BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX credit monitoring alerted me that there was a hard pull on my credit report via Transunion. I set up an account with Transunion hoping to dispute it but unfortunately you can not dispute an inquiry online. It suggest that you call that business, well guess what, that phone number is not valid. The hard inquiry was done on XX/XX/22 by XXXX XXXX via XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX phone XXXX individual inquiry type and the permissible purpose is credit transaction. I called the phone number multiple times and it just hangs up on you. I alerted Transunion about this and they haven't done anything about it and it's still on my credit report. This is fraud written all over it. 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 explanation
Consumer complaint received 2022-10-19
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022, I applied for a personal loan through OneMain Financial Reference # XXXX. Shortly after finishing the application, I received an email that stated I was denied but there was no explanation. Because I was not sent an adverse action letter, I reached out to the company and on XX/XX/2022, I received an email that stated : 'the specific reason ( s ) your loan was not approved at this time is : Incomplete Application. 

In order to mark the application done, all fields that were deemed required had to be filled out and they were. OneMain Financial did not give me the opportunity to give them who they could get a consumer report from, they also didn't give me the name of the consumer reporting agency that they used. All of this information should have been in the communication that they sent, but the only information that I received was that it was an incomplete application. 

OneMain Financial requested that I call their XXXX XXXX XXXX XXXX XXXX at XXXX, and I have several times, but I have not received a call back. I am stressed out and feeling as if they are ignoring my concerns. 

Because of the violations I actually was unable to take care of personal matters due to OneMain Financial withholding the use of me extending my own credit. 
OneMain has violated the Equal Credit Opportunity Act.Pursuant to 12 CFR 1002.6 ( b ) ( 6 ) they never gave me an opportunity to present any information to indicate that the credit history being considered by OneMain Financial does not accurately reflect my creditworthiness. 
They have also violated 12 CFR 1002.7 Rules for extensions of credit, OneMain Financial shall not refuse to grant an individual

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires and most accounts reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if Experian does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I am aware of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX as the depositary for Experian. I will be filing form 211 treasury omb forms to audit consumers account. 
EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2021-11-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX, The Consumer, entered into a consumer credit transaction XX/XX/2021 with WELLS FARGO AUTO at XXXX XXXX dealership and purchased a vehicle for {$52000.00}. This transaction includes a finance charge. Under 15 USC 1605 ( a ) a finance charge is defined as the sum of all charges. The finance charge does not include cash, but WELLS FARGO AUTO in fact took cash. WELLS FARGO AUTO is now in violation of 15 USC 1611 and owes twice the finance charge pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ). WELLS FARGO AUTO willfully and knowingly failed to clearly and conspicuously disclose my right to recission which is information required under the provisions 15 USC 1611 and 15 USC 1635 ( a ). They are now civilly and criminally liable and owes twice the finance charge pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ).

WELLS FARGO AUTO is a third-party debt collector and was not present when I signed the contract at XXXX XXXX XXXX Therefore, are not a competent witness and can not provide a contract for a contract they weren't apart of. Provided by WELLS FARGO AUTO, attached is a copy of the agreement that was signed and not the original. pursuant to rule 1002 an Original writing is required in order to prove its content if WELLS FARGO AUTO can not provide an Original writing, they have no claim.

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 2021-11-17
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$280000.00} XXXX XXXX XXXX Balance : {$0.00}

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: EQUIFAX, INC.
State: MS
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:
A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: AL
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:
15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.

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 2023-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23, I presented claim # XXXX to Wells Fargo for a fraudulent charge made to my checking account on XX/XX/23 for {$470.00}. I received a response dated XX/XX/23 indicating my claim was denied " because too much time passed before I notified them.I did not receive any alert from the Bank as I have requested. 

On XX/XX/23 I presented another claim # XXXX for {$1000.00} charged to my business account on XX/XX/23. I received another resolution denying my claim for the same reason ; even though it indicates " we need to return any unauthorized CCD payments... no later than the second business day after the transaction occurred '' This transaction was made no later than the second business day after the transaction occurred. Nevertheless my claim was denied. I did not receive an alert either for this transaction. 
I have been a victim of many attempts to take money from my business account. They even recommend I close a previous account and open this one. The results were the same. I have been a client for XXXX  years, never before with any fraudulent attempt and no interest payment. 
I deposited the money in the bank because I don't want it to be stolen in my house. It's a shame the Bank does not want to be responsible.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: OH
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 XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within three days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXX XXXX  XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXXXXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX Auto -- -- HARD INQUIRY on my credit report XXXX XXXX Bank -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXX XXXX soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXX. XXXX XXXX XXXX -- -DENIAL LETTER XXXX. XXXX Bank -- -DENIAL LETTER I tried disputing all these inquiries through XXXX XXXX XXXX XXXX and Experian Credit Reporting Agency and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a account.

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 2019-12-12
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: Account information incorrect

Complaint:
Company refused to accept payment to close the account. Will not reply to my emails. Now they are reporting to transunion and XXXX  that I owe twice an much as the original loan amount and it shows charge off.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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 PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO ME, THEY ARE LISTED BELOW : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. CAN YOU PLEASE REMOVE THEM OFF MY CREDIT REPORT. 




In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-07
Company: Professional Debt Mediation, Inc.
State: MN
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PROFESSIONAL DEBT MEDIATION and the landlord never informed me of the owed amount. Landlord who sent debt is corrupt and let me be abused by multiple people, so I left to a shelter on the last month of my lease AFTER paying rent. I left the apartment as I had found it, so I shouldn't have had things sent to collections anyway. Landlord was discriminatory based on gender identity as well. PROFESSIONAL DEBT MEDIATION refuses to strop contacting over my debt even though they are not allowed to collect FROM me as I am on XXXX. I was on XXXX when living at the complex they are collecting from, and still am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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:
As per the FCRA, I am requested the method you used to verify the accuracy of account, they did not disclose the method or send me any evidence of verification of the account they have on file. They ignored my request and just sent me a letter saying it has been verified.

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 2023-06-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX 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 than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Better Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company falsely advertised on their XXXX that rates start at 2.10 % APR as of XXXX CST. I completed a Prequalification within 10 minutes of that advertisement and was offered a rate of 2.75 % with an APR of over 2.9 % with $ 6,000+ in points. 

They have a disclaimer that its for loans greater than XXXX with credit score of XXXX+. Both of which I fall into the categories of. 

In addition to they are also requesting deposit for services not rendered which is a complete violation and will further be addressed with the state regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Equitable Acceptance Corp
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Since XX/XX/2018, Equitable Acceptance has been taking {$49.00} out of my account every month. I recently talked with Navient ( thought I was paying them every month instead of EA ) and was getting by credit dinged for non-payment. They told me to report Equitable Acceptance to CFPB. I was under the impression that my student loans were being cared for by XXXX and I was paying them. Equitable Acceptance is taking my money and has not done any services for me. I feel they have taken advantage of my student debt and used it to scam money from me every month. I don't remember talking to them but it is possible. I receive several calls a day from companies about my student loans. It's hard to keep everything straight, I tried to be careful but unfortunately not careful enough. Thank you for your time. I do not want others to be taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation