BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The Small Business Administration uses something called a " Vantage '' score, provided by Experian. I applied fo

r an SBA loan and was told my score with this firm was too low to qualify for a loan. I went to Experian 's website. It shows a FICO score but no
way to access a " Vantage '' score. This is important because the FICO score and the " Vantage '' scores from other credit bureaus appear to be different from the Experian Vantage score.

I called Experian and was told they don't offer a Vantage Credit Score report - despite the fact that their website offers that service for a one-time fee of {$7.00}. I applied for Experian 's " Connect '' product - cost {$14.00} - to see if I could get a copy of the Vantage score report. It told me I did not answer the personal questions
correctly. So it seems as though they don't really offer this service.

Regardless, Experian seems to charge for the Vantage score report- isn't that a violation of the law? And they don't seem to have an easy way to see what that report might entail - again, isn't that against the law?

With the US Government using this credit scoring method for something as important as SBA loans- during a pandemic - shouldn't there be more transparency around this process? A credit score I can't access - and can't correct - is being used for something important. Seems you guys should have a look.

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 2018-08-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for a Total Rewards Visa credit account through XXXX XXXX. I have a credit score of XXXX as was stated in my denial letter dated XX/XX/2018. I believe the decision to denial my application is discriminatory in nature. Application number : XXXX. Total Rewards # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XXXX of 2018 I received a text message alerting me that 2 fraudulent charges were charged to my account. Both of these charges were from a merchandise store at sea world. These charges were almost close to 800 dollars all together. I immediately called my bank to report this issue. A couple days later they refunded me the money. Fast forward to almost 3 months later my account is negative ( over 700 dollars ) I called my bank and they told me my claim was denied after investigation. They told me my card was at my possession and only I knew the pin. Therefore theres no wAy that those charges could have been done by someone else. If they look closely to statement I have never spendt so much money especially at some random merchandise store a sea world. If my bank is claiming that I made a false accusation stating that money was taken without my account why wont they report it to authorities? Those charges were not made by me. Im negative XXXX dollars. I know its not much for some but for me it is. I depend on a month to month check. I feel that they did not do a throrough investigation.

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 2022-07-10
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got zero response from the credit card company name ELAN FINANCIAL SERVICE please help me remove this identity theft card I have never opened an account with this company in my life at this point my identity was stolen from me.

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 2022-07-10
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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2019-11-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX branch manager, Wells Fargo refuses to send statements by mail or with password through to same email on record. I spoke to XXXX last week and gave several account numbers.

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 2017-09-08
Company: EQUIFAX, INC.
State: AK
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 learned of the Equifax security breach today, through the news, not through them. I was affected for months and they did not tell me. Something like this has the potential to ruin lives by ruining credit. 

I believe they should be fined and have to pay for any damages to people 's credit. 

There should also be legislation introduced so this does n't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Please note that you HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well over 60 days and still nothing! 
Your FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.

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 2022-02-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discovered a pending collection on my credit reports on XX/XX/XXXX : XXXX and XXXX. 

Collection Agency : I.C. SYSTEM, INC The report stated that there was amount of {$100.00} owed to XXXX XXXX, and was filed on XX/XX/XXXX. I had no knowledge of this amount being owed, and currently have two active accounts with XXXX that are fully paid for. On XX/XX/XXXX, I called XXXX to inquire. XXXX representative confirmed they had no record of any pending amounts, nor of having contacted I.C. SYSTEM, INC. It was also stated by the representative that they would not use a collection agency for that small of an amount nor that short of time, and would have made several attempts to contact myself first. 

I then contacted I.C. SYSTEM, INC to inquire about why this was showing on my Credit Report. They would not and could not provide any relevant information to what this account was allegedly referring to, and did not have any current or accurate information concerning myself or where I was currently living. I then requested for them to remove this, as this was a fraudulent collection. I.C. SYSTEM, INC informed me it could only be removed if I paid for the amount. I then requested for them to send me all information and collection receipts in writing which they refused.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed have called XXXX, Transunion, and XXXX numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.

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 2021-08-25
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
COMENITY BANK/XXXX XXXX DATE OPENED XX/XX/2020 BALANCE XXXX COMPANY HAS DONE NOTHING TO RESOLVE THE ISSUE. 
IS FRAUDULENTLY REPORTING ON MY XXXX AND XXXX REPORT. 
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS NOT A RESULT OF ANYTHING I HAVE PERSONALLY OBTAINED. PLEASE BLOCK/DELETE FROM MY CREDIT REPORT IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the accounts listed below has violated my rights : XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TN
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I went to their site and put in my information to see if I was affected and it stated that I was. As it stands, for the rest of my life I am going to have to pay for lifting and reapplying credit freezes on my name, credit protection, and costs for possible credit fraud. I believe that Equifax should be responsible for all fees that stem from this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: IL
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 transunion 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 XXXX 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 2022-02-08
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I think the private loans from Navient need to be forgiven. XXXX XXXX is no longer a school and I have an Outrageous amount of student loan debt. I was lied to. I was promised job placement after I graduated and had no help. I am not using the degree I am paying for. I had to have a co signer while attending school on a loan or I couldn't continue so I got someone he signed for 1 loan and ended up with several in his name. I also got married before I graduated and the financial aide personal didn't want to change any paperwork. This school was shady and the loan company was. The school was not accredited and I am unable to further my education. I pretty much have to start all over again. 

My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was affected in the Equifax hack according to their website on XXXX/XXXX/2017. They failed to inform the public after they found out they were hacked and they refuse to contact people, forcing them to use their service to see if their very personal information ( social security numbers, addresses, birthdates and even numbers of some drivers licenses ) had been stolen.
This is unacceptable for a company and some of their execs sold stock before finally reveiling they were hacked.This must be investigated and actions have to be taken to protect the 143 million innocent people that had their personal data stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Was not notified of investigation status or results

Complaint:
I have written to professional accounting with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate s through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.

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 2017-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have written to XXXX XXXX with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.

Company response to consumer: Closed with explanation