BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NJ
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:
AMID THE INVESTIGATIONS UPON EXPERIAN AND THEM BREAKING FEDERAL LAW AND THEIR OWN POLICY ; per looking at my report I found many accounts reported by them inaccurately. they have federally violated the law by reporting these negative accounts. 
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX -XXXX XXXXXXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX -XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

THESE NEGATIVE ACCOUNTS WERE REPORTED WITHOUT MY CONSENT AND INFRINGE UPON MY PRIVACY

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 2022-08-11
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XX/XX/2022. A loan check was sent to my parent. The parent cashed the check because she met all the criteria. In early XXXX. 2022, the finance company called me and told me that my loan was late. I told them, that I did not have a loan with them. They told yes you do. After further investigation, what I found out was they used my social security number to send a loan to my parent with the intention to commit fraud. You can't offer someone a loan using someone else 's social security number. That is fraud. I tried speaking with the representative and she was rude. She said, my parent, cased the loan and the loan is valid. What she did not say, was my parent not eligible for a loan and that they intentionally used my social security number to run that loan. 

I am a XXXX  employee and can not have a company using my social security number and listing it on my credit without my permission. The loan is being paid for by my parent, but the loan was disbursed illegally by this company with no knowledge to me or my parent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CCS Financial Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have hired a third party company called XXXX XXXX XXXX to resolve this issue with Credit Collection Services, a collection agency. When I use to live in XXXX, XXXX ; XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill was not paid after I relocated to XXXX, XXXX for new employment. Eventually the bill was sent to collection agency, XXXX XXXX XXXX. The bill was paid in full on XX/XX/XXXX and the confirmation number is # XXXX. However, the bill is still showing on my credit report with Trans-union and I would like to have this item removed from my credit report as it is showing as a negative item.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
I have submitted multiple disputes regarding these accounts that DO NOT BELONG to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT BELONG to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
amt on report is in error, its over 2 yrs old outdated, this XXXX XXXX XXXX keeps giving if to different cr reporting agencies

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 2021-02-27
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:
Hello, on XX/XX/XXXX i sent letters to XXXX, XXXX and transunion requesting unknown and unauthorized inquiries to be removed from my credit reports. XX/XX/XXXX transunion responded with a letter refusing to remove the inquires. experian and XXXX have not responded at all. 

The inquires that are fraud, unauthorized and need to be removed are : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX CARD Inquiry date : 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 explanation
Consumer complaint received 2019-10-04
Company: FIRST MIDWEST BANCORP, INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/2019, I noticed there was a link to open First Midwest Bank account online, so I went through the link, filled all my information and submitted my application. A week later, I noticed my account was open and I had the online access to manage my account, so I used the ACH system to transfer my money to my new account. Everything looks good. However, two days later, I noticed I lose my access for online account and my debit card as well. Then I checked with the bank. They mentioned they need more documentation to open the account and activate it, and requested my to mail several documentations to certain location. I didn't feel safe to mail my personal info, so I refused to do that and requested to close my account and send me my money back. But they didn't allow me to do that. They don't allow me to close the account and didn't want to send me money back. Tried several numbers to fix it, but still can not. Right now, I still receive the statement from the bank, but I lose all the access to this account, even for my own money.

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 2019-05-10
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had this Discover credit card since XXXX and have never made a late payment. I paid the card off the card XX/XX/XXXX I came into some money and paid off all my cards.I had some credit issues on or about XXXX but have not paid late on anything since. I'm disputing some 2 medical bills that should have been paid by my health insurance that I know about. I feel discriminated because I was never contacted by anyone to tell me what I should have done to avoid having this {$500.00} credit limit card closed. Please advise on this matter so that I understand why I was treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: KEYCORP
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a cash app account with Square many years ago, and someone sent me a payment to it, but I have not been able to open the account. After providing copies of my id and other steps as requested, the company stopped responding to COUNTLESS emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: FC HoldCo LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX and began financing with XXXX XXXX. I refinanced the loan shortly after with Car Finance who was then acquired by XXXX XXXX XXXX XXXX c/o Flagship Credit Acceptance . 

Once I began to learn and discover the truth about consumer law I realized I was taken advantage of by XXXX XXXX XXXX XXXX XXXX XXXX 

I attempted to rescind my car contract with Flagship Credit Acceptance which in turn they reported the loan as charged off. They then proceeded to repossess the vehicle after I made SEVERAL attempts to communicate with them and even requested a payoff amount letter so I can handle the balance. They refused to send me the payoff letter. Not only were my rights violated, Flagship Credit Acceptance wrongfully repossessed my vehicle. XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX have been XXXX to deal with.

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 2023-02-10
Company: EQUIFAX, INC.
State: DE
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: AZ
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 Accounts that are in negative standing that are currently listed on my credit report, 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

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 2021-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have obtained the letter from XXXX XXXX. Please see attached letter. 
I need the 3 credit bureaus to correct XX/XX/2021 Hard Inquiry to a soft inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On or about XX/XX/XXXX, I received a notice dated XX/XX/XXXX about an account ( # ending in that I never requested nor applied for from TD Bank. The notice stated there was a beginning balance of {$0.00} and a {$5.00} payment transferred on XX/XX/XXXX to " XXXX and an account # -- ending in XXXX. The body of the letter stated that an overdraft fee of {$0.00} was assessed. The day prior to this, I had received credit cards ( 2 ) from this company which I already destroyed not knowing what was to come. The next day, I received a batch of checks. I tried calling this company the first day and got nowhere. They said they were transferring me to a fraud department but the calls went dead after a few minutes of being on hold. After that, I called numbers that I found online rather than from the papers they sent me. The bank itself appears to be legitimate but they have done nothing to help me. They have made no move stop this and " close '' the account. They have not verified the account. At one point, I called XXXX XXXX, the company who prints the checks that I know to be a legitmate company. I was promised that they would call this bank and inform them that I had declined the checks. This resulted in somone answering my next phone call but the bank representative merely stated that I should destroy everything and the account would be closed. 

On XX/XX/XXXX, TD Bank sent me another notice for a DIFFERENT account ( # ending in XXXX -- for which see above ). This one states that the account is overdrawn and that I owe {$35.00}. On XX/XX/XXXX, TD Bank sent yet another notice for this second account that I must deposit {$65.00} in order to clear the overdraft and avoid any additional fees. During my most recent call to them ( today ), I was told only to call XXXX and XXXX. Again TD Bank is not taking ownership of nor helping to resolve an issue that is theirs, but is happy to refer me to the companies who may be receiving bad reports from them about me. This is beyond lunacy. 

Several things to note : 1 ) I have never heard of TD Bank before this. 
2 ) TD Bank will NOT have a signature card on file for me as I never applied for any account through them EVER. 
3 ) The checks list a phone number that I have not had for over 10 years. 
4 ) One of my acquaintances has begun to receive the same type of documents from TD Bank! 

I am NOT uploading files at this time but would be happy to do so if they are needed by an agent of the Consumer Finance Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
never had account with these people and can not show me an contract that i sign but reporting to credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2019-10-04
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Contacted Comenity Bank numerous times regarding a mycash master card application. Was constantly transferred from department to department, dealt with rude reps and poor customer service. I spoke to management who was also unable to provide any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Debt Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have an important message from debt Recovery Solutions. This call is from a debt collector. Please call XXXX XXXX. That number again is XXXX  XXXX. Thank you. 

Date XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: GA
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 disputed a collection account on my credit file with all three ( 3 ) major credit bureaus and also submitted the requested information to the debt collection agency per their request and the negative account still incorrectly remains on my credit files.

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 2019-10-02
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I closed my 401k  account with Goldman Sachs as I was XXXX XXXX XXXX XXXX. I decided to take a lump sum distribution in the amount of $ XXXX and GS processed this on XX/XX/XXXX. I have been working with them for over one month to try and obtain the funds. Initially, they told me it would take about 3-4 business days for the ACH to be processed and received by my financial institution ( XXXX ). However, by mid XXXX I still had not received any funds. After calling Goldman Sachs back to check on the status of the transfer, I was told it had rejected and they had automatically issued a check, however this went to an incorrect address. I had them update the address on XX/XX/XXXX, and stop and reissue a new check. As of XXXX, I still have not received any check. I requested another ACH or wire transfer and was told that wasnt standard procedure, but they would look into it. I am at a loss, I needed this money for a financial emergency and Ive been waiting for over a month to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, State Zip : XXXX, Il XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Cloarly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Crodit Reporting Act.

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 2022-12-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regarding Wells Fargo Small Business account checking. 
Wells Fargo is charging me these fees for an unknown service that I did not sign up for. 
I called in and the initial representative thought they were from a 3rd party.

A 2nd representative found they were from a " treasury services '' department in Wells Fargo but he had no info on the charges himself. 
In the treasury department under a service called XXXX  ( something I did sign up for about that time but did not see any info in that contract not had anything explained to me about client analysis fees ), after long research time on the phone Wells Fargo XXXX XXXX told me they also had no info what these charges were for. 
They refereed me to my 'relationship manager ' XXXX XXXX XXXX 
I have informed Wells Fargo before that XXXX XXXX when I called her told me she was not my relationship manager, the system was defaulting to her because she was the branch manager, but she just changed positions out of there and was not longer the that branch manger and was in fact not my relationship manager. 
Wells Fargo suggested course of action was to send an email to my relationship manager XXXX XXXX, but to date I have not heard a reply from that and doubt that I will. I beleive Wells Fargo Small Business is charging me for a service that I did not sign up for, is irrelevant to my company situation that is not actually providing a service, and can not provide me any info about it or how to stop it or get it refunded. 
Lastly, I as overdrawn this month by an amount similar to these unexpected fees which has caused additional fees, problems paying my other debts/financing and general issues with cash flow management impact on my business, and maintaining my credit score. 

I have recordings off all the calls and a copy of the email available on request. 

Fees charged to date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
random inquires popping up from 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