BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: DISCOVER BANK
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:
In XXXXXXXX XXXX XXXX, someone hit my credit report with 4 hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with Discover Bank. I tried to resolve the issue with Discover. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to Discover and they are currently doing an investigation on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo consistently picks and chooses what they will allow to come through when my balance is insufficient and is usually the higher dollar amount rejecting the lower dollar amount and then assessing multiple overdraft fees wiping out my check. I authorize overdraft for emergency situations when I need groceries or other items and I am short on funds but feel that Wells Fargo is in violation and using the higher amounts coming through to ensure their overdraft fees knowing I am unable to come up with the amount. Allowing one to come through, rejected two then allow another high amount to come through. My account is {$390.00} in the red with 3 overdraft fees assessed after allowing a large phone payment, a loan at {$100.00} to come through yet rejecting payments on loans while allowing the subscription fee to come through. I am sick of large overdraft due to how they choose to process and am looking to get a new bank as I now won't have money to pay bills that I needed paid this payday due their processing. This has to be illegal as I would never agree to allow {$200.00} + to be approved in just a few transactions and XXXX + overdraft. The extra day grace period is a joke as I can't come up with over {$200.00} between pay days and they know this. I am done and want this resolved. XXXX XXXX was willingly done on my part due to the threat of cancellation XX/XX/24 {$170.00} as it wouldn't be that much over, however they allowed XXXX XXXX charges to come through {$23.00}, {$13.00} and {$29.00}. An amount of a loan {$100.00} on XX/XX/24 and {$5.00} membership fee for XXXX yet rejected the repayment of {$53.00}. Recently allowed XXXX XXXX through for {$7.00} when my balance in the red over {$300.00} due to the XXXX {$35.00} fees assessed for the membership fee, XXXX and the {$100.00}. also rejected XXXX for {$55.00}. This is not good practice and they know a customer can't come up with that amount between pay days.

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 2022-12-06
Company: DISCOVER BANK
State: AR
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 had my identity stolen and submitted a police report to the XXXX, XXXX and XXXX. I noticed there are hard inquiries on my reports that i did not authorized. If there are accounts attached to these inquiries they are fraudulent as well and also need removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: CBC Companies, Inc.
State: OH
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 recently in the hospital for XXXXXXXX XXXX XXXX XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : Factual Data and also XXXXXXXX XXXXXXXX XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX Please delete the following fraudulent inquires : 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 Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless 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 2022-09-28
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 have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am trying to pay off my loan early and make automatic payments biweekly. I also want to pay more than the minimum payment. I have completed the required paperwork. ( They do not have this ability on their website. ) However, they have not updated my payment information. When I try to contact them via phone I get stuck in an endless deadend loop and am not able to talk to anyone. I did get a hold of someone once, and they said the issue was resolved. However, my payments still have not been updated. This is honestly the worst customer service and the worst internet interface of any mortgage company I have worked with. It's not the employees, but the processes are set up to indicate that they want to make it difficult to get 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 2022-09-28
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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a Brinks Prepaid Mastercard in the mail today with my name on it and an account number, and I never applied for one! 

I have no idea if someone else applied for this using my personal information or what, or if this is a really bad marketing ploy on their end! Either way, I think its wrong and Im really worried something bad is going to happen. 

Can you please help me? 

Thank you. 

Respectfully, 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XX/XX/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 2022-08-01
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:
All Dept EDXXXX accounts are reporting late payments : They each have 1 payment that were not caused by me. MY PAYMENT HISTORY IS ABSOLUTELY FLAWLESS. Also it violates 15 U.S. Code LAW 1681i ( 5 ) Removal of Inaccurate and Invalidated Credit Information. As I understand, Im supposed to receive notice within 21 days before a late payment happens but I was not informed otherwise I would have handled the issue.

AND you guys are violating 15 U.S. CODE LAW 1681e ( b ) - Compliance procedures maximum possible accuracy. All of these accounts including the student loans are not reporting the full account numbers which makes the account inaccurate. These are the accounts that are each reporting 1 late payment. 

1. DEPT OF ED/XXXX Account Number : XXXX 2. DEPT OF ED/XXXX Account Number : XXXX 3. DEPT OF EDXXXX  Account Number : XXXX 4. DEPT OF ED/XXXX  Account Number : XXXX 5. DEPT OF ED/XXXX Account Number : XXXX 6. DEPT OF ED/XXXX Account Number : XXXX 7. DEPT OF ED/XXXX Account Number : XXXX 8. DEPT OF ED/XXXX  Account Number : XXXX 9. DEPT OF ED/XXXX Account Number : XXXX 10. DEPT OF ED/XXXX  Account Number : XXXX 11. DEPT OF ED/XXXX Account Number : XXXX 12. DEPT OF ED/XXXX Account Number : XXXX 13. DEPT OF ED/XXXX  Account Number : XXXX 14. DEPT OF ED/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 explanation
Consumer complaint received 2022-09-28
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called Sallie Mae back in XXXX to let them know about financial hardship i am still experiencing after contracting XXXX while being XXXX  after i had to have an eXXXX XXXX XXXX XXXXXXXX to find some kind of relief options for me. I was told by my account manager that XXXX is pretty much not a thing anymore even as i held XXXXXXXX XXXX tests and XXXX XXXX XXXXXXXXXXXX XXXX  test result in my hand. I was then told to call back in XXXX to be considered for Forbearance. I called in XXXX just to be told that i would have to pay in order to be placed in forbearanceHOW? So I continued to receive at least XXXX calls daily as early as XXXX and as late as XXXX. I eventually started receiving email after email, and text after text but I cant pay anything if i am going through the worst time of my life financially. The calls continued to get really out of hand and we are now in the month of XXXX. I have tried blocking them but they continue to harass me even though I keep explaining that I cant do anything while on XXXX  and XXXX  months XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: OneMain Finance Corporation
State: FL
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:
XXXX XXXX has reported an inquiry on my credit report that I do not recognize. I reached out to the company by phone to remove this inquiry. However, the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NY
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:
I, XXXX XXXX XXXX XXXX never gave XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft

Company response to consumer: In progress
Consumer complaint received 2022-08-01
Company: LEXISNEXIS
State: MD
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 # Bankruptcy XXXX Bankruptcy 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
Consumer complaint received 2022-06-09
Company: Exeter Finance Corp.
State: FL
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 received an alert on XX/XX/2022 of an inquiry that I did not consent I quickly contacted the company and spoke to someone asking how was an inquiry placed on my credit report without my consent. I was told that I was shopping for a vehicle and I have no understanding on how this inquiry was added to my credit file because I am not shopping for any vehicle loans and havent ever since. This is a fraudulent inquiry and it should be investigated and removed. I have not given my consent digitally verbally or in writing to place inquiries on my consumer report there for that is a violation of my privacy rights and without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE

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 2022-09-28
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: CA
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 am a natural person, I am a living human being i have rights under 15 u.s.c 1681.

Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because:

According to 15 usc 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

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 XXXXdpt edXXXX XXXX XXXXdpt edXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Chime Financial Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chime Bank erroneously reporting available credit as recurring balance to credit agencies ( XXXX, XXXX, XXXX ) which has decreased my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I visited a few car dealerships In early through late XXXX and XXXX to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

Resolution : A fair resolution would be for all the above-mentioned hard inquiries to be removed immediately from my credit report on all 3 credit bureaus. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX 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