BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
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:
CFPB + TransUnion, There are 2 hard credit inquiries that I do not recognize and would like investigated and removed from my credit report.

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shot where these are located Please have these investigated and removed as soon as possible

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 2022-09-05
Company: LDF Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Excessive phone calls during and outside of business hours, has called MY EMPLOYER multiple times to leave messages as well which is illegal and embarrassing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Bread Financial Holdings, Inc.
State: AZ
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:
Comenity bank XXXX card, has locked my card for fraud, I explained no one has used my card and was willing to verify purchases through receipts, no one can get through on the phone been calling XXXX times to be on hold for a few hours with out anyone to help me, also contacted the XXXX  and they are unwilling to help, left messages on my credit card online account and they refused to help, just told me to call the number which no one can get trough to. Also lost some rewards I accumulated because card is frozen. I make all purchases and account is paid. I'd like to be able to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/XXXX = called at XXXX XXXX XX/XX/XXXX = called XXXX XXXX XXXX XXXX  and XXXX XXXX  XX/XX/XXXX called XXXX XXXX and XXXX XXXX all calls are to my cell phone XXXX which is on Do Not Call registry and at all hours of the night, they have called after i am asleep and after cease and disist times.  sometimes multiple times a day. the number does not return to anyone. i have contacted the main line for national credit and they are not sure this is them calling but that is wh pops up on my caller ID when I called they gave me information about the debt attached to my phone number without certifying who I was. If I had been fishing for information it would have been given easily.

caling from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Checking Account under a bonus offer for {$250.00} if I did one of the following : Establish a {$500.00} minimum direct deposit or make 10 debit card transactions. I did both, but never received a bonus despite waiting approximately 1.5 months after meeting the bonus requirements. I emailed Wells Fargo about the issue, and they told me I would hear back in 14 business days, which did not happen. I spoke with a representative after that time, who claimed that the promotion I had signed up for had expired on XX/XX/XXXX ( I signed up on the XX/XX/XXXX ), which is impossible because the expiration date of my offer was XX/XX/XXXX as stated in the email I received stating the bonus was attached to my account. This appears to be a classic bait-and-switch and not what I expected when I signed up for this 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 2022-09-05
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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:
CFPB + Experian, On my latest Experian credit report I see 4 unauthorized credit inquiries I would like investigated and removed as I never gave permission.

- my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have these unauthorized hard credit inquiries removed as soon as possible.

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 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.

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 2022-09-05
Company: EQUIFAX, INC.
State: DE
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 paid my account in full, and have the receipt and proof of this account being closed. It is still being reported on my credit report, and I wish for it to be deleted immediately. Creditor : XXXXXXXX XXXX Debt Collector : XXXX XXXX XXXX Amount : {$99.00} Account number on XXXX : XXXX Still no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for an HSBC premier checking account in XXXX of 2015. <P/>HSBC was offering a promotion at the time where they would give a {$200.00} credit when opening a premier HSBC checking account. I signed up using the promotion code, but HSBC has refused to deposit the {$200.00} that I am owed. <P/>I have had 20+ email exchanges with HSBC and the issue is still outstanding. <P/>There is a similar promotion going on now and the terms are listed here : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: CREDIGY USA CORP.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit card was used in XXXX when I am not in the country me and my family was out of country from XXXX XX/XX/XXXX .I came back in XXXX XX/XX/XXXX XXXXAfter some time I received calls and notices from debt collectors I wrote to them that this is not my debt I want to start the dispute because this was happened when I was not in the country. 
Original creditor XXXX Original creditor account number XXXX Date of charge off XXXX XXXX Current owner of account XXXX XXXX XXXX XXXX Current balance {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A XXXX account was opened under my name. 
A XXXX XXXX XXXX account was opened under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: CT
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:
We took advantage of XXXX XXXX XXXX XXXXXXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XXXX  to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since 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 2017-06-26
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold a car ( XXXX XXXX XXXX ) back in 2015 for parts and got signed release of reliability form signed and turned into the DMV. The car was supposedly towed last year and the towing yard handed the debt that was owed onto an agency ( Nationwide Debt Management Solutions , LLC ) and said agency has been repeatedly calling and harassing my family. I do not answer phone numbers I do not recognize, so I do n't have a first account on the actions these people have done but they have been calling my family repeatedly after telling them to stop. They have threatened to call police, take me to court, and also threatened my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
On XXXX XXXX XXXX I successfully completed the Federal Loan Rehabilitation program and all negative payment history should have been removed from the XXXX XXXX XXXX XXXX ( XXXX ), reported by Experian, however entire trade line has been removed. Repeated attempts have been made by phone ( by myself and XXXX ) to correct issue as well as by XXXX submitting numerous updates to have issue correct. Experian was stating that XXXX has been submitting data in wrong format but this format is recognized by XXXX  as correct. The other two main bureaus are showing and reporting accurate information from this account. Experian has been most difficult in correcting this. They stated to XXXX that I have a right to dispute inaccurate information however I can not because the information is not being reported.

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 2017-06-26
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 information incorrect

Complaint:
XXXX is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. My credit report is to be updated to reflect a forbearance status for the months indicated below. Dept of EdXXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. Place in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due months of XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Klarna AB
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Klarna Dispute Resolutions I have waited patiently for someone to take this case seriously. XXXX 's Order no : XXXX. I have provided documents receipts from XXXX showing that I paid {$620.00} for a 30 in Smooth Surface Convection Oven on XX/XX/XXXX on the one time card ending in XXXX. Order number XXXX, invoice XXXX. Yes, I did enter the amount XXXX however your website assure customers if your purchase is for a lower amount on the one time card. No worries- youll only be billed for what you end up using. Payments will be automatically updated 14 days after purchase to reflect the amount spent on Klarna one-time card. 

Well in my case that did not accorded, I am still being billed for the full amount. Yes, my payment is on pause until this can be dissolved. I have provided the telephone number to XXXX and I also provided names of supervisors that helped me with the ordeal at XXXX. 


I dont have a problem paying however I only want to pay for want I spent a Lowes on this One time purchase, The receipts are very clear of the payment and its taken a whole month. Agents are asking me to contact XXXX. This isnt a XXXX problem, this is a Klarna glitch in the system and no one is helping with this case.I want to make sure that my Creditor XXXX XXXX XXXX XXXX, UT is paid in a timely manner. 


This ordeal started on XX/XX/XXXX with XXXX XXXX ending in XXXX {$840.00} on a Klarna one time card. Stove arrived damaged on Thursday, XX/XX/XXXX and I called XXXX to get the 25 % discount on the damaged item. XXXX refund XXXX ending in XXXX {$840.00}. So I had to reissue another card Loan ID : XXXX which the Klarna system refused to process saying payment was too small of a payment. I canceled this card immediately. That is when I placed the third one time payment for {$880.00} card ending in XXXX to pay XXXX for this item ( stove ). This whole process has been a nightmare. If you review all the details, XXXX starting XX/XX/XXXX. Maybe this could help the process. 

If you need to call XXXX please call them at which I provided the number that is on the receipt. If you need to address me please call me at XXXX. Emails are not good for me because I dont see the email until two days afterwards.

I have also included 20 pages from XXXX and with all details on this case. 

The payment was placed on pause while they looked over the information I provided several times, I have address agent XXXX and XXXX through email only, with no success. 

I received a email today they are adding an additional charge for outstanding balance on this order is {$880.00} including interest of {$7.00}. Which this payment is on pause how are you charging interest. 




Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a checking account with Suntrust specifically to pay my mortgage. Roughly 4-5 months ago the local branch closed. I paid it online for a month or so then became locked out of my account. The closest branch is an hour and a half away. I was told I could pay via a XXXX number, so I did that. I recently received notice that I owed Suntrust {$68.00} and was shocked. I have never been late on my mortgage. When I called they explained because I did not use my account in two months they withdrew the {$30.00} and change I had in there for a maintenance fee which I knew nothing about. Then when it became negative due to the maintenance fee I was charged an NSF fee. This is unreal. They refuse to withdraw the charges and are threatening to send my account to collections. Suntrust Bank Account number 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 monetary relief
Consumer complaint received 2017-06-26
Company: WELLS FARGO & COMPANY
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:
Hello my name is XXXX XXXX XXXX. I have tried to fix my name as I showed it appears as XXXX XXXX XXXX and XXXX XXXX XXXX my birth name is XXXX XXXX XXXX but I got married 3 yrs. ago never used the name previously mention. I am trying to purchase a house and that 's how I notice I have different inquires from different companies I have never inquire an account and also different dealerships I have never applied for. Please help me as I mention before I am trying to get a house. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ID XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NM XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a charged off account on my credit report. Its reporting as open, but it is charged off. 
How can a charge off account be open. 
Thats 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been disputing the accuracy of the information on my credit reports with all three bureaus for over a year, with multiple rounds of disputes including the dispute of information regarding a public record on a bankruptcy discharged in XXXX. I got documentation from the US court stating they do not report or verify bankruptcy information. I then received documentation that the credit bureaus use XXXX to furnish information about bankruptcy. I froze my XXXX account in XXXX of XXXX, and filed another dispute with all three bureaus. XXXX removed the public record fro my report. Experian and XXXX respond to the investigation stating they had verified the bankruptcy information with XXXX. However, that could not be possible as my XXXX account and any information in it would not be accessible to the credit bureaus. Neither Experian or XXXX have provided any documentation as to how they were able to verify information they did not have access to ; they have not identified any source other than 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