BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transuni on had a computer breach that violated the rights of their consumers. Under section 6.11, I have been affected gravely and my credit score is suffering as a result. The glitch cased all of my inquiries to be deleted and my credit score increased. The very next week, all of the inquiries were reinstated, in direct violation of 611 of the Fair    Reporting Credit Act. I have spoken to se veral representatives at Transunion and each has acknowledged the breach occurs several times  in  XX/XX/XXXX  and  XX/XX/XXXX . However, they refuse to fix the errors on my credit report. I am requesting the the   reinsertions be permanently deleted from my credit report. I demand that the following inquiries be deleted immediately :   XXXX   XXXX   on  XX/XX/XXXX , XX/XX/XXXX ,  XXXX    XXXX   XXXX   on   XX/XX/XXXX ,    XX/XX/XXXX ,    XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX     on   XXXX  ,  XX/XX/XXXX ,   XXXX     XXXX   XXXX   on  XX/XX/XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX     XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX  on  XX/XX/XXXX ,   XXXX  ,   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on   XXXX    XXXX  on   XXXX  ,   XXXX     XXXX     XXXX   on  XX/XX/XXXX   XXXX  on   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    on   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   on  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 non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
tranunion is reporting this bankruptcy incorrectly and has not updated or removed this from my credit report. They have the wrong filing date as well as the court is not listed correctly. Furthermore, verification of accounts means that you have firsthand knowledge that these items belong to me and considering that they do NOT and never could, these need to be removed immediately. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for anyone to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. They do not have the authorization to report this bankruptcy which is also reporting inaccurately!

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 2020-03-28
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Fidelity Visa Card issued through Elan Financial Services. My credit limit is {$25000.00}. I reached my credit limit on XX/XX/XXXX. The payment due date is XX/XX/XXXX with a payment amount of {$11000.00} due. I made payment on XX/XX/XXXX of {$11000.00}. I did a direct payment out of my Fidelity money market account to the Fidelity credit card on XX/XX/XXXX. On XX/XX/XXXX the money was taken out of my Fidelity money market account. The Fidelity credit card is still frozen as of today, XX/XX/XXXX. 

I called Elan Financial and they said I have to wait 7 days before they will let me use my card. The money is in their hands NOT mine. I am now stuck with no ability to use my card even though i have made an EARLY full payment 5 days ago. I do NOT have my money and Elan does ; however, they refuse to let me use my card. How is this allowed?

The upmost irony is this is a Fidelity card, paid electronically with a Fidelity account. I no longer have {$11000.00} and they do but they will not unfreeze my account for 7 days. 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 2022-09-06
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
it was not me i had id fraund and three credit card was open in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 have tried multiple times to request that Capital One Auto finance send me where I gave consent to them in writing or opted in for them to share my information with any non-affiliated third parties per their privacy policy. The Graham Leach Bailey act states that non-public information may not be shared by financial institutions without the consumer opting in, it also states that the consumer must be given the opportunity to opt out and given instructions on how to opt out. I was not given that opportunity and this is a violation of my rights. I demand this account not be shared with non-affiliated third parties unless Capital One Auto Finance provide me with the proof that i agreed in writing to opt into this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: MD
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 cosigned a loan 10 years ago for my cousin XXXX XXXX, I believe it was a private loan. I called XXXX XXXX, they sent me to their collection agency XXXX XXXX XXXX. I spoke to a rep named XXXX and explained the situation and told me he was authorized to settle the account in full. The amount owed was {$8400.00} full settlement amount was {$4300.00}. 
I told him I could pay with a credit card but I needed receipts and a letter showing that the amount was paid in full. I received letters stating exactly that. 
I reviewed my credit report and XXXX had not updated my settlement. They reported to the credit agency that I was not paid in full. It shows a balance of over {$5000.00}. 
I have the letters sent ny XXXX XXXX XXXX stating I am paid in full but XXXX is not honoring the settlement and has reported to the credit bureau 's that I still owe money on the account. 
My cousin has disappeared no one in the family know his whereabouts, I 'm trying to settle this in good faith I called XXXX XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX when I questioned why is there a balance still showing on my credit report she tried to extract the rest of the balance from me and I told her I already settled. She continued to say that I owed the difference. I then told her that I 'm calling the dept of Education and the dept of Consumer Affairs, she changed the whole script, she then told me that my account was closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX. In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A Section XXXX have the right to privacy. 

XXXX. XXXX XXXX XXXX Section XXXX A. XXXX. It also states a consumer reporting agency can not furnish account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX OF XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-04-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2017-05-23
Company: Experian Information Solutions Inc.
State: MD
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:
After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are  XXXX   XXXX   XXXX   Inquires  for 3 days in a row that I did not authorize. The  XXXX  I am disputing is   XX/XX/XXXX     and  XX/XX/XXXX   . I 'm not sure why this creditor ran my credit multiple times. The next is  XXXX  inquiries for  XXXX   XXXX . The other  XXXX  is for  XXXX  and  XXXX  I am not sure who or what these companies are.     On  XXXX  there are  XXXX  inquiries per creditor. I did not authorize  XXXX   XXXX  to run my credit on   XX/XX/XXXX     or  XXXX  on   XXXX   XXXX   I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters and not one of them has responded but  XXXX   XXXX  for the  XXXX  inquiry  XX/XX/XXXX   .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.

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 2022-09-06
Company: Westlake Services, LLC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by Westlake financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using Westlake financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that Westlake would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


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 2020-03-28
Company: GREAT WESTERN BANCORP, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a Great Western Bank Checking account, over 2 years ago I asked to opt out of over draft protection, the bank told me I couldnt do this, which Im now seeing was a lie. Since that time Ive paid over 1,000 in  overdraft fees my account once again became overdrawn and I am attempting to close it. The day I notified the bank I want to close my account it was XXXX overdrawn, I indicated I wanted to negotiate the balance I owed considering I was lied to about not being able to opt out of overdraft protection years ago. I was told over the phone to send a letter to an email address. I have did so on Monday and I still have not heard from anyone at great western about the account. It is now over 200.00 overdrawn.

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 2022-04-12
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:
XXXX XXXX XXXX for XXXX XXXX in XXXX Texas shows that I was living there with mother XXXX XXXX and I did move to XXXX Tx until XX/XX/XXXX. I sent Experian, XXXX, and XXXX this info i have regarding me not being in Texas until XX/XX/XXXX. I have my job offer letter from XXXX that I was starting in XX/XX/XXXX so there was so way I could have been there. And still experian won't remove this with all the info that was given and is messing up my credit badly I never signed no paperwork or anythign for my name to be on the apartment

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 2017-05-23
Company: EQUIFAX, INC.
State: MD
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:
After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are 3  XXXX   XXXX  Inquires for 3 days in a row that I did not authorize. Th e 2 I  am disputing is  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . I 'm not sure why this creditor ran my credit multiple times. The next  is 2  inquiries for  XXXX   XXXX . The other  2 is  for  XXXX  and  XXXX  I am not sure who or what these companies are.     On Equifax there are  2 inqui ries per creditor. I did not authorize  XXXX   XXXX  to run my credit on  XXXX / XXXX /  XXXX   or  XXXX  on  XXXX   XXXX . I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters an d not one  of them has responded but  XXXX   XXXX  for  the one  inquiry  XXXX / XXXX /  XXXX  .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
PCMB company deceived my mother Monday XXXX XXXX 2016 in the XXXX. stating I left them her number to reach me at. which is a lie I spoke with them on XXXX XXXX 2016 stating I will resolve issue on Monday XX/XX/XXXX once I move money and that I will call them back. I know its against the law for debt collectors to call my mother she has nothing to do with my accounts. I think the should pay debt owed themselves to card company on my behalf for deceiving my mother which has nothing to do with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchase d US Ban k prepaid Mastercards #  XXXX ,  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX . I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I cont acted one  of merchants (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.

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 2020-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One Financial made an offer on their XXXX Page in early XXXX offering to help their customers through the COVID-19 crisis. Based on this offer, I made a request for a Credit Line increase. Despite a near perfect payment record ( one late payment ) with my Credit Card account, and a perfect payment record with my Auto Loan with Capital One, this request was denied on XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per XXXX U.S.C XXXX prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief