BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit report states negative items due to credit inquiry. No credit inquiries are listed. Credit report states 21 % of credit is being used. This is incorrect. 
This changed my credit by 50 points, knocking it down a full level. All the errors are inside the actual credit bureaus, as their report do not actually have any details to confirm their supposed negative items. Their error-correcting webpages don't seem to have a way to correct ghost errors.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
I recently received a copy of all three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-02-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I regularly monitor my credit report atleast 3 times a week. I was unpleasantly surprised when my credit score dropped 10 points for no explained reason, then another 24 points with again no explanation, very funny when I applied for a credit card my score dropped 1 point with a reason/explanaiton. I called transunion to ask them to explain the sudden drop when in fact I had paid down or off some {$5000.00} worth of auto loans and credit cards, they proceeded to give me a general reason why credit scores drop but couldnt fine any reason why my specific score had dropped some 34 points. I did file a dispute but was told by a supervisor disputes doesnt affect your credit score, only to be told by a different superivisor disputes does affect ones credit score. Transunion then contacted me to inform me the dispute I filed would go on for an additional15 instead the the orginal 30 days because they wanted to give the company more time to provide info??? I have a couple friends whose had simular types of incidents happen to them and they are very disappointed in the lack of info transunion has on its own practices/reporting. maybe its time for transunion to get a dose of what XXXX got.a class action lawsuit!

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 2020-07-27
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2019-10-23
Company: EQUIFAX, 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 status incorrect

Complaint:
I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting. 

On XX/XX/XXXX EQUIFAX responded to my complaint on the CFPB portal stating they will not provide an answer because the believe it was a credit repair company talking on my behalf. 

I AM NOT A CREDIT REPAIR COMPANY OR IS ANY CREDIT REPAIR COMPANY REPRESENTING ME REGARDING THIS MATTER. I FILED THIS COMPLAINT ON MY OWN WITH THE HELP OR GUIDANCE OF NO ONE. TAKE THIS AS MY FORMAL WARNING TO YOU. IF EQUIFAX CANT PROVIDE PHYSICAL PROOF OF AN INVESTIGATION TO ME REGARDING MY COMPLAINT, THE NAME & PHONE NUMBER OF THE INDIVIDUAL EQUIFAX SPOKE TO AT XXXX TO CONFIRM THE ACCURACY OF THE REPORTING, & DATE/TIME I WILL FILE A LAWSUIT VERSUS EQUIFAX IN SMALL CLAIMS COURT FOR THE DENIAL OF MY RIGHTS &  FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT. 

Cc : XXXX County Court House - Civil Division

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Some girl named XXXX XXXX is using my address and my phone number, my information to purchase products and is having debt collectors call me instead of her regarding all of this stuff. I have no idea who she is. But I have her address and I know her name. I don't know what's going on but all I know is her name is XXXX XXXX she lives in XXXX Texas and she bought a bunch of detox cleansing stuff on the internet and they've been emailing me repeatedly about the order and I keep telling them they have the wrong email. And then a debt collector called me today asking for XXXX and saying that XXXX needs to call back immediately. I'm not XXXX. My name is XXXX XXXX and I live in 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 2022-11-04
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2021-08-31
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied online at XXXX to receive current rate information for 30 year refinance rates. I received several calls but the broker from Quicken Loans was trying to railroad me into approving a hard credit inquiry. When I told him that I was just beginning the process and would be waiting until XXXX he proceeded to imply that they were going to perform a hard inquiry anyway and that I should just approve while we are on the phone. I responded in no uncertain terms that I will not approve a credit inquiry because they have sufficient information to give me ballpark rates and I would only approve a hard credit inquiry when I decide to refinance with Quicken Loans. 

It is too early to know if they performed a hard credit inquiry, but this is unacceptable behavior and I believe many customers may have been hurt by such aggressive sales tactics. Credit inquiries can damage customers ' credit scores and should be expressly agreed to. 

Quicken Loans NMLS # XXXX Quicken Loans Agent : XXXX XXXX ( XXXX ) XXXX NMLS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Ad Astra Recovery Services is currently reporting on my credit reports for XXXX XXXX, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with Ad Astra and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I went on Spirit.com to purchase my airfare reservations. Once I selected my dates and I got to the payment window, Spirit Credit Mastercard offered a promotion of a {$100.00} instant credit to be applied to the reservation of my airfare in exchange for opening a credit card if approved. I was approved for the credit card through Bank of America. I received emails confirming my card and welcoming me stating that my card will be mailed to me along with no other contact information or account number other than " Bank of America ''. I then proceeded to try to pay for my Spirit airfare reservation with my new credit card but the website required me to enter the new credit card account number/expiration/security code. I called Bank of America/Spirit Mastercard customer service and their response was they could only provide me an account number and expiration code, but no security code. Spirit 's website would not allow me to continue the purchase without inserting a security code, thus forfeiting my ability to pay with Spirit Mastercard and losing out on the {$100.00} credit. Bank of America 's customer service rep said I would have to wait for the physical card to arrive in order to purchase the airfare. By the time that would happen, the airfare would also cost me more!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Netspend Corporation
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have two accounts with NetSpend ( XXXX XXXX XXXX ). I requested they close the accounts after I withdrew my entire balance from BOTH accounts in XXXX of 2021, and requested an account cancellation for both accounts at that time. I was informed I could only do so via an e-mail request, and made the appropriate request for both accounts, and have never heard back despite submitting several requests over the course of the following months. I continue to receive monthly statements despite no balance in either account and want to be sure NetSpend cancels my account. 
Account Numbers : XXXX and 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 2017-12-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I was amazed when I viewed my Equifax, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, have been a victim of fraud relating to XXXX XXXX XXXX. They allowed money to be stolen from me and then did nothing except back up the perpetrators. 
They lied to you, a federal agency created by the powers of XXXX, yet they do not honor or recognize their disdain for integrity in replying to my complaints. Stop their harm and knowing lies and deceit here. 
I told them of the fraud, i told them to get rid of these lies and i do not own that asset. I do not insure it and it is not mine.

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 2023-04-16
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED THIS FRAUD ACCOUNT ON MY CREDIT REPORT.INVESTIGATE FRAUD ACCOUNT AND DELETE! 
ACCOUNT NAME- XXXX XXXX XXXX DATE OPENED- XXXX STATUS UPDATED- XXXX ACCOUNT # XXXX LAST PAYMENT DATE- XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT " FAIR CARES ACT '' 15 U.S. CODE 1681C-2 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 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

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 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to open up bank accounts at several banks and they keep denying me because of something on my credit report that has something to do with 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 non-monetary relief
Consumer complaint received 2022-10-07
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I'd like to inform you that I contacted the banks and they all agreed to remove the accounts from my file. But Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I need these items removed from my file based on FCRA Laws alone : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Manipulated my account/transactions. Charged fees that were unnecessary.

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 2021-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was forced out of my forbearance in XX/XX/2021 after losing my job due to COVID. I was given until XX/XX/2021 to resume payments. I called to make a payment XX/XX/2021 and was told that it was too late. Since XX/XX/2021 I completed the application for mortgage assistance. Since XXXX, I have submitted every document requested and the mortgage company refuses to process my modification and I have been threatened with foreclosure even though I have been compliant with forwarding the requested documents. 

I have submitted paystubs, bank accounts, tax documents, utility bills and everything else requested to no avail. 

This is causing me undo stress in a matter that is already stressful. I feel that the mortgage company is trying to foreclose on my home because of the equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Yes Wells Fargo owes me on two credit card accounts I have called and demanded a refund to my checking they also mischarged a XXXX  fee on my platinum savings after j requested it to be closed. I demand my savings be closed and refunded XXXX dollars and all my credit from my credit cards be sent out a check or deposit it into my checking account also there practices of horrible customer services with XXXXXXXX XXXX XXXX  needs to improve you dont yell at your customers

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