BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solution XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You 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 2023-05-10
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/XXXX I submitted a mortgage loan estimate request through Navy Federal Credit Union ( NFCU ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at Navy Federal Credit Union and was later told they could approve a third of what I wanted. Had I known or had any transparency from NFCU I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: SunTx Capital Partners
State: FL
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:
The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
They keep sending me offers telling me I'm qualified and an offer number so I go online and apply and it states that I was approved for an amount providing I can provide the proper documentation which I can then everytime they turn around and say no I'm sorry we can't help you at this time. My main problem is not that they didn't give me the loan the problem is this is the 3rd time they tell me I'm qualified and they do a hard inquiry on my credit reducing my credit score after I've worked hard just to get it over 605.even on my XXXX XXXX app it says my approval odds are good for this company I just answered another one of their letters only for them to turn me down and lower my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: WI
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:
Experian continues to list false addresses, false ssn and false spelling of my name. Experian has also reported someone else account as mine. I asked how they verified this info and they have not sent me any reply.

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 2018-10-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Three accounts opened online in XX/XX/2018 with {$1000.00} each for a total of {$3000.00}. BMO has frozen accounts and continues to charge {$7.00} in fees per month while I have no access to my funds. Multiple 30 minute phone calls with BMO customer service and no resolution. Advised to call 'XXXX  XXXX. ' in fraud department, called and left message with my call not returned. Received email asking for documents to proof identity, returned email with all requested documents in a timely manner. No response. 

Went into branch on XX/XX/18 to verify identity and resolve but the branch was also unable to unfreeze my account and refused to refund the fees that continued to accrue. Asked if I could just close my accounts and get back my {$3000.00} deposit but was told the {$14.00} in fees will not be returned. 

Unacceptable to freeze account, charge fees and refuse to unfreeze account even after identity verification completed in branch.

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 2022-10-17
Company: Bridgecrest Acceptance Corporation
State: GA
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:
In accordance with the Fair Credit Reporting Act. This creditor Bridgecrest has violated my rights. 
-Under 15USC 1681 Section 602, states, I have the right to privacy.

-Under 15USC 1681 section 604a section 2. It also a consumer reporting agency can not furnish an account without my written instruction.

-Under 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Please rectify my report and obtain my privacy. Let me know if there is anything else you need from me. 

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 2019-01-30
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
Discover Card ( credit card company ) sent me a letter indicating that they were lowering my line of credit. This was based on a review of a credit report provided to them by XXXX. My credit FICO score with other agencies and credit card companies is quit high - plus XXXX and is currently at XXXX as reported by XXXX  as of XX/XX/XXXX. 


Discover Card listed my FICO score as XXXX and included " multiple delinquencies '' as a reason of lowering my line of credit with them. I have not missed a payment with Discover or any other CC company since XX/XX/XXXX!! I have requested that Discover PLEASE review this matter and consider re-establishing my credit to the previous status. 

I have spoken and communicated via email with representatives at Discover. 
A few have admit that there seems to be no reasoning behind the decrease in my credit line. They also can not see where a FICO score of XXXX was ever provided to them from XXXX  exist, but do see it was included in the notification letter that was sent. I also checked my report directly with XXXX XXXX - there FICO score was well above a delinquent XXXX score. 


I am just looking for some help to limit the damage that an erroneous credit line decrease can create. I've worked hard to establish a good and positive credit standing. 
I'm not sure why Discover is unwilling to work with me to resolve this matter. I'm asking you there for some assistance. 

Thank you for any help you can provide me in this matter, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX is lying about not receiving my new insurance from XXXX XXXX XXXX XXXX. This coverage starts from XX/XX/XXXX - XX/XX/XXXX. 
A copy has been made available for them On XX/XX/XXXX, I filed a complaint against XXXX with CFPB. In that complaint I pointed out that my loan impounded my insurance premium etc. So if there is a lapse in coverage, it is the fault of XXXX. XXXX obviously realized it was their fault and agreed take care of the lapse. However, behind tbe scenes, they tried to make me responsible for it. This is why I filed the last complaint. I am enclosing the picture of the letter from XXXX where they tried to bully me into paying for the lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I had traded in my leased BMW vehicle, a XXXX XXXX XXXX XXXX, to a XXXX dealership on XX/XX/XXXX when I purchased another car. On that same day, I had requested and received a payoff letter from BMW Financial Services showing a payoff amount of {$27000.00}, specifying that it may be titled to the original lessee ( me ) or a " licensed automobile retailer ''. This payoff amount was listed as being valid until XX/XX/XXXX, and I have attached this letter to this complaint. 

I traded in the car to XXXX XXXX of XXXX, which is a dealership licensed in the state of California for retail car sales. XXXX sent funds in the amount of {$28000.00} to BMW Financial Services ( they had obtained a payoff {$1000.00} higher than the one sent to us ). This payment was received and processed by BMW Financial Services on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from BMW Financial Services stating that there was a balance of {$5000.00} on the vehicle, and that the payoff was actually {$33000.00}. This is not what their original payoff letter on XX/XX/XXXX stated, nor is it the payoff amount that the XXXX dealer obtained prior to mailing the payoff funds to BMW.

Upon calling BMW, they stated that there was a {$6000.00} discount applied to the direct customer purchase of the vehicle. As is clear in all payoff documentation that we have received, this was never specified, implied, explained, nor stipulated in any way whatsoever. This also does not explain the different dealer payoff amount that was obtained by the dealer which payed off the vehicle. Again, the only stipulation mentioned anywhere in the payoff letter provided to us is on page ( 3 ) of the attached payoff letter in which they state " Due to state regulations, the title can only be transferred to the original lessee or licensed automobile retailer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with one of Transunion 's representative and they would not help and take care of negative inquiries reporting to my credit report, that I had no knowledge of the list of inquires I requested to be deleted were : XXXX  XXXX  XXXX  - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX  -XX/XX/XXXX 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solution XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You 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 2022-12-28
Company: Experian Information Solutions Inc.
State: DE
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
On XX/XX/XXXX i traded my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX paid Capitol One and received the title for the transaction. The check was short XXXX and no one was made aware of this. Capitol One put late fees and charge off on my credit report. I obtain a letter from XXXX XXXX explaining how this is their responsibility and that it should not be any late fees or charge offs on my account. I have talked to Capitol one about this 5-7 times now. Each time i was told my account will be fixed, so far no updates. Been trying since last year to fix this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX has continuously violated my consumer rights. I've disputed this account multiple times and they have failed to add this to my consumer report in the comments section.

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