BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/22 I visited XXXX XXXX in XXXX, NC. The cashier promoted a rewards program for the store which we decided to sign up for. I should have become suspicious when the rewards program sign-up procedure included my social security number. It was not a rewards program, it was a rewards credit card that was opened in my name. This was very misleading advertising of the credit card. In addition, the cashier immediately put the charge for our purchase on that card without asking me. I had inserted my other card with which I intended to pay a bit earlier in the transaction and thought it was going there. He never said anything about authorizing payment to the new card. At that point, I didn't even know I had a new card. 

The credit card is a " XXXX XXXX '' credit card managed through Comenity. I have messaged them about cancelling the card and am awaiting a response. 

I realize my one complaint isn't much but I'm hoping if this is a widespread problem that more people will complain and something can be done. Please let me know if you have any questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-12-03
Company: Rocket Mortgage, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2022 an account with Rocket Mortgage was listed on the XXXX XXXX credit report. I have never done business with this company as this is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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 fraud alerts or security freezes

Complaint:
I contacted Transunion several times to remove the fraud alert off my credit. I can not even get access to my free transunion credit report because they keep requesting the same docs to be mailed to them to confirm my identity, which I've done 5x already and they refuse to give me access to the credit report and remove the alert that I asked for. Please contact them to take care of this. This is beyond frustrating. I mailed them a copy of my id, ss card and a bill with my name and address on it 5x.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Arapahoe Motors
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
After finding a vehicle I liked at a local dealer, I was excited, I went and put {$9800.00} down as well as traded in my car. A short time after, I got a call that the dealer was taking the car back due to financing not being approved. In the meantime, they had sold my trade-in and refused to give me any of the {$9800.00} back that I had put down, citing a $ XXXX XXXX fee in addition to any wear or tear. They charged me this even though it was specifically outlined in CO code that this is not an acceptable practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: In progress
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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 filed complaint XXXX on or around XXXX XX/XX/2022 indicating that the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) had supplied Equifax with XXXX information for a credit card account and a line of credit ( revolving student loan ). It is now XXXX XX/XX/2022. Clearly, Equifax did not read documentation and used eOSCAR to conduct automatic update of information from the data furnisher with whom I am disputing payment history. Equifax has been made aware that the data furnisher violated Regulation Z and Regulation F, the XXXX, the FDCPA, the FCRA, and the XXXX. Equifax received a copy of the complaint I sent to the office of my state 's attorney general and the US Attorney 's Office for my district, which cites the specific state and federal law violations. Yet, having received those complaints and the copious documentation supplied, some of which includes documents from the data furniser acknowledging a system failure that caused months of no delivery of electronic statements OR paper statements, Equifax has persisted in the invalid/incomplete information claiming the data furnisher " verified '' the accuracy of the information. I Included documents with complaint XXXX ( screenshots ) showing the data furnisher 's system indicating not only XXXX ( XXXX ) access to paper statements and electronics statements, but the records showing I had XXXX ( XXXX ) accounts for the periods in he data furnisher supplied Equifax with information regarding late payment history and charge-off. Equifax is persisting data that indicates I failed to pay on an account through charge-off, when Equifax has the documentation from the data furnisher indicating the furnisher DID NOT bill me, allegedly fixed the problem, only for the probelm to return, causing the accounts to subsequently be charged-off. Based on a preponderance of the evidence supplied to Equifax in complaint XXXX, Equifax knows XXXX or SHOULD know, ( should have reasonable suspicion to believe based upon documentation supplied ) that the information supplied by the data-furnisher is incorrect. Yet, Equifax persists the invalid and/or unverifiable information. With just the statement here I have cause to sue Equifax. Instead, am requesting this matter to be resolved using this CFPB process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I input my social security number on the Wells Fargo website and it processed. Then I input my DOB-XXXX and it didn't work. I figured out the DOB being used on the account was XX/XX/XXXX. After inputting both the social and DOB to gain access to the account, the log in website requires a the account, credit card, or debit card number. I do not know it. There are two other compalaints I filed with Wells Fargo with email address XXXX. There is also a beneficiary account under my social security number at the Wells Fargo. I am not on good terms with relatives so they will not tell me and have not told me since the account was open. I walked into to the Wells Fargo in the XXXX of XXXX to find further information on the account, but was disserviced. I provided my birth certificate, social security number, license at the time- I have a new one, and they gave me the run around. For that reason I have not called or walked in again. Doing so, would only alert them to delete or tamper with the accounts to hide what it is they got going on. Since its my mothers account and she recieves wages from social services for adopting kids, the beneficiary account is being tagged along to make it more difficult to access. In worse case, they could be doing some white collar stuff to keep this from me. In any case, I am familiar with FDIC insurance and liability policys that banks must follow and will file a complaint with them as well. Since mother was mislead, she is not at fault for the negligence on the proffesional side.

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 2023-08-30
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Alert Derogatory Account Reported By Allied Collection Serv Reported On XX/XX/XXXX Account Balance {$1200.00} original phone call XX/XX/XXXX. on the same day went to they office. they have failed to provide communcation statement, my account associate with the debt, an itemization of current amount interest, fees, payments and credits since a particular date. and information ath i can reply to debt collector. i have called 4 more times on the same day since their office has failed to provide above documents. allied collection serv has not mail me updated document as of today XX/XX/XXXX. 
i have my over a dozen phone calls request the same documents during the period. i have been told all different story about the documents, i have been hang up multiple times. they will not be able to explain the debt.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXXXXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: NY
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX  XXXX {$1900.00} - - - XXXX XXXX XXXX XXXX XXXX {$170.00} has violated my rights. 
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 : It also states a consumer reporting agency can not furnish a account without my written permission

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 2022-09-23
Company: Experian Information Solutions Inc.
State: WV
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:
on XX/XX/2022 I checked my Experian account and seen where they had a wrong address on file for me, I disputed it because we have never lived on XXXX  XXXX, they said it was fixed, checked the status and it's still the same, they changed nothing. Also seen on Experian that they are using my husbands SSN, It wouldn't let me dispute it. Why is his SSN on there? Went back and looked at my personal information and now there are No SSN in that profile. I know what i saw, Experian is the hardest credit reporting agency to navigate. I also tried calling, had a computer the entire time with No options to help me with the SSN on my account. Any help you can give me would be great because getting right info to fix problems on Experian is not an option. Had also filed a dispute about wrong name on a medical bill, Said XXXX XXXX ... .but since they had my SSN they just changed the name on the report and added it to my credit.

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 2023-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
Bk of XXXX. 
XXXX Bank XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX CR/Dodge of XXXX XX/XX/XXXX XXXX 
Bank XXXX XXXX XX/XX/XXXX. 
XXXX Fed XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1. ) On XX/XX/2023, a fully endorsed and completed and signed Wells Fargo Bank ( XXXX ) check ( # XXXX ), was made out to XXXX XXXX XXXX and XXXX XXXX. XXXX, in the amount of {$280.00}, and was stolen out of my home mailbox in Maryland. 
2. ) On XX/XX/2023, the criminal presented stolen/ washed / altered WFB check # XXXX for deposit at an ATM at a XXXX XXXX  in XXXX Maryland. 
3. ) On XX/XX/2023, I received my WFB XXXX bank statement, which showed that stolen/ washed / altered WFB check # XXXX was deposited - at a XXXX XXXX  - made out to a criminal named XXXX XXXX, in the amount of {$14000.00}. 
4. ) On XX/XX/2023, WFB was notified @ XXXX - to report stolen/ washed/ altered WFB check # XXXX - is check fraud / forgery, and given ref. # XXXX. 
5. ) On XX/XX/2023, the check fraud / forgery of stolen/ washed/ altered WFB check {$2600.00} was reported in person at a WFB, with ref. # XXXX. WFB assured a complete / concise / accurate / competent review of the check fraud claim. 
6. ) On XX/XX/2023, the check fraud claim was DENIED AND CLOSED! 

I have completed : an online FBI/U.S. Postal Inspection Service report ; an in person WFB Affidavit Check Fraud form ; and in person interview and XXXX XXXX Maryland police report. The detective doing my interview, stated without question ( comparing WFB # XXXX - to other checks that I had written to pay my insurance premium ), that the stolen/ washed / altered check, is an obvious fraud / forgery. 

I have repeated : In person, to many WFB employees - that the stolen/ washed / altered WFB check # XXXX is a fraud / forgery ; via multiple emails, fax, and telephone conversations that stolen/ washed / altered WFB check # XXXX is a fraud / forgery. My local WFB branch associate, like the police detective, stated that the stolen/ washed/ altered check was an obvious fraud / forgery. 

I am a 40 year WFB customer in excellent standing, with three separate accounts. and my COMPLAINT is this : 1. ) WFB ( the Claims Assistance Center ) refuses to acknowledge that WFB stolen/ washed / check # XXXX is a fraud / forgery ; 2. ) XXXX XXXX  has deemed WFB check # XXXX is a fraud / forgery, and has not released the {$14000.00}, but Wells Fargo Bank has NOT DETERMINED stolen/ washed / altered check # XXXX is a fraud / forgery ; XXXX. ) Wells Fargo Bank refuses to request the {$14000.00} back from XXXX XXXX- so now my WFB district manager, has taken the conflict / review to " an executive " level - in order to get the {$14000.00} back ; 4. ) How is this happening?

5. ) Why?

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 2022-04-25
Company: Experian Information Solutions 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-08
Company: EQUIFAX, INC.
State: UT
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 # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation