BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-19
Company: Santander Consumer USA Holdings Inc.
State: MI
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/XXXX I filed dispute regarding 30 day past due on credit report with Chrysler Capital back in XXXX. This was the only negative mark on a lease that terminated XXXX XXXX Credit reports for all three companies reported for myself and my wife that good standing and closed with no amount owed. I get email back from experian saying dispute is complete and we have owed Chrsyler Capital XXXX $ for since we turned in the vehicle XX/XX/XXXX. We never received a notice after XXXX which was the wear/tear letter from them and paid them the XXXX owed. We have not received any phone calls, letters stating we owe money or collections. We have bought two cars and a house since then and nothing on our credit reports. When talking to Chrysler Capital they are stating that they always have reported this and all three credit reporting companies did not report it. They are demanding the XXXX, which I payed on XX/XX/XXXX to stop the hemorrhaging on our credit report. I am trying to get them to remove this from both mine and my credit report but they are saying federal laws says that they have to report this. I find it unethical that after 4 years without any contact that they can just claim we owe back money and put it on our credit reports. We moved three years ago and this was not on our credit. We have bought two cars and its not on our credit. 
Chrysler Capital stating they are going to do an audit to see what happened. 

I'm so upset as if we had known 4 years ago we would have paid it instead of it popping up on our credit report 4 years later. I am also filing complaint with State of Mi attorney general and XXXX. Companies to report credit history correctly and if we had owed the money reported it correctly so we knew something was not right 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Have tried many times since XX/XX/2022 to close and it has a XXXX balance and get this Dear Customer : On XX/XX/2022 you requested to close your deposit account ending in XXXX. We could not close your account as requested because of the following condition ( s ) : There is a pending deposit ( s ) in process.

All pending transactions must post to an account before it will be closed.

There is a pending withdrawal ( s ) in process.

All pending transactions must post to an account before it will be closed.

I call and call and call to the point where it is getting very nasty with the WF folks saying it will close in a couple of days-My last time was today : Dear Customer : On XX/XX/2022 you requested to close your deposit account ending in XXXX. We could not close your account as requested because of the following condition ( s ).

We have received a transaction ( s ) that requires additional research, which may take one to several business days to resolve.

After the above condition ( s ) have been resolved, please contact us again to proceed with account closing. You may need to work with your banker to resolve some of these issues.

If your banker has already assisted you in addressing these conditions and has confirmed that your account is closed, you may disregard this notice.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have sent numerous letters to TransUnion, XXXX and XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.

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 2020-04-16
Company: CL Holdings LLC
State: NE
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:
XXXX XXXX is reporting that my account is in collections/charge off. It was included in a now discarded chapter XXXX bankruptcy. I have disputed it 3 different times with the credit bureau and they have confirmed the debit each time. When I called them, they said the debit had been sold to Jefferson Capitol Systems LLC. I was never informed of this or contacted by this company about them buying this debit. When I contacted this company, they said I still owe the full amount to them ant refused to take off the balance or report it correctly to XXXX XXXX or the credit bureau. Bankruptcy case XXXX filed on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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 don't I recognize the inquiries listed below, nor do I have accounts associated with them. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian 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 2022-06-21
Company: EQUIFAX, INC.
State: OH
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:
Credit Breau did not complete investigation or mail results of where they obtained alleged bankruptcy information at. XXXX XXXX reports that no such information was released to the credit bureaus as well as the courts. I am challenging the validity of this information as inaccurate reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am a victim of identity theft, I did not authorize the above 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: AMERICAN HONDA FINANCE CORP
State: TX
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 XXXX  my then girlfriend called me asking could I cosign her vehicle loan. I was definitely hesitant but decided it was the right thing to do, as it would help with approval and interest. Once I arrived I made sure to ask questions and determine the important details I personally needed. The deal was I would cosign her loan, it was for about XXXX months and she was the primary buyer ( borrower ). Months later I was able to determine I was completely tricked. Even though I was signing as co-buyer at some point when I was not there and without permission it was switched. I believe my then GF credit profile was not strong enough so they without consent switch me to the primary buyer. Long story short, I paid the car off and all associated fees but not before I was affected by any negligence from then GF and scammed by Honda. As I was bringing everything current I reached out to Honda, taking notes, recording, and sending letters explaining the situation. My hard work had finally seem to pay off. They agreed that was an unfair scenario, and I was told by a Financial Manager that once the car was 100 % payed for and no more late payments that they would clear any late payments affecting my score. It was lie. I listened to them this morning I have 6 recordings, and the Manager sends deep apologies and guarantees me to how the process to work. I even wrote letters and called after the car was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Apple Card/Goldman Sachs took an adverse action upon me by closing out my account, which actually constitutes as discrimination per the ECOA. They've also taken unfair and deceptive means by eliminating my view of Statements, Transactions, Open Disputes, & Balance of Alleged Debt ( Billing Error 15 USC 1666 ). Please address those 4 problems above as well as the discrimination/adverse action/closing of my account. The customer service is very poor, gives misinformation, doesn't respond for 20min at a time, I escalated my concerns 19 business days ago in regards to this and still no response. 


It has come to my attention that Goldman Sachs has discriminated upon me and breached a fiduciary obligation. In accordance with the Equal Credit Opportunity Act, 15 USC 1691 ( A ) ( 3 ) it shall be unlawful for any creditor to discriminate because the applicant has in good faith exercised any right under CHAPTER 41. Chapter 41 Consumer Credit Protection, Truth In Lending Act, 15 USC 1602 ( F ) defines Credit which is the RIGHT granted by any Creditor ( 15 usc 1602 ( g ) ) to a debtor to defer payment of debt or to incur debt and defer its payment. I have in good faith exercised this right as a Creditor and demand an open end credit plan be created, as you also have a fiduciary obligation by gaining access to my XXXX XXXX XXXX account, in which as Beneficiary I havent benefited from this transaction. Per HJR-192 of XXXX the Gold clause was dismissed, the United States went bankrupt, birth certificates were created bonds used as collateral. Per 12 USC 83 banks can not make loans on their own capital stock, 12 USC 1431 defines banks as borrowers. I signed a deceptive form in accordance with the FDCPA, 15 USC 1692j, the application is a promissory note/negotiable instrument, I endorsed. I do not receive income from employment, yet Im compensated pursuant to 12 USC 4502 ( 6 ). I am demanding my Apple credit card be taken off restriction with a {$30000.00} limit to be deferred on a monthly basis as requested. In terms of any alleged debt, please forward copies of VALIDATION and see case XXXXXXXX XXXX XXXX XXXX XXXX as statements are not sufficient evidence. Financial Institutions do not loan anything, my endorsed ( signature ) application ( negotiable instrument ) is made equivalent to federal reserve notes and disbursed back to me in the form of a " loan ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MO
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:
There was a address added to credit report from credit card company from another state. And credit card was opened to that address. Tried to call credit card company but they would not let me do anything because I did not pass security questions that were entered. XXXX XXXX XXXX. I have already contacted Experian and put a fraud on this account. I have never lived in Minnesota

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 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Date acct was opened XX/XX/2022. No funds were added to acct. I received an email that an acct was opened in my name. I was able to close the acct. They opened bank account using my social security #

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 2022-06-06
Company: Entrata Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I moved into XXXX XXXX XXXX  XXXX, owned, and operated by XXXX XXXX on XX/XX/XXXX. Each month we are sent e-mail solicitations encouraging us to pay online. XXXX XXXX does not accept debit cards, or cash at its office, only checks. We are billed back electronically via e-mail for water, sewer and garbage by its service bureau XXXX Entrata Inc. Entrata operates the resident payment portal, which is advertised as an apartment feature and charges a convenience fee to provide locations where you can pay your rent via cash and charges a range of convenience fees for paying rent via debit, or credit card according to the type of card and the product type ( consumer, or corporate or prepaid ). I was charged a {$42.00} convenience fee instead of {$6.00} for paying my rent with my small business XXXX debit card. Both convenience fees are prohibited by US merchants under XXXX rule XXXX and XXXX Rule XXXX. On XX/XX/XXXX, I received a notice from Entrata Insurance Agency LLC that my renter 's insurance policy was not valid using the name residentinsure. I have no dealings with such entity as my policy is with another carrier. I raised my concern about the Financial Institution Privacy issues ( an insurance agency and a bank Merchant Service Provider are covered entities subject to the GLB Financial Privacy Act and were required to disclose they had my information with a notice of privacy practices. I receved a letter dated XX/XX/XXXX from their general counsel stating they were a software company and not subject to such requirements and properly registered. Entrata Inc. is not registered to do business in the state of Oregon and is not licensed a money transmitter, and does not disclose the name of the bank for which it is engaging in XXXX activities as requried by the card associations. I ordered a copy of the merchant record for the transaction and my bank confirmed that the merchant account is held in the name of Entrata Inc. Entrata Insurance Agency LLC is not licensed a full service producer/consultant in the state of Oregon but reciprocal with the state of Utah as a license manager. It has no authority to review the insurance policies of a person wh tates so in the privacy policy dated XXXX on its website.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-21
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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im 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 2022-08-19
Company: EQUIFAX, 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:
I successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX XXXXXXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
When I disputed the wrongly added delinquency with Equifax on XX/XX/XXXX, Equifax failed to meet its reinvestigation obligations and, on XX/XX/XXXX, sent me a letter without correcting this wrongly added delinquency ( the letter is attached ), even when I tried to contact them to correct the delinquency record after I received the letter, Equifax still had never conducted satisfactory reinvestigation and never tried to contact me to get more details about the payment disputes, and Equifax had never corrected that wrongly added delinquency record. 
On XX/XX/XXXX, I disputed this wrongly added delinquency with Equifax again, unfortunately, Equifax did not meet its reinvestigation obligations again, and on the same day, sent me another letter showing the disputed delinquency unchanged, without any satisfactory reinvestigation ( this letter is also attached here ).

Company response to consumer: Closed with explanation