BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I paid XXXX XXXX {$190.00} for my first months premium on a new Marketplace policy. XXXX claimed I never paid this amount, although I sent them my bank statement as proof of payment. They proceeded to cancel my insurance and refused to refund my money. I contacted Wells Fargo Bank and disputed the transaction and was told that since I initiated the payment they could not refund my money. This seems ridiculous and should not be allowed to happen. I have all of my documentation to prove that a : I paid the premium and b : XXXX cancelled my policy.

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 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE CONTACTED THIS COMPNAY WEEKLY ABOUT FALSE INFORMATION BEING ON MY CREDIT REPORT AND THEY HAVE DONE NOTHING!!! EVERY TIME I CALL THEM THEY CLAIM THEY HAVE PUT THINGS IN DISPUTE BUT THE WHEN I CALL BACK DAYS LATER I AM TOLD THAT THEY PREVIOUS REP LIED AND THINGS HAVE NOT BEEN PUT IN DISPUTE. I CONTACTED ALL OF THE COMPANIES LISTED UNDER MY INQUIRIES AND WAS TOLD THAT THEY HAVE NEVER RECEIVED ANY INFORMATION FROM TRANSUNION. I WAS ALSO TOLD THAT BECAUSE THEY WERE FRAUD ACCOUNTS THAT TRANSUNION SHOULD HAVE DELETED THEM IMMEDIATELY! THIS COMPANY HAS DONE NOTHING!! THEY HAVE A XXXX XXXX ACCOUNT ON M CREDIT REPORT THAT I WAS LISTED AS AN AUTHORIZED USER ON ... .THAT ACCOUNT HAS BEEN TERMINATED AND THEY STILL HAVE IT LISTED ON MY CREDT REPORT!!! I CONTACTED XXXX  XXXX AND THEY ASKED ME WHY WAS IT EVEN ON MY TRANSUNION REPORT!! I DISPUTED IT AND CONTACTED XXXX  XXXX AGAIN!!!! AND THEY INFORMED ME THAT THEY HAVE NOT HEARD FROM TRANSUNION!! SO THIS IS LISTED AS A NEGATIVE ON MY CREDIT REPORT AND IT SHOULD NOT EVEN BE ON MY CREDIT REPORT!!! THIS COMPANY HAS XXXX YEAR OLD STUDENT LOANS ON MY CREDIT REPORT AND I HAVE TRIED TO BE NICE AND WORK WITH THEM BUT THEY JUST GIVE DIFFERENT ANSWERS AND LIES!!

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 2022-09-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX went to purchase XXXX Truck from XXXX XXXX XXXX XXXX, TN. Advised Finance Mgr to obtain financing from personal bank XXXX XXXX XXXX XXXX. Finance Mgr advised XXXX XXXX XXXX was not answering inquiry and they had reached out to other financial institutes for approval. XXXX XXXX XXXX later answered and approved financing for the truck. Now, XX/XX/XXXX, one year later my credit score drops XXXX points!!!?? 
Shortly thereafter purchasing the truck I went to XXXX XXXX XXXX with a handful of mailed notices I had received for denied financing and spoke with the Finance Mgr on duty. I was advised not to worry about the notices they would not affect my credit score. One year later, I see that is not the truth! I am in very good standing in all other areas with credit reporting. I want my credit score reinstated back to what it was XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One says I missed 4 payments in a row I'm telling them my credit report I only missed two payments. XXXX I sent a payment it shows on my other capital one card. 
If you look at the Chart I uploaded of my credit profile. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late. XXXX is 60 days which would have been 90 days late, and XXXX is 90 days late which should have been 120 days late. My monthly balance is showing inaccurate balances, The date open is wrong, my high credit is reporting wrong, Credit limit XXXX  has XXXX limit??, Last reported all dates are displaying different. Date last active is off by a year. And last but not least Date of last payment have 3 different dates. This account is not reporting accurate at all please remove from my credit profile or fix the inaccurate information ( All so I would like a complete print out of my payment history I am requesting it once again and they will not send it all they do is update dispute is resolved. 
This account XXXX is totally reporting inaccurate on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I submitted a credit dispute regarding account XXXX to all three Credit Bureaus. However, the results I received indicated that the account had been charged off as bad debt. This contradicts the previous information on my credit report, which stated that the debt had been included in my bankruptcy and should have been removed. The Credit Bureaus inaccurately updated the information to reflect the account as charged off as bad debt on my new report. 

Furthermore, XXXX indicated that the account was charged off in my bankruptcy but still showed on-time payments. I have not received proper verification or documentation from the Credit Bureaus to substantiate their findings in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 standards.

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 2022-09-04
Company: Experian Information Solutions 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:
Experian consumer reporting agency is reporting Inquires on my consumer report that I did not Authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FICO- XX/XX/2022 XXXX XXXX XX/XX/202XXXX 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 2021-09-23
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XXXX I contacted Amex to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. 
They said my account would be updated and I would see the lowered payment and begin in XXXX. 
That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. 
They agreed on a recorded line and made notes according to the agent. 

Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. 

I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. 
Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. 

I am now employed and will pay the card off but need Amex to remove the info as agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: ID
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:
Equifax had a security breach that resulted in my personal information being at risk. I am very worried about my information and am now trying to setup a fraud alert, and Equifax is down for maintenance? This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 n ftc and affidavit That was after attempting to contact Transunion more than XXXX XXXX transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-03-09
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an unauthorized purchase made on my Discover credit card in XX/XX/2019. I always pay my statements in full. I did not realize there was a fraudulent charge until I was getting my tax information together. The charge was {$1100.00} for a seminar in California. I live in SC and I have never traveled to California nor has my husband. 
My husband was using the card to buy materials for his XXXXXXXX XXXX at the time of the unauthorized purchase. I did not look at my statement at the time and paid the card off in full. As soon as I discovered the charge, I contacted Discover card and they credited my account. Two months later, Discover card added the charge back. I have tried talking to the fraud department many times and they will not dismiss the charge. 
They act like I'm lying about it. I have no reason to attend a seminar nor does my husband. Discover card is trying to sue me for someone else 's fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax collected personal information on me such as my social security number and credit information in an unsafe way, and now it has been determined that due to a massive hack, criminals have access to my information. I also never authorized Equifax, or any other credit reporting agency, to collect or distribute any information about me at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you, nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company Fair Collections & O XXXX XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.

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 2021-09-23
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/2020, XXXX XXXX  XXXX XXXX account was hacked for a second time. Their choice was to close my account. I then continued to get emails in XX/XX/2020 saying I owed XXXX XXXX XXXX {$1500.00}. I followed this up with many phone calls to XXXX XXXX XXXX where they advised they would resolve the issue because I did not owe them any money, they closed my account! I suppose there is still an issue because now I can not open any other accounts anywhere else.

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 2021-01-12
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020 and on XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CT
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
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:
Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : MEDICAL ) 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 2022-08-08
Company: Westlake Services, LLC
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello, this is a new and updated dispute regarding Westlake Financial Services. 

I have attempted to dispute this account through the CFPB several times in the last XXXX years and Westlake Financial Services is negligently marking my disputes as duplicates or changing the type of account to credit card or mortgage. 

THIS IS AN AUTO DEBT/AUTO LOAN nothing more. 

This is my last dispute before seeking litigation. 

I have taken the time to look over the original contract I received for this transaction along with documents that Westlake sent as validation over the last XXXX years and I am aware that the signatures on the original contract and the alleged validation contract is not the same. 

I also noticed information in the original contract that I was never disclosed of such as the GAP insurance, the truth in lending disclosure as well. I was never aware of the total purchase price of this vehicle and I know I entered into a fraudulent transaction. 

Not only was this transaction fraudulent but I also have phone record of Westlake Financial Services harassing me by skip tracing my number, calling multiple times, I even moved to a different state and changed my number because they were harassing me so much in the year of XXXX. 

I am requesting that WESTLAKE completely remove this account from all reporting agencies and from furnishing this information to any other sources. 

This is no longer a warning. I am also seeking damages due to Westlake tarnishing my reputation and ruining my life. I have not being able to extend credit due to them and I know longer trust the credit process. I have lost my job because of them harassing me at my job, as well.

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 2017-09-08
Company: EQUIFAX, 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:
I read about the Equifax Data Breach on XX/XX/2017. 
I checked my info with the equifax breach site to see if i was impacted ( I " may have been. " ). 
I followed steps outlined at ftc.gov to contact the reporting agencies and put a fraud alert on my file, which should require anyone initiating a new line of credit to call me before doing so. 
I followed the instructions to get my free annual credit reports to review and ensure nothing out of the ordinary ( nothing yet ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act Convergent accounts number XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent

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