BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I had my credit card hacked so I placed a freeze. Being newly married it made it difficult to manage two seperate accounts. I was trying to lift the freezes and things went fairly smoothly except with Transunion. I may have been on the wrong page, but I was just trying to sign up for an account with them and their web page is designed to sell stuff. It asked for a credit card, but in no way did I see that I was purchasing anything - a credit report or otherwise. All I wanted to do was see if there was a freeze and lift a freeze. They tried to charge the card twice, very deceptive. It also sounds like all the customer service is outsourced to a foreign country. They make their phone number hard to find.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I have recently reviewed. The report contains incorrect personal information and unauthorized credit inquiries, as well as accounts that do not belong to me. The items are as follows : Incorrect Personal Information : Previous Address : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  kindly request that you investigate these items, remove or correct the inaccurate information, and provide me with an updated copy of my credit report. If you are unable to resolve these issues, please provide a written explanation as to why the information is considered accurate.

Please note that I am attaching a copy of my credit report highlighting the disputed items. Additionally, I am enclosing copies of relevant documents that support my dispute. For your reference, my Social Security Number last digit is XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is FRAUD, I never had XXXX XXXX XXXX service, this is NOT mine nor did I obtain. I have tried to deal with this through the credit agency and the company with nothing in return. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was charged an absurd interest rate for my car loan of XXXX years with Wells Fargo Auto Loans.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
XXXX XXXXXXXX XXXX  {$140.00} XXXX XXXX XXXX {$170.00} this should have been covered under my insurance XXXX XXXX {$190.00} This should be removed because this should have been covered under my insurance when I was blown up in XXXX XXXXXXXX XXXX  {$1300.00} this is paid in full and is over 7 years old please remove.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: FL
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:
This account is not mine. Victim of ID Theft

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 2023-03-18
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022, ( Hunter Warfield Inc ) attempted to fraudulently collect a debt of {$3100.00} that was illegally sold by actual creditor ( XXXX XXXX  ). Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have filed a complaint in XXXX. The results were not in my favor. I was scammed out of {$96.00} and Key Bank or this Consumer Finance Protection Bureau did nothing to protect my assets. The letter written to you was nothingjust fluff. She didnt have the numbers correct. The so called company scammed twice both times charging twice. Yes they gave back three of the charges only to keep the largest amount. I know that I am just a nobody to you. A single XXXX XXXX XXXX woman on XXXX. That money was intended for XXXX presents for my grandsons. I really thought writing to you would get action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: The CMI Group, 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 XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: The CMI Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company Credit Management calls in spite of being informed that we have never lived at the addresses/cities in question or had an account with XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: MA
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:
Experian Credit Reporting Bureau [ XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ] deleted my oldest credit history off my account WITHOUT MY PERMISSION. I tried to correct errors on my credit report, and both times Experian ignored my request and did something completely different than I asked. 

1. I informed Experian that my account with XXXX XXXX.XXXX was closed because the company closed their stores in XX/XX/XXXX. It was listed up on my credit report as a still open account. When I received a copy of my report after the dispute- the account showed up as " Closed By Consumer ''. This was not true, The company closed their doors in XX/XX/XXXX by I never closed my account. 

2. After seeing my " corrected '' Credit Report which said the account was closed by me, I asked Experian to correct the account to show that IT WAS NOT CLOSED BY ME, BUT BY THE COMPANY because the company went out of business. The Company went out of business in XX/XX/XXXX- as I stated in both my first and second disputes. 

3. Experian deleted the account in its entirety- which was the longest standing account in my credit report. I WANT IT ADDED BACK. 

4. I called Experian, and after waiting on the line for 30 minutes, and then 10 minutes more- Experian said they could not add the account back onto the report UNLESS I FILED A LETTER TO THE FEDERAL TRADE COMMISSION ( FTC ). If they can take the credit history off unlawfully, they should be able to put the credit history back on- AND I WANT THE XXXX XXXX ACCOUNT FROM XXXX ADDED BACK ONTO 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 2023-03-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX  The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXXAccount Name : XXXX  XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX reported my personal information was stolen in a Data Breach XXXX spam Database reported XX/XX/2019, the charges on this account are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: AFNI INC.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter dated XX/XX/2021 showing an account placed for collection with afni. Details show debt owed to XXXX XXXX XXXX  I have not had an account with XXXX XXXX XXXX. Tried to contact afni by phone with no success, but sent by means of the internet I connected with their web site and informed them that I did not have such account and they had probably contacted the wrong person. I have not received any response from them. I do not know if this is an error on the part of the collection agency or a case of fraud to obtain money. I have never received any contact from XXXX XXXX XXXX regarding any account, as I have stated I do not have an account with them. I think any proof of debt owed must be provided by afni if they believe they have any legitimate reason to be pursuing the action they are taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: TX
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 send letters disputing wrong negative information on my report. XXXX has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to 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 2019-03-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX my credit card statement cut saying I had a minimum payment due of {$38.00} on XX/XX/XXXX. 

After that statement cut, on the same day, I paid the {$38.00} payment, dated XX/XX/XXXX. 

Today, XX/XX/XXXX, I see that I was charged a {$37.00} late fee, and my account is " Past due '' because they did not receive a payment by XX/XX/XXXX. However, there was a payment on XX/XX/XXXX AFTER the statement was available ( That's how I knew the amount, and clicked " Payments '' -> '' Minimum Amount Due '' -> '' {$38.00} '' ->Pay ). 


In a panic of the late payment notification, I made a payment for {$110.00}. After going back and looking through my statements, I realized I DID make the payment and was wrongfully charged. 

After escalating to a supervisor, Wells Fargo essentially told me that if I " wouldn't have made a payment on my statement date, ( I ) wouldn't have this problem ''. WHAT? What kind of credit card company doesn't encourage payments? 

I have credit card accounts at every other bank, and I always make payments on the statement date. I believe this is deceptive and not in consumers ' best interests to be charged fees and be marked " past due '' when the reality is the payment was made about as " on time '' as you can get. I've been a Wells Fargo customer ( deposit ) since XX/XX/XXXX, and I'm planning on ending that relationship over a mere {$37.00} and deceptive practices.

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 2023-03-18
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been trying to set up automated monthly payments since XX/XX/2022. Something is completely screwed up with US Bank 's automated payment system online that is not retaining the information I input- nor are notes taken or activated from my numerous calls. I have successfully faxed the form on their website to the correct number TWICE and it was delivered both times, but apparently, it was never applied to my account. I thought for sure the payments would be made, but once again they weren't and I only know this when another late payment notice comes the next month. I've spent literally hours on the phone trying to get this addressed and no one ever can figure out what the problem is and I get shuttled around from person to person. 

This is a very serious problem because not only are they refusing to refund the late payment fees that are not my fault- WHICH IS FRAUD - but the last one was reported to my credit report. I contacted their collection department 2 weeks ago and have not heard a word back from them. The fact that this is a US Bank error was acknowledged, straight up, when several agents agreed that the fax system to set up minimum monthly payments DOESNT ALWAYS WORK. They are then stealing money with the late fees and refusing to pay it back. Now there is also an incorrect mark on my credit report that is NOT MY FAULT. 

I have spent HOURS and HOURS on the phone and nothing is ever accomplished but paying the past due amount. I call back to set up the payments and then it's not done, which I only know when I get another late payment notice the next month that they also refuse to refund. I sent in the paperwork twice - following their directions exactly and the payments weren't set up either time. I am beyond over this but I am also completely stuck. I am facing some very serious issues that need my time and attention to be on other things. I can't keep sinking all this time into something that should be as simple as clicking a few buttons on their website. I want to make my payments on time and their system isn't letting me and now theyve stolen from me and put a mark on my credit report that was due to their system errors- not mine! This is NOT OK. PLEASE 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 2023-03-18
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2023 at around XXXX EST I deposited {$1000.00} cash ( XXXXXXXX XXXX XXXX ) into the Huntington ATM located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I was told that there was a problem processing my deposit and to take the cash back first then my card. The machine did not dispense the cash instead telling me to take my card and that the machine was no longer accepting deposits. I immediately called the number on the ATM to file a missing deposit report which they told me they had submitted, I called back today to check almost a week later and there is no update on the claim I filed. The money has yet to be credited to my account and Huntington is dragging their feet with this issue. Any help would be greatly appreciated!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: LA
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:
I sent a dispute letter via certified on XX/XX/XXXX, to XXXX, Equifax and XXXX asking to investigate the reporting or validate the debt of these accounts I have listed. Its been over 30 days and I have not received a response. This is violating my FTC rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
ON XX/XX/2019 I RECEIVED A ELECTRONIC LETTER TELLING ME THAT THEY WILL CLOSED MY ACCOUNT ON XX/XX/2019 I CALLED BECAUSE I BELIEVED WAS A ERROR BECAUSE THEY NOT HAVE ANY REASON TO DO THAT. 
THE REASON THEY SAID THAT I USE MY ACCOUNT FOR BUSINESS, ADVISE THE CUSTOMER SERVICE TO REVIEW MY ACCOUNT BECAUSE I JUST USE THAT ACCOUNT FOR PERSONAL USE ONLY AND NOTHING ELSE THAT PAY MY BILLS AND DEPOSIT MY PAYROLL CHECK, THEY SAID THAT WAS THE REASON IN NOTES IN THEIR SYSTEM. I OWN TO THEN A LOT OF MONEY THIS IS NOT EVEN MAKE SENSE.

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 2023-09-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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

Company response to consumer: Closed with non-monetary relief