BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello- my wife and I recently discovered we were the subject of the same aggressive sales tactics utilized b y Wells Fargo that has b een widely covered in the press. We did have  XXXX  legitimate credit card with  Wells Fargo a nd believe they used our information from that card to open other accounts without our approval.      In 2013, without our approval, Wells Fargo opened and closed a credit card within 8 days, opened a savings account, checking account, and a Health Savings Account. We were sent bogus consumer applications of opening both the savings and checking account, with the signature areas blacked out. We were sent a debit card for the HSA. Our credit report includes the 8 day credit card.      We cal led Wells Fargo to  track down these accounts and they claim there is no record of any. For the HSA, they assured us it was transferred to  XXXX   XXXX , though  XXXX  has no record. We have the documentation, name of institution, banker, etc.     We can not reasonably estimate the fees we incurred as a result of these accounts, and given that Wells Fargo claims there is no history of these accounts, we are reaching out to you in hopes of assistance. Thanks you.

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 2017-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I had received an offer for a personal loan  from Wells Fargo,  which is the bank where I have an open active account since   XXXX  . I went to apply for a personal loan of {$10.00}, they told me at the bank during the application process that I ha d a credit score  of  XXXX  and that the system was reporting a 9 % of interest for my loan but the decision was still pending so I need to wait a few days.. after 4 days they call me back to ask for my legal status, which is   XXXX   XXXX  . That same day I received a phone call from my personal banker informing that  Wells Fargo was rejecting my application due to my legal status. I would like to file a complain for disc rimination because I have all the conditions to have that loan but just due to I 'm not a permanent resident in the USA i was n't given the opportunity of that personal credit. And on top of that now they hurt my  credit score for  nothing!!!!

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 2017-04-27
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: Public record information inaccurate

Complaint:
In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the  XXXX  I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.

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 2017-04-27
Company: Premier Student Loan Center
State: CA
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:
On XX/XX/XXXX  I contacted Premier Student Loan Center to inquire about a loan forgiveness program for  XXXX . I spoke to "   XXXX   XXXX   '' who proceeded to determine if I qualified for the program. She said that according to the guidelines that I would qualify. She explained that my payments could be lowered from {$150.00} to {$89.00} a month through the program called public service employees forgiveness program or PELF. Additionally, my loan could be forgiven in as little as 10 years. She then had a loan processor contact me for further information regarding my income and taxes. His name was "   XXXX   XXXX  . '' I communicated with him further through emails and submitted all requested documentation. They made it seem like a very common practice in this field.
On  XX/XX/XXXX , a final email was sent to me congratulating me on qualifying for the PELF Program. A new payment amount of   XXXX    dollars would be due  XX/XX/XXXX  according to the email. I thought this was strange since I was expecting it to be {$89.00}.
On  XX/XX/XXXX , I went online to verify that my new payment amount was in effect only to find that it was not.
I contacted   XXXX    and she assured me that it was " being taken care of, not to worry. '' A couple more weeks passed and I checked my account again, same thing, no change.
According to my loan servicer,  XXXX , my payment is {$150.00} a month which is the same as it was before I contacted premier student loans center.
Therefore, this company has done nothing to help me even though I paid them in full for their " service ''.
I have attempted to contact them several times in the past two weeks only to be told that "  XXXX  '' no longer works there and nobody seems to know what happened or why my lender is not aware of my approval for this program.
I 've left several messages for  XXXX , including two voice messages today,  XX/XX/XXXX , and he has failed to return my calls. I spoke to somebody named   XXXX    who is supposedly a supervisor, he told me that  XXXX  would call me but   XXXX   never did.
I have spoken with my loan servicer  XXXX , who advised me that I could have applied for this program free of charge through them, a fact that premier student loan center never informed me, in fact "  XXXX  '' claimed my servicer would not be able to help me apply for this program at all. I now know that I could have saved {$1100.00} and a lot of stress over this nightmare. I was completely misled by this company and they took my very hard earned money and did absolutely nothing to help me qualify for the PELF program as I paid them to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in   XX/XX/XXXX  o riginally for {$3900.00}, I have all the original paperwork for it. It was relisted i n  XX/XX/XXXX  at {$1 200.00} as a charge off and it still showing up.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These companies have coerced and induced me into a form of identity theft through alteration of my name from a XXXX XXXX XXXX XXXX XXXX XXXX to a XXXX XXXX XXXX XXXX format. There was no contractual disclosure or meeting of the minds.

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 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I HAVE A NEW ACCOUNT THAT IS A SECURED CREDIT CARD WITH XXXX THAT IS BEING REPORTED THROUGH EVERYONE BUT TRANSUNION! THIS IS ALSO IMPACTING MY CREDIT SCORE AS I SPOKE OF IN THE PREVIOUS COMPAINT THIS NEEDS TO BE REPORTED FROM XXXX TO PRESENT PLEASE AND THANK YOU, UNSURE WHY IT HAS N'T BEEN REPORTED AFTER REMOVING DEROGATORY DEBT? SO I THINK MY SCORE WOULD BE WAY HIHGER THAN A XXXX AS PREVIOUS STATED BUT STILL HAVE N'T SEEN ANY DOCUMENTS TO BACK THAT STATEMENT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with fair credit reporting act XXXX the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently disputed multiple items reporting on my credit file XX/XX/XXXX CASE # ( XXXX ). I have spoken with the Specialized Handling department that has handled this process on multiple occasions through out this process. I was very clearly told by multiple agents and supervisors ' within this department that any/all accounts that were to be removed from my credit file due to FRAUD would also include related inquiries to such accounts being permanently deleted as well. As of today, XXXX XXXX, I still have all of the inquiries currently reporting on my credit file. Actually, I am currently on the phone with the Specialized Handling department ( US ) and they have stated that even though the accounts that were removed from my credit file were deemed as fraud and subsequently removed accordingly, that they are unable to remove these inquiries respectively. This of course directly contradicts what I have been told up to this point as well as does not meet my rights with regard to the FCRA concerning fraudulent accounts and inquiries. I need for these inquiries to be removed as they were directly associated with accounts deemed as fraud and removed from my credit file. 

- XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) I am also wanting to dispute a few trade lines/accounts still showing on my credit file as FRAUDLUENT. The following is a breakdown : XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1600.00} -XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1800.00} XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$2100.00} Does anyone not notice how odd it is that these accounts were opened under a different name and address in a 30 day span? These accounts were opened and closed within 2 weeks a part from each other. How does this not scream fraud? 

Lastly, I need for my current contact information to be updated on my credit file to read as follows : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All XXXX credit bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.

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 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I previously filed a complaint with XXXX and received a satisfactory response. However, XXXX and Trans Union reported inaccurate information on the same XXXX XXXX Bank accounts. Should n't XXXX Bank be held accountable for providing the same accurate reporting to all credit reporting agencies?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a case of identity theft listed on my credit report from XXXX totaling {$350.00}. I disputed this information and it was once removed from my credit report and now the reporting agency has added the charge back onto my report causing my credit score to drop drastically. I did speak with someone at the company and they gave me the address to where the services were set up using my identity and I am familiar with the person that lives at the address. I explained this to the credit reporting agency and they advised that they may be able to help me. I think it is unfair for them to a resubmit the collections after it was removed once before by the credit bureau.. Especially since it is not my debt in the first place. 


Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Dates : late  XXXX , early  XXXX    XXXX  .   Amount : : About {$400.00}, {$420.00} payment The company  is Navient, student loan company. They started to automatically called me with an automated message every day and so metimes after  XXXX   XXXX , they would not leave me alone. And the phone calls/harassment kept coming more aggressively with multiple people on the phone. After a while, they just offered me a short forbearance for abou t 2-3  months, which is ridiculous since I 'm not working full time at the moment. I spoke with them and notified this, still their customer service people would not even acknowledge the notes. I just felt like They 're harassing me, forcing me to make a higher payment and even threaten to default if I do n't agreed with their terms. This has got to stop. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
This is a weird XXXX. I submitted a Dispute through transunion and it was for something small on an account that hadnt been marked Closed as on the other XXXX CR agencies. This took place on XXXX. Now here is were it gets weird. On XXXX XXXX my credit score on XXXX dropped from XXXX to XXXX. Now knowing this, there was no change on any of my credit reports maybe very minor but nothing that should have caused my credit score to drop. All three of my credit reports are basically the exact same with very very minor differences on closed accounts but thats it. The other weird thing is that at the same time my other XXXX credit scores went up from XXXX to XXXX all within the same week. Ive tried to call Transunion but Im on the longest scheduled deployment in naval history so usually dont get much time on land and they wouldnt help. Any assistance would be greatly appreciated. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: AL
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:
On  XXXX   XXXX  of  2017 I su bmitted a multiple inquire removal letter to all  XXXX  Credit Bureau 's. I did not receive any information on the results or outcome of my request. On  XXXX   XXXX  ( over 30 days late r ), I   submitted a dispute online through Equifax for the same inquiries. That same day the results were completed stating the inquiries were factual and that I should contact the creditor if I disagree with the results. I feel as if my dispute was ignored  the 1st time an d then not taken serio us the 2nd b eing the results we completed in the same day. I understand that there are many people out there with concerns and issues but these inquires were NOT authorized and need to be deleted immediately. I would really appreciate it if someone would take my situation serious. Please help and remove the following inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have repeatedly disputed credit report information to Trans Union regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ) and XXXX from XXXX XXXX XXXX Acct ( XXXX ). I received XXXX Cancellation of Debt forms in XXXX from XXXX as well as XXXX from XXXX in XXXX ( see attached ). These are specifically marked that the debts were discharged/forgiven and have supplied these to them disputing the reporting of them having currently delinquent open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I have provided to them in prior disputes, they updated the items correctly. Unfortunately XXXX reverted back to reporting it incorrectly as originally disputed and resolved. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances. Please help me get this corrected permanently. Thank you for your time.

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 2022-12-15
Company: U.S. BANCORP
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
notice of multiple fraudulent charges on contract

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 2022-11-28
Company: EQUIFAX, INC.
State: CT
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 fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a hard inquiry on my credit report from XXXX XXXX, 2014 that I DID NOT AUTHORIZE. I am a member of a number of credit unions in XXXX. WHY ON EARTH WOULD I ever ask for credit from some unknown, inconsequential, out of state auto financing? I WOULD NOT! My cars have been financed through XXXX, XXXX, and XXXX. I NEVER authorized a credit check to finance my car at some out of state, sounds like a used car lot agency! Please get this removed. Trans Union and XXXX. Thanks.

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