BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 XXXX XXXX remitted payment to me XXXX XXXX XXXX ( XXXX ) and my single member LLC, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) in the amount of {>= $1,000,000} ( XXXX XXXX XXXX Dollars ). The payment was received by Wells Fargo into my correct account XXXX but at an incorrect amount of {$0.00} ( XXXX Cent ), indicative that bank personnel affected an offsetting net-zero debit transaction to steal the funds and eliminate the reporting requirement for the transaction, but did an inept job of even theft leaving the telltale {$0.00}.

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 2020-07-22
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : 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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : 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 2023-06-22
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:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/2023 I received a notification that a lender ran my credit report causing a hard inquiry and my score to drop by XXXX points. At the time that this notification came through I was at my workplace and had no idea of this hard inquiry. I immediately called XXXX and submitted a dispute of this hard inquiry as I did not perform this action. I am requesting this inquiry be removed immediately and if any further action is performed on my credit report withemy consent this will be forwarded to the XXXX  and FTC identity theft.gov.

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 2020-07-22
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 is missing that should be on the report

Complaint:
Almost nothing appears on my Experian credit report resulting in a XXXX XXXX nearly XXXX points lower that I get on Equifax and Transunion. 

XXXX has confirmed that they share my account history with Experian, but yet it doesn't appear. I have been with XXXX for XXXX years, yet nothing shows on Experian. I have had home mortgages for XXXX years - yet nothing on Experian. Auto loans - nothing on Experian. 

Applied for credit recently and was denied the full amount because the company used Experian. Getting {$8000.00} in credit should have not been an issue whatsoever. 

I can not contact anyone at Experian to add/seek out the easy to find missing information. Nothing on their website allows me to get anything added. And they are not looking. What do I do????

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 non-monetary relief
Consumer complaint received 2015-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I properly disputed a judgment for an unknown medical account and Equifax refused to delete it even though I produced verification that there was no such recorded judgment. Equifax is the only credit reporting agency reporting this and they not only refused to delete but are not marking the account as disputed by consumer. 

I contacted XXXX XXXX XXXX on XXXX/XXXX/2015 and verified there was no judgment recorded in my name. On XXXX/XXXX/2015 I sent a XXXX certified formal dispute letter, with proof, to the credit reporting agencies to inform them that the judgment reporting on my report was invalid. I received replies back and the judgment was removed by all except Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: GA
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 a lot of unidentified inquires on my credit report and it is causing harm to my credit i have a lot of hard inquires and other types of inquiries. some are for XXXX, XXXX XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: MA
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:
XXXX has committed a fraudulent purchased on my credit card that i just received without even had a chance to activate. Now they send me to a dept collection bureau and damage my credit. I tried to tell them i never used the card. They refused to clear me of the dept and did not agree to clear my name off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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:
Someone stole my identity and took a loan under my name from a company that goes by the name XXXX XXXX. I have never taken any loans or done any business with this company. I have tried disputing it with them as well as the bureaus and nothing has been done.

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 2021-12-04
Company: CITIBANK, N.A.
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:
Citibank reverse credit from a defective service, I am still disputing the charge. 
I also file a complaint with Florida Department of Agriculture the department that regulate this type of business and will continue to dispute until credit is reverse. 
I send pictures of the oil leak by certified letter XXXX and return receipt XXXX merchant needs to be charge back until oil leak is resolved.

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 2020-07-22
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 fraud alerts or security freezes

Complaint:
Re : Experian - Failure to UnFreeze Credit Profile Certain state agencies, with which my office is required to regularly works now run comparative security analysis of credit cards against my Experian profile. As a matter of security, that profile is generally frozen. Over the last couple of years, after a great deal of work, I have been able to access the " freeze '' of my profile and move forward with my work. This week, I have again been required to temporarily " unfreeze '' my profile. 

Experian has made this access and removal of the freeze virtually impossible. Their website is a warren of pages seeking to sell other credit services. When one finally finds the correct page to " unfreeze '', one is walked through an extended identification process. Even with the most careful and exacting input, the process leads to a dead-end page requiring written correspondence with Experian over and a very extended date of answer/resolution. Use of the extended resolution period would destroy my office 's ability to freeze/unfreeze my Experian report and thereby use my credit card use with several state agencies. All direct contacts ( phone and email ) referenced on the page produce NO IMMEDIATE MEANS OF RESOLUTION. 

As EXPERIAN has, in its actions, created a system whereby I am denied certain credit ( even though my credit score is in the top 1 % of those in the country ). Further, they have created a system under which the " freeze/unfreeze '' consumer benefit has essentially been eliminated. They should be immediately be sanctioned and required to simplify their process. 

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 2021-12-04
Company: TrueAccord Corp.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an e-mail stating I owed a debt to XXXX XXXX XXXX which originally was a debt owed to XXXX XXXXXXXX XXXX, XXXX. account. 
I called the listed number, XXXX ( XXXX ) XXXX. I entered the fake account number listed in the e=mail, XXXX, and was notified that I owed {$6000.00}. 
The e-mail they say in the original e-mail to me to contact them is XXXX. 
Im sure I do not owe such debt. 
How do I stop them and is this on my credit report? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Monterey Financial Services LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I purchased a diamond ring from XXXX, I put down XXXX XXXX dollars on that ring and my payments were XXXX a month. I put this account on auto pay. Account number XXXX. I put this account on auto pay. I was never late for more than two years, they sent me a payment book, so on the last payment in my book I made the payment then closed out the account. A month later I recieved a cll from Monterey stating I owed them one more payment at a balloned cost to close out the account. They advised me because it was the last payment I had to pay more to close out the account. I advised them I still have the payment book in my possesion, and I did in fact make the last payment. I tried to settle this account at the payment I had before I closed the account. Monterey advised me they would not except that payment. I did not recieve anything in the mail advising me I had another payment, and I did not recieve anything in the mail about the last payment being larger than the origanal payment of XXXX. I finished paying on this account in XXXX of XXXX. I was never late and I never spoke to Monterey for overr two years until the last payment issue came up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
More than two times, TransUnion consumer relations reported adverse and misleading information to lenders I have applied for credit to. I applied for credit in XXXX between XX/XX/XXXX to XX/XX/XXXX from three different lenders and all were denied for very different, non-factual, and unrelated reasons reported by TransUnion. The first incident was disapproval for XXXX Credit Card for no credit history, then XXXX XXXX for invalid, missing credit score. An application submitted to XXXX XXXX XXXX XXXX was delayed for the reason that there were a freeze on my credit report and score on my TransUnion account, which was not true and I had never placed such actions on my credit reporting access. Each time I contacted TransUnion for these issues they stated the opposite facts. The reporting of credit from the XXXX other major credit report bureaus ( XXXX and XXXX ) were all fair and positive during the same time frame.

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: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
They made a offer for XXXX then took the car. They sold the car so how do I owe XXXX still

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Around XX/XX/2020 im notified at Santander Consumer wants me to pay them for my car payment. Remind you i was with Gateway One Lending and Finance. I wad never informed of the switched i was just told i need to submit payment to this new company. Only to find out they was in a lawsuit for adding unauthorized fees to peoples account. So now im looking at them sketchy and i dont trust Santander Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported against my expressed, written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by menthe consumer.

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 2018-02-20
Company: AES/PHEAA
State: CA
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:
I sent a email to the XXXX website trying to get my loans back into administrative forbearance again. They didn't renew. I sent a couple emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting to extend my administrative forbearance again. No response My DTR is valid, should be processed in a timely matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Collection Management Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 non-monetary relief
Consumer complaint received 2021-12-04
Company: LEXISNEXIS
State: SC
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:
XX/XX/2021, LEXISNEXIS. I mailed a letter to LEXISNEXIS asking them to provide me with proof on how they aquired information about a bankruptcy they have listed on there comsumer report in my name. I have not received any information about my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX-spring Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 2020

Company response to consumer: Closed with explanation