BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$320.00}

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 non-monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I complained about my account with the credit union because it has a credit card that I never had and though it was paid off and closed. My money was removed from my account and it was paid for without my permission. I filed a identification theft report to the police department.And I gave it to the XXXX XXXX XXXX XXXX and its still reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I did not receive the " {$0.00} Plan It fee '' offer that was advertised on my American Express Platinum Card, despite having complied with all terms. The " Plan It '' program allows cardmembers to split up their balance into monthly payments over the course of 24 months each with a fixed fee instead of the monthly interest charge that credit card issuers traditionally charge. On my particular account I was offered a promotion that states " your monthly fee for any new plans created from XX/XX/XXXX to XX/XX/XXXX at XXXX MST ( the 'promotion period ' ) will be {$0.00} for the duration of that plan. '' In other words, an offer for XXXX XXXX interest for 24 months ( i.e. the plan duration ) on any charges made during that period of time and enrolled into the Plan It program. I have been offered similar promotions on my other American Express cards in the past, and have successfully taken advantage of them without issue. On or about XX/XX/XXXX, I charged {$16000.00} on my American Express Platinum card and chose to use this card SOLELY because of the availability of the Plan It promotion. But for the offer of 24 months with a {$0.00} Plan It fee, I would not have made the charge on this card. Yet now that the transaction has posted, I am unable to create the plan and split the charge up into 24 monthly payments with a {$0.00} Plan It fee as was advertised. When I contacted American Express by phone on XX/XX/XXXX and spoke with a representative named XXXX XXXX, I was told that this is because the charge exceeds my " Plan It limit. '' Yet the " Promotion Terms & Conditions '' does not disclose any such Plan It limit, nor even suggest that one applies. To the contrary, my card states it " has no preset spending limit '' and while American Express reserves the right to decline a charge if it exceeds a certain amount such that the spending limit is not theoretically unlimited, this charge was approved. Nor has my prior experience with the {$0.00} Plan It promotion given me any indication that this would have been an issue, as this {$16000.00} charge is LESS than the more than {$20000.00} in {$0.00} fee Plan It plans I had previously created during or about XX/XX/XXXX ( and have almost entirely paid off ) on my American Express XXXX XXXX  XXXX. American Express should promptly enroll this charge into the 24 month Plan It program with the {$0.00} fee as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to 3 other credit agencies, SANTANDER CONSUMER USA, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX Loan # XXXX - Paid in Full on XX/XX/XXXX I sold the home at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX on XX/XX/XXXX and wired funds in full to XXXXXXXX XXXX and paid off the loan in full. Experian credit reporting company has not updated this account and is still reflecting an open account with very large balance. 

I am purchasing a new home and closing on XXXX and this account is significantly reducing my score and prohibiting me from obtaining the interest rate reduction with my new lender. XXXX and XXXX have corrected the account. 

I phoned Experian and was told to contact XXXXXXXX XXXX to have them contact Experian directly to correct. XXXXXXXX XXXX is saying they reported the correction on XX/XX/XXXX to Experian, but can not provide me with any documentation. Experian is saying they can not locate any such correction reporting and can not fix without this. 

I am getting the runaround by both XXXXXXXX XXXX and Experian and need this completed immediately so that I can close on my new home. I do not have 30 days to wait for a dispute!!!!!!!! The loan was paid off almost 2 months ago! 

I am suffering significant financial damages in being forced to take a higher interest rate on my new home loan because of this inaccuracy. By law XXXX, this needs to be corrected. 

Please direct me to the person that can handle this error immediately and have the Experian credit report updated so I can proceed with my closing.

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 2022-06-28
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to XXXX other credit agencies, XXXX XXXX XXXX, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wells Fargo blocked my ability to send payments but would not tell me why. They lie and obfuscate. I launched three separate inquiries with them over the blocking of my use of XXXX XXXX XXXX XXXXand each time they told me they could not help and I would have to talk to XXXX. They would not help me get the use of it reinstated and acted like they had nothing to do with it. XXXX says it was all Wells and that they can not help me and I have to go talk to the bank. Neither one will help me, neither one will give me a straight or honest answer as to why it was blocked. Each one says it is the other. I think it is wrong to block a customers access to the service and lie about it. They should have to be transparent because it is my access to service and my credit that is affected. I have since moved nearly {XXXX XXXX  out of Wells Fargo after 30 years of being a customer. And XXXX should not be able to block me without explanation. Both companies are not acting with responsibility or transparency and are breaking the public trust when they are allowed to do business like this and not be held accountable. I have been very inconvenienced and put in a bad position as I have been able to send payments for 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 explanation
Consumer complaint received 2022-06-07
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity.

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-06-28
Company: Experian Information Solutions Inc.
State: PA
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/22 I mailed a credit dispute letter off to Experian in regards to a number of accounts inaccurately being reported onto my credit report. It was received and on XX/XX/22 FOUR days after the 30 days that the investigation should have been completed by I received an email stating that my dispute results were ready ( see attached proof ). 

I viewed these dispute results and according to Experian they accounts disputed have been verified though they did not provide names, addresses and telephone numbers of individuals contacted during your investigation that helped verify these accounts per request which violates my rights according to FCRA 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ] and 611 ( a ) [ 15 USC 1681i ( a ) ]

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According with the fair credit reporting act XXXX account XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: HW Holding, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was injured at an apartment complex in XXXX XXXX, CO and became XXXX after falling down a flight of stairs. I have disputed the validity of the debt since inception and the debt collector has ignored my repeated attempts to put a stop this harassment. 

I have attached a copy of the most recent correspondence that has been sent to the agency requesting that they cease and desist all action on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief