BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
hello to whom this my concern I have tried taking care of this matter but customer service wouldn't take care of it so I'm reaching out to you guys I have these inquires on my credit report that I did not request and need you guys help to resolve this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX  began to report {$76.00} open balance on my Transunion agency consumer report. The original creditor XXXX  XXXX  XXXX XXXX Who I previously had remove the same collection company removed from my account for {$860.00}. Which now they are re-reporting a new balance of {$76.00} from the previous collection placed on my consumer report that has already been deleted. I never received documentation from Transunion that we would reinsert this collection on to my credit report> This is fraud and again violating my consumer rights. In pursant to 15 USC 1681 ( 3 ) which restricts sharing my medical information to a 3rd party without my permission. In which I did not give or shown proof of my signature. This exhibits my HIPPA rights are currently violated.

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 2019-01-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My Navient Student Loan account is currently holding open and accruing interest on 5 loans that I was told were closed on XXXX XXXX according to the U.S. Dept of ED-XXXX. These loans were from the University XXXX XXXX and were supposed to be closed not transferred to another lender. These loans total {$17000.00} that was not discharged and closed but transferred and hidden among other student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello i've sent dispute letters to Transunion, XXXX, and XXXX this is the fourth round of letters i've sent out and disputed without any results. My last round was sent out XXXX XXXX. It's been over 30 days and nothing has changed. These items are not mine and are hurting my credit status as im trying to purchase a new home in the near future, thanks. 
Creditor : XXXX XXXX, Account : XXXX Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Credit Inquiry from XXXX XXXX XXXX  Inquiry Info : HARD Inquiry : XXXX - XXXXCredit Inquiry from XXXXXXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry XXXX XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : 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 2022-01-31
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. XXXX accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against XXXX XXXX and received a settlement check. However I want XXXX to remove the negative information they say I owed from all three major credit companies. XXXX, Experian and XXXX. I have hired a law firm to help remove the XXXX negative information.

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: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used a XXXX XXXX ATM at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, serviced by XXXX ) using my US Bank debit card, to withdraw {$900.00} on XX/XX/. The ATM malfunctioned, I did not receive my cash, and then I received a receipt showing money was withdrawn from my account, money that I never received. I went to US Bank first thing the next morning to lodge a complaint. Now almost a week later and heading into the holiday I have not received my money back, nor any word from US Bank regarding the status of my complaint.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.

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 2023-03-23
Company: MARINER FINANCE, LLC
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: Account information incorrect

Complaint:
I have disputed this account with XXXX, XXXX, and XXXX respectively and each time the credit bureaus state that the information was verified by the credit grantor. However, there are a number of sections that are inaccurate/incomplete on my credit report. I sent a dispute letter to Mariner Finance along with copies of Mariner Finance tradeline from my XXXX, XXXX, and XXXX credit reports on XX/XX/XXXX. In the dispute letters I requested that Mariner Finance correct the errors as well as, provide the data that was missing. I received a blanket response from Mariner Finance on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Recently, I have fallen victim to the malicious act of identity theft, and the impact has been devastating. Criminals have opened several fraudulent accounts using my name, including one with XXXX XXXX under the account number XXXX, This account, currently carrying a balance of {$1200.00} ; and other with XXXX XXXX under the account number XXXX, this account is has a balance of {$100.00}. Both of these fraudulent accounts has been delinquent, severely damaging my credit score. 
This is my first encounter with identity theft, and I must admit it has been an overwhelming and challenging experience. It feels as though my very identity has been stolen, and I am determined to regain control of my financial well-being. After filing an identity theft report with the FTC, specifically report number XXXX, I promptly took the necessary steps to rectify the situation by sending dispute letters to the credit bureaus. In these letters, I provided a detailed account of the fraudulent accounts on my credit report and requested their immediate removal. However, to my dismay, the credit bureaus have outright rejected my request, failing to provide any explanation for their decision. The refusal to remove the fraudulent accounts from my credit report is a blatant violation of my consumer rights. As a victim of identity theft, I find this decision to be deeply unjust and unacceptable.

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 2023-10-12
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2023. I have sent Equifax information relating to 3 fraudulent accounts.Which is XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. However, the company did not honor my FTC report and decided to rescind my block. In addition, I have provided Police Report, FTC report and notarized affidavits. Unfortunately, these accounts still come back verify? I contacted the creditors directly and they could not verify any account information. I requested the method of verification to equifax they did not sent any documents. Only a template mail they sent. Furthermore, I am filing a complaint. Under the FCRA, CRA must do a reasonable investigation and they havent. Also, I have a copy of letters from the creditor. Some accounts removed then re-added the same day its removed? Like what is going on. All of this is violations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion has been notified on this fraudulent account and the account holder. The account was removed but reinserted back on the account 30 days later.. 

XXXX XXXX XXXX XXXX : {$6400.00}. 
Police report is on file! 

My name is 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 2023-06-07
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 am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that XXXX XXXX XXXX absolves me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.

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 2023-10-06
Company: JPMORGAN CHASE & CO.
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:
I went inside on XX/XX/2023 to make a cash deposit at the chase bank with a teller, the next day I received a notice she did a hard pull on my credit report without asking for my permission and costing me 3 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While driving through XXXX Nevada I stopped for diesel fuel. The station had place regular leaded gasoline into the holding tank. I was the XXXX truck that ended up in the local garage that had been ruined by this gas station. My insurance company, USAA chose not to proceed against the station. On XX/XX/XXXX USAA paid {$2800.00} towards the repair of my truck after I paid my {$500.00} deductible. The repairs made and paid for were not done correctly. I continued to have problems from the original incident through the entire year of XXXX and XXXX. Finally on XX/XX/XXXX I had to have my engine rebuilt. The auto garage doing the repairs and myself were in contact with USAA as this was an insurance issue. I needed my vehicle for my job. The garage would not release my vehicle without payment. As this was an insurance issue, they refused to pay which is why I drew the money on the credit card check in the amount of {$6100.00}. From that date forward, I began my phone calls to USAA explaining why they should be responsible for payment as this was a valid insurance claim. 

I had advised USAA that this was a highly disputed account and they assigned my account to a collection agency anyway. The last bill I received said I owed {$17000.00}. How can a bill that is only {$6100.00} go to over {$17000.00}. Please help me get this matter resolved. Isn't there a time limit on how long they can try and collect a disputed account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company is trying to collect a debt from me that has false information on and I never signed a contract with this company.

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 2018-04-30
Company: BTH Management
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: Account status incorrect

Complaint:
XXXX XXXX, which is a collection agency, began reporting a new open delinquency to XXXX on XX/XX/XXXX. They list the original creditor as XXXX XXXX XXXX XXXX. I had to research to find out that XXXX XXXX is parent company to a payday loan service in Ohio. I may have had business dealings with a payday loan service in Ohio no later than summer of XX/XX/XXXX, but am unsure. I certainly did not open an account in XX/XX/XXXX, stop paying a balance, or admit to owing any such balance. I have several times disputed the reporting of XXXX XXXX, which continues to get me nowhere. Now I am having difficulty getting a mortgage because of this, as it factors into my DTI at 5 % monthly payment of the balance of the reported debt.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: CA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2020-11-04
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX when I was trying to make my XXXX payment. The office was closed due to a holiday on XX/XX/2019. So I couldn't call to make the payment. I tried logging into the web portal to make my payment but couldn't get my payment to be accepted. I was not able to make my payment until XX/XX/2019 causing my payment to be late. My credit then had a late payment reported which lowered my score almost 40 points. I disputed the late payment due to the web portal not working to make my payment on time. When I disputed the payment they took the late payment off of XXXX and then reported it late in XXXX again causing a 40 point decrease. I have tried 3 additional disputes to have the late payment removed and it keeps coming back validated. It is not an accurate reporting. I spoke with someone at the company on XX/XX/2019 advising them that I would be making my payment on XX/XX/XXXX due to that was my next paycheck date. I was advised that would be ok but I would need to make the payment online which I tried to do. The office keeps telling me that they don't have record of that call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: MOHELA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am currently a XXXX XXXX XXXX enrolled at XXXX XXXX XXXX. As verified by my XXXX from the XXXX school year. I transferred from XXXX XXXX in XXXX. I have continued to call and try to talk to someone as my loan is showing a payment coming due. Just because this is a XXXX XXXX, does that mean you can never find anyone to assist? I have spent hours on the phone trying to get through only to be looped into a message and the system hanging up. I find this to be an unfair practice when I am a student in college and payments coming due create a hardship since I am not working enough to pay them. Furthermore, I can not start out with late payments on my credit bureau. I need assistance. Once the interest capitalizes will this cause me more harm than if this loan was being handled correctly?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wire transfer sent XX/XX/XXXX. 

Receiving party allegedly did not receive. XXXX was supplied. 

Receiving bank didnt confirm. 

Case investigation opened and wire transfer was retracted. 

Money was supposed to arrive back into my account by XX/XX/XXXX. My banking institute advised my on XXXX XXXX that they in fact contacted receiving bank and process takes 30 days. 

After thirty days my financial institution advised me they couldnt retract after multiple phone calls and emails from myself. But I was given no reasoning or follow up call in regards to why. And or letter to explain. 


WellsFargo - 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 monetary relief
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a lease for a XXXX XXXX XXXX with XXXX XXXX - account # XXXX. 

I recently checked my credit report and there was a 90 day late on my credit report for this account. 

I was NEVER late on my payments and turned this in without issues. 

This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.

Company response to consumer: Closed with explanation