BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. 

I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution. 

To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I settled my account with XXXX XXXX XXXX and would like for this information to be removed from my XXXX and Transunion Credit Report.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: DE
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/XXXX I contacted Experian about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$420.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} XXXX, XXXX XXXX XXXX ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} ), XXXX XXXX ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-11-07
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/XXXX I sent a letter to Experian explaining that the statue of limitations has EXPIRED. The account was opened on XX/XX/XXXX. This is past the 7 year statue of limitation for credit reporting. Also the account is paid in full and it is still showing CO for " charge off '' this is affecting my ability to get a job and credit. PLEASE REMOVE COMPLETELY.

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 2022-12-08
Company: Experian Information Solutions 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:
I am intrested in disputing all unauthorized information on my credit report with Experian. checking my file ive noticed alot of invalid information that is hindering my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am in the PSLF program. My federal student loans were previously serviced by XXXX XXXX prior to being transferred to Mohela. My complaint is against Mohela. 

Prior to the XX/XX/2022 PSLF waiver deadline I submitted a PSLF application and a loan consolidation application. Because my loans were being transferred a third servicer, XXXX, processed my consolidation. It was complete XX/XX/2022. Mohela showed the correct total of my loans shortly after that consolidation was complete. I realized I needed to add a couple additional loans to the consolidation and was within the 180 day window. Mohela advised XXXX would process my Add-loan application. I received confirmation they completed that application XX/XX/2022. Shortly after my add-loan application was submitted my balance on Mohela 's website changed and I only see the loans that were previously consolidated. The loans that were added are not visible. This also reset my PSLF count so I now have no idea how many months I have credit for. 

I have contacted Mohela multiple times about updating my add-loan consolidation to show an accurate balance but they continue to give me excuses as to why it's not yet complete. I have uploaded the documents from XXXX showing the completion as well as total balance, I have called and done a conference call between Mohela and XXXX, I have submitted complaints internally with Mohela, I have spent countless hours on hold and speaking with multiple representatives as well as Supervisors at Mohela. I have been told the process can take 30-60 days and also 60-90 business days, either way it has been more than that since my add-loan application was completed by XXXX. Mohela can not tell me when it will be complete or why it's being delayed. 

Attached to this complaint are six pages of documentation from XXXX confirming the data and dates described above. I have submitted this information to Mohela also but still have not received an update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still presenting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed account which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct and update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
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:
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. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : Account # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Delete this account.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022, I first sent a letter regarding inaccurate and unknown things on my credit report, and on XX/XX/XXXX I sent a follow-up letter regarding the same inaccurate reports, to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, and seeing as how it has been over 60 days they should be removed. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Citizens failed to close my account as instructed, back when I had brought my account balance to XXXX. That allowed merchant XXXX to continue charging my card despite my instructions not to. Due to Citizens ' failure to close my account as instructed, XXXX was able to post another {$30.00} to my card. I reported the unauthorized charge to Citizens and reiterated my instruction to close the account. Instead, Citizens piled on its own fees and charges, nearly doubling the purported balance up to {$59.00}. Citizens stubbornly continues attempting to collect this alleged debt that I do not owe. Citizens seems determined to keep allowing and imposing charges for which I am not responsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with 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/2020 I applied for a credit line increase on my XXXX XXXX XXXX card with XXXX XXXX. XXXX XXXX notified me that they were unable to pull my credit report because of a security freeze. I informed XXXX XXXX that they in fact did pull my Transunion credit file on XX/XX/2020. Upon investigation by XXXX XXXX, I was informed that there was no credit pull made by XXXX XXXX  on my Transunion credit file. XXXX XXXX indicated in order to process my credit line increase, I would have to remove my credit freeze and allow them to pull a credit report from Transunion. At this time, I notified XXXX XXXX I was unwilling to do so and that the credit inquiry made by XXXX XXXX on XX/XX/2020 should be removed, as XXXX XXXX  indicated that they were unable to process my credit line increase because they did not receive a credit report from Transunion on XX/XX/2020. XXXX XXXX did not process an application for a credit line increase on my XXXX XXXX XXXX card and therefore the inquiry made by XXXX XXXX on XX/XX/2020 was unauthorized. As of this date, I have not received any written notification from XXXX XXXX that it processed a credit line application from XX/XX/2020 which would be a violation of the Fair Credit Reporting Act if in fact the Bank had processed an application.

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 2022-07-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX was kind in outlining specific information related to my credit report that was overlooked by American Express when making a decision about my request for a credit line increase. This information proves, American Express used incorrect and invalid information about me that could be construed as prejudicial, when refusing to increase my line of credit. XXXX could find no excessive inquires ( there are none on my report ) and they report no negative marks on my credit ( AmEx said there were ). Because of this and the information provided, I am demanding American Express to do the right thing by increasing my lines of credit for both XXXX XXXX XXXX XXXX XXXX. 

Here is the actual response from XXXX : Company 's Response Thank you for submitting your complaint on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. As you state in the CFPB portal, you indicate that a creditor denied increasing the credit line for two of your accounts, they gave you the reasons for that decision, but it seems that is not the information reflected on your XXXX report. You want the creditor to have the incorrect information corrected. We would like to inform you that on the report there are not any late payments reflected. We do not grant or deny credit. Each credit grantor makes that decision based on its own guidelines. Consumer credit reporting agencies only store information from credit grantors and information contained in public records and supplies this information to other creditors. They also mentioned that a reason for being denied is because there are too many requests for credit, however, we do not have any recent applications reflected on your XXXX report. We are in the process of mailing you a current copy of your personal credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. About the score, it is a number lenders use to help them determine your creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a service connected XXXX veteran at XXXX XXXX. I have a VA loan at 2.6 % I asked XXXX XXXX  XXXX for a cash out Refi and then refused the deal because it was a bad deal. I applied for co-vid forbearance prior to this and it was paid in full but asked for an extension and it was granted until XX/XX/2022 by the mortgage servicer PHH. Since asking for the extension they transfered my loan to another service provider and then are demanding payment in full and tacking the next months payment into the last statement a week before it is even due as well as 2 phone calls asking where is all the money. I have the forbearance letter from PHH and and I had a plan to catch up the payments within that time frame given although it is supposed to be longer. This company is running a scam! I have contacted the VA and also going to file with the state and US attorney General!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: LA
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 debt with XXXX  XXXX  XXXX  account was paid and agreed to be deleted from credit reporting agency. 

Collection was never deleted only updated to XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6400.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Has something on credit that I'm not able to get insurance in my state can't get vehicle insurance so I can't get my license plate sticker renewed and I've been put in jail over bad checks from XXXX bank but XXXX sent me two checks that I can't cash anywhere bank account has me XXXX XXXX XXXX XXXX in the bad and I don't know how or who to get it fixed XXXX won't cash them either and wouldn't even take my XXXX XXXX card when I had money on card to pay for stuff I had to leave without I don't think this is right to be treated like this I don't think this country is what it was when I was younger people just don't get it it's a free country but always about that money free isn't there anymore being treated like a dog pound for checking written because of needs to live is wrong in my book we have needs to live I hate to see where we're doing in a few years if this isn't stopped online banking was my fault but I didn't know it was going to change my life to this I don't even feel alive anymore and just don't care for it is what it is please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Based on, 15 U.S. Code 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 debt with XXXX  XXXX  XXXX  account was paid and agreed to be deleted from credit reporting agency. 

Collection was never deleted only updated to XXXX balance

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