BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

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

Company 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 2023-03-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian keeps adding old addresses to my report. I can not receive mail at these addresses by XXXX. According to FCRA these should be removed from my report

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 2016-06-07
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016 I used my mobile app to log into my account with US Bank. I received a notice that the site could not be accessed at this time. I tried again at a later time and got a message to call a XXXX number. I called the number and the person told me that they have no information except that the accounts I have are being closed due to fraud and that I have to talk to a branch manager. On XXXX XXXX, 2016 at XXXX am I talked with XXXX XXXX Branch Assistant Manager and he " unfroze '' my personal account but told me that my joint account with my son is being closed do to fraud. XXXX XXXX would not tell me who, what, where, how and why I am responsible to an incident relating to my son 's personal account. He did give me a REF # XXXX and a XXXX number to call to find out details about my account. I called the number and made contact with " XXXX '' in the Deposit Risk Prevention Department XXXX. XXXX told me that my joint account with my son is being closed and that any funds will be used to offset any loss in regards to my son 's personal account. I asked her what is going on? Why am I responsible? and to who can I contact to get the information in regards to my account. She told me that she had already explained to me that the account is being closed do to fraud on my son 's personal account and that she could not divulge any other information.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 without 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 XXXX XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2023-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Overdraft fees with Wells Fargo charged unfairly.

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 2021-02-01
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I moved into a home leased by XXXX XXXX XXXX XXXX XXXX. When I moved into the home I experienced several issues. There was no hot water heater and numerous plumbing issues, causing the home to constantly have water flooding. I sent multiple complaints to the property management company without it being resolved. I move out of the home 2 months later due to inhabitable conditions for me and my XX/XX/XXXXsmall children. Hunter Warfield added a collection to my account in the sum of {$12000.00}. I have disputed this inaccurate information multiple times without resolution. 

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX about this account and the balance. I explained the inhabitable conditions to her and it was also agreed that because of Texas Property Code 91.006, I can not be charged for rent amounts after a property is leased to a new tenant. I was informed that the balance should not be the $ XXXX that is reporting and was given a significantly lower balance of {$3900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT METRO 2 Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.

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 2022-02-24
Company: EQUIFAX, INC.
State: MI
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 without 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 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights.

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 2022-02-24
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The division of Child Support Enforcement has been documented on my credit report since XX/XX/XXXX ( according to Transunion ) however, it 's actually been there since XX/XX/XXXX. Anyway, Transunion has allowed them to remain on my credit report since XX/XX/XXXX without fail. I have documentation as a result of my many disputes from Transunion stating that this would finally be removed from my credit report XX/XX/XXXX. I patiently waited until that time and then it finally did fall off for a total of 30 days. Now it has resurfaced as new and it is listed as a collection item that will be removed on XX/XX/XXXX. This is an outrage, all the other credit agencies has seen fit to remove this from my report except Transunion. It appears that all the reporting company is required to do is to verify my full name and social security number. I was advised by Transunion that due to the fact that The Child Support Enforcement Agency has my personal information this will remain on my credit report forever. Child Support is reporting that I am making monthly payments to keep this on my credit, however, they are not reporting any payment amounts.Transunion is basically turning the other cheek on this. There are laws which indicate that if a payment is reported then the payment amount should also be recorded. Child Support is smart enough to know that if they record me as making payments then it could possibly remain longer. Why are n't the payment amounts being listed. This is unjust and something must be done. I would like for Transunion to remove this account from my credit report for once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
1 ) My son and I are XXXX, and XXXX generations of XXXX XXXX. We live at the same address. We have different birthdays. We have different Social Security numbers. This may seem obvious but not to credit reporting companies. XXXX got it right. XXXX and Transunion reported my IRS liens against my son. I went to the XXXX XXXX County Clerk, obtained County Clerk certified copies of the liens showing my SS # and asked both to delete the liens from my son 's credit report. They refused and continue to falsely report these liens against him. 
2 ) When my son was XXXX-still covered under my XXXX insurance he had an xray.. I presented XXXX Insurance information. The Dr. 's assistants said nothing, failed to claim the xray against XXXX coverage and filed a credit report against ( not me ) MY SON! Transunion and XXXX refuse to remove the charge against his credit. 
3 ) My son 's uncle died leaving a XXXX car subject to a note. XXXX Bank allowed us to assume the note. Immediately after his uncle 's death there were 2 late payments. When probate was completed and the car purchased and the note assumed, the 2 late payments were attributed to my son, who did not own the car when the late payments occurred. XXXX and Transunion refused to remove them from his credit report. XXXX rated my son at at XXXX. XXXX and Transunion rated him at XXXX and XXXX. Obviously these errors have had an enormous impact on his credit report, defeating his efforts to obtain a mortgage loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CLARITY SERVICES INC '' I do not recall authorizing or " someone is using my identity ''. I understand that " CLARITY SERVICES INC '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CLARITY SERVICES INC on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CLARITY SERVICES INC to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

CLARITY SERVICES INC - failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CLARITY SERVICES INC '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I got my annual fee on my Capital One spark business card this month. I called in on XX/XX/2020 and asked if they would waive the annual fee and they told me they can't. I told them if I they can't waive the fee then I would like to downgrade ( product change ) to a free version. The rep told me no problem and downgraded me to a card that earns 1.5 % cashback on purchases instead of 2 % like the spark business card I had. When I asked her after the product change to verify the fee was refunded, I was told it wasn't and can't be. I escalated to a supervisor who was just as unhelpful. I explained how the only reason I downgraded to a different card that earned less cashback was to get a refund on the annual fee. She told me there is nothing she can do and she won't refund the fee. I asked to cancel the downgrade and put me back on the Spark Business card that I originally had and was told no. I was misled and am paying the annual fee for a card I no longer have. I have attached the recorded phone call to this complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
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:
gm financial is reporting late payments on my account XXXX my account is set as auto pay. copy of confirmation of auto pay was provided to gm financial advisor. in early XXXX XXXX with the help of gm financial advisor same information was re entered and payments were made. late payments fee were removed and i was assured that account will reflect timely payments. now today ( XX/XX/2021 ) i am informed by XXXX  that late payment is reported. 
i think it is very unfair. I take my financial obligations very seriously. I am currently leasing two XXXX XXXX. i love driving gm products. gm financial please remove negative information reported incorrectly. Many Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-02
Company: Delbert Services
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan with Western Sky / XXXX / Delbert Financial Services. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: NC
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 did not open a XXXX XXXX credit card on XXXX/XXXX/2021. I did not use, authorize, or consent to my information being used to open this account.XXXX, XXXX, Experian have not removed it from my report. XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of 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 explanation