BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I told Bank of America that I must have a lower monthly payment because of reverses in the stock market and because I have limited means from my Social Security funds! The bank cruelly refuses to help me out a citizen of advancing years with serious medical problems! The bank is being brutal! 

I have dutifully paid each and every monthly car loan payment of {$770.00} ON TIME!

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 2023-10-02
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$7800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: ND
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:
The following accounts are incorrect, and they are adversely affecting my livelihood XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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:
Transunion was asked to verify the closed account on the consumer report. Transunion has violated 15 usc 1692g for validation of debts as they have not informed the consumer of who the debt belongs to. They have only sent communication stating that they have verified the information. They have not sent a signed contract to the consumer that would Validate the debt. 
Transunion is in violation of 15 usc 1681b ( 2 ) as they do not have my written consent to furnish these " Closed Account ''. 
Transunion has run me in circle for a year about these debts that I do Not Own.

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 2022-04-29
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: Account information incorrect

Complaint:
XXXX and Experian posted incorrect information about the status of my account. My most recent credit report Dated XX/XX/2022 shows that the last time this company updated my payment history was in XX/XX/2022. This account is paid in full, but your reporting doesn't reflect this accurate information.

Inaccurate payment history information like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time.

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

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 2023-07-01
Company: EQUIFAX, 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:
Equifax has correctly closed all 16 accounts with XXXX  XXXX XXXX since all of my student loans moved to XXXX in XXXX of 2022, but Equifax is incorrectly reporting the " reported balance '' with the amount of the loan instead of the " reported balance '' on all 16 closed accounts with {$0.00} balances as I do not owe XXXX  XXXX XXXX any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
I submitted my dispute letters to Experian over 30 days ago. This company has failed to respond which is a violation of the fair debt collection practices act. I also did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation. I am entitled to {$1000.00} per violation.

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 2022-04-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
American Express promised expedited delivery of my XXXX XXXX XXXX Credit Card. However, after numerous times of calling them, the delivery of the credit card is still on the same day they gave me during my application. Also, it was mentioned that American Express issue instant card numbers once you get approved for a credit card. However, this didn't happen in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: OK
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items. Thank you. 
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

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 2023-07-26
Company: Nelnet, Inc.
State: NV
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 previously disputed this account on XX/XX/2023 stating : " I dont remember ever being late with a payment on this account. Please could you provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account and update it as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 refuse to accept your decision to reject my identity theft claim. Who are you to determine whether I have been a victim or not? You lack any authority or legal standing to make such a declaration. If you persist in denying my claim, I will engage my attorney to pursue a legal solution. It's important to note that my identity theft claim is in full compliance with the law. I have submitted an official report to a federal agency, as required by legal procedures. Let 's work together to resolve this matter within the mandated 5-day timeframe. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2023-11-10
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2022-04-29
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I went to the bank to make a withdrawal from a Citibank ATM Machine and noticed that my account balance was incorrect on my receipt. The bank was closed so the next day I went to the bank and a bank employee told me that there had been two ( 2 ) separate wire transfers out of my account- each in the amount of {$40000.00}. I did not initiate these transfers and I did not authorize anyone to make these transfers. I filled out the papers that the bank required me to complete and had them notarized. I also went to the local police department and filed a Victim 's Report ( Case Report # XXXX ). I then returned all the forms to the bank with a copy of the police Victim 's Report. They told me they would investigate the matter and would be in touch. On XX/XX/XXXX they sent me a letter that advised me that they were denying my claim. I have since found from employees at my bank that the same thing happened to numerous other customers at the bank.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 off my credit report with transunion. this incorrect information is hindering my file. please correct it.

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 2023-06-27
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I was laid off work due to a natural disaster ( Covid 19 ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Hello, This complaint is regarding Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from Santander that I am included in the settlement, Santander continues to report harmful inaccuracies to my XXXX and XXXX credit reports. Santander still calls to collect on the debt that they report as charged off and late every month. 

Santander took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

XXXX and XXXX are both reporting completey different things for the Santander USA account. It's harmful and defamatory to my credit profile. I have reached out to Santander several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for Santander do what they agreed which is to relive the loan and the Santander USA account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have sent several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in 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 2019-10-11
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Quicken loans in mid XXXX. I was told the terms would be 3.99 % {$100000.00} loan with 2.125 % points, with those terms, I agreed to put a " good faith deposit '' down of {$500.00} ( no one from Quicken told me that they could change the rates and terms after I put the deposit down ). Our appraisal came back at {$140000.00} and all of the sudden all rates and terms changed. ( I went to XXXX XXXX Mortgages and once again had an appraisal done 1 week later and it was {$160000.00}, {$37000.00} more! ). Anyway, Quicken changed my rates and terms no less than 5 times, even changing terms 2 times in one day! I thought good faith meant good faith by both parties. Their actions were not fair and entirely too confusing. Even my loan officer said she did not know what was going on. Of course, I no longer felt comfortable letting this company deal with my mortgage so I went to Ruoff and closed within a few weeks with no issues, but I am now out {$500.00} with Quicken and they refuse to return it. During this process, we also received calls from several different people from Quicken after we told them that we no longer wanted to work with them and some were even threatening, saying since we already applied with them, no other company would take us and we should just go with them. I don't think it is fair that I signed the " good faith deposit '' saying I liked the terms and wanted to proceed, yet they did not show " good faith '' back by changing terms over 5 times for no apparent reason. I think I should get my deposit back, as I did what I was suppose to do, they were the ones who did not. If this is allowed to continue, they could tell customers a false great rate and terms, take their money, then change terms and customers either have to accept the new terms or lose their money, it is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Information belongs to someone else

Complaint:
I kindly request that you remove the inaccurate account from my credit report. As shown in the attached documents, this account is not mine, and I did not authorize anyone to use it. Please take action to remove this account as soon as possible.

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 2022-11-27
Company: EQUIFAX, INC.
State: TX
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:
To whom it may concern I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor Name : 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 
Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is missing that should be on the report

Complaint:
As it pertains to missing information on the credit report of XXXX XXXX XXXX. Individuals identified will be required to report to the designated locations as identified in the statements of XXXX XXXX XXXX for violations of the Bankruptcy code and/or U.S. Department of Justice Civil Rights Division Housing and Civil Enforcement for discrimination, erroneous information on credit report ( s ), attempting to attach themselves to an individual who paid a debt, obtaining credit by improper reporting of information on their credit report or a debt paid by another individual but appeared on their credit report, bankruptcy code violation, etc. The Federal Service Desk is required to accept the document as an addendum to the previous SAM.GOV registration as it pertains to ownership of property and banking accounts, 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