BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
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: Public record information inaccurate

Complaint:
Just edit the way you see fit. This the mumble jumble I wrote below. 

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX, Inquiry from XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2020-01-25
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to the dentist on XX/XX/XXXX. I was told that my treatment would be {$6000.00}. I applied for a medical loan through Lending Club ( XXXX XXXX XXXX ). I was approved for {$6000.00} at {$500.00} per month with a 0 % APR. Subsequently on XX/XX/XXXX I went back to the dentist and the amount of my treatment changed to {$7200.00}. I reapplied for an increase and was approved by Lending Club ( XXXX XXXX XXXX  ) for {$7200.00}, {$180.00} a month at 17.90 % APR. My dentist sent back the {$6000.00} to Lending Club ( XXXX XXXX XXXX  ).  Lending Club continues to send mw statements that do not reflect the new terms of my new loan of {$7200.00} with a payment of {$180.00}. I have a statement showing that they XXXX XXXX XXXX has added both loans together totaling {$12000.00} ( original purchase amount ). I have sent to them numerous times the new contract and repeatedly called them to ask for assistance in correcting and have had no success. My fear is that my credit is being destroyed for their mistake as I will not pay until corrected. Even as I submit this complaint today XX/XX/XXXX I received a collections call from XXXX @ Lending Club asking for the payment on {$12000.00}. XXXX confirmed that he sees notes about my complaint and does not know why it was not updated. I told XXXX that I had no other option but to file a CFPB complaint in hopes to get resolution. He then transferred me to Customer Service and my call was dropped. I need resolution as I am a good paying citizen and I do not wish to have my credit damaged.When they call they continue to ask for amounts over {$500.00}??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I contact XXXX Customer Care Center via phone call to discuss a problem I was having with my daughter 's XXXX  music account. I was ask a series of questions in order to verify my account, Per The Customer Service Rep. I complied not thinking I was giving my information to someone other than XXXX Care Center. After a few questions I became a bit suspicious of the types of questions I was being ask. At this time I began to shut down our conversation because I became more suspicious, but too late. They had already distracted my information. I immediately contact Wells Fargo Bank only to learn that monies have already been removed from my bank account in the total amount of {$1200.00}. At no time nor was it ever my intentions to charge {$1200.00}. At no time until it was too late that I knew I was talking to a scam person. Wells Fargo denied my claim because as they stated I gave and authorized this charge. NOT TRUE. I was conned out of my information and Never was it my intentions to purchase anything or have any money remove from my account. It was my intentions only to solve the problem with my daughter 's XXXX play account. I never Authorized The Removal Of The Money that Wells Fargo Bank claims I did.

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 2022-01-17
Company: ARS National Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ARS XXXX  have called both myself and my spouse regarding a debt collection for a debt that is not ours and threatening legal action if we dont respond. When I call they are looking for a person with the same first and last name, but different DOB and SSN. I I tell them my info and ask how I can get them to stop calling, they hang up. 

Calling 1-2 times daily. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  etc They also call using a spoofing device to make it appear from a local number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: U.S. BANCORP
State: IL
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:
Each month, Elan Financial is reporting inaccurate credit card balances to the credit reporting agencies. These inaccuracies are preventing me from obtaining credit. 

Ive reached out to Elan about this issue and they told me that the inaccurate / incorrect balances reported, are mistakes of the Credit reporting agencies : XXXX, XXXX and XXXX. ( The reported credit card balances are the same for each agency. ) Ive reached out to each credit agency, and each one stated that Elan sends over this information electronically and thats where the account balances come from. My credit card statements have been closing between the 4th and 7th day of each month. Based on my credit reports, Elan has been reporting my balances to the credit agencies on the last day of the month. This month, however, they reported my balance on the 14th of the month, and they reported a higher balance than what my credit card statement says for XX/XX/2022. The balances owed, per my credit card statements, are not the same balances reported to the credit agencies, nor are the balances being updated on a systematic or consistent basis. These inaccuracies need to stop as they are negatively affecting my credit and my ability to obtain credit.

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 2023-08-11
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:
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. 

XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX 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 ) person shall not furnish any information relating to 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 2023-10-09
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
CBM didn't apply payments to accounts as agreed. CBM took payments on accounts, that the original detour also took payments. CBM failed to report accurate statement balances to the original debt holder and notify the original detour of accounts paid in full. CBM failed to supply accurate account information as requested. CBM failed to reply to requests of validation and verification of debts. They threaten to sue if payments are not made. CBM has not updated there collections to the original detour. There representatives are rude and hangup on you. CBM failed to work with the amount owed, and insisted on full balances being made. CBM has increased the amounts owed, that don't correspond to the current accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Reporting company used your report improperly

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE

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 2022-10-18
Company: EQUIFAX, INC.
State: CA
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:
Dear Sir or Madam : I am writing to dispute the following information in my file. The item in dispute also are highlighted on the attached copy of the report I received. 
XXXX XXXX # XXXX is inaccurate because 3 bureaus are reporting 3 different high balances and also on the date of my last activity 3 bureaus are reporting 3 different dates as well ..... I am requesting that the item be deleted off my credit report due to Inaccurate reporting .... 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of 2023 I received an email from Huntington bank stating if I opened a new perks checking account I would receive a $ XXXX dollar incentive ( depending on a few factors ) after setting up direct deposit. I was an existing account holder but did not have a perks account. I opened the account, set up direct deposit and never got the credit. I reached out to the branch on XX/XX/XXXX at XXXX and spoke to the banker who informed me my account definitely qualified and I would be getting the credit but not until 90 days after I set up direct deposit. I reached back out on XX/XX/XXXX as this is the date gave to me by the banker for the date I was getting my credit. I reached out at XXXX and was informed that I should be getting it any day and he had confirmed I definitely qualified. I reached back out on XX/XX/XXXX at XXXX and he informed me he was wrong on the date and I should be getting it the first week of XXXX. I called back on XX/XX/XXXX and he told me sometimes there is a day or two of delay and this was why I did not get it. At this time I felt I was being lied to or mislead and I reached out to the call center. After hours of being transferred back and forth and 2 more people advising me I DO qualify and that I would be getting it any day, I felt like the agents were guessing answers. I asked for management. Management again told me I qualified but they couldn't give me exact dates so I asked for someone higher up. When I spoke to someone higher up I was advised I NEVER qualified because I had a previous account ( even though i received the offer to my email that the existing account is under ) I disputed this as I had been told now at least 6 times I qualify. She said she was filing a compliant within the bank for the misinformation and I would get a call back. I never did. I called back on XX/XX/XXXX ( to the call center ) as I did not hear anything and I was told NOTHING was opened and no escalation took place. The agent I spoke to told me she was opening a complaint, gave me a reference number XXXX stating the customer advocacy team was going to handle my concern and I would be called back in 3 days. I got no call so I called back on XX/XX/XXXX and was told there was " nothing they could do '' and because the branch gave me wrong info I needed to call them. I called them on on XX/XX/XXXX and was told the banker who lied to me for months was " new '' and that was the excuse for the wrong info. I then was told he would escalate to his superior and received a call back 3 days later to be informed they couldn't help me. This is gross disregard for my time, breaking banking laws by lying to me and wrong for a business to do. I had transactions bounce and my account is now negative due to the lies I was told

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, 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 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
This is not accurate. 
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 2023-02-24
Company: Experian Information Solutions 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 status incorrect

Complaint:
It has come to my attention that although I have written several letters asking for audit trails and requesting my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be updated immediately on my credit report as it is in violation to the following federal constitutional laws 15 USC 1666. I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts to report anything other than PAID IN FULL : SATISFACTORY. My points dropped significantly because of the coding & them not having permissible purpose to report inaccurate information. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

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 2022-08-26
Company: EQUIFAX, INC.
State: MO
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 3rd CFPB complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I complain to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information 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. UnXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation