BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a secured credit card account with Wells Fargo in XX/XX/2009. I was told that my account would be periodically reviewed and that if my account history was good for one year, my secured account would be graduated to an unsecured account, and my {$1000.00} secured deposit would be returned to me. I have had a good credit history with them since the account was opened, with the exception of the events described below, but my account remains secured and Wells Fargo still has my money. I have never had a problem qualifying for credit since XX/XX/2009, but I think Wells Fargo will never graduate my account. I do not want to simply close the account, because in doing so, I will be closing my oldest credit account, which will adversely impact my credit score. I would like my money back, however, and for Wells Fargo to honor our agreement. 

I have tried contacting Wells Fargo about my graduation status, but apparently the review procedure for secured accounts is a secretive and/or completely randomized process that nobody in the entire company understands or can disclose. I have been contacting them for at least three years trying to make some headway, but I haven't been able to make any progress. 

I also think this may be retaliatory in nature. When I opened the account, the teller who assisted me was uninformed and created a situation. He took my secured deposit, opened a savings account with the deposit, and set up my credit card for autopay from the savings account. I expressed my concern that I didn't think I could use the security to pay the monthly statement, but he assured me that I could. Two to three months later, my card was declined, and I followed up with the branch, discovering that my card had been shut off for failure to make a payment. It was then that I discovered that I had been correct about the security deposit, as Wells Fargo had withdrawn the entirety of the deposit shortly after the account was opened, and the automatic payments were being drawn from an empty account. I was upset with the branch, demanded that they refund the overdraft fees and close the savings account, which they obliged. Because I closed their account, I think they are refusing to graduate my credit card and refund my secured deposit.

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 2020-10-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX i have a account with Toyota financial services for about 3 years have not had any issues till I XXXX  my XXXX  due to XXXX called to get assistance such as a extension never had requested this on my loan before tried as much to cover it but for XX/XX/XXXX payment i called Toyota financial to request extension by the end of XXXX XXXX recall exact date requested a one month extension I clearly specified to representative I only needed one extension for XXXX payment. I get a letter stated next payment due XX/XX/XXXX .I never authorized that so today XX/XX/XXXX go online to make my car payment and my next payment says XX/XX/XXXX never authorized this and would like you guys to look on what is this company is doing. I called today and was told by representative my extension could not be reversed after explaining what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Accurate Background
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern : In XX/XX/XXXX of this year, a friend of mine suggested that I take a short trip to the local XXXX XXXX  retail location, and talk with his " friend '' about a part time employment opportunity. Right then and there we got in the car, arrived at the location in XXXX, CA, and I met with the manager " friend '' We like one another, he then asked me to come back for a " short interview '' and about three days later I did just that. We spoke for a matter of minutes, and we mutually decided that this was a go. At that time, I went to a computer as provided in the store, and completed a quick questionnaire, that was obviously going to lead to a background check. 
Since I have a license to XXXX XXXX with the XXXX, as well as the California Department of XXXX XXXX, both of which performed extensive background checks prior to enabling me to qualify for and receive the licenses, I saw no problem with the background check as requested by XXXX XXXX  ... and provided by a firm by the name of Accurate Background. Before I go any further, I would like to add that every time ( such is sometimes necessary in this industry ) I changed XXXX companies/employers, they also pulled background checks. Each and every time, there was never a problem. 

Unfortunately, after applying for this part time position ( a position that I would still like to have as a supplement to my income ) Accurate Background supplied a background check to my employer to be, and the data contained ( including but not limited to my DATE OF BIRTH were grossly INaccurate. 

In essence, the report that they supplied was so far from reality, that I can easily understand why XXXX XXXX ( after several weeks ) decided that they wanted nothing to do with me. As an example, I had a dui almost 8 years ago, no injuries, an unfortunate event. However, they reported me as doing XXXX  time for some 300 plus days ... I did not spend one day in XXXX. Naturally your average individual who reviews a background check and sees that this person ( allegedly/incorrectly ) spent nearly a YEAR IN XXXX, must have done something very bad. 

As I stated via the click throughs, I have attempted to get clarity with Accurate Background all to no avail, other than the fact that they corrected my birthdate! 

I had what I and the manager thought was a turn key opportunity to make some money, realize a ( albeit nominal ) benefit package ) however, because of a highly erroneous report, I was denied employment. 

Lastly, my concern ( s ) go further than just this specific lost opportunity, I am also concerned about the ( probable? ) collateral damage this report may have / may cause going forward. 

Thank you in advance for your consideration! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: FC HoldCo LLC
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:
I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX  veteran who is XXXX   XXXX  the list is from XXXX  XX/XX/2018 XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX   XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XX/XX/18 XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX  list XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18

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 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX  veteran who is XXXX   XXXX  the list is from XXXX  XX/XX/2018 COAF XX/XX/18 COAF XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX   XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XX/XX/18 XXXX  XX/XX/18 XXXX XXXX  XX/XX/18 XXXX  XX/XX/18 AND XX/XX/18 XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX  list XXXX XXXX XXXX XXXX  XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a ping from XXXX XXXX stating that I have a derogatory item placed on all three credit reports. The collection agency, XXXX XXXX XXXX, reported this debt. I called them and was told that have documentation with my signature. I requested to see the documentation and the signature block states Signature on File. I was then told that there was another collector who dropped this pursuit. I disputed with all three bureaus and XXXX  has already corrected my credit report. XXXX, however kept this illegal item. I request that XXXX  provide proof of my signature. I believe that my signature was forged that is reason that I have not received any documents with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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:
FOLLOW SUIT LETTER To Whom this may concern : I recently challenged the validity of XXXX account that's being reported on my recent credit report. Upon challenged this, XXXX XXXX DELETED the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verify the same account. It is my understanding the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

Best Regards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: USCB, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 

Furthermore, Sec. XXXX. UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( XXXX ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to XXXX and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both XXXX  and Transunion. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a right to privacy.

15 U.S.C. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.

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 2018-07-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested VALIDATION of debt from Santander Consumer USA via  letter. Letter was sent XX/XX/2018. Letter was received by Santander Consumer USA on XX/XX/2018. Tracking is attached. In response to my letter, Santander Consumer USA sent numerous documents but not one of them VALIDATED the debt in question. i have asked for agreements that granted them the ability to report negatively on my credit report and agreements that bear the signature on a binding contract, factual documentation and records. None of these requested documents have been provided. This debt reporting to my credit file is hurting me substantially and has cause me to be denied by several banks. I would like to have this issue resolved by having this derogatory and offensive account removed from my credit file with all 3 credit bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have called many times to have my hard inquires looked at. I have so many on to list! I have stated to remove all that werent linked to an account on my credit file and it still wasnt done. As I should mention I am single never married. I had a man on my credit file with me and was recently deleted. My date of birth was incorrect an My spelling of my name, Which all was taken care of please review my inquires hard an soft as if none are connected to an exisiting account I need them removed as I have rights an would like to finally have some help fixing my credit with what this man has done. 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A. 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 furnisha account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the follwoing items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been dealing with Experian, online, correcting misspellings, wrong phone # 's, etc. I have tried several times to get a phone # removed, to no avail. The # is XXXX. I do not even know how this appeared on my credit. Also, my past employer was spelled very wrong, and in trying to get it corrected, they actually removed it. Now I have no employment history. I have been trying to get them to spell my past employer as XXXX XXXX, Lead Teller. Please help me to get my info corrected on my credit report. 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 non-monetary relief