BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: FACTUAL DATA CORP.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: AZ
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 attended XXXX Arizona university XXXX. XXXX and passed but Covid took the teachers out at the end they never came back so I didnt get my degree, however I attended XXXX XXXX XXXX college in XXXX they are charging me for a grant on my credit report there are two charges from XXXX XXXX XXXX I spoke with the financial aid building and wrote them from XXXX  im XXXX and put said loan in forbearance and deferment but XXXX or XXXX or XXXX are say I owe a different ammount then what I owe I didnt think Pell grants had to be paid back. Ive been try to get a car because the dealer ships all started calling me but then then deny me. While trying to fix my credit I paid XXXX  and they didnt help me. So I contacted XXXX law and paid them nothing has happened and I only just found out that during the years I was in prison I was victim of identity theaft my taxes were ran for some of the jobs that I was on and I never got the money and I did not file those returns. Also mortgage loans were taken out in my name but they wont show them to me go over them with me or if it try to refute them them happens my own bank Wells Fargo wont help me add my electric bill or fines Ive paid for years to my account to raise my credit score

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 2023-05-05
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From the dates of XXXX I have over 20 unauthorized transactions from my chime account to a closed step.com account. Once I noticed all of the transactions I contacted chime and started my dispute I was told that since they were unauthorized the chime disputes department would be doing an investigation and I would be receiving my provisional credit within 10 business days. A couple days later dispute denied because no error was found and I reached out to support via email and told them that was wrong and that in fact an error did occur because I didnt make or authorize the transactions so support created a rebuttal and said that I can request the paperwork they used to reach the decision on my claim and again once the rebuttal has been filed I would be receiving my provisional credit within 10 days. Once again dispute denied and same thing again I reached out to support another rebuttal was filed and 20 days later after the initial denial I got the paperwork that was used to determine the denial. I found no evidence on that paperwork that would suggest that they did a proper investigation all the did was pull my transaction history well a more detailed transaction history nothing in said paperwork was from the merchant at all. Today XX/XX/2023 I was suppose to be getting my provisional credit and they wait until not only the 10 day but wait until after I call to ask them what time should I expect to receive the credit to send me an email stating they made a final decision and I can contact them to get the paperwork used to make that decision. I dont know what else to do or say to these folks to get my money back. I dont understand if I was told the system was processing my credit to my account why would they send me a email saying they are closing the dispute. I dont understand why they cant give me a fair investigation I have been with chime a very long time and havent ever had any problems until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Trans Union and spoke with a Trans Union Customer Service Representative requesting that they unsuppress my credit report and data. The Trans Union Representative used a racial slur against me and called me a XXXX and stated to me that shes not going to unsuppress my credit data at all. My credit data and report has been suppressed by Trans Union for 1 year, and for 1 year, I have been requesting for Trans Union to unsuppress and unfreeze my credit report, and Trans Union refuses to unsuppress my credit report and data. Trans Union is using racist and discriminatory business practices against me because Im XXXX ( XXXX ). Thiss a blatant violation of The Fair Credit Reporting Act ( FCRA ) and a violation of federal and state 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 2023-10-25
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX university never disbursed funds, I was told by the advisor at the time, that once disbursement was received, that I would receive a refund for the money borrowed from family and friends. I never received disbursements, and XXXX closed soon after. I just found out today XX/XX/23 while speaking with Nelnet that the loan was placed back onto my account under a different name, which is XXXX University, which I had no knowledge of. Recently gained knowledge of GreatLakes selling my account to Nelnet via my XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 Balance : {$390.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXXXXXX 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 2023-12-05
Company: EQUIFAX, INC.
State: AZ
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-22
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fraudulent account I didnt open it and I have a policereportto prove it. The credit bureaus wontremove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I purchased our first Florida home after moving to XXXX XXXX in XXXX of XXXX. We originally used XXXX XXXX XXXX XXXX XXXX XXXX as our mortgage lender. We qualified for a fixed rate conventional mortgage with a principal balance of {$260000.00} at an interest rate of 3.5 %. The total fixed rate payment was {$1400.00} per month. This included {$1100.00} in principal and interest, {$100.00} in estimated taxes, and {$110.00} in hazard insurance. As soon as we closed our loan was sold to Mr. Cooper. Our first payment to them was in XXXX of XXXX. The payment amount and due date remained the same during the initial transition. In XXXX of XXXX we were informed that we had an escrow shortage and that our payment would be increasing. It increased effective XX/XX/XXXX ( date of first payment at this amount ) to a whopping {$1900.00} ( a XXXX XXXX increase ). I have NEVER known a fixed rate mortgage to increase by such an astronomical number. As a result of this absurd increase our funds have run low. We were barely able to pay the payment that we agreed upon when we purchased the residence, never mind their increase. We feel like this is a direct violation of RESPA and very unprofessional as most people in today 's society can not handle such an increase without extreme financial hardship. That is what my wife and I are facing now. We really need your assistance with this matter at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Briefly describe your complaint : On XX/XX/XXXX/19 I had noticed there was {$27.00} from my XXXX account from XXXX XXXX XXXX XXXX. I then contacted them at XXXX. I asked to speak with a manager regarding a transaction that was debited from my bank account without my authorization. The person transferred to a Mrs. XXXX and statred to give her my information on what happen. I then stated that I changed my account back in XXXX and then in XXXX I called to cancel all my payments. I asked to speak to the person that I tooked to but she stated she no longer worked there.Then she  started to talk over me and I asked if she was a manager and she stated SHE WAS NOT. So then I asked to speak to a legal manager and what was his or her name. She then stated it was XXXX and then she transferred my call. HOWEVER SHE NEVER DISCLOSED THE MINI MERANDA. 
I then spoke to XXXX XXXX and I stated to him why I was calling. He then verified who I was but he had my wrong address on the account and stated the MINI MERANDA. I advised him that Mrs. XXXX stated she was a manager and she never disclosed the mini meranda. We then went over my account and I again asked for the person I spoke to last year and he also stated that she no longer was working there. He then stated that his company tried to debit my account 3 times -XXXX, XXXX, and XXXX but there were no funds in the account and also he stated THAT THEY DID NOT DEBIT IT IN XXXX BUT THEN ON XX/XX/XXXX/2019 .AND HE ALSO STATED THAT NOT ONCE DID ANYONE CALL ME TO VERIFY ANY OF THOSE TRANSACTION TO BE APPLIED. I THEN ADVSIED HIM THAT YOUR COMPANY SHOULD HAVE PLACED THE ACCOUNT IN NSF STATUS THE FIRST TIME AND I SHOULD HAVE BEEN NOTIFIED THE FIRST TIME WHEN THERE WAS NO FUNDS TO COVER THAT ACCOUNT BECAUSE I CANCELLED THE PAYMENTS. HE STATED HE WOULD REVERSE THE CHARGES. HOW EVER I ADVISED HIM THAT I WOULD BE FILING A COMPLAINT FOR EACH VIOLATION OF THE FDCPA THAT HIS COMPANY VIOLATED INCLUDING CONSIDER MY ACCOUT PAID IN FULL AND TO REMOVE THIS FROM THE CREDIT REPORTING AGENCIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address and request your assistance in resolving a matter related to late payments that have been reported on my credit account under your bureau. 

Upon reviewing my credit report, I have noticed that there are late payments recorded on my account, which is a cause for concern. I understand the importance of accurate and up-to-date information on credit reports, and I am committed to maintaining a positive credit history. 

XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you investigate this matter and, if appropriate, correct or remove the late payments from my credit report. I believe that rectifying this issue will more accurately represent my creditworthiness and financial responsibility. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

Thank you for your prompt attention to this request..

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-22
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-06
Company: U.S. BANCORP
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account has been paid in full and not in a derogatory status. XXXX Has not made an update to the account since XXXX. XXXX  has not updated this account since XXXX. Both credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on Both credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account.

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 2022-11-22
Company: Genesis FS Card Services, Inc.
State: MI
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:
Unauthorized credit inquiries on my credit report from CB INDIGO on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Company: EQUIFAX, INC.
State: FL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items 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

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