BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
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:
This is my XXXX 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX Date Updated XXXX XX/XX/2015

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have reached out to all of the following companies and Transunion by mail and by phone more than two times. I have fraud alerts on my accounts and I am supposed to be contacted before credit is approved to be pulled as a hard inquiry. I have fraudulent Hard Inquiries on my credit report and I would like them removed immediately so they do not continue to negatively impact my life. They are as follows - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have been impacted my identity theft and these erroneous inquires have been making it impossible to live my life with my family normally. We couldn't apply for anything that we actually need to. It is not fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
These inquiries should not have been made to my credit report. I have attached emails and letters from bank as proof I dint authorize. 


XXXX XX/XX/XXXX XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX Automobile Dealers, New XXXX, I XX/XX/XXXX XX/XX/2019 Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XXXX Auto Financing XXXX XXXX XXXX All Banks XXXX XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX XXXX. 




XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX All Banks XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In 2016, I be came very sick which resulted in me becoming XXXX   forcing me to retire on Social security XXXX. I immediately contacted my creditors and was told about various programs that could help. I applied for a loan modification for my home equity. To qualify I had to go on a trial period for a number of months to show I could at least make the new payments. Unbeknownst to me I was still being held responsible to make the higher original loan payment at the same time. I couldn't afford to pay both payments thats why I was applying for modification. My credit suffered, over 30, over 60 and over 90. 

After successfully completing the trial I was offered the modification with late fees that had accrued were waived. I carefully read through the document there was no mention of late fees or time they would accrue going forward. 

So as my social security benefit went to my bank I was able to pay the agreed upon amount. 

Now that this loan was given to Specialized Loan Servicing and later sold to another investor. I am being charged a {$39.00} late fee for a payment made in the same manner as I did in the past. The terms in the agreement supersede all others. So why now am I know being charged fee when here is NO mention of it in the agreement I signed? 

I tried calling customer service at Secialied Loan Service but could never tell my story because the asociate keep talking over me and would not listen to the problem. The manager I asked for never returned my call. 

Attached are statements showing I was NOT charged a late fee.

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 2020-02-17
Company: Experian Information Solutions Inc.
State: NY
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:
Experian, I have contacted you several times about this and i am very upset that these inquiries still remain on my credit report that i stopped paying for my monthly credit report with your company since you don't care. 
These inquires below are not mine! I have contacted the business phone numbers on my credit report and the businesses say they are NOT reporting! Please remove these inquiries. 
WHO ARE THESE PEOPLE? WHY ARE THEY ON MY CREDIT REPORT?? 

EXPERIAN XXXX CRED Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX   XXXX XXXX XXXX, CA XXXX XXXX  XXXX   XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX/XXXX  Finance  Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX THESE BELOW ARE FROM MY BANK ON THE SAME DAY! I SHOULD HAVE NOT HAD TWO INQUIRIES FOR THE SAME THING ON THE SAME DAY! I'M ALLOWED TO HAVE 1 INQUIRY FOR 30 DAYS FOR SAME BUSINESS. 

XXXX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX   Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2020-02-17
Company: EQUIFAX, INC.
State: AR
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:
My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Accounts ending in XXXX, XXXX were opened as a result of Wells Fargo reps sales pressure tactics to boost company profits, a XXXX XXXX settlement was made as a result of this. I received a payment in the amount of XXXX from this settlement and most recently, a separate amount of XXXX which as I suspected, does not cover all fees charged to accounts in question. My accounts with Wells Fargo were closed prior to settlement, I did not have access to them in order to view statements as well as fees charged to them ... Recently, I requested copies of statements through a complaint with the CFPB, it was marked as duplicate when in fact it is not. I believe Wells Fargo rep marked it as duplicate in order to avoid providing the information because it clearly shows their settlement and payments made are inadequate. A separate complaint was made to the OCC ( Office Of Comptroller Currency ) to obtain statement copies, which were received today on XX/XX/XXXX. The total in fees I show is XXXX, XXXX charged to account ending in XXXX, XXXX to account ending in XXXX. The settlement made by Wells Fargo appears to be made as a means to remedy, not resolve the issue pertaining to their high pressure sales tactics and fees charged thereof.. These accounts were opened as a result of constant recommendations by Wells Fargo customer service reps to open a second account for bill pay use, overdraft fees were charged to these accounts since opening when in fact I did not even need these accounts. I've attached a copy of statement showing these fees. Payment has been made in total to date in the amount of XXXX, XXXX from settlement, a separate payment in the amount of XXXX. I believe I am owed XXXX in total, not including fees from savings accounts linked to these accounts. I have reasonably deducted total payment received in the amount of XXXX for a total of 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 monetary relief
Consumer complaint received 2022-08-27
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company ( XXXX XXXX ) falsely stated that I have not been paying my debt in the last complaint I filed I have been paying on time ( see attached bank statement ). By making these payments I have not acknowledged this debt to be mine, In fact I have paid these payments because AmerAssist A/R Solutions has threatened myself and family with arrest and negatively reporting to my credit ( see attached email proof ) I tried to explain that this debt is from a Fraud case that has been proven by other credit card companies is not my debt. With proof from a letter from the credit card company., This debt was from a identity fraud case and AmerAssist A/R Solutions is still is actively trying to collect. 

I have now contacted the XXXX XXXX XXXX and FTC with AmerAssist A/R Solutions as the Fraudulent debt collector,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: OH
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  Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: CITIBANK, N.A.
State: MS
Product: Credit card
Issue: Payoff process

Complaint:
In XX/XX/XXXX I purchased a computer from Best Buy on a promotional balance of 12 months no interest for {$1300.00}. on XX/XX/XXXX I made a regular purchase of {$100.00}. On XX/XX/XXXX I made a regular purchase of XXXX and I made a return on XX/XX/XXXX for ( {$81.00} ). I made a regular purchase for {$120.00} on XX/XX/XXXX and on XX/XX/XXXX I made a regular purchase of {$37.00}. Beginning in XX/XX/XXXX I was making payments well above my minimum to pay off my promotional balance before it expired in XX/XX/XXXX. To be exact {$100.00} payments were made from XX/XX/XXXX-XX/XX/XXXX and in XX/XX/XXXX I paid {$25.00}. In XX/XX/XXXX {$510.00} in payments were made. In short, I paid {$1300.00} in payments from XX/XX/XXXX-XX/XX/XXXX and on my current statement they 've charged me {$260.00} in interest for my promotional balance and they are telling me that I still have a promotional balance of {$190.00}. They chose to appy the bulk of my payments to the regular purchases of {$290.00} instead of applying my payments to my promotional balance so it would be paid off before the expiration. When I called today to speak with customer service the agent told me that she would use the payments that I 've made in excess of the minimum payment and apply them towards the promotional balance and remove the interest charge. I asked for a supervisor and the supervisor told me that she would n't do that and I had to pay the {$190.00} promotional balance before XX/XX/XXXX or they would not remove the interest charges. I will NEVER use this card again! This is highway robbery! I am beyond frustated and angry.

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 2017-04-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XX/XX/2017, at XXXX EST, I called in to confirm my account information, Navient 's address and zip code so that I can start making payments again on my private loans. I got agent # XXXX on the line, who asked for my information as usual. I explained why I needed the requested information and requested that he confirm my account number and the address for Navient to send the payments. I was not mailing a check in, and as I stated to him on the phone, I needed the information to be able to pay the amount through my Bank 's bill pay service. The agent informed me about the balance, for which I would like to state has changed every time I speak to a representative. The amount went from {$1300.00}, to {$900.00} and as he stated, {$1000.00}. I have had numerous issues with Navient, and I explained this to him so that he can understand that I will not be using Navients service to pay the bill. the agent asked was I going to make a payment on that day, and I informed him that I was not able to provide him that information. I stated for the record that I did not and will not confirm an amount since I was only calling to get the billing information needed to be able to pay my bill. The agent got upset, and began to raise his voice and demand that I tell him an amount. He refused to provide me the information I was requesting and ignored the fact that I only called to get information. I asked him to give me the information or put someone on the line that will. He ignored me and continued to ask for an amount. I told him if he does n't provide the information, I will file a complaint. He then stated why do n't I tell them about the balance I owe on account for that matter. This man was very rude and extremely disrespectful and refused to give me the information. I had to disconnect the line and call back in to get the information I needed. I am concerned. Navient has already done things on my account that I did not authorize, and now I am dealing with agents that think its okay to speak to me however they please. I do not want someone like this to have access to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: ALLY FINANCIAL INC.
State: AZ
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 have reached out to all of the following companies and XXXX by mail and by phone more than two times. I have fraud alerts on my accounts and I am supposed to be contacted before credit is approved to be pulled as a hard inquiry. I have fraudulent Hard Inquiries on my credit report and I would like them removed immediately so they do not continue to negatively impact my life. They are as follows - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Ally Financial, XX/XX/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 Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX I have been impacted my identity theft and these erroneous inquires have been making it impossible to live my life with my family normally. We couldn't apply for anything that we actually need to. It is not fair.

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 2020-02-17
Company: Key 2 Recovery, 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: Account information incorrect

Complaint:
I sent them a debt validation letter and their response was not an adequate validation of the debt. 
I have tried to upload the many documents I have including the certified mail tracking. It will not let me upload. Please contact me to get these documents for your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Call Trans Union customer service they were not willing to help did not authorize inquirys would like credit bureau to provide name number and extension and reason inquiry is not deleted here is a list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-02-17
Company: EQUIFAX, INC.
State: AR
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 was online and I applied for a personal loan, that I got due to a low credit score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a witness of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: PNC Bank N.A.
State: NJ
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:
my account is overdrawn because they paid a charge to XXXX when I did not have overdraft. Why did they do this? I called the customer service line was on hold for over 30 minutes when I spoke to someone who was of no help. I send email to PNC and received a call from someone who said they will keep an eye on the account and call me back - I never received a call back. The charged had dropped off my account and magically reappeared not sure why.

Company response to consumer: Closed with explanation