BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX 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 2022-06-05
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX XXXX has listed XXXX XXXX XXXX XXXXXXXX incorrect violation of my rights also they have listed XXXX XXXX XXXX XXXX # XXXX incorrect also violation of my rights and XXXX XXXX XXXX XXXX # XXXX and # XXXX also violation of my rights they have refused to provide me with any signed documentation or any valid proof of debt also say it is verified but provide no information.Also XXXX has done same thing XXXX XXXX XXXX # XXXX, also XXXX XXXX XXXX  XXXX ALSO XXXX XXXX XXXX XXXX XXXX XXXXXXXX SAME THING LAST EXPERIAN SAME XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX please have them remove this false information thank you

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 2023-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
IVE BEEN TRYIN REPEATEDLY TO REMOVE AN UNAUTHORIZED ADDRESS FROM MY XXXX AND EQUIFAX CREDIT PROFILE FOR 2 YEAR NOW. IVE CONTACTED THEN BY PHONE, LETTER, AND EMAIL STILL NO POSITIVE RESULTS. I ALSO HAVE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: ALLY FINANCIAL INC.
State: MI
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:
Unauthorize inquiries on my credit profile that I dont not recognize and never authorized to do it XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX 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  I did not authorize these companies to check my credit report. Thank you sincerely

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 2022-06-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account does not belong to me, please block and remove under 15 USC 1681c-2.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting Act XXXX. 
Account XXXX XXXX Account # XXXX XXXX XXXX XXXX # 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 consumer reporting agency can not furnish a 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 2023-03-12
Company: Conn's, Inc.
State: AL
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 paying on time with all of my bills but I was involved in a bad accident and still was paying but they reported me being late

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a payoff quote in preparation of selling my house. The servicer included around 7,000 $ in unpaid interest owed in this quote. The servicer reports that I have not paid interest from XX/XX/XXXX until now XX/XX/XXXX. I have made all my payments on time for years. 
How is it now that I 'm selling my house they are charging me this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX Louisiana on XX/XX/XXXX and made a down payment of {$4600.00} directly to XXXX XXXX XXXX to knock the principal balance down. the original amount of the vehicle was approximately {$9000.00} until the interest was applied which made it total {$15000.00} so i applied the {$4600.00} to knock the balance down but it never did and i asked XXXX XXXX XXXX will it show and she replied " it will reflect as I make my monthly Payment '' so it never did so i began asking why hasn't it reflected yet, she continued to say " it will reflect so time continued to pass so i eventually reached out to the local law enforcement and asked for advise and the XXXX police department said this was considered fraud so i took the next steps and filing a police report because i had realised this company wasn't being honest with me. On or around XX/XX/XXXX I called the police station for an officer to come and investigate so two police officers from the XXXX police department came on the scene to XXXX XXXX XXXX to investigate but they were closed. So we returned at a later date during their normal business hours on XX/XX/XXXX so as the officer proceeded to investigate and question them where did my down payment go. They ( XXXX XXXX XXXX ) couldn't explain and XXXX XXXX was jumping up and down. So when it was time for me to make my monthly payment. XXXX XXXX XXXX refused my payment and said i was behind which i was not and XXXX XXXX stated " XXXX you should have never said we stole your money '' after I asked why was they refusing my payment. They are still refusing my payment I've gone over there more than once and even have called and asked family and friends to call to see if they can make my payment but they refuse it and now are trying to make me pay my full remaining balance off which is not right when i wasn't behind but they are making me fall behind because they are refusing my payments only because i wanted to know where did my down payment go. this is fraudulent and unlawful what they are doing to me. I have reached out and got an attorney I've also notified the FTC, State Attorney General and local law enforcement. Also it took XXXX XXXX a month later to send me a receipt of my down payment which was XX/XX/XXXX after I kept begging for my receipt.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Submitted Identity theft report previously for account XXXX XXXX account number XXXX. This account was removed and blocked. It was also reporting an address that is not associated with me in XXXX, Idaho. I also had to dispute and update my credit report to get that address removed as I've never lived in Idaho. Transunion can confirm that with my personal information and employment history I've never lived in Idaho. My dispute is that Transunion should of not have allowed the creditor to re-insert information that Transunion knew to be inaccurate from previous disputes with a valid identity theft report as well as the creditor reporting incorrect addresses not associated with my personal information. I request this to be reviewed and escalated and my credit report to be updated as accurate.

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 2023-05-24
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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-06
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am reaching out to Discover about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that Discover has wrongfully accused me of. According to the black law dictionary, a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that in order for something to be charged off, a 1099c form has to be completed. If the transaction is over {$600.00}, then that means that you are furnishing this debt as an income, not as a charge-off. If you have in fact listed this account as a chargeoff, I am demanding that you show proof where you have removed this asset from your book, as well as the 1099c proving that this debt has in fact been charged off. Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 099c form proving that this debt has been charged off, I am demanding that you delete this account or I will press charges against Discover for racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/XXXX to remove accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5800.00}

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 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I paid the full balance of {$110.00} on my credit card and closed the account, as we never use the account and were trying to pay off our minimal debt in preparation to buy a home. Nothing against Capital One, we were just getting our small amount of debt paid off and had no use for credit cards. 
We had no idea the account was never closed and not until we were looking to buy a home last month, did we discover there was a 60 day late on our credit report. I KNEW it had to be a mistake since we no longer have a Capital One credit card. 
To my surprise and shock, apparently the account was never closed and Capital One had applied an annual fee in XXXX to the account ( 7 MONTHS after we paid off and closed the account ) and started to report the account delinquent in XXXX and XXXX. Still having ZERO knowledge of this, Capital One apparently viewed the account as inactive and REVERSED the annual fee/charges and closed the account ( thank you ). However, the 60 day late remained on my credit. How can I have a negative payment history on a charge that doesnt exist? 
I truly believed this would be a simple and understandable correction to my credit report, as I clearly did not neglect to pay my credit card there had been ZERO usage or activity after my XX/XX/XXXX pay off and an UN-activated card that was apparently sent, and exceptional payment history proves that. 
But the representative said we needed to write this letter to dispute the 60 day late on my credit report. Please understand this is devastating to us, since we have always taken our finances and credit seriously as you can see from my credit report ( absolutely ZERO lates on ANY of my accounts ). We were good Capital One Customers and made timely payments, and tried to do the right thing and pay the balance in full, and close the account. Please help correct this error on my credit report. This is severely affecting my credit and jeopardizing our ability to get our home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 2022-07-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Chase Sapphire XXXX card but got declined. My credit score is above 800 so it can not be my credit. I have not yet received a reason for my decline. I called Chase this morning and after a long wait the agent told me I was declined because I had received a Sapphire bonus in the last 24 months. This is not possible because I have not been a primary account holder of a Sapphire card. My wife had one but not me. 

I am very frustrated with my experience at Chase and can't seem to a straight answer. Now I had a hit on my credit score for no fault of mine. Can someone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Has been going on for years theyve asked for affidavits I sent over five years ago they claimed they didnt get them and continued harassing me by phone. I send them yet another copy of the affidavit but I didnt get it notarized that time. That was probably three years ago. Then they ask me to hand write a letter take a picture and email it. I did that twice and the second time I got a notice that their inbox was full. When I called and told them they told me I was lying. Ive attached the hand written letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: MoneyLion 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:
I never created this account with Moneylion. This is a scammer or a scam business. I have sent them several letters notifying them that i never created this account they refused to do their due diligence and actually investigate the matter sending me letters saying that they have closed the case and determined that I actually opened this account. The burden on proof is on them and I have not received anything that could be considered " proof ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 went to a car dealership and was told XXXX would run my credit to see if I qualified for their financing, but when I checked my credit report it showed a whole lot of hard inquiries that I did not approve. The list is as follows : Transunion XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt, 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 XXXX, 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 2023-02-10
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous items which are being indicated in my report.

Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX  Balance Owed : {$120.00} 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 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 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 XXXX 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 explanation
Consumer complaint received 2022-06-06
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account reporting on my credit report that does not belong to me I have sent GM Financial letters requesting removal and they refuse to adhere to the laws they are required to follow. Not only have I never driven this car, the criminal that took this loan out missed several payments.

Company response to consumer: Closed with explanation