BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This third time to get this resolved in five business days ' notice now will go to us in federal court for review of breach of contract under the bill of exchange as bearer and demand for title proper interest owed to the principal account certain that you are unaware of these actions because you did not forward this to the director drawer of this account. Unable to resolve this transfer of credits to the bearer and interest of application, the CFO needs to be alerted of your actions because you have violated due process to interest due and shall be paid to the older of XXXX XXXX XXXX the title 12 section 29a is more indebted for more instruction to the CFO CEO director of this company. Your reach is not the same issues talked about. XXXX XXXX does accept the bill and has endorsed it but was denied because of the burden of proof of the laws and the application process to wire the interest to the balance within a certain amount of days instructed by the bearer XXXX XXXX XXXX XXXX XXXX XXXX did not give you permission to handle his estate interest and reports that's fraud. You shall pay XXXX XXXX dollars for violating tier 3 of the Federal Reserve Act and regulation of exchanging bills the right way. Now that you have delayed the transfer several times by civil actions, it can be forwarded to the proper federal courts to resolve. You do not have to answer back to this instruction because the courts will fix this issue soon on notice of security fraud and breach of contract. 

XXXX XXXX noticed and requested a reply back in...

Company response to consumer: In progress
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: AL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-11-22
Company: DISCOVER BANK
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hard credit inquiry by Discover Financial with report number XXXX. They lack to request proper documentation in a timely manner and after me providing everything that was needed and accepted by their webpage they denied my application since I did not provided the information within their expected timeline. They had me open a second application which was also canceled during the process for no reason. For the XXXX time, time had me open another application, requested another hard inquiry within few weeks, provided all the documentation once again, including additional sensitive documentation from many past years to conclude that I was not elegible. 

I believe this is ridiculous, they could have mentioned that already since the first application if all documentation was provided already and not having me going through this process and request a hard inquiry to my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This account is not mine. Please remove the fraudulent card/account of my credit report. 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 non-monetary relief
Consumer complaint received 2019-01-13
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was offered via mail checking account promotion by BB & T for XXXX rewards if I had certain amount of direct deposits. The deposits requirement have been met and continue to be deposited. Account was opened back in mid XX/XX/2018. I asked about my rewards and I was told it takes certain amount of time which has been far past at this time. 

The offer code was XXXX sent to me via mail and I have visited the branch as well pertaining to the issue. I also had email conversation with a bank rep few times with no solution as their marketing is still researching it. I sent my first email on XX/XX/2018 after I had visited the branch and not getting the promised contact with the resolution. Got a response on XX/XX/2018 but no solution. I emailed again on XX/XX/2018 and got a response on the same day stating the market marketing is researching it and I will be informed on the status. I have not received any updates since then so I emailed again on XX/XX/2018 and to this day I have no updates on the issue.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I sent a letter requesting a copy of my credit report to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinaced a morgage that was serveced though Round Point Morgage company, the funds were relised to Round point on XXXX. I have contacted Round Point 3 times to ask if the escrow check has beed mailed or dispursed to me. I have not been able to get a solid answer from them. One rep told me they had 20 business day to get the funds to me, two days later a different rep told me 20-30 business 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 explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
transunion removed XXXX inquirys from my record but heres some that they should of removed but didnt please reveiw these SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX these are result of fraud and should be removed

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account. I acknowledge and deeply regret this incident and wish to address it proactively. As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. I eamestly request your kindness and consideration to remove those late payments from my payment history. I greatly appreciate your understanding and support in this matter.

I provide below the details of my account for your reference : Account Number : XXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX has made an inquiry to my consumer report that Im not liable for. I did not make this inquiry please remove 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 explanation
Consumer complaint received 2023-11-13
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a specialty payment in which I chose the loan I wanted the payment to go towards. I understand that the interest is paid first thanks to the payment plan I'm under however, the payment I made on the loan I chose had less interest than the payment amount. This means the rest should have gone towards the principal, but instead every cent went towards interest according to the receipt I received. To make matters worse, the interest this payment supposedly went towards never even went down on any of the loans. Looking on my account statement and payments history it doesn't show where my payment even went, just says 'Interest ' and doesn't show specifically where it was used even though it does show the loan I chose. I waited two months before placing this complaint thinking it was just needing time to show correctly, that doesn't seem to be the case. Now, I just made a payment with my fourth lender which doesn't make any sense as to where the money went and why it was not applied to principal like my financial advisor states it should after the interest is gone. My financial advisor had suggested the snow ball method in that I would begin knocking out my smaller loans first then go after the larger ones, doesn't seem to matter if these companies are just going to pocket my money and not actually apply it to my balance. I tried to contact the company however, the phone lines are always busy ( they don't have email ) and I have to wait on hold until they close while talking to an automated system. Is it too much to ask for a transparent bill or receipt that spells out everything and actually shows what we are paying on, where the money is actually going? I'll be reporting this mess to the attorney general as well, just can't take this constant billing error problem with every lender I've ever been through with my student loans. And it's always the same way as this one, take the payment and have no clue where the payment actually went, but we received your payment.

Company response to consumer: In progress
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
transunion removed 3 inquirys from my record but heres some that they should of removed but didnt please reveiw these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are result of fraud and should be removed

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 2023-11-06
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for XXXX XXXX  but Nelnet keeps applying deferment and forbearance to my account in attempt to collect more interest and they avoid all communication and puts their phone on 24 hour hold. They been emailing that save plan is in process. Many people reported Nelnet as well because Nelnet generates wrong bills and avoids communicating. My account should have been ob XXXX XXXX  but they choose to ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My Accounts with the following Bank have been technically compromised. My name, Social security number and birthdate have been altered/erased from the banks XXXX records.Bank of America {$7.00} XXXX, XXXX {$3.00} XXXX I'm a victim of Identity Theft/Fraud for the past 3 years. 

All of my identifying information & legal documents were stolen from me and my house. 

All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. 

These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had a XXXX XXXX with me since I was a child. 

They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. 

My long standing bank accounts & brokerage accounts are currently not on each XXXX systems under my name, Social Security number & birthdate. 

For example Bank of America has {$7.00} XXXX, XXXX has {$2.00} XXXX XXXX  XXXX XXXX XXXX was approximately {$500000.00}. XXXX XXXX XXXX XXXX XXXX value approx {$500000.00}. 

I have a list of names of people involved. They have threatened me, harassed me, terrorized me for the past 15 months in XXXX XXXX Texas. It has continued here in Florida. 

While I was in Texas I filed XXXX police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats. A report for ID theft was filed as Fraud. 

I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/Fraud I've filed several complaints with the FTC, XXXX FBI online systems, most recently : FTC XX/XX/23 ref # XXXX FTC XX/XX/23 ref # XXXX FBI XX/XX/23 copy on my phone A complete investigation needs to be conducted by the Cyber Crimes unit of the FBI effective immediately.

Company response to consumer: In progress
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
these hard inquiries are fraud listed on my credit report I gave no permission for this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
Company: CL Holdings LLC
State: VA
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:
Jefferson Capital continues to report an account on my credit report that doesn't belong to me. I have disputed this debt several times through the credit bureaus but the account info keeps coming back and reported as accurate. In addition I have been harassed bullied and sued by Jefferson Capital about this debt. I was sued 2 times and won the case each time. It was proven in court on XX/XX/XXXX and again on XX/XX/XXXX that I do not owe this debt and the case was dismissed with prejudice by the court. As of XXXX XX/XX/XXXX this account is continuing to be reported on my credit report. This account needs to be removed from all 3 credit reports because it has been proven in the court of law that the debt doesn't belong to me. I will like this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent dispute letters viaverified mail over XXXX  days ago regarding the unverified inquires that are on my credit report. I have not received a response from Transunion and the inaccurate items on my credit report have not been removed. 

XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX According to the Fair Credit Reporting Act, Under 15 USC 1681 ( a ) under the exclusion section number ( b ) anything that was extended or authorized from a credit card should be excluded from a consumer report.Congress defines a credit card as any card, which is under truth and lending 15 USC 1602 " ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was informed by XXXX XXXX XXXX XXXX XXXX credit card taken in my name with a balance of {$7000.00}. I never had any accounts of any kind with XXXX XXXX. I reported the matter to XXXXXXXX XXXX. I received a XXXX XXXX letter dated XX/XX/2023 acknowledging my claim of fraud and stating that no further action on my part is required. 
I received no further information and the XXXX XXXX  balance continues to appear on two of three bureau reports. 
XXXXXXXX XXXX will not work with XXXX XXXX to resolve the matter. 
I filed an FTC fraud report, which includes a copy of the police report with XXXX police that I filed. 
I made repeated calls to XXXX XXXX. On one call, made more than 10 business days ago, I was told I would receive a letter from XXXX XXXX. I received no letter. I can not find from XXXX XXXX  what the letter is supposed to say, or how to resolve the problem.

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 2023-12-18
Company: EQUIFAX, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation