BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account name : XXXX # XXXX, account name : XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX,, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX card # XXXX, Account name XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX account name XXXX XXXX  XXXX # XXXX, account name : XXXX XXXX XXXX # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 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 2017-05-03
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
credit collection is attempting to collect a debt that has been placed and discharged in  XXXX   XXXX  I have tried to dispute this matter a  million  times, and they refuse to cease reporting. They are in violation of the FCRA and I talked with a collection attorney about pressing charges. I will NOT pay for something that was already  discharged  in the bankruptcy, and this account has also been re-aged which is another offense. I have uploaded information where their are  XXXX  collection agencies reporting to my account at the same time, and out of the same city and state for the same debt. I am currently attempting to see if credit collection services and credit control services are the same business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I summer 2017 I had 2 accounts with XXXX. One in XXXX and one in XXXX. In XXXX, I rented out the house in Arkansas and cancelled internet/cable service. The final bill was XXXX which I paid via a phone call XX/XX/XXXX. In XXXX, I received notice from Diversified Consultants that the account had been turned over to them for collection. Knowing that I had paid the bill, they discovered that it had been credited to the wrong account ( XXXX ). This was on or about XX/XX/XXXX. The customer service representative took additional payment information to make account current and said that collection agency would be notified. I did not hear anything else until I was alerted to negative information on credit report. At that time, I filed protest with Diversified consultants and contacted XXXX and again made payment. They said that they would send a letter stating that the account had been paid but I contend that it was turned over to collection in error since I had paid the balance due on the account on XX/XX/XXXX. Refer to attached bank statement. I have requested that XXXX send a letter stating that account was turned over to collection in error and therefore negative information on credit report should be removed. A letter stating that the account is now paid in full is not sufficient but that is all that they are willing to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the last Few days of XXXX, I called Wells Fargo Home Mortgage to see if I could get two quotes.

The nice young salesman helped me get two quotes where I provided him my specific Taxes and Insurance per month. 

The two Loans ; XXXX at a XXXX where the payment was {$2600.00} in total including my {$1100.00} a month in Taxes and Insurance. 

or XXXX at 3.75 % @ {$2800.00} a month where I would receive about {$38000.00} with the same T & I. 

I immediately provided all documents online and agreed to the terms of the second loan. 

We went over the payments and then the salesman asked for {$570.00} credit card payment for an appraisal. He said once I do the appraisal I can't get refunded. 

Next day, I receive the XXXX and it has an estimate of my taxes and insurance some {$300.00} less a month yet a monthly payment of {$2600.00} a month. 

I immediately call up the salesman and explain that this is wrong. He checks what amounts are known in the system and agrees with my numbers. 

He winds up calling me back and saying, they 'DO this all the time, the system estimates taxes for the quote ''. I said I gave you the actual and you acknowledged that before and here after. 

The rates have gone up 1/4 point since this nonsense. 

This escalated to an underwriter and then on to the Executive team. The executive team said they would make a decision after looking at it by XX/XX/XXXX. They called me today and said they don't guarantee any estimates. Too bad and you can't get all your money back even though you did not even schedule the appraisal. 

I gave my credit card a charge back. 

Two issues here ; 1. After 2008 Wells Fargo of all players should know better. They cant be trusted to self govern their practices when they have a system that in their words " Automatically makes up a number relative to the area '' even when provided the actuals. They must be stopped.

2. I lost a significant amount of money here by their delay and fraud. 



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 monetary relief
Consumer complaint received 2015-09-17
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The automated dialer calls my phone several times through out the day. Every day. Even though I have payment arrangements with the local branch. I have asked for this to stop and it has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX  XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX inquire date of XXXX , XXXX XXXX XXXX XXXX inquire date of XXXX , XXXX XXXX XXXX XXXX inquire date of XXXX , XXXX XXXX inquire date of XXXX, XXXX XXXX inquire day of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX, the following transaction was made on my Meriwest Credit Union credit card for the amount of {$170.00} : Ref # XXXX : XXXX XXXX XXXX NY {$170.00} On XX/XX/25, I noticed the transaction was made on my account and immediately contacted Meriwest Credit Union that somebody had made this fraudulent transaction.

Initially, Meriwest reversed the transaction and credited my account, but in early XXXX, they reversed the credit on my account and charged me for the purchase, even though I had not purchased the item not received the merchandise. 

As a result, I am contacting CFPB to help correct this misunderstanding. Please see attached statement for reference. 

Thank you, 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 2022-12-21
Company: TRUIST FINANCIAL CORPORATION
State: PA
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 no acknowledgment of this account that is showing a negative impact on my 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 explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: AL
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 have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XX/XX/XXXX. I resent my FTC ID Theft affidavit, with new information attached to Discover card, both to their Office of Consumer advocacy and their credit reporting department. I sent the package via certified mail to confirm they received it. 

To date, they have refused receipt of the package because the package with the new information requires them to not post ANY information on my credit report. Since they are refusing to take the package via mail, I have to issue this complaint so they can receive it via this platform. 

This is yet another example of Discover Card 's shady and purposefully negligent actions in dealing with their gross failure in security regarding my personal information - assigning a card to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 was notified of a hard inquiry on my credit report and received a call from XXXX XXXX XXXX Department inquiring as to whether I applied for a credit card and I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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: Information belongs to someone else

Complaint:
I recently pulled my credit report and I saw several accounts that I was not aware of. I have filed a report with the FTC because know one would do anything.

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 2020-09-20
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bull City Financial is collecting on behalf of XXXX XXXX. They submitted a negative credit report even though I disputed it. They have contacted me about multiple claims, most recently in the amounts of {$550.00}, {$460.00} and {$300.00}, for medical services that I declined and they provided against my wishes. Their physician apologized to me at my  release because of their provider 's error. Bull City finally removed an old claim from my credit that I disputed for years but they are still trying to collect. 

I have tried to dispute with XXXX and with Bull City, but Bull City refuses to even acknowledge that I am trying to provide information to correct this error, and XXXX keeps trying to get me to fill out paperwork for XXXX XXXX but will not address the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Filed in bankruptcy has not been removed from credit bureau after I have already spoken to Capital One previously regarding account. 

CAPITAL ONE BANK USA- XX/XX/2010 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my credit report and I saw several accounts that I was not aware of. I have filed a report with the FTC because know one would do anything.

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 2022-09-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX data breech frad victim and agencies and companies illegally reporting negative information Negative information from fraud needs to be removed : Never late, fraud XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Condition : Paid ID fraud XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Condition : Derogatory Derogatory Balance : {$3700.00} {$3700.00} Type : Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff unkown XXXX XXXX XXXX XXXX XXXX Account # : XXXX Condition : Derogatory Balance : {$2100.00} Type : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : XX/XX/XXXX Responsibility : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted 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 2020-10-21
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I tried to use my unemployment eppicard and it got declined!! I right away checked online like I usually do to see what was going on. It did not let me log in and it kept saying suspend/fraud activity. Called costumer service about 20 times and actually stayed 5hrs in hold for someone to never answer!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt that went to collections with Credit Bureau Systems. We made a payment arrangment on the debt. I have the email to show that. I made every payment that was agreed upon. They came back after saying that the arragement was not satisfactory and I had to pay the rest of the balance. They claimed no such agreement was made. I have disputed this debt multiple times through the credit bureaus and they will not remove it. I have contacted the company directly by both phone and email and they will not remove it. It has been XXXX  years I have been disputing this debt. They refuse to take it off of my report even though they know that the arragement was made and signed because it was done electoronically. They also have the payment records to show that every agreed upon payment was made on the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian, is utilizing XXXX to misreport credit data. My credit score has recently dropped 9 points from XX/XX/2021 to XX/XX/2021. There has been no credit changes, no new inquiries, no changes in employment, earnings or other potential scenarios. Nothing in my credit profile has changed - yet my credit score continues to drop. Why.

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 2020-09-20
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have tried to make goodwill attempts to resolve account issues and I have been told false information regarding account. I was initially refused my right to change due date on account when it was current due to a job change in 2019. Which has had me in a bad position when I make payment another payment is already due. I have been making payments consistently above minimum trying to play catch up for past 4 months just to find out every payment has went to all to interest 100 % ... I have spoke with numerous departments with no resolve. I have been impacted by Covid situation and have been constantly threatened of repo even after payment made. I was told to call again when I made review on company but nothing came of it. I was told again that they hands are tied. I am aware that the vehicle I have Im paying almost double wat the worth of vehicle XXXX XXXX price and Even though Im making above minimum payments and consistently Im still upside down and company is reporting negatively on my credit report even though Im making above payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently pulled my credit report and found accounts that I didnt recognize

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