BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I gave XXXX XXXX XXXX permission to run a credit report in order for me to finance a used vehicle. 

On XX/XX/2023, XXXX XXXX XXXX made XXXX unauthorized hard inquires to bank to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  apparently to get me a better rate.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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've submitted numerous complaints about TransUnion reporting a bankruptcy on my credit report. On their website, they state that they verify the information thru XXXX XXXX. I obtain a copy of my credit report from XXXX XXXX and there isn't any such information. Im writing the CFPB so that they will intervene because no proof have been provided. Transunion sends out a written statement stating that the info has been verified without any written proof. PLEASE provide the necessary proof so that I can investigate the company that is providing inaccurate information. On XX/XX/XXXX, the CFPB sent me a letter indicating that I'm paying for credit repair services. I AM NOT. Everyday, I research information on how to dispute inaccurate info. I would like for Transunion to be honest and stop reporting inaccurate info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions 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:
According to CFPB Ref No : XXXX and XXXX, XXXX sent a request to delete the hard inquiries, dated XXXX XXXX, 2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XXXX XXXX, 2020, Experian still reports falsify information about these hard inquiries.

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 2021-11-28
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/2021, I've used The Wells Fargo credit card on a car rental while I travelled to XXXX. The rental company was at the airport, with no prior reservation. I was told a certain price, late-night arriving a long flight and I agreed, my main concern would have been the security deposit, for which this company XXXX Rental CaXXXX asked for XXXX Euro deposit. I've picked up the car, SIGN THE RENTAL CONTRACT and give my Wells Fargo credit card. 
XXXX days after, I've checked my statement online, my card was charged a huge amount ( {$4100.00} ), so I've called the rental office and I was told that was a misunderstanding between us, the amount told was referring actually/month, I needed the car for XXXX days. When I ask the price for XXXX days, the rental agent/owner told me XXXXEuro with XXXXeuro deposit. He agreed to take the car back. 
Dropping off the car on XX/XX/2021, I was very nervous because that can not ever happen when I request a quote, and I was told that my credit card would be credited the rest of unused days = XXXX days. He said that I will receive an email with my bill. 
As of today, that car rental never returned a penny, I disputed XXXX with Wells Fargo and both times I was denied. Spoke to the executive dept, the same answer. Last week I've closed the account with them, there is no way for me to pay that amount for XXXX days of rental, XXXX closed the XXXX claims while I was abroad they would send everything thru the mail, by the time I could talk to someone in regard to my claim, my claim would be closed because of certain days limit. I've tried very hard to talk to Wells Fargo/many times they don't care and want to keep me responsible for something that I have not used. The rental agency rented the car under my eyes to another person because it was a busy time of the year. 
I don t know what to do to resolve this dispute and no have my credit affected. 
I feel that I am a victim of that car rental and Wells Fargo, never gave me the chance to appeal, keeping me responsible for a huge amount that I can not pay it. I had to rent another car while I was there because I need it, I have proof of that. The only reason I've returned the car was the fact that I was lied about the cost and overcharged. While I was in XXXX I did fill a police report and consumer report to help me out, when I sent it to Wells Fargo they ignore it because was in a foreign language!! I am including in my docs THE XXXX REVIEW answer from the rental company to my complaint. I need help on resolving this dispute, I feel really a victim in using a credit card abroad with no help from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My phone rang at XXXX XXXX with a number that i did not recognize. I did not answer and sent the number to voicemail. Again at XXXX my phone rang again with the same number ( XXXX XXXX ). I answered, thinking that it was an emergency, and it was a collection call from Global Radius Solutions. They were attempting to collect a debt and informed me that the call was being recorded. I asked to speak to a supervisor and was placed on hold. When the supervisor answered i informed him that calling back to back was harassment. The supervisor continued collection activity, and would not acknowledge the company 's wrongdoing. I informed him of my lawyer 's phone number ( incorrect number given on accident ). He eventually acknowledged my complaint and stated that i would not be contacted again. I called back again to give the correct phone number for my lawyer and was recorded in doing so.

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 2019-11-11
Company: EQUIFAX, INC.
State: MN
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:
Inquires on my credit report that I did not do or authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Remitly, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I am an XXXX XXXX XXXX XXXX veteran, XXXX by XXXX currently providing XXXX XXXX and XXXX XXXX  to clients in part as a volunteer. As a result of my XXXX I work with XXXX XXXX to make up in productivity and performance what I have lost in part due to my XXXX. I have paid XXXX XXXX for more than 5 years through online compensation systems, including XXXX, XXXX XXXX, XXXX, and more recently Remitly. In the past 3 months, all of my financial transactions sending funds to the XXXX have been declined allegedly for security reasons while I am doing the same thing I have done for the last several years except a modest change in address in which all parties have been notified. I find this extremely challenging as well as frustrating especially when the entities with whom I interact at all of the above-referenced locations indicate that it is the US Government who requires them to conduct business in a certain manner, requires specific personal information about all parties including relationships, ways of meeting, personal or other interaction, services rendered, amounts and frequency paid, tax ID information and social security information relative to me and my business, dates of births and entity formation dates, number of entity associates, number of foreign associates/XXXX XXXX n the payroll, number of locations, my personal, physical location at time of money transfer and many other questions which seemed for the most part very intrusive and certainly if they were being asked by a local financial institution, would have been considered a violation of my rights to privacy among several other infractions which I would consider appropriate as part of this rather challenging process. Please help me to understand where the privacy line crosses national security or any other barrier when I am compelled to give to foreign nationals the same information to which I am told I have the right to remain private and further, why a notable law abiding US Citizen who held a secret clearance and understand something about national security or anyone else to do legal business in this arena and through the above mentioned entities would be subjected to this type of inquisition without being given a reasonable explanation in writing or some other recognized media other than being advised over the telephone by representatives of the above entities that the US government compelled receipt of the said information in order to transfer a fund by wire to an individual or entity outside of the US but more specifically the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX, who represents XXXX XXXX XXXX, has called my mother and work several times within the past week to collect on a debt. I understand that some of the debt is mine, however, I have disputed charges on one payment. My co-worker had explained that XXXX XXXX, at extension XXXX, was rude. Also, a XXXX called and was rude. They are harassing and threatening to call more if payments are n't made. I was forced to make a payment today. I paid the minimum, however, they pressured me to make a higher payment. Please look into this. The number they are calling from is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: AMERICAN EXPRESS COMPANY
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 is missing that should be on the report

Complaint:
A credit card company, take a payment XX/XX/2019, on my account ending in XXXX.and never sent a paid statement for that month and never up dated that account with the credit bureau 's when I called and ask why, the only information given was no we did not send and up date for may XX/XX/2019.this is  missing information that should be in my credit reports this is so wrong, for me to pay my account and get no credit for it.and no statement to show I paid, my bank is the only place that shows this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: TX
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:
In XX/XX/XXXX, I paid off the balance owed to Chase Freedom Acct # - XXXX. Due to the fees charged to my account, they did not show a XXXX balance until XX/XX/XXXX. I disposed of the cards and never used account again. I continued to get offers from the company which I disposed of them as well. In XX/XX/XXXX, I began to receive calls from a collection agency to which I explained that this account had been paid off since XX/XX/XXXX. The collection agency tried to contact Chase and did not receive response. In XX/XX/XXXX, another collection agency contacted me and I told them the same thing. In XX/XX/XXXX, I wrote Chase a letter stating all facts and they responded by sending 75 envelopes all with the same exact pages in them. In XX/XX/XXXX, I was able to reach a representative from Chase and was on the phone for a long period of time because Chase changed the account number and they could not locate account. I was then informed about charges using XXXX to XXXX, XXXX all within a 4 day span. I do not have a XXXX account and did not make these charges. Chase Freedom continues to report negative on my credit reports. Chase needs to correct these fraudulent charges and show a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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

15 U.S.C 1681 Section 604 A Section 2 :
It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2018-05-17
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
XX/XX/2018, I contacted the credit card company American Express to complain about a payment of XXXX had been sent to the wrong location. The credit card company told me that they could not cancel the payment I would have to contact the bank. The bank ( XXXX XXXX ) refused to cancel the payment. I even went to two branches in my local area and they still refused to do anything to assist with the situation. American Express even deducted funds from the payment of XXXX that they were not supposed to have received. I contacted American Express XX/XX/2018, and I was advised by ( XXXX ) that a check would be mailed next business day. American Express still has not processed the check and are still deducting funds from the payment they were not supposed to receive despite the fact that I have complained several times about the situation. 




P.S. I have also had an issue with American Express accepting payments but not updating credit balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from AVIO Credit XXXX in XXXX, Kansas. The account went to a collection agency, XXXX XXXX XXXX XXXX, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX  and placed a security alert on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: MO
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:
These following two accounts are not mines due to the fact that the orginal contract was cancelled immediately after the orginal creditor cancelled it. I do not have a contractual obligation with, ( 1 ) XXXX XXXX XXXX, and these dates I have no knowledge ofXX/XX/XXXX,XX/XX/XXXX, {$130.00}, {$350.00},, and in accordance with the FCRA law I'm requesting physical documentation of the above accounts, if not these accounts shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were recently transferred from a previous service provider in order to facilitate the XXXX   XXXX. The date of transfer ( according to the previous provider ... since XXXX never contacted me during the process until after it was done ) was the day after my loan payment due date. I, of course, made my payment on time. When they finally showed as transferred and I set up my account online, my account showed as several weeks delinquent and my payment for this upcoming month as double ( which I can't afford ). I called immediately and submitted a request to reflect the previous payment on my account. Several days later, this has still not been fixed and my payment due date is looming closer. I have called again and submitted requests online to be contacted confirming that it is fixed. The people on the phone are seemingly helpful but also oblivious and I have yet to be contacted based on my online email requests. To be blunt, this is ridiculous and sure as heck not a good first impression. During my very fist call about this I was informed that this is a common problem. Two issues with that statement : 1 ) If it is so common, why is it taking so long to fix, and 2 ) If people know about it, why hasn't something been done to prevent it from occurring in the first  place. I will now be expecting both that the original problem is fixed, but also an apology with assurance that no issues will be handled like this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: GA
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:
ON XX/XX/2022 AN FRAUDULENT LOAN WAS OPENED WITH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HAS THE ACCOUNT WHICH HAS REINSERTED XXXX XXXX ON MY EXPERIAN CONSUMER REPORT THIS ACCOUNT IS NOT MY ACCOUNT I DID NOT PROVIDE WRITTEN PERMISSION ATTACHED IS A LETTER FROM XXXX XXXX XXXX XXXX REGARDING THE REQUEST TO CLOSE THE ACCOUNT AND IT TO BE DELETED FROM MY CONSUMER 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 2018-05-17
Company: WELLS FARGO & COMPANY
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:
I have already contacted Wells Fargo and XXXX XXXX a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )

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 2022-08-05
Company: EQUIFAX, 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:
I have attached an FTC report with inquires I did not authorize

Company response to consumer: Closed with explanation