BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX Box XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Kramer & Frank, P.C.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A dept collection law firm, is garnishing my bank account, which I had no knowledge of an account in the process of being garnished.I believe it is identity theft or mistaken me for some one elese.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
At the end of XXXX, my XXXX XXXX XXXX, a loan I had since XX/XX/XXXX, with a fixed rate of 4.25 %, was bought by XXXX XXXX to administer. 

I did n't notice it at first but several months ago I realized my interest rate was changed to variable and now sits at 5 %. 

Furthermore, I could no longer access my XXXX account, which, having signed up for paperless accounts, meant I could no longer access my monthly statements. I have auto-debit, so I often would n't check statements, hence why I did not notice my rate change and the following. 

Shortly after I signed onto the XXXX XXXX website I say my amount due and thought, that my account balanced seemed higher than what it had been in the last year at XXXX. I requested all the information XXXX had on my old XXXX XXXX XXXX data and I finally got it. After painstakingly transferring the data into XXXX and performing all the necessary calculations ( which I can only thank my XXXX in XXXX, to be able to even go this far ) I have discovered my hunch was right. 

I have, in essence, have had one full year of payments removed from my balance ( as if, I 'm paying from the start of XXXX again ). While my loan is not large compared to others the amount is still enough to make me angry at the banking institution for their clear negligence and makes me all the more concerned for my fellow borrower who nationally carries a larger debt than I. The amount difference in question here is {$1200.00}. That is still the equivalence of one full year of payments. The current balance is {$12000.00} while the real value, using the ending balance at XXXX and what I paid to XXXX, actually is {$11000.00}. 

To be clear, in my calculations, I added the unpaid, accrued interest before my first payment six months after XX/XX/XXXX, which includes the first disbursement at XX/XX/XXXX and the second at XX/XX/XXXX. 

I have paid a total of {$11000.00} of which {$5100.00} went towards principle and {$6200.00} went towards interest. Of the total paid, {$1100.00} was above the minimum due and was selected to pay off principle ( mostly done during the first couple of years - to help reduce the loan quicker ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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: Account status incorrect

Complaint:
I have paid my debt with credit cards with the bank of XXXX XXXX  and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.

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 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.

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 2018-01-14
Company: ID Analytics, 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: Account information incorrect

Complaint:
Purchased a vehicle in XXXX 2017 and received financing thru my credit union with a fico score of XXXX. Just received a letter from XXXXXXXX XXXX informing me that I was denied the loan due to information received from XXXX XXXX XXXX. Showing my credit score as XXXX with too many delinquent accounts and limited history at this phone. I currently do not have any delinquent accounts and have had the same phone number for almost 13 years. I read a few threads on them after receiving this and do not feel comfortable calling them to dispute this. Not sure what the CFPB can do but it was recommended that I report this. Hopefully you all can shed some light about their reporting practices Thank you for your anticipated assistance. 

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 2019-07-20
Company: Bread Financial Holdings, Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.  COMENITYCAPITAL/XXXX XXXX XXXX XXXX, OH XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20
Company: Allied Collection Services, Inc. (Nevada)
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My contract with XXXX XXXX was mutually terminated in XX/XX/XXXX. That contract was paid in full, receipt was included showing a zero balance. XXXX pursued me for a remaining balance of {$140.00}, and the balance was disputed on XX/XX/XXXX. XXXX did not respond for several months, and forwarded this debt to a collection agency, which reported on my credit dated for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX USA This collection agency, did not properly notify me of this debt, nor did they disclose this debt to me within the required timeframe. Nonetheless they did report this on my credit, as such I am seeking removal of this debt immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Alliant Capital Management LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/2019 XXXX PST - agency called my husband and my employer threatening both of them and trying to obtain informaiton on my whereabouts because of " legal course of action taken against me '' ; they had advised them to let me know to contact them in the next 2 hours otherwise I will be arrested by XXXX EST. Left multiple voicemail messages on my husband 's phone following that conversation. 

Agency : Alliant Capital Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX has reported a 30 day late payment for XXXX of XXXX on my credit report. The account is always due on the 3rd of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XXXX XXXX due date using capital one 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is 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 2019-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/19 I spoke with 3 agents regarding 2 negative identity theft accounts on my report. I wanted to know why they were put into dispute opposed to deleted like the other identity theft accounts were that was on the SAME FTC report and the last agent refused to transfer me to a supervisor as she explained to me that I hadn't submitted enough PROOF that the accounts were fraud and I needed to submit more information for them to delete the accounts. When I asked what additional information is needed she stated that there are NO requirements so she couldn't tell me just I needed to submit more information. Previously I notified Experian of 5 accounts that were identity theft, 3 of them were deleted with no problem but the2 remaining, however, were not and they were ALL listed on the same FTC report, Police report and explanation letter, so I'm confused as to how 3 of the 5 meet standard for deletion but 2 do not. This has been going on sinceXX/XX/2019, when FCRA rules state once an FTC report is issued the bureaus have 3 days to delete the items. I sent inXX/XX/2019 a notarized FTC report, 3 police reports in one named the suspect, a swore letter that the accounts were fraud, however, Experian is the only company I have had a problem with removing these two accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: SUNTRUST BANKS, INC.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This was a secured credit card where i upload money to use. with unexpected fees some how i owe on a secured card and they reported this to my credit report. 

Can this error be remove from my report? I'm looking for a resident and this is affecting my move. 

Thank you

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 2018-01-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TD blocks my access to make purchases using my debit cards. They close them out whenever they feel. This would be the 5th time within 6 months. Another situation TD refuses to investigate a Regulation E application in the amount of XXXX. They have compromised my safety and integrity. I totally been humiliated over time, my concerns unmet, and suffered too many bankedforced shut down and assess to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-20
Company: CITIBANK, N.A.
State: OH
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:
I gave permission once on XX/XX/XXXX to run my credit the company ran it again on XX/XX/XXXX without my permission I want it removed from my credit report. All because I called to correct last name on my card that is not a reason to run a credit check

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 2018-01-14
Company: CREDIT CONCEPTS, INC.
State: NV
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:
My bankruptcy case # is XXXX Oder of discharge is XXXX/XXXX/XXXX Name of debt company is credit concepts out of XXXX, Oregon I filed chapter XXXX last XXXX, & everything went good, got rid of a lot of debt..I 've been doing good about building my credit score, doing everything right. 
.well today one of the accounts that I included in bankruptcy came back on my credit report today, saying account open, $ with a high balance.. 
Before, it would say. Account closed/ paid/ and that it was discharged under chapter XXXX 

I was getting close to having a XXXX credit score, & today it dropped XXXX points because of it!! 
I filed a dispute, does anyone know what else I can do?? 
Sorry this post is so long, any advice would be greatly appreciated, THANKS

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KS
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 checked XXXX XXXX today, and there are 2 Hard Inquiries made on my Credit Report from the same company on 2 different dates that I am not aware of ever submitting. the company is ONEMAIN FINANCIAL the dates are XXXX XXXX XXXX and XXXX XXXX, XXXX. 
Which has resulted in my credit score dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My email complaint to Wells Fargo summarizes my problem. 

I am trying to get my name off of XXXX of my children 's accounts. They are now all adults and no longer need / want a joint account. I live in XXXX, they live in Minnesota. 

1 ) XXXX to XXXX # I was told that we need to go to the bank together. 

2 ) XXXX the XXXX #, inform them I can not get us at the same bank at the same time. I was told they could accommodate me by going to a branch and getting paperwork started. 

3 ) XXXX-I go to the XXXX bank and was warmly greeted by a young man. I explained my need and he said they could accommodate me. They were busy and I was unable to stay because of another appointment. The young man suggested I come back Saturday. 

4 ) XXXX-I go to the XXXX branch. I was told by a young man they could not accommodate my request unless all parties were in a bank at the same time. This is not possible due to schedules. I said that differed from what I had been told, he said always call a branch, never the XXXX # and he could not help me. No empathy or care was shown. 


I need this accounts separated NOW!!!!!!

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 2019-07-20
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX there were several fraudulent charges made on my debit card. I reported the fraudulent charges to the bank and the merchants. After investigating for 10 days, the bank refused to refund the money. I appealed to the bank, providing a police report and again asking them to credit the funds back to my account. This is still pending. In the meantime, the bank informed me that they are closing my account effective XX/XX/XXXX. How will they return the funds to my account if the account has been closed? I did not request to close my account. Wells Fargo just decided to close my account. I think they should not close my account until the funds for the fraudulent charges have been credited to my account. Then we can part ways.

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 2022-08-25
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard checked my credit twice. XX/XX/XXXX and XX/XX/XXXX. I had already received a loan with them from the first check, but they then gave me another hard check. It is completely an error on their part, as they checked it under their business, Goodleap, and through another service provider that confirmed Goodleap requested the info. Goodleap refuse to take the 2nd fraudulent check off my credit report, even though it was a mistake on their end. 
Called 2nd week of XXXX, but I did not write down the date. Was told I would get a call back from " XXXX '' about what happened. Never received a call, so I called XX/XX/XXXX where I was transferred to nowhere twice. XX/XX/XXXX I called again, and was told that they thought it would be easier for me to report it and do the work of getting the fraudulent check off myself than for them to request it. They refused to even try, stating they don't have people who fix these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 



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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