXX XXXX in Puerto Rico, my roommate stole my laptop, cell phone, and credit cards. She access multiple accounts, including online banking, XXXX, XXXX, XXXX, XXXX, and multiple other accounts. I have contacted the banks and the website accounts via email or private messaging. Most companies were quick to recognize the abnormal purchasing pattern and locked my accounts down to prevent further use or attempted fraud. Unfortunately, XXXX does not engage in preventative measures, and allowed a stolen credit card to be used on my account to make approximately {$1900.00} in unauthorized purchases. Investigation is completed by XXXX did indicate that the charges were abnormal and likely to be fraud. Regardless of this discovery, XXXX is refusing to issue a refund because of a few minor and singular accidental purchases over the previous four years. 

Other Banks involved, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, recognize that the credit cards were being used on websites rarely visited and purchases not normally attempted. XXXX, XXXX, and XXXX also recognized that attempted purchases were outside my normal pattern. Each of these Banks and companies froze my cards and my online accounts to prevent further fraud or attempted fraud. Upon recognizing the fraud after returning from Puerto Rico, these Banks and companies were quick to resolve the issues XXXX issue re-establish my accounts. XXXX and Navy Federal Credit Union failed to recognize and prevent the fraud that was so blatantly obvious to every other company.

In addition, multiple attempts to contact Navy Federal Credit Union VIA mail has resulted in no response regarding the fraud or investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX  my XXXX was repossessed from my driveway. I was only XXXX weeks past due. I received NO mail, emails or any other notifications that my vehicle was in danger of being repossessed by Wells Fargo. 
I woke up one morning to find my vehicle missing. I called police department to report my car stolen and the police informed me my vehicle was repossessed. Had I received notice from Wells Fargo I would have immediately caught up any arrears to keep this repossession from happening. I contacted my branch of wells Fargo by telephone and was told, in effect, too late.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 XXXX XXXXXXXX Account # XXXX and XXXX XXXX XXXXXXXX Account # XXXX, have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF 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 2023-11-09
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
American car care center filed bankruptcy XX/XX/2023 XXXX weeks after leasing car. 

Was promised that windshield would be fixed. Warranty was bought in the lease to cover repairs during lease and that coverage was cancelled with no money refunded or drop in monthly payment. 

Oil changes included in lease were also cancelled. 

Lease is serviced by west lake portfolio. Eight months we made payments faithfully while waiting for them to produce title and taxes so vehicle can be registered. They can not or will not provide documentation and payment for taxes they keep saying they are working on it. They even stated that we would even have to pay for the tags and taxes over {$2000.00} but that was included in the lease.

Can not get insurance on vehicle because it is not registered to us in Tennessee.we are unable to legally drive the van. 

Account was current and we Notified XX/XX/2023 that no more payments would be made and we were voluntarily surrendering the van since they can not produce documentation and pay taxes to get vehicle registered and they need to come pick up the vehicle.

They call everyday several times a day including sundays and demand payment and threaten with legal action.

They stated the voluntary surrender of the vehicle was cancelled because we were XXXX XXXX. We have never been XXXX 

Now they state that we are now behind and they can not process the voluntary surrender until payments are caught up.

They are now stating they will begin repossession action and report it to the credit agencies unless we bring the account current.

The lease was made with American car care center but they are locked up in bankruptcy. I do not have any signed agreements with Westlake Portfolio. We have made payments to westlake because they were servicing the American car care loan per the bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The problem first started when I was scammed out of {$1500.00} in Gift cards. The scammers wanted {$7000.00} but I could only get {$1500.00} at the XXXX XXXX XXXX. I had tried for {$2000.00}, but the last card would not go through. I realized what was going on and stopped buying cards. The scammers originally said that they were from XXXX and that my account had been compromised. I immediately called XXXX and the police. The pollice made a report and I found out this XXXX that XXXX had issued a credit for {$2000.00} on the XXXX of XXXX, XXXX in the amount of {$2000.00}. On XXXX the charge of {$2000.00} appeared on my Barclays statement ( the bank had changed in late XX/XX/XXXX when AARP changed banks ). Barclays is the bank that I am now having trouble with. When I wrote them in XXXX of XXXX to get them to change the {$2000.00} to the {$1500.00} XXXX thought I owed, I eventually received the letter about the {$2000.00} credit. I have contacted Barclays twice to find out when the {$2000.00} credit would be applied and on the last call I was told that they had done all they could. As of XX/XX/XXXX they have not applied the credit and I have been and still are paying interest and in on instance a large late fee. The amount turned over to Barclays from XXXX has long since been paid in full. I just want what is owed to me. I have back up for everything.

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 2022-12-20
Company: EQUIFAX, INC.
State: KS
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 XXXX  XXXX Account # XXXX and XXXX XXXX XXXXXXXX Account # XXXX, have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Some time in XX/XX/2022 I closed my account. I specifically asked the Account specialist to verify that my card would keep the same interest rate. They said yes, which at the time was 19.99 %. So, I closed the account. It is now 25.24 % which is 5.25 % higher and has been changing month to month. I have no late payments or overdraft fees. I was under the impression that the interest would stay the same. How can they raise the rate when no new purchases were made? The customer service said they can not change the rate for me when I called on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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