BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
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 is missing that should be on the report

Complaint:
On or about XX/XX/2020, my father-in-law added me as an authorized user on his credit card accounts to help improve my credit score. He has a stellar credit score of XXXX. 
On XX/XX/2020, instead of the credit score increasing for me, it dropped 38 points for me AND My father-in-law!!! When i checked with XXXX, and Trans union they could not give me a reason for the reduction. I was able to obtain a copy of my credit report. I did not see any changes warranting a decrease in score. Because there was only positive information added to my credit report, there should not have been a reduction -- only an increase in the credit score for myself and no change for my father in law. Due to the fact that I am in the process of buying a car in XX/XX/2020, I would like the credit bureaus to correct the error 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 2023-09-12
Company: Experian Information Solutions 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:
I am writing to request the immediate removal of late payment entries from my credit report, as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ).

According to the FCRA, late payments should not be reported as negative information. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. 
I believe these late payment entries are the result of a clerical error or misunderstanding. 
Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to remove these erroneous late payment listings from my credit report. 
As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made Thank you for your immediate attention to this matter.

Please find account below : DEPT OF EDUCATIONXXXX Account # 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 2023-10-17
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:
I have recently obtained a credit report with may unauthorized inquires reporting that I did not authorize they were illegally done by someone who has gained access to my personal information. the following inquires reporting by Equifax are : XXXX. XXXX XXXX XX/XX/23. XXXX. XXXX XXXX XX/XX/23. XXXX. XXXX XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX Bank {$2000.00} loan ; Opened XX/XX/XXXX ; Term 36 months Closed on XX/XX/XXXX I reported this as identity theft to the FTC on XX/XX/XXXX as I realized that my information was compromised on the dark/deep web ; and this account wrongfully, unethically opened without my consent.

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 2020-08-12
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$11000.00}

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : KOHLS/CAPONE Account Number : XXXX I also filed identity theft report with the FTC with the items in question. 
Please help me resolve this matter, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Approved for HAF program ( Homeowners assistance fund ) months ago under The CARES-ACT signed into law by XXXX XXXX on XXXX XXXX. US Bank Mortgage delays posting payments by weeks now over a month from receiving funds from the Government, incurring late fees and reporting late payments to credit bureaus while having the money in their possession. US Bank Mortgage received government funds for XX/XX/2023 Mortgage payment of {$1900.00} on XX/XX/2023. To date payment has not been applied, charged a {$40.00} late fee, and reported late Mortgage payment to all 3 credit bureaus. After assuring me it would not be reported it has now effected my credit score and excellent payment history. Receiving non-stop collection calls for XX/XX/2023 payment they already have since XX/XX/2023. XXXX payment still not applied either. Company assures me account has notice on it that we are HAF recipients and should not be getting collection calls and late fees shall be reversed when they get around to posting it. Been told their company is not set up to process all the HAF funds in timely manner. Their claims are their system not set up to handle these issues on posting payments when received. Online account does not show moneies received until they finally post well after grace period. This prompts calling them every month to confirm monies already received. This is effecting millions of Americans credit due to their inefficiency to provide service. The Governent website states " The Homeowner Assistance Fund ( HAF ) is designed to mitigate financial hardships associated with the XXXX pandemic by preventing homeowners mortgage delinquencies, defaults, foreclosures, and displacements ''. This is not the case. They receive the money and inability to promptly apply payments has caused delinquency. Resulting in credit reporting at no fault of account holder.

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 2023-06-14
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a check payable to me, XXXX XXXX, stolen from my mailbox. The thief took my check and opened a bank account under my name at Keybank. I went into the branch that opened this fraudulent account and they could confirmed that the thief did not have my social security number or form of identification. This account should never have been opened and shows a complete failure of controls at Keybank. 

The theif was able to con Keybank out of money and now Keybank claims I owe them money and have sent a debt to a collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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:
These credit breaks are reporting fraudulent information on my credit report 1. XXXX XXXX has a payment agreement of XXXX $ per month 2 XXXX is not mine 3.XXXX is not mine 4 XXXX XXXX is not mine

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 2023-09-22
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:
When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-01
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX  XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX Balance : {$9900.00} XXXX CARD XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} MXXXX  XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Late last year PNC took over my mortgage. I have sent my mortgage payments on time like I have for the past 40 years. PNC is extremely slow in processing my payments and now wants me to pay a late fee of {$66.00}. The company is incompetent in their ability to process loan payments in a timely fashion. When i have called the Bank reprehensive have mostly pleasant but refuse to take off the late payment a second time. I have spent several hours trying to get this issue resolved. PNC wanted to do direct withdraw from my bank account which i have agreed to. But I just sent me a notice my last payment was rejected because the late fee was not included but PNC has not returned my funds.. 
I am Sueing PNC in district court, I have all the documentation of when mortgage payments were sent and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has opened a Goldman Sachs credit card under my name and has been using it for a while now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
So I was checking my credit report and i came across accounts that d not belong to me. I reached out to the credit Bureau. They told me to reach out to the XXXX which I did. I still have not receive any response about my dispute. 
The account does not belong to me. 



XXXX acct # XXXX Balance {$11000.00} I am requesting that the XXXX major credit bureaus XXXX XXXX Equifax and XXXX to cooperate with me on this. Please provide proof or delete immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-13
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
In 2016 my ex-boyfriend totaled his 2016 XXXX XXXX. I was a co-signer for this lease. The insurance company paid the lease off in full, and sent payment to Chrysler Capital. The lease is still showing up on my credit report nearly 5yrs later. I have called multiple times over the past 9 months to have this removed, and have been unsuccessful. All of the agents/managers tell me to wait, which I have, and it will be removed eventually. That is completely unacceptable, as it is ruining my credit score and my ability to apply for loans.

All that I am asking for is written confirmation that this is a reporting error, and that it should not be on my credit report. 5 agents have confirmed this with me over the phone, but refuse to put it in writing. I have all of their names and badge numbers, and would be glad to share.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
upon checking these accounts do not belong to me, per my consumer rights Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. Demand these accounts be removed as there has been no proof that these belong to me.

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 2023-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone used my card without my remission and unbeknownst to me for quite some time, to place a bet on a website XXXX. I have several accounts and larger deposits and withdrawals happen quite frequently in this particular account so {$500.00} was not so large an amount I even noticed it missing. However, there were several of these charges I had no knowledge of, and one of the charges actually bounced and Im not sure exactly what happened. The money was evidently owed to XXXX and somehow they couldnt retrieve the funds from my account ( thank god ) so I received a letter - only one letter and this letter wasnt from capital one or XXXX XXXX it was from a collection agency ) and called to inquire on what the heck they were talking about. The letter said I owed {$500.00} plus due to XXXX. I immediately called capital one and disputed the charge and found the others. I closed the account immediately. I also called XXXX and explained what happened. They sent a form about it being fraud I completed the form and sent back to them and WITHIN ONE WEEK I WAS CLEARED OF ANY RESPONSIBILITY. THEIR INVESTIGATION FOUND ME NOT AT FAULT AND THEY CONSIDERED THE MATTER CLOSED AND RESOLVED. 
Well.the next week I get notice from capital one ( in the form of them withdrawing {$500.00} from my new account without notice or anything in writing ) to cover the dispute which I had done. It they reversed and said I still owed the money. What in the world! So.I sent them the paperwork from XXXX two different times. Yet this is still unresolved. Ive called 6 times and each time on the phone for over an hour and everyone understands and says Im being transferred to the correct department ( Ive been transferred me over 13 times during one call because they were confused between capital one credit and bank ) theyre resubmitting the dispute and I should win once the info is reviewed. Well my question is how long is this supposed to take. They have my money the whole time. I furnish them the paperwork showing that I was not at fault. I am not responsible Im not held at fault. I sent it to them. XXXX sent it to them, so Im not sure why I have not been cleared of all fault the funds been returned to me, and that account closed. Ive called way too many times and I have been lied to no one seems to be able to know how to actually get this taken care of. Its as if the company is too big for its own good and its unfair to me the customer who is out {$500.00} while they conduct an investigation that isnt even necessary being that I supplied the paperwork from their company that they hired showing Im not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have student loans with Navient and was unable to make payments and I tried for weeks now to log in to my account and page not located. On XX/XX/2019, I requested a General Forbearance Request. I  have a true and correct copy of said document I just cant get file to upload. I still haven't received any email or telephone calls from said company. This company is threatening my default of my loan and free my bank accounts and take my tax refund. I had several hardships last year ie the XXXX, weeding, death of my grandson and was scammed by XXXX XXXX XXXX on XX/XX/XXXX for {$1500.00}. I want to make said payments just need time to get my finances back on track.

Company response to consumer: Closed with explanation