BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX at XXXX XXXX I purchased a Transunion membership. at that time I had access to my full credit report from all three bureaus. Upon going over it thoroughly realizing this is what my future holds thinking how can I improve my situation, I begin disputing a few errors I noticed and mistakenly submitted the wrong account I admitted to my error thinking the follow day I would be able to correct it by giving the bureaus and my bank a call.XX/XX/2019 I called all three bureaus only to hear Transunion tell me that particular account was no longer on my file. I immediately asked how was that when I submitted not even 12 hours prior to speaking to a representative to have it cancelled. XXXX  or XXXX would Not cancel the dispute per my continuous calling everyday begging to cancel the dispute.So the back and forth went on between me the bureaus and my back for approximately 2 months.Finally XXXX  started reporting back to my credit report.I have been an Authorized User on my dad 's account since XXXX with a credit limit of {$2300.00} this is very important to me as a holder by not reporting my all my accounts has caused me to continuously get denied credit, XXXX, XXXX for the last 4 months for an account that's reporting Excellent payment history and would help my score.I am asking to Please have my account reporting back to my credit report. I have attached supporting documents for my case.This is horrible feeling knowing you're paying a bill and not have it reporting to help my scores.

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 2020-01-24
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my XXXX report. The following date is when this remark was disputed via CFPB : XX/XX/XXXX, XXXX- via CFPB, XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested for information to validate your findings with LexisNexis or the secondary agency you receive your public records from. Youve ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with LexisNexis via phone as well as paper trail getting the same response from the company. The XXXX Court listed informed me that they do not work with credit reporting agencies like XXXX, therefore, they could not confirm nor deny any information. XXXX continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019 and mail, stating the vendor has claimed the information as accurate. Theres no proof XXXX verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by LexisNexis that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with LexisNexis via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the LexisNexis report showing no reporting Chapter XXXX Bankruptcy Ive submitted to XXXX. Ive even attached my XXXX report showing how another reporting agency is correctly reporting the information. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: AK
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Information is attached.

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 2019-09-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Case reference : XXXX Wells Fargo Bank which I has been a customer since 2017 lied to me over the phone telling me every time I called a different story First they told me they need to verify a transaction sent to me by XXXX XXXX on XX/XX/XXXX for XXXX $ they needed documentation when I called again they told me they needed a notarized document signed by XXXX on the third call they told me they needed a Bank Letterhead from the sending bank. Finally I was able to sent the contract made before the sell was conducted they told me arbitrarily that it wasn't enough evidence. 

Also they told me that the only account that was gon na be closed was the affected one and them they are closing my whole relationship So I putting on this complain because every time I call a different story it's being told to me PRIVATE XXXX video of XXXX XXXX declaration XXXX : XXXXXXXX XXXX Also this was a private transaction that I made for me I needed to sell some BTC I own and I do it privately sometimes with all the due compliance and verification needed for a transaction this size. 

Who are you guys to decide what documentation is valid or no?

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 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-09-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This company is unbearably incompetent. In XX/XX/2019 I applied for a balance transfer to a 18 month 0 % APR Barclay card. When I did this transfer ( from a XXXX card ), I accidentally typed the wrong account number in. I called Barclay to fix this, they said I had to file some paper work. I called XXXX, and they told me they had already remedied the issue, and not to worry about it ( cause this is how a competent company manages money ). I called Barclay back and told them XXXX took care of it and to ignore the file I had made of correction. A week went by, My XXXX  card was XXXX   out, and my Barclay card had the correct amount of debt on it ( Starting at about XXXX ). All of a sudden 3 months later, Barclay randomly decided to just decimate this card. They said my file of correction ( that should've been shredded ) forced them to return the entirety of the {$14000.00} credit to XXXX. XXXX having no more account, AUTOMATICALLY FIXED IT ( unlike this trash heap of a bank ), and sent it back to Barclay. Barclay RECHARGED ME the balance transfer, and after talking with 6 different people over the course of 5 hours - one of which yelled at me repeatedly, THEY REFUSED to nullify the SECOND balance transfer of over {$300.00}, because they blamed me for the error. I filed a CFPB complaint, and they FINALLY cancelled the 2nd transfer fee. NOW HERE WE ARE AGAIN! 2 weeks later, and they are charging me an interest fee of nearly {$300.00} meaning they NULLIFIED the 0 % agreement we had BECAUSE OF THEM FAILING to stop that file AFTER 3 months. I think its fair to say they people, out of pure 100 % neglect, are stealing from me. I demand them to cancel all interest fees, double check every transaction on account and make sure there is NO MORE than one balance transfer fee. DOUBLE CHECK all credit reporting for any false reporting of any false debt. And lastly, APPLY AN EMERGENCY {$400.00} CREDIT to the account, as they have failed on several occasions now to uphold the contract of this card, and literally attempted to steal nearly {$1000.00} from me due to negligence. This credit will be applied to getting a new 0 % APR card far away from the incompetencies of Barclay. THIS EVIL SHOULD BE PUBLISHED  EVERYWHERE

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 2018-02-23
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter in XX/XX/XXXX from XXXX XXXX advising that my credit card application was declined, but I never submitted an application. I sent a letter to XXXX XX/XX/XXXX XX/XX/XXXX advising that I never submitted an application and asked them to remove the inquiry. I also asked for a copy of the application. They responded on XX/XX/XXXX advising that the application was completed on XX/XX/XXXX, but did not provide the application as requested. This information is false. I never applied for a credit card with XXXX XXXX and I want the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pullsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: NV
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:
There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX  XXXX  XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. 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 2020-02-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Santander Consumer USA has lied over and over again in their correspondence to the cfpb. They never mailed me any documentation at any time concerning anyting post repossession of vehicle. Allow me to set a few things straight and prove that Santander is XXXX  ; Point one ; when I did the recording to repossess the vehicle I was told that I was not to pay any more money until I got proof of how much the vehicle sold for and what the value of the delinquency would be post sale. I was also advised that is 3 to 5 business days I would be contacted by somebody from the towing company telling me when they would come and repossess the vehicle. However, Santander negligently or maliciously did not supply the towing company with the telephone number and subsequently the next morning following the recording they were at my home repossessing the vehicle. 
Point 2 ) Santander turns around and charges the account off without giving me any opportunity to set up any sort of payment arrangements to keep the account in a non charge-off status. This just proves this Santander is out to ruin my credit and the multitude of class action deceptive lending practice lawsuits lend credibility to what Santander is doing to myself. 
Point 3 ) Santander states that they have sent me paperwork if they have no proof nor have they furnished and approve other than attaching copies of documents to their responses but yet they have no proof that they were actually ever sent to me which is convenient for this Corporation. I have continually ask them to correspond with me via mail in regards to establishing some sort of payment arrangements as I do not wish to communicate with them via phone because they're dishonest and they've shown that they can't be trusted especially when they tell me that I'll have three to five business days before the vehicle is repossessed and then they show up at XXXX XXXX. the next morning to repossess it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I currently have an account with capital one that is current to this date and also active however there was a phone call made on my behave that was suppose to set up auto pay I spoke with an agent and this request was allegedly executed mean while I received an alert from credit karma that informed me that my account was over thirty days delinquent reported in the month of XX/XX/2018. I spoke with another agent about this matter they apologized credit my late fees back and also said that the delinquent reporting would be removed. Now Im getting the run around and the company is saying that they cant find the recording all I would like out of this is the delinquent reporting to be correct because I was very diligent and proactive when it came to this matter. I knew I wanted my account to be enrolled in auto pay because of the XXXX XXXX XXXX XXXX which is a veteran and I needed some XXXX to help me cope with this XXXX XXXX. In addition I understood I would not have had time to manually make payments to account and again I do dont want any for free or a handout I just would like my account status to be reported correctly because botched auto pay sign up thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I Financed brandnew XXXX XXXX with VOLKSWAGEN CREDIT  Sold it to XXXX in XX/XX/XXXX. 

two years later it appeared on my credit with a {$8000.00} balance out of the blue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My credit score recently showed a significant decrease, so I ordered a credit report from all three credit reporting agencies. TransUnion shows 10 adverse accounts that are in collection status on my credit report that arent my accounts. Reading the report further, I discovered that TransUnion also added a new name to my credit report. That name belongs to my son, as do the collection accounts on my report. No effort was made by TransUnion to verify that this bad debt was even mine before placing it in my credit report. It is obvious that TransUnion received some information regarding a bad debt for someone with a similar name, using my mailing address and then took it upon themselves to just assign me an alias and the bad debt. No effort was made to verify the information being placed in my report was actually mine. Is there no such thing as due diligence when conducting such a transaction? I called TransUnion today, XXXX to address this matter and after having to explain the problem multiple times, was told that they will look into it and for me to check back with them. They would provide no reference number or claim number to assist me and stated that I just needed to call the regular customer service number to check the status after 5-15 business days. The last person I spoke with refused to let me speak with a supervisor or provide me an alternate number where I might reach a supervisor. The manner in which this information even got on my credit report is cause for great alarm. If the credit reporting agencies arent using more care and diligence than has been demonstrated in this scenario, they should not be able to operate. These reports have a serious impact on consumers livelihood and should be protected against trashy input from the company that is storing and providing reports.

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 2017-12-07
Company: Skopos Financial, LLC
State: SC
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:
The response from all 4 of the cfpb complaints that Ive filed against Skopos they have failed to acknowledge the fact that they failed to respond to my previous dispute within the timeframe allowed and by law they are required to remove the negative item if they fail to provide proof that it belongs to me. Ive documented this, I will be going to media about this company along with proceeding with the lawsuit. My attorney XXXX XXXX has all documentation from these disputes. We will be seeking wages for the stress that this is causing, and as stated I will be going to the media about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Seven years ago I was having a difficult time paying for student loans. I was informed by sallie mae/ navient to consolidate the loans and get on the income based repayment plan to get the loans forgiven and after 120 consecutive payments the loan would be forgiven because I was a XXXX. At the time I had already been XXXX 7 years and was not given information about my loans being forgiven for public service without consolidating them. I wasnt informed that my clock was going to restart if I consolidate. I was even recently informed that I could consolidate a parent plus and help with my payments and again was not told that if I did that my clock would start over. I stated it to the rep and she said well yes it would. I said to her why would you not share that before trying to get me to do it. She stated we dont volunteer that information. I believe that this needs to be shared my loan continues to go up if I was informed of this 7 years ago I would have never consolidate and would be out of student loan debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Their investigation did not fix an error on your report

Complaint:
I HAVE CONTACTED EXPERIAN ( XXXX ) XXXX ) BUT CAN REACH NO ONE. I HAVE REDISPUTED THE SAME ACCOUNT XXXX XXXX # XXXX, PROVDING PAGES OF DOCUMENTATION FROM XXXX AND MYSELF THAT THE ACCOUNT WAS NEVER LATE. THIS REFUSE TO ACKNOWLEDGE THIS. MY REINVESTIGATION COME BACK AS " REMAINS ''. I HAVE DISPUTED THIS SAME ACCOUNT WITH XXXX  AND XXXX  WHO UPDATED MY ACCOUNT. EXPERIAN HAS CAUSED ME EMOTIONAL DISTRESS! THEY ARE A FRAUD

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 2020-05-08
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Victim of Identity Theft. I already have a personal loan account with Discover Personal Loans ( DPL ) and the account number is XXXX. On XX/XX/XXXX DPL without my authorization transferred XXXX $ s to my XXXX ( XXXX ) credit card and XXXX $ XXXX to some account in XXXX. I never heard this organization XXXX. I leant about this activity when DPS called me sometime in XX/XX/XXXX. Then i started disputing. I did not even realize that they transferred XXXX $ s to my XXXX  CC. Sometime in XX/XX/XXXX DPL gave me XXXX number of XXXX. I called them, they searched their data base with name, SSN etc. and they could not find any. XXXX wanted Routing ID and first 3 digits of account which they did not give. I reported to XXXX   and XXXX  and they closed this account. XXXX  is investigating. Sometime in early XXXX i consulted a Lawyer. As per my lawyer 's advise, following good faith tender agreement made XXXX $ s as FULL and FINAL payment to DPL as XXXX $ s came from them. Even though i did not authorize i made this payment and they accepted. They deposited the check. Now they are coming after me for the remaining XXXX $ s which they ( DPL ) themselfs don't know where they sent.

Company response to consumer: Closed with non-monetary relief