BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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  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 non-monetary relief
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I XXXX XXXX I never received my credit card in the mail and there were unauthorized transactions on my account amounting over {$3000.00} dollars over my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card in question is owned by my wife with me as authorized signatory. On Monday, XX/XX/XXXX, my wife was the victim of an extortion scam. Someone called her and told her she would be arrested unless she paid a {$2000.00} cash bail. The scam caller would not let her hang up and call me, her husband. My wife only had our Capital One credit card in her possession. They coached her to call Capital One to inquire about a cash advance on our credit card. She only agreed to the cash advance terms and conditions under duress to avoid being put into jail. She then went to a local bank to conduct the cash advance with further instructions from the scam caller. After she obtained the {$2000.00} cash she was then instructed to go to Walmart to purchase a money order to then provide the caller with the code. My wife then realized the scam and hung up the phone before purchasing the money order. We deposited the cash into our checking account and paid back the cash advance the same day the transaction posted to the credit card. I have told this story to Capital One and they are aware that the cash advance was conducted as a result of an extortion attempt with my wife as the victim. Capital One refuses to refund the cash advance fee of {$60.00} knowing we, their customers, were victims of an extortion scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Applied Data Finance, LLC
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:
In the matter of complaint # XXXX, Personify Financial presented fraudulent documentation to close the complaint. I have issued an verified Identity Theft report for which no rebuttal has been offered by Personify. If Personify maintains that my Identity Theft report is fraudulent & that their documents presented are valid, I have attached an Affadavit of Fact that will help Personify verify the validity of the documents submitted by Personify in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They are credit reporting actions have been violated several times known as title 5 of the consumer credit protection at also Violation privacy act of 1974.

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 2023-07-26
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


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 non-monetary relief
Consumer complaint received 2023-02-09
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: Credit inquiries on your report that you don't recognize

Complaint:
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX. Incorrect Names : XXXX, XXXX, XXXX ; XXXX, XXXX, L ; XXXX, XXXXXXXX XXXX XXXX requested : DELETE XXXX. Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX Remedy requested : DELETE XXXX. Incorrect Employers : XXXX XXXX XXXX XXXX  Remedy requested : DELETE XXXX Inquiries : XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Fraudulent Credit Card : XXXX XXXX : Fraudulent Utility Accounts : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022 I contacted TransUnion by live chat after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave TransUnion any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of TransUnion. TransUnion took no effort to remove all fraudulent information and improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX I got a notice that my card was declined due to low funds.. 3 hours later I got a email saying my account was negative.. so they took the money out of my account and now I'm negative {$80.00} don't have other dates but will say this is not the first time this has happened, im low income as it is. But have to pay out for fees I don't have the money for. Card endingXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-01-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just received my credit report and noticed unauthorized accounts that shouldnt be reporting on my credit profile. This has been a rough time during this pandemic times

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2019-12-25
Company: GOLDMAN SACHS BANK USA
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
GOLDMAN SACHS BANK USA advertised the new APPLE CARD and I applied. 

I used the Apple Card for several months without incident. 

I used my govt. XXXX ( XXXX ) XXXX, govt. email address XXXX, and Apple ID to register and use the Apple Card. 

I then changed federal agencies for employment, and moved from XXXX  to XXXX, XX/XX/2019. 

My XXXX XXXX required me to return the XXXX. XXXX ( XXXX ) XXXX, and also closed my email account : XXXX. 

I went two months without a cell phone as a result due to my new XXXX XXXX not providing a cell phone as it had for the past 5 years. 

I discovered that the Apple Card and Apple ID does not work " without '' an XXXX. 

There is NO WEBSITE for the Apple Card in order to update contact info. 

I called Apple and Goldman Sachs and neither could retrieve my account. 

The account was registered with my govt. email and govt. cell and wanted to only send verficiations to these contacts. 

I no longer had access to these XXXX. accounts after departing this XXXX XXXX 

Without an XXXX, XXXX XXXX and Apple would not update my contact info EVEN BY CALLING THEIR CUSTOMER SERVICE CENTER. 

They only wanted to send emails and texts to my old govt. cell and old govt. email. 

I could not check my balance nor make a payment without calling Goldman Sachs.

This caused me serious life distress as a result not being able to track my finances or update my contact information by reasonable means.

I was told by a Goldman Sachs agent that approximately 100+ other persons like me are CURRENTLY experiencing similar distress as a result of the same Apple Card issue due to moving cities.

Goldman Sachs and Apple did not think through the effect on the consumer with the credit card account only working on a cell phone, e.g. without a website. 

The only solution Goldman Sachs could provide was to close my account in XX/XX/2019 now tainting my stellar credit bureau reports after only a few months with the card. 

The Goldman Sachs account is now closed with a balance of approx. {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind in my payment because of loss of income. I'm currently 5 months behind. I been making consistently payments for the last 5 months including XX/XX/XXXX payment now that I'm back to work. 

I tried working with Select Portfolio Service Company to offer me a catch a plan that is affordable not something that is out of reach. I was offered a catch up plan in XX/XX/XXXX but it was completely out of reach they added a XXXX on top of my monthly payment loan knowing I will fail to make a payment. I contacted Select Portfolio Service to see if I can get a lower catch up plan, but was always told nothing was available. 

XX/XX/XXXX received a letter from Select Portfolio Servicing saying my account has been referred for Legal Action. I also received a letter XXXX XXXX XXXX XXXX. XX/XX/XXXX My loan in very complex because it was part of the failure of XXXX XXXX XXXX and now XXXX XXXX XXXX trustee scandal back in XXXX. I have a silent second for the $ XXXX that was tacked on to my loan. 

I was also told recently they offered me a catch p plan of XXXX dollars a month more back in XXXX but it was verbally nothing in writing. 

Can you please Contact Select Portfolio Services on behalf ask why I do not have a catch up plan that is reasonable. 


Loan # XXXX XXXX Their address is Select Portfolio Servicing XXXX Inc XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX by fax XXXX XXXX email XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Exeter Finance Corp.
State: FL
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:
XXXX XXXX XXXX is the lender, XXXX. XXXX XXXX XXXX, TX XXXX, is a preparatory lender and taking advantage me. My car was destroyed during XXXX XXXX and my insurance paid the lender the value of the car. The car was a XXXX XXXX XXXX, I paid the lender approximately {$21000.00} in payments, the insurance company paid the lender {$7600.00} for the vehicle for a total of approximately {$29000.00} for a used car which the original loan amount was {$25000.00} and the value approximately {$17000.00}. The lender states that I still owe {$12000.00}. The total payments for this vehicle would amount to approximately {$41000.00}, over {$18000.00} in interest. This is predatory. See attached payment schedule and pay quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I logged into my banking app and saw that both my checking and savings  were wiped clean to a balance of XXXX in both. I contacted my bank and was provided a phone number that they said was from a NJ Court. This morning, XX/XX/XXXX I called the number ( which was a number of a court officer not a court ) and was told that my account was placed on a lien from a debt collector, Pressler, Feld and Warshaw for an unpaid bill. I contacted the firm to ascertain what bill as I have no outstanding bills. They indicated that I owed a debt to the XXXX XXXX XXXX which I do not. Instead of them providing me with information to validate that this was owed, I was told that I needed to supply them with information to prove I paid the date for a residence that I do not reside at and have not resided at for about 2  years. I asked to have this case vacated and I was told that I deeded to dispute the account by showing bill payment records. The document number provided to me shows no results and I am getting no assistance with this matter. I contacted the court and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: ERC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC ( Enhanced Recovery Company , LLC ) is attempting to collect a debt in the amount of {$1200.00} ( Ref. Number XXXX ) from me for the creditor of XXXX   XXXX. I never spent or made any purchases in this amount through either the bank or through XXXX. I have called XXXX and confirmed that there was never a charge in this amount on my account. 

They called me at my employer and I told them I thought they were a scam and wanted more detailed information. They now sent me a letter in the mail for a collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
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:
I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed. See my disputes below : XXXX XXXX balance : XXXX and XXXX $ XXXX/Equifax {$20000.00} ; late payments : alleged late on XX/XX/XXXX is reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX XXXX has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account since XX/XX/XXXX on the first and XX/XX/XXXX on the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years! XXXX XXXX XXXX I paid on time XX/XX/XXXX and XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Am writing to formally dispute the inclusion of an account on my credit report, as it was established without my knowledge or consent, using my personal information, such as my Social Security number. The circumstances surrounding this account clearly violate consumer protection laws, and I insist on its immediate removal from my credit record.XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX : {$460.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief