BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Theres address listed I never lived there and also incorrect addressTHE ONLY ADDRESS SHOULD BE ON MY CREDIT FILE IS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl 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 2019-03-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have three overdraft fees for XX/XX/2019. I made a deposit to cover the overdraft fees in cash on the next business. According to Wells Fargo they will waive those fees in this situation. 

The bank refused to assist me

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 2021-01-27
Company: Capital Accounts, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was approved for Capitol One card, but the approval process requires a nyc Drivers license. I have offered them amedicadcard. Which they. Would not accept. How ever I had a card from when I ivedd in XXXX nd can prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: MECHANICS BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My father and I went to XXXX XXXX XXXX on XX/XX/XXXX to trade in my XXXX XXXX for a XXXX XXXX XXXX. We told our salesman as well as the sales manager, XXXX that we were starting a new business and this vehicle is for the business. We made it clear to them that we were using my fathers credit and my income in order to try and secure the loan. They ensured us that wouldn't be a problem. During the financing process XXXX explained to us that we were going to receive a call from XXXX XXXX for a phone interview. He told us we need to lie to the interviewer and tell them the truck is only for my father. We told the banker that this was going to be a company vehicle and we explained to him the same situation we explained to XXXX. We did not secure the loan from XXXX XXXX. XXXX told us that he had us approved by another lender. We signed all of the paperwork, cleaned out our car and left with the new truck. Two days later XXXX called and told us that the new lender was calling for an interview. This was obviously confusing because we had already signed and been in our new truck. He told us that we made exceptions with the bank and we wouldn't need to verify our income through documentation but we needed to lie to the bank and tell them that my father made {$4400.00} in cash as well as $ XXXX  monthly in Social Security benefits. All of this was untrue and we made it crystal clear to them that my father had no income. When XXXX with XXXX XXXX called we explained to him the situation and told him that the XXXX dealership was asking us to lie to him about our income and we refused to do so. We have been called by the dealership a couple of times since that interview. We told them that we would only be speaking to them through text or email since they have proven themselves to be untrustworthy. After being extremely rude and confrontational with my father they then told us they are repossessing the truck and letting our bank know where they could pick up the XXXX and have refused any further communication with us. We have been attempting to contact XXXX with XXXX XXXX to get an update on the loan status. We have left several messages with him over the past few days and have not heard back from him nor anyone else from the bank. We have reached out to our bank to let them know the situation on the XXXX ( We are showing to be late on that payment and it is damaging our credit history ). All the while, XXXX XXXX XXXX is advertising my traded in XXXX for sale. We have been left completely in the dark on this entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Selene Finance LP
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XX/XX/XXXX my husband and I short saled our house. We have not received the XXXX to do our taxes. I have emailed and my husband called on XX/XX/XXXX about this matter. I called today XX/XX/XXXX and was told by customer service that we will get it by XX/XX/XXXX We found out that our credit reports were all messed up because of Selene Financial. We could not get another loan and I could not get a job because of this. I am still trying to find a job. We have all documentation for credit reports to prove that Selene contacted and put addresses that we never lived at. I still have a lawyer on my credit report that should not be there.We should have received our XXXX in XXXX. They had plenty of time to do this. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: ALLY FINANCIAL INC.
State: OH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from 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 explanation
Consumer complaint received 2021-02-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XXXX, XXXX, XXXX  XXXX XXXX received in the mail a letter that USBank. The Letter enclosed with a card named reliacard on it. Suspicious of the card we did some research. The reason for our suspicion was that there was never a bank account opened at USBank by XXXX XXXX. When doing research for the reliacard as well it explained online that the card wad for those that submitted for unemployment benefits.  XXXX XXXX also did not apply for any such benefits as he is XXXX  XXXX. We figured this was fraud and this video on XXXX from a news report in XXXX for XXXX is just like ours. XXXX  : XXXX In the article and video the lady who is a victim explains very much of what is going on with XXXX XXXX , in that this card has come out of no where, and that XXXX lives in a state ( California ) that does not even provide those benefits. We want to make sure this does not effect XXXX XXXX credit and other statuses with the IRS as we believe someone has taken their identification. We need help as soon as possible dealing with this matter. We already headed to USBank in person but they explained they are only the bank part of this, the government is who issues the card.

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 2018-03-05
Company: EQUIFAX, INC.
State: MA
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 is the 6th attempt to contact Equifax, and my 2nd complaint with the CFPB regarding misleading, incorrect information on my credit report and I have become emotionally stressed by the fact that Equifax isnt reasonably investigating and fixing this matter. This process has caused me time, stress and opportunities. According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX ( Account : XXXX ), XXXX XXXX ( Account:XXXX ) and XXXX XXXX  XXXX XXXX be reinvestigated and deleted from my credit report. On XX/XX/2018, you stated in writing that you had investigated the accounts and that they had come back as verified. How? I did not receive a contract with my original signature on it, or any binding agreement that would authorize XXXX, XXXX XXXX or XXXX XXXX to report information under my name and social security number. In fact, this is my 6th request for a contract bearing my signature to be provided from me, by way of the companies in question. 

Let me be clear. I am requesting that a contract or written agreement with my signature on it be furnished by XXXX, XXXX XXXX and XXXX XXXX within 15 days. If a written contract with my signature on it is not furnished within 15 days then I demand that these accounts be deleted from my credit report. By not providing me with a signed written contract, Equifax, XXXX, XXXX XXXX and XXXX XXXX are in direct violation of the FCRA. 

I have been carefully documenting your willingly noncompliance and have filed a complaint with the FTC. If you fail to conduct a reasonable investigation then I will be forced to file a complaint with the Attorney General in both my state and yours. Please delete this misleading information and supply me with a corrected credit report within 30 days. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
TransUnion received my request through XXXX XXXX on XX/XX/XXXX andI was informed that TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. I was told that when the investigation is completed, they ( Transunion / XXXX XXXX ) will provide me with a response and/or a copy of my updated credit report to notify me of the results. 

File Number : XXXX. 
Dispute : XXXX XXXX XXXX - Reported on XX/XX/XXXX - {$9300.00} Dispute Reason : Accuracy : The contract related to this account has been cancelled. 

I have not recieved a response from Transunion. I filed a complaint with XXXX XXXX on XX/XX/XXXX via email. This dispute is nearing 1 year old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: CITIBANK, N.A.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX   AMOUNT- {$430.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/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 2020-11-17
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Re : Fraudulent Inquiry of XXXXXX/XX/XXXX on XX/XX/2020 via Trans Union LLC.. 

During the last few months I have noticed things on my credit file that DO NOT BELONG TO ME I have been experiencing a significant amount of Fraud and Theft of my identity., The latest discovery is that of XX/XX/XXXX on XX/XX/2020 This Inquiry does not belong to me, neither did I give permission verbally, electronically or over the phone.. In Accordance with section 604 of the FCRA. under Permissible Purpose of Consumer Reports none of them apply to me in reference to the above herein depicted Inquiry., My Attorney of record has advised me to send an Affidavit of Fraudulent Inquiry first before instituting legal action for FCRA 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXXtransunion has me at a score around XXXX. 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 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 2020-09-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried multiple times to talk with someone at XXXX! I have XXXX  several numbers and have gotten the same computer ... Your company is not reporting my mortgage payment to 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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My problem is with XXXX XXXX XXXX : 1. XXXX XXXX XXXX- In XXXX I lost my job due to covid-19. I called XXXX customer service number XXXX stated on my bill for a month, no answer. I went on their website : XXXX and wrote that I lost my job and wanted to find out what can I do to defer or forebearance the payment. I HAD NEVER MISSED A PAYMENT. I received no reply. The website had an area that stated Covid-19 update however did not have forms or anything consumers can fill out for that option. When you go to fill out the form there was nothing you can fill out. They deliberately just posted the information with nothing consumers can fill out, only a sign stating what to fill out. No Forms whatsoever! On Monday XX/XX/2020, I went on my XXXX  XXXX account and noticed XXXX XXXX reported that I did not pay my payment for XXXX. I made every effort to contact XXXX XXXX however they ensured that they made themselves unavailable to respond to consumers in need of their assistance. This delinquent reporting to Transunion has drastically brought down my credit score. When I called Transunion to dispute this erroneous reporting, the phone hung up not working. I also tried to dispute it on line with my account since I have a freeze on my account it reroute me to purchase Transunion 's credit monitoring service which I can not afford at this time. If you didn't purchase their credit monitoring service, you can not dispute erroneous information on your account. When I went back to XXXX XXXX service website now they have a form for consumers to fill out for a 30 or 60 days deference yet still you can not communicate with anyone to explain what happened. I filled it out however I did my best to notify XXXX XXXX prior to when my car payment was due numerous times. My other creditors have worked with me except for XXXX XXXX. I need the delinquent posting off of my Transunion account since XXXX XXXX deliberately caused their consumers to be delinquent by not replying to phone calls, emails, and provided erroneous information on their website to give the appearance they are helping consumers. I will never purchase a XXXX as long as I live and will tell my family, friends, colleagues, and acquaintances of what they did in my time of need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was enrolled in XXXX XXXX XXXX University in a XXXX 's program. I received an excess funds payment on my last term. Two weeks later, I was blocked from my student class because I was informed I had a balance due. I was unable to resolve the situation. I kept asking why I received the excess funds refund when there was a balance due. I had to drop from the program as this was my final capstone class. I could not get anyone to explain why I received a refund when there was a balance due. I can not afford to pay the balance as I am low income. I received a letter from legal counsel of XXXX stating I owe {$1700.00} and if not resolved, this matter may be placed with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a problem with a Sears Card that I have had for 30 years. When I was married to my xhusband Sears allowed him to charge without my consent over 5000 in tools. When we separated and finally divorced the account was only in my name and I was left paying off the balance, which I have now done. I was offered a settlement amount that was {$400.00} less than the amount I paid to close the account out. I asked only that the late fees we waived in the amount of {$140.00} and they are now refusing to waive the fees. At this point I want every receipt that they allowed him to sign for to be returned to me if they can not zero this account out.

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 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX  to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation