BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ) Fraudulent XXXX XXXX XXXXXXXX XXXX date of inquiry ( XX/XX/2021 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
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:
XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition they are violating my Ferpa rights in sharing my medical information without my consent.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with XXXX on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with Experian, XXXX and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus

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 2023-12-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up a payment plan and Navient has been taking out {$160.00} per month on the XXXX. That payment was supposed to be divided evenly between my XXXX accts. It was not and XXXX account was not receiving any of my payment. This has happened several times in the past couple of years. Each time, I've been able to contact Navient and the issue gets fixed. 

However, now Navient is threatening me and my co-signed with default. They call multiple times per day and harass both me and my father ( co-signer ). I spoke with XXXX XXXX days ago. She said that now there is nothing we can do, even though it was the error of the Navient worker for not splitting the payments between the XXXX accts. 

I was informed that I have XXXX options. We can either pay {$6500.00} and be done with Navient or {$4800.00}, which would release my co-signer. I explained that we can not do this and she told me that Navient would move forward with attorneys. 

This is ridiculous. There is no way I can afford any sort of wage garnishment when this can be handled to fix THEIR error. I am so sick of dealing with this XXXX style bully tactic. 

I'll add that XXXX told me that when the economy took a hit so did Navient and they WILL get their money back. I've submitted multiple complaints on here and it doesn't go anywhere. 

I want someone to contact me with more than their " XXXX '' options, threats of wage garnishment ; and/or their aggressive XXXX 's ( " we're going to go after your business '' ) XXXX 's they've left XXXX times per day for my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Please do not close this complaint. GM Financial is trying to get from me more than the vehicle buy out lease amount. The buyout lease amount was under $ XXXX. The dealership purchased the lease turn-in vehicle in the amount of {$10000.00}. GM financial is trying to get an additional amount over $ XXXX ( which they added to my credit report. While I understand that the mileage was over the amount allocated, GM Financial should not be allowed to receive more than the lease buyout amount. They were not amenable with dealing with me directly for purchasing the vehicle outright. I don't believe that a financial institution should be allowed to add undue financial duress on a client. GM Financial should request from me the amount of the difference between the lease buyout and the amount purchased from the dealership. Approximately a little over $ XXXX. I have not received any communication from GM Financial regarding rectifying this matter. Had I simply had this vehicle repossessed I would have been charged the difference between what the vehicle was sold for and what the lease termination amount would have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
After 2 days of going back and forth with XXXX associates at XXXX  Honda about the misrepresentation of availability of vehicles online ; I went into XXXX  Honda dealership on XX/XX/XXXX around XXXX with my husband to purchase a XXXX Honda XXXX Touring that I was told would be available. After I filled out XXXX credit applications online, I was informed that those were not the full credit applications that were required for financing. While going through the application I was also informed that a credit check through the a consumer reporting agency would be done and that was also a required step in obtaining financing. After the credit check and my credit score was below XXXX, I was told I would need a cosigner and I refused. I told XXXX ( sales associate/manager ) that a credit score was not needed to obtain financing and he refused to listen to me. I requested to speak with the financing department and after the same conversation I was told to leave and talk to an attorney because we were not getting anywhere and after filling out the XXXX credit application with XXXX XXXX ( XXXX department associate ) I was unable to get any print out information on who my credit application was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: CA
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 am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police 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 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I planned a family trip from XXXX La to XXXX TX to attend a family event. I pre-paid for a room at XXXX XXXX through XXXX to stay during my visit. I booked the room XX/XX/2020 XXXX XXXX to check-in XX/XX/2020 and check-out XX/XX/2020 with the total amount billable {$210.00}. Right before I was supposed to leave I received an alert that the Covid-19 cases had spiked in XXXX which made me uneasy with getting the hotel room. I immediately cancelled the reservation later in the day of XX/XX/2020 and received a confirmation yet was still charged for the room on my credit card for a day which totaled {$100.00}. I disputed the charge through Capital One provided my cancellation emails and also advised that due to Covid-19 and the spike in cases I was not going to keep my reservation. My dispute was denied and the charge was left on my credit card. In the height of this pandemic there was forgiveness given for travelers due to the sensitivity and danger of this virus. I can't seem to understand how someone is expected to pay for a hotel room that was cancelled and was not stayed in. I was charged {$100.00}. The charge was rebilled on my Capital One account XX/XX/2020 case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER HAVING A CHANCE TO GO OVER MY CREDIT FILE, I CAME ACROSS SOME DEROGATORY ACCOUNTS REPORTING ON MY CREDIT FILE. THE ACCONTS DO NOT BELONG TO ME. THERE HAVE BEEN A TREMENDOUS DROP IN MY CREDIT SCORES BECAUSE OF THIS SITUATION. IT IS SO UNFAIR TO ME BECAUSE I HAVE ABSOLUTELY NO KNOWLEDGE OF SUCH ACCOUNTS. IT HAS BECOME VERY HARD FOR ME TO ACCOMPLISH CERTAIN THINGS ALSO BECAUSE OF THIS. I AM ASKING THE AN INVESTIGATION IS OPENED IN ORDER TO REEVALUATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: DISCOVER BANK
State: CA
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 letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : DISCOVER BANK XXXX Balance : {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: MB FINANCIAL, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, I went on XXXX to inquire about current interest rates on a new home purchase. I selected that I did NOT want to receive marketing solicitation and have my contact information shared. Despite this, I received an inundation of marketing phone calls and emails from lenders for the following 3 days, including on Sunday, at all hours of the day and night. I asked each of the callers to remove me from their call list and completed unsubscribe requests for all emails on the XXXX. I submitted the opt-out link directly on XXXX on the XXXX. All marketers abided by privacy with the exception of ONE : a  XXXX XXXX from XXXX XXXX XXXX, XXXX # XXXX. There is no unsubscribe link on his email, so I replied directly to him asking to UNSUBSCRIBE in no uncertain terms. I have received emails from him every single day since XXXX XXXX, now totaling 4 emails, and to each I have asked to unsubscribe, including most recently advising him if I was not removed from his marketing list that I would contact CFPB. He continues to send me these annoying emails after I have opted out and asked him directly to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Chase bank released the funds of the fake check into my account when I called to asked why it was on hold ( the check was from the scammers ) I was supposed to pay for the installation of the XXXX XXXX decal stickers for a marketing campaign. They told me no problem the funds are released. And after I noticed the irregularities I called the bank immediately to stop the transfer they made me do. The transaction was still pending. They said so sorry we cant stop it or reverse those funds. But the next day they reversed the funds of the fake check out of my account to be me the only victim of the scammers. Thats completely unfair. Im a divorce mother of XXXX children just trying to make extra money for my household. They bank is responsible for releasing the funds of a fraudulent check!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE 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 2021-06-01
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I MADE THE MISTAKE OF HIRING HOME DEPOT TO REFACE MY KITCHEN CABINETS IN XX/XX/XXXX. THE WORK TOOK PLACE IN XX/XX/XXXX AND I HAVE BEEN TRYING TO GET BACK THE MONEY I'M OWED SINCE XX/XX/XXXX. I ALSO SENT A DEMAND LETTER TO XXXX XXXX XXXX SINCE THAT WAS THE OFFICE BUSINESS CARD I GOT FROM XXXX XXXX AND XXXX XXXX XXXX WHO EVEN CAME TO MY HOUSE IN XX/XX/XXXX AND DESPITE TELLING ME HE WAS GOING TO MAKE IT RIGHT, I NEVER HEARD FROM HIM AGAIN ). I SENT AN EMAIL ASKING WHY NO ONE HAD RESPONDED TO MY DEMAND LETTER, BUT THAT EMAIL WAS ALSO IGNORED. CUSTOMER SERVICE SUCKS AND I WANT THE MONEY BACK HOME DEPOT STOLE FROM ME RETURNED IMMEDIATELY!!!! CHARGING ME FOR SERVICES AND EQUIPMENT NOT PROVIDED IS 100 % ILLEGAL!!!!

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 2021-10-07
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There was a loan by LOBEL FINANCIAL opened up for a car by my roommate XXXX XXXX at the time. I had nothing to do with this car. Not the procurement not the purchase not ownership nothing. Some how I came to a debt collector and says i am a joint account holder. Not true. I have disputed this but to no Avail. I have tried contacting them XXXX XXXX also tried contacting them. All to no avail. It is hurting my credit score and I am trying to buy a home. I have never signed anything from this company never heard of them actually.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has been contacting me regarding an {$1600.00} XXXXXXXX XXXX bill that was settled XX/XX/2017 for the amount of {$1000.00}. The account was settled with XXXX XXXX XXXX now known as radius global solutions. I contacted both companies trying to get a receipt or proof of payment mailed to me I've been told that I will receive something in the mail. I've been waiting for over a year for the proof, the only proof I have is my bank stamen which shows the payment for the amount and the companies name and number. I took the stamen to XXXXXXXX XXXX and they told me that it wasn't enough. I also have my policy numbers so if its possible please help this has caused a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company charged me after account was called in for fraudulent activity. Wanted me to pay for fraudulent charges without contacting me back from a call I had with XXXX I was penalized for my wallet being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: NC
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:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2020-12-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm not sure why my last complaint was closed. This is a continuance of that complaint. It seems when a company responds, that's enough to close the complaint on the consumer? 

The company, over a series of communications, as abjectly refused to address any of the issues I've raised directly. The phone conversations I've had bear no resemblance to the written communication and the company refuses to address these issues and the information I've provided directly. 

Most recently, they sent as some kind of evidence to me, a copy of what they identified as my loan account with them. Unfortunately, the documentation they sent does not have anything to do with me. It is not my name, not my car, not my loan, not my address or SSN. It is also for a loan amount significantly higher than my loan. If this is what they have on record for me, I have a few issues that need to be addressed, including : - Why do they think this is my loan? 
- Is this the loan documentation attached to my account? 
- If it is, how was this mistake made? 
- Is the owner of this loan aware they they sent their private financial information to someone else? 

I'm planning to reach out to the person named in this loan to advise them that Wells Fargo shared their loan information with someone not listed on the account as they may be having a similar problem with the company that I am.

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 2020-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit score was downgraded from Excellent to Vey Good without justification ; the only explanation I received was a long generic meaningless paragraph about algorithms. There was no significant change in my financial situation in XXXX when they reduced my score by 45 points, so I believe that this modification was completely arbitrary and have the right to get an accurate reply to my question. To make it clear I want to know how my credit score was calculated for Excellent and how it was calculated for Very Good and what factor was used to suddenly decrease it by 45 points. And what is the reason it stayed at that level when there are no significant changes in my financial situation. 
I am attaching a screenshot of my credit history.

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