BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX ( XXXX ) - ( XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-16
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Credit karma has been reporting false information as well as false pre-approvals! I am aware of the settlement and I am eligible. 

They have caused me distress, and causing my credit score to decrease while believing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: OH
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 aware after disputing things with the credit bureaus that the information was / is on my credit reports and should be removed especially when the New Credit Act of XXXX states in section 401 that these should be removed when no contract exists. Please assist! Theres also student loan data and inquiries that need corrected! 

XXXX - {$630.00}, no contract XXXX - {$240.00}, no contract 10 Missed student loan data to be reversed per new law DeptedXXXX 10 Missed Students loan data to be reversed Inquiries To Be REMOVED I didnt Authorized by way of contract XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX - no contract XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX late payments - Account number - XXXX Negative data to be reversed *XXXX XXXX Negative data to be reversed Account XXXX Student Loans : DEPT OF EDUCATION/XXXX {$40000.00} Negative data to be reversed DEPT OF EDUCATION/XXXX {$60000.00} Balance updated XX/XX/XXXX XXXX late payments - negative data to be reversed Collections : {$630.00} - no contract XXXX XXXX XXXX  - no contract {$240.00} Dept Of Ed/XXXX - student loan data to be reversed 10 Missed Dept Of Ed/XXXX - student loan data to be reversed 10 Missed Collections XXXX - {$630.00} - no contract Inquiries To Be REMOVED I didnt sign agreement XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX , - no contract Inquiry from XX/XX/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 2023-10-05
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I was checking my account activity when I discovered that there was an unauthorized transaction on my account for the amount of {$400.00}. I immediately called Bank of America at XXXX to explain to them that fraud has been committed on my account. I was placed on hold for 17m45s and finally spoke with someone who was able to identify the unauthorized transaction and shared with me that the person made the transaction with an old check routing and account number. The person whose name is attached to the transaction is my ex husband, XXXX XXXX, who I divorced on XX/XX/XXXX. It is for his XXXX XXXX Credit Card in which I do not have an XXXX XXXX Card on my credit profile. The bank teller explained to me that she will transfer me to the appropriate section but while on hold she hung up the phone. I attempted to find an email instead of continuing with a phone dispute but there is not one on their website. 

As a long time customer of Bank of America, they have a responsibility to protect me and my accounts. I am in fear because this man has been XXXX XXXX, hacked my XXXX account, and is now committing fraud with my bank account. Bank of America needs to remedy and fix this and make sure it never happens again.

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 monetary relief
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: MI
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 you are in violation of the Fair Credit Reporting Act : This fraudulent student loan was serviced by XXXX and placed in default by XXXX. The real U.S.Department of Education General Counsler said on a call they are required to review all XXXX XXXX XXXX federal student loan. The results U.S. Department of Education General Counselor are placed in the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX as Defaulted, Unresolved., XX/XX/XXXX and the federal loan was terminated on XX/XX/XXXX for the same reason. XXXX if yu have any problems with your fraudulent federal consolidation loan call the real U.S. Department of Education General Couselor that was assigned to review all of XXXX XXXX XXXX federal student loans for liability purposes. The U.S. Depatment of Education rejected the federal consolidation XX/XX/XXXX. The fraudent loan had Issues like their is not a copy of a orginal promissory note attach with the E-Sign Contract for verification, their is no address of mine the XXXX XXXX XXXX not exists. A school code was used for consolidation from the UniversityXX/XX/XXXXXXXX XXXX. The University XXXX XXXX XXXX is not a Bank and does not have my history from my lender XXXX XXXXXX/XX/XXXX and neither did XXXX XXXX who did not keep in track with my payments. All my federal students were made by XXXX XXXXXX/XX/XXXX in which I paid in full before XXXX XXXX fraudulently consolidate the note without a federal lender education code. XXXX stole my identiy and placed over {$80000.00} due on my credit reports to steal money from the U.S. Department of Education to collect serviceing fees and bonus. XXXX you sent me a billing statement requesting {$800.00} due XXXX XXXX XXXX in which I am not going to pay a XXXX. XXXX you have damaged my credit reports and score for greed. XXXX send me a receipt that lender with an education code paid my lender XXXX XXXX for a federal consoldation. XXXX you have prevented me to obtain a mortgage. XXXX send me the lender name who received the money for the consolidation. Enclose the enevolpe of the servicer of the loan XX/XX/XXXXin XXXX an the real U.D Department of Education

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 2023-06-28
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act # XXXX, My rights were violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint was closed in 2018. TD Bank keeps reporting this to the credit file. This is incorrect information at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
I do not recognize or remember the following hard inquiries on my Equifax credit report which may be on my other reports as well and used without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
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:
Im very unhappy at the fact that there is FRAUD information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my 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 2022-11-27
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: VW Credit
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This complaint relates to a car leased through Audi Finance. In XX/XX/2020, the car was relocated from Massachusetts to Illinois, and retitled in Illinois ( Audi Finance remained the title holder throughout ). Illinois charged a use tax at the time the car was retitled, which I paid directly to the state. In XX/XX/2020, my statement from Audi Finance included an " Other Charge '' of {$830.00}, which I paid as a result of my automatic billing arrangement with Audi Finance. When I inquired of Audi as to the basis for this charge, they said that the Illinois Department of Revenue had recalculated the use tax, and had billed Audi for the additional amount due, which Audi had paid. I then contacted the Illinois Department of Revenue, which agreed that the additional tax assessment had been in error. On XX/XX/2020, the Illinois Department of Revenue refunded to Audi {$880.00}, having concluded that not only was the additional assessment in error, but that the original assessment had also been too high. I spoke to a representative of Audi Finance on XX/XX/2020. After checking with their tax department, she confirmed that they had received the refund, and stated that it would be credited back to my account within the next 8 weeks. It has now been over seven months, and I still have not received the credit. I have called Audi Finance about this several times. Each time I have checked, I have been told by the customer service representative that they would check on the status of my refund and call me right back. I have never received a call back. Earlier this week I spoke to a representative who told me that they have no way to reach their own tax department by telephone, and must email their inquiries to the tax department, which simply does not respond. This, he explained, is why customer service does not call me back. I was also told that there was no way for me to escalate the issue within Audi Finance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
Company: Aqua Finance, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I financed my water softener through Aqua Finance Inc XXXX XXXX XXXX XXXX ( hereafter referred to as Aqua Finance ). For this, a credit account was opened. I received an invoice on the mail and decided to send them a check for the total balance listed on the invoice. The check I sent in was received by Aqua Finance before the listed due date, and even before the next invoice was generated. 

The following month, I received another invoice for interest that had accrued. After calling Aqua Finance to understand what happened, they explained that the amount due is only valid as of the day the invoice was printed, meaning that the listed balance is not correct even the following day. This seems to be an unfair and deceptive practice. 

I was told that the only way to pay off the account was to call in and get a payoff quote. When I asked what would happen if I never called, but continued to pay via invoices, I was told i would be paying interest indefinitely. To require someone to call to get a true and accurate payoff is unfair and deceptive, as well as potentially discriminatory to individuals with XXXX. 

When asked if they would waive this unfairly accrued interest, they refused. I have not gotten any resolution with Aqua Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was alerted from my credit union that multiple Social Secuirty numbers appear under my name. I was told at least 4-5 different numbers show under my name and date of birth and address. I spoke to LEXIS NEXIS and was given no help regarding the matter. I would like to have this inaccurate information removed from my name and profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
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:
IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. 

I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows : XXXX XXXX XXXX XXXX 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 request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. 

Thank you for your attention to this matter.

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