BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I understand that pursuant to 15 usc 1681 ( a ) ( 4 ) the credit reporting agencies did not exercise there grave responsibility with fairness. They was completely unfair, and impartial. They even in fringed upon my right to privacy. Proof of this is they furnished multiple transactions which they can't even prove took place, and never even consulted with me through email, phone or mail to get proof these inaccurate transactions took place. Then what make matters worse they solicited and advertised these transaction for anyone to see. This is irresponsible, unfair impartial and infringement upon my right to privacy. They broke the law...

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 2022-09-08
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL 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 2017-06-20
Company: WELLS FARGO & COMPANY
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained an auto loan for a XXXX XXXX XXXX from Wells Fargo Dealer Services. I put {$5000.00} down. It was a five year loan, so originated in XX/XX/XXXX or so. In XX/XX/XXXX,  vehicle was towed, and I could not locate it. The towing company insisted on the title, which remained with Wells Fargo. They were unhelpful. I later learned that dishonest tow companies do this sort of thing, and apply for a salvage title. I continued to pay Wells Fargo through most of XX/XX/XXXX, but finally, defaulted, because a ) they would not assist me in proving title, and b ) there was only {$5000.00} or so left on the loan, and I thought they could retrieve their collateral. I occasionally question Items on all three credit reports. In the past, Wells Fargo sends in a proof of claim, and it stays as is. I did it again in XX/XX/XXXX.  WellsFargo Dealer Services reacted with XXXX, XXXX, and XXXX by moving the default date up to XX/XX/XXXX, changed the amount due to {$7000.00}, and do not mention my original amount due and paid. So, it looks as if I just defaulted on an entire loan. This violates the Fair Credit Reporting Act, and immediately reduced my FICO score by 40 points. I have complained to them, but do not expect any follow up action. Given their fraudulent credit cards exposed recently, I think that the culture there is rotten throughout. There is no way I can really be made whole. I am going to buy a share or two and attempt a shareholder 's derivative suit, as wells as sue in Federal Court for these violations, but know that I can not stand against this " too big to fail '' behemoth. Please assist. I am not alone here, just feel like it. I do not want money, but rather someone to stop Wells Fargo from consumer lending, and the Board of Directors answer for this rotten culture. The should be removed for fiduciary violations and corrupt practices.

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 2021-09-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I Have requested a conditional lean release from Shellpoint Mortgage on my Mobilehome property to close a sale, initial request was made XX/XX/2021. Information has not been provided after several calls made to Shellpoint and talking to at least six different contacts. The sale of my home is in serious jeopardy as Shellpoint has failed to comply. This matter needs to be addressed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
It is for my XXXX XXXX card that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX XXXXhey said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor

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 2017-06-20
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX someone stole my identity. This women went into a Victoria 's Secret in Rhode Island asked the cashier to do an instore look up on my account and charged a total of {$5700.00} on my existing account. Before these fraudulent charges my account had a XXXX balance for 2 years. This women never had possession of the actual card when she made these purchases.I called Victoria secret to report this when I found out on XXXX and followed up with a letter. A few days later they sent me a fraud packet to fill out which I did and sent it back. I provided them details of the fraud charges, a copy of my police report, copy of my identity theft report, and gave them the police officers contact info to obtain a copy of the store security tapes showing it was not me who made those purchases in the store in a state 300 miles away from where i live.They are reporting the {$5700.00} charges to my credit report and it dropped my score a lot. To date they still have not resolved this issue and it 's past 2 billing cycles. When I call for a status I 'm told they must keep their investigation open for a full 90 days and that additional info is needed but refuse to tell me what else they need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Credit Systems International, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I did not received any notices about this alleged debt. They flagged my credit report without notice. They are also not licensed to collect on this alleged debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The account below was added to my XXXX credit report. This is not mine, and I have reached out to the number and address, for more information and verification and have been ignored. 
In addition, this agency is being investigated and sued by FTC ( see image for fake collections ). When I called them they threw threats and court and issuing of a summons to be delivered to my employer. Immediately remove and delete this from my credit file. I have never heard or had any business with company. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX : {$1000.00}

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 2021-06-10
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:
I submitted my letters to the credit bureaus to investigate charged off accounts that are not my accounts as well as another persons information listed as mine. I have submitted and asked for deletion of that information and have not received a response nor deletions in the timeframe allotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 disputed with the credit bureaus as well as Portfolio Recovery Associates, XXXX XXXXXXXX and XXXX XXXX ( XXXX XXXX ) to validate and account that they claim belongs to me, they sent me a letter on company letter head stating that I owe the debt to the name XXXX XXXX. They have no other identifying factors to validate the debt. They are in violation of the federal and the state Fair Debt Collection Practices Acts by not providing how these debts were validated and no contract with a signature, not even an electronic signature. 

XXXX Account Number : XXXX PORTFOLIO RECOVERY A Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$540.00} -Late/Closed Late Date 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 2022-02-16
Company: Experian Information Solutions Inc.
State: PA
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 a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-03-11
Company: REGIONS FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 I attempted to use my new " XXXX XXXX XXXX '' to pay a vehicle repair bill of {$2200.00}. The card was declined. I called customer service and they informed me that my limit was {$500.00}. I told them that in order to use this card to run my business I would need a higher limit. They raised my limit to {$5000.00}. They also informed me that my billing cycle was 7 days. I told them I needed it to be 30 days. They said they will take care of that and I will receive a confirmation email. I never received an email and 2 weeks later they charged me a {$270.00} late fee. I was then charged a {$5.00} high risk fee. I paid the bill of {$2200.00} but not the fee. I called customer service and requested the late fees to be dropped. They said they can't drop them but will credit the account the amount of the fees but I still need to pay them. I no longer want to do business with this company and want my balance to show {$0.00}. How many people have been charged {$270.00} for a late fee. I feel like this should be a lawsuit situation.

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 2017-06-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A letter was sent to my house today XXXX XXXX 2017 ( date on the letter XXXX XXXX 2017 ) which states I opened an account and they are closing it due to serious delinquency. I never opened an account with this online store ( amazon.com ) or the bank behind it ( Synchrony Bank ). I called their fraud department and they asked me my social security number, which I refused to give but gave last four digits so they can find the information about the fraudulent account ) so far, they said no account was found with my social security number but they reported me to XXXX, which lowered my credit score I am trying to ameliorate. The person I talked to, also tried to get my father 's social security number, we have similar names. I never opened an Amazon store credit card and definitely never plan to do so.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$540.00} -Late/Closed Late Date 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 2022-07-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 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 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 XXXXXXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2010 I had a bank account that was closed out due to INSF funds, under the amount of {$500.00}. This account was charged off and sold to a collections company called XXXX XXXX XXXX. A woman by the name of XXXX XXXX using the phone number XXXX XXXX XXXX when she contact my workplace multiple times as well as a relative who she told several details of the account to. She told me that I have less than a week to come up with a balance higher than the money owed to the bank, or I would be served and prosecuted for felony bank fraud and have my workplace contacted and my wages garnished. She stated that she represented US Bank as the client who was suing me, but failed on multiple requests to provide me with proof of debt or her own identity.

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