BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I feel I have been taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. 
This has caused me financial injury and this is call defamation of character. This inacurate reporting has stop me from employment opportunities. 
Do to this law braking reporting I have been denied sba loans as well as new 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 2019-11-15
Company: Nationwide Debt Reduction Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have an issue with an Automobile company and as a result my financial situation took a turn for the worst, so I tried this company Nationwide Debt Reduction Services ( NDRS ) and this Debt Consolidation company was supposed to help me pay down my debt and try to restore some of my credit whiles I figure out my next step. I paid this company for over a year and a half to resolve my debt but, when I asked for some form of receipt showing that the debts were being paid off I was met with hostility or no response. I tried to reach out to several departments within this organization in order to obtain pertinent information that I could furnish to the credit card companies and also, to upload to the dispute department for credit scores to show that certain debts were paid off, to no avail my money was stolen by this company with no remorse and to date I have no proof of any debt being paid. It does not reflect on my credit score that any of these debts were paid off and by debts I mean 6 in total were supposed to be paid but I have nothing except my bank statements to show that the money 's were being deducted from my account by this company.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX i submitted disputes to XXXX for reporting the wrong addresses on my credit profile, I've Called and sent letters on XXXX XXXX to have these items updated and they are still reporting in accurate information on my credit report. They are also reporting misspelled names.

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 2021-07-02
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
U.S collection West, inc is trying to collect a debt that I do not owe. They are trying to collect {$1700.00} as of XXXX XXXX. They believe that I owe money to XXXX XXXX XXXX in the year from XXXX, however I never lived in those apartments.I have information stating where I live in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SUNRISE CREDIT SERVICES, INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sunrise Credit Services has falsely flagged an amount due of {$1800.00} on my credit reports on behalf of XXXX XXXX XXXX XXXX. 
The same scam was attempted earlier this year by another credit agency on behalf of XXXX XXXX XXXX too. That was dismissed. 
I called Sunrise and they were not able to provide any detail about the fictitious charge nor did they have appropriate contact details. 
The scams by XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX entities should be addressed by CFPB as they are extremely upsetting and time consuming to deal with. Of course there is also the interim hit to credit ratings while one works to clear up the false charges. 
Please also know that I do not currently have any XXXX XXXX XXXX products/services nor have I had any for the past two decades. Furthermore, I will never again even consider XXXX XXXX XXXX given this on-going harassment.

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX 15 U. S.C 1681 section ( A ) States I have the right to privacy 15 U.S.C section 602 ( A ) also States a consumer reporting agency can not furnish a account without my written instruction.

15 U. S. C. 1681 ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of convictions of crimes which antedates the 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 2021-02-02
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2020 SLS Mortgage, charged off my second mortgage with no explanation. Resulting in me dropping 38 points on my credit score. Which also shows me now having a charge off in my report as well as my wife 's report. A Charge off is not a good look when you are preparing for future purchases lower interest rates, home improvement loans, car loans. It shows that you are a credit risk. After some research. Sls is notorious for doing scams on consumers. I will not be there latest victim. 
My account shows that I was current. So i don't have anything to attach.

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 2018-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It started when someone asked me to use XXXX through wells Fargo, they asked me to send money to them this happen in XXXX it was for a sum of XXXX now wells Fargo said they can not refund my money it was fraud, they allow people to open accounts with no papers and then go into overdraft, I have tried to resolve this, they say they can not help me, I want my money back, plus I had another instance XXXX they will not reimburse this is bad on their part they are supposed to help customers with problems and scam not go against them and not refund money, this is a bad practice they are allowing illegal people to scam people then open accounts take your money then the bank can not refund you, this is wrong, I want someone to handle this, I just had XXXX lost money and this is the way the bank treats customers

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 2018-01-12
Company: Navient Solutions, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Good Afternoon, I have a private loan with Navient called the Bar Study. I requested instructions on how to make extra payments towards the principal amount. I received instructions on how to accomplish this task. I paid extra according to their instructions and when I reviewed my account the money went solely to interest. I again emailed them and then was told that I could not may payments with special instructions to the principal amount. I believe Navient is purposely trying to keep customers from paying off their loans early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I, XXXX XXXX, entered into a consumer credit transaction with, lending club and XXXX bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which lending club and XXXX Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports. I asked for signed documents and any validated documents they have and failed to provide. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.If you were able to conduct a proper investigation of the records for this account send all documents as i believe this is fraud on my credit report. these accounts are not 100 % accurate they reporting late payments. reporting without my consent these accounts are in huge violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: AL
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:
Creditor : XXXX XXXX  Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I have been contacting this company since XXXX of 2023 for a payoff letter.in addition to the original.contract/ lease agreement. I have been hung up on and transferred from one department to another. This was not my original leasing company so my fear is that they do not have this information and refuse to just say that. I was making payments for several.months thinking I was purchasing this vehicle as agreed upon with my original leasing company only.to be told that this agreement no longer is being honored with westlake portfolio managers ( the new leasing company ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Ability Recovery Services, LLC
State: FL
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:
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

ABILITY RECOVERY SER Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$820.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: FL
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:
This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0.

THE XXXX XXXX XXXX XXXX {$0.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: IL
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/2023 my phone and card was lost and a total of {$230.00} was charged to my card. Wells Fargo denied my claim because whomever stole my info replied Y to the fraud text. I told my bank my phone was stolen as well and no action to help me was taken.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I sent a debt validation letter to the creditor XXXX. The creditor reported 2 accounts with different amounts on the credit reports. However one account got deleted but the other account is been under dispute until XX/XX/XXXX, the company has reported false information violations 15USC 1681 to the credit bureaus to have it on file till XX/XX/XXXX, which is a violation under the federal law. The company is required by federal law to verify that information is mine and is correct in 30 days and not more. 
As of today is XXXX XXXX Account XXXX XXXX {$560.00}

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
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

THE XXXX  XXXX XXXX XXXX {$0.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had bough a car on XX/XX/XXXX, at 16 % interest, at that time because my credit was just good. Bank had denied me refinance or fix my higher interes 16.00 % on a used car XXXX XXXX XXXX XXXX, when I got this loan, bank offer me to refinance in 6 or 12 months after the purchase to lower the interes 16 %. I did it, and they denied it twice on XX/XX/XXXX, and XX/XX/XXXX. And  over that, had been requesting refund for all of the insurance money they had been charging me by ADDING AN Insurance that my car didnt need it, and they did it with out my concent to it. I had been trying to call Several times but they keep me on the phone skipping me from one to other person transferring to wrong depar till they hand up or some times they make false promises telling me they will fix the problem and they will contact me. But they never had done it till now. they had been making me pay for car colisin insurance, since XX/XX/XXXX till todays date. However, my loan is still almost same amount that I refinance since I got the car, I had revising the statement and they all have changes on quantity. Also, on XX/XX/XXXX they close my 401k account because they said it finish by itself. Please need an investigation now with all these issues on this car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was the victim of fraud with Comenity Capital Bank/ XXXX XXXX XXXX XXXX They signed me up for a mortgage which I had no knowledge of and now its on my credit report. I never received any credit from them and didnt even realize I had an account with them until I checked my credit report more thoroughly. 

The information below is what was in my credit report, I have no idea of the account number or any other details because I never even knew that I had an account. 

Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type MORTGAGE Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed 11 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$1000.00} High Credit {$0.00} Available Credit {$1000.00} Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency Comments and Contact

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This complaint surrounds Chase Bank. I received notice roughly 3 days after opening a checking account with a {$380.00} cash deposit. I do not revollect the exact day of XXXX, 2022, however I believe between the 3rd and the 7th maybe? Anyway, the best part of the transaction was opening it with XXXX XXXX He and I spoke about many things while going through the motions of opening the account. A few days later I walked into the same branch in XXXX, Wisconsin to inquire about home loans. He abruptly informed me that your account was closed due to fraud. I had no idea what he was talking about and after a brief conversation I shook his hand and left in disbelief. The next day I called and told him I think I knew why. While living in Arizona, I had a chase checking account where I deposited a check for {$12000.00} for the sale of my boat. Not long after that deposit my account was not accessible. I went into the Chase Branch in XXXX, Arizona to ask why and I was eventually told that the check I deposited was fraudulent from a couple of days before. Unknowingly, and using my checking account while staying in XXXX XXXX, Wisconsin with a friend and looking for a place to live. I eventually withdrew my remaining balance and opened another account at another institution closer to housing I had found in northern Wisconsin. Upon closure of that Chase Account in XXXX XXXX the people there were very nice and said I was welcome back anytime at Chase. Then I get this news from Chase in XXXX that my account was closed due to fraudulent activity on an earlier account in Arizona. I then called XXXX and attemently explained that was not my fault. All I did was deposit a cashiers check that I had no idea was fraudulent and now I am just as guilty as the perpetrators. I have my reasons for wondering why Chase acted in this capacity, but one thing is for certain, something stinks to high heaven. Ultimately, I want the name of the individual ( s ) responsible for this embarrassing and unwarranted reaction to something that was absolutely not my fault, and Chase in XXXX Arizona opened up another account for me right away and for being a vetersn.. In closing, I am absolutely asking for the name ( s ) of the people responsible for all of this upheavel.if this instruction is not folliwef by Chase XXXX, they can expect any and all legal boundsrues used against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Security Credit Services, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not have any idea about this collection that was stated on my credit reports for {$650.00}. I never received letter or any other items from them and I do not even know what this is for or who it is for.

Company response to consumer: Closed with explanation