BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX  XXXX XXXX Balance : {$2900.00}.

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 explanation
Consumer complaint received 2023-02-07
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX IN XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1600.00} ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; BANK OF XXXX, XXXX. XXXX Balance : {$0.00} ; XXXX ( Original Creditor : FLORIDA XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX  XXXX XXXX XXXXReported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX BV XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; SERVICE XXXX XX/XX/XXXX XXXX According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of 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 non-monetary relief
Consumer complaint received 2020-04-01
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: Account information incorrect

Complaint:
I believe that there are accounts on my credit report that I have no knowledge and the credit bureau has not validated or verified.

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 2020-04-01
Company: Credit Karma, LLC
State: VA
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:
Family members tried to physically injure me XXXX mortgage loan Vehicle loan Idenity /social Email/XXXX Child support Student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent out a dispute letter to the company and the credit bureaus and I was sent a letter stating they will not reinvestigate the account that was not verified. They would not provide me information regarding what was the method of verification who they spoke to etc

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 2022-04-14
Company: Nelnet, 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:
I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -XXXX  XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : XXXX XXXX XXXX XX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, FM/FIRSTMARK SERVICES keeps charging me late payments on my student loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

XX/XX/XXXXXXXX XXXX Equifax XXXX  Account Name : XXXX Account Name : XXXX  MISSING Account Number : XXXX Account Number : XXXX MISSING Additionally, I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have the same information from a bureau. Please send me proof my information otherwise remove this account from my credit report. Furthermore, as per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: MOHELA
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:
Mohela has told me that they do not have permission to count payments from XXXX to XXXX. That say navient my original loan service records a consolidation in XXXX but indicates no payment from XXXX to XXXX which mohela notes is strange. But they wait for federal student aid to give permission to count below XXXX. Federal student aid has not acknowledged my requests. The ombudsman can not help me. My XXXX XXXX XXXX tried to intervene but no avail. This has been going on for 2 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am filing this complaint with the CFPB in regards to a Capital One Bank USA account with a balance of {$790.00} which has been reflecting on my XXXX credit report since XX/XX/XXXX. Capital One was notified that I was a victim of identity theft as soon as I found out about it through verbal communication as well as a certified letter. That certified letter also included the police report which was filed on XX/XX/XXXX through the XXXX XXXX XXXX XXXX office. Since that time I have disputed this acct through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly to Capital One again on XX/XX/XXXX and the only answer I am receiving in return is that it has been verified as accurate. This is not my account, it is reflecting negatively on my credit report which is hurting my credit score. This is my final result with contacting the CFPB to see if we can get this account removed. I am aware that the balance is under {$1000.00} but the damage it has done over the years in stopping me from receiving credit is a lot more costly. Hopefully this matter can be resolved and that account can be removed quickly from my XXXX  report or my next step will be to acquire an attorney. Thank you for looking into this for me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Sirs, My name is XXXX XXXX XXXX, I have a Citibank XXXX XXXX XXXX credit card and in XX/XX/XXXX I received an offer that if I opened a checking account at XXXX I would receive XXXX bonus miles from XXXX XXXX XXXX program. 
So I did- account number XXXX routing number XXXX Citi Priority XXXX XXXX XXXX XXXX XXXX 

In order to have the miles credited in 4 months, there would be some rules ; Keep a certain amount of money for 3 months in the account, spend {$800.00} dollars in the first month using the debit card, register payments to the account, etc. 

I did all the steps and to really understand the rules I also called 3 different times Citibank and spoke to different agents about the promotion, asked questions, if I was doing everything right and all agents that I spoke to confirmed that everything was correct. If the calls are recorded, there is proof of the questions and answers. In XX/XX/XXXX the miles should have been credited in my account. 

Yesterday, XX/XX/XXXX, I called again because the miles werent credited and for the first time the person who assisted me let me know that the step that I had to pay bills through Citibank should be done through a Citibank channel, not only add payments thought XXXX, click pay, my insurance company etc so the miles wouldnt be credited at all because I missed this step!!!! 

I was very upset with this information, of course. I was misinformed in all my calls to Citibank, I just open the account because of the promotion, I went to a Citibank agency to speak in person to a banker, he said that because I opened the account online he couldnt help me, I had to talk over the phone. 

I had to pay a {$30.00} dollars fee per month in order to maintain the account, so this promotion only took my money, my time over the phone, mislead me with wrong informations and in the end no miles, just disappointment. 

If you would check the calls and the steps in my account towards the promotion you will see what I am talking about. 
I hope someone cares, I hope Citibank honors the promotion on my behalf and share the responsibility for the step I did wrong because everybody I talked over the phone made me believe that everything was correct. 

Please, I would like your help to know how do I proceeded in order to open a Claim about this matter. 

Thank you, XXXX XXXX. 
Phone : XXXX XXXX Email : 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 2018-05-01
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I found a charge on my Discover card statement in XX/XX/2017. A purchase of {$950.00} to a mower shop in another state around XX/XX/2017. At the time I was using the card along with my son to help him move out of state for college, was a very stressful time when a child moves away and never noticed the charges until several months later. I called Discover and disputed the unauthorized charges and they immediately refunded me. A month later I get a call from Discover that they couldn't identify the purchase as fraud so they put the interest and charges back on my account. So I did my own investigation gathered all the XXXX shipping statements called the merchant then sent all this to discover. They did nothing and lead me on thinking they are doing an investigation but all along they did everything to avoid me. So far no phone call no email nothing. I called again and got the same answer will open another investigation 3rd one! no one there can explain or give me a reason why they wont refund the fraud charge other then being several months old. Every other credit card would contact you for suspected fraud if a XXXX dollar purchase was done. They are suppose to have a zero fraud guaranty. They don't want to deal with talking to customers or help them out in anyway. They rather get you off the phone to give you a false set hope they are investigating the issues but all along just putting me off. I've been in customer service for 30 years and I never had such horrible customer service then discover card. They lie there is no such thing as zero fraud guaranty!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There are two fraudulent hard inquiries on my credit report that I DID NOT authorize. They are as follows : XXXX XX/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 explanation
Consumer complaint received 2023-06-27
Company: Paypal Holdings, Inc
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened a PayPal account earlier this year in order to pay some fees for a sports league I recently joined. 

Yesterday, I received a fraud alert both from PayPal and from my credit card. Someone had gone into my account and attempted to send someone money. It looks like my credit card ( XXXX ) declined the purchase, which was great. But in inspecting my PayPal account, it appears as though another XXXX was added to the account that I don't recognize. I attempted to remove the card from the account, but was asked to upload a government ID and a credit card statement to be able to this. Considering that I was already a victim of fraud, I was not comfortable uploading more sensitive personal information. 

I next tried to close the PayPal account altogether, and again, was informed that I could not do so without resolving the " limitations '' on my account, and the only way to do that was to upload a picture ID and credit card statement. 

I next called PayPal, reiterated all of the above to a customer representative, and then escalated it to a supervisor. I was told again, that I can't close the account without resolving this " account limitations, '' and the only way to resolve them is to provide identity documents. All I want to do is be able to shut the account down. I don't understand why no identification was necessary for some stranger to add a credit card to my account or make a payment from it, but now I can't close the account once I've already been victimized without further compromising myself by providing additional personal information? No. 

All I am trying to do is prevent myself from being victimized again. Any other credit card or bank would let me close the account. That's all I'm trying to achieve here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Ally bank. My vehicle was in an accident and my insurance company deemed the vehicle a total loss. My insurance company mailed a {$30000.00} check to Ally on or aroundXX/XX/2020. Ally bank advised me via a phone call that they have the {$30000.00} payment and they have not posted the payment. I need Ally bank to post the payment and provide me with a payment history, so my GAP insurance can pay the balance of the loan. I have called Ally bank several times and they still are unable to explain why the payment has not posted or when they will post the payment.Today I called Ally and they said the payment would post soon, and they said my insuance company is supposed to pay an additional {$2000.00}. I spoke to the Toatal loss department and they said they were unable to give me a current 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
Consumer complaint received 2023-06-27
Company: MARINER FINANCE, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A representative from the company called me and when I called back because I didnt recognize the number stated they were calling me about a loan with mariner finance. I asked him was he sure he had the person and then just proceeded with the call. He stated he had a check I had for a loan and when I asked him to send he said they would but lets resolve the issue. I explained to him i and never heard of him or his company and he then stated they were on my credit report. I told him that was not correct and he then ran an inquiry on my credit report with out my permission. He stated I have given them pro mission and that was not the case because I have never heard of the company. When I told him I was recording the call he then hung up and they refused to answer my calls. I then pulled up my credit report and it was an inquiry for this company on my report. I tried calling them several times and they just sent me to voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: TN
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 a re-submission of a complaint I made over 30 days to Equifax via this complaint process ( XXXX ). Equifax has never followed up nor acknowledged the problem I outlined in the earlier complaint. My hope is that the CFPB can motivate Equifax to correct the problem. 

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the XXXX XXXX XXXX XXXX account # XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. I have also reported to them that clear evidence of re-aging has occurred with this account. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The XXXX  account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: NJ
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:
Equifax continusly reporting fake mortgage and late payments on my credit report.All othwr agencies addressed issues and my xrefit score returnes to excellent as it al wa ays were Not with Equifax. Please correct

Company response to consumer: Closed with explanation