BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: United PanAm Financial Corp.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Rights have been violated according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: GOLDEN 1 CREDIT UNION, THE
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: Card was charged for something you did not purchase with the card

Complaint:
account balance have to be XXXX balance somebody used my card without my permission, card stolen bank ignoring my dispute never fix it, I'm not responsible for all charges on this credit card

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This creditor is reporting inaccurate information about the account status.

XXXX  Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 16815-2 ] ( a ) Duty of Punishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting infor actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate! 
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( D ) Definition. For purposes of subparagraph ( A ), the term " 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 non-monetary relief
Consumer complaint received 2020-12-15
Company: AXOS FINANCIAL, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was looking for a refinance for my primary home and started the application process with Axosbank on XX/XX/2020. I started filling up the online application and went IN and OUT couple of times and still not decided or finalized that either I will go with them or not, so my application was never submitted or finalized. On XX/XX/2020, at XXXX I received an email from axosbank stating " You're almost there. You started your mortgage refinance application, and it will only take a few minutes to wrap it up. Please take a moment to finish, and well move you forward in the process. '' Which also confirmed me that I have not submitted and finalized my application, but later that day in the afternoon I received an alert from my credit monitoring that a lender pulled a report. I looked and found out that Axosbank did it, I emailed and later spoke with my loan officer at the bank who said he is not aware of what happened and he will find out from his manager and get back to me. 
Later that evening my loan officer named " XXXX XXXX '' called me and confirmed me that the I logged in to their system on XX/XX/2020 and never logged in after that and he also told me that since I have started the application which in other word agreeing their terms and condition to pull my credit, they are entitled to do and this is what his manager did. His manager pulled my credit on XX/XX/2020 even though my application was still in draft and never actually submitted. 
my concern is I started the application doesn't give them my consent to pull my credit report until I finish the application i.e. hit the " Submit Application ''. 
Loan officer " XXXX XXXX '' stated that according to his manager this is incorrect. if client started application, regardless of he finished or not, they are entitled to pull credit. 
This is wrong practice and illegal. by visiting their website and click on apply now button and just putting my social and other information doesn't give them the permission to pull my credit. They pulled my credit report without my consent and without my permission. 

There is no where on their application process its stated that regardless of you submit the application or not they will pull the credit. This is illegal and misleading consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear TransUnion Credit Bureau, I have contacted you several several times regarding the fraudulent hard inquiries on my credit report and sent you all the documents including FTC report to you. But didn't get any results, so I have to submit a complaint on you, since I couldn't get any assistance from you. These hard inquiries are fraudulent, I never authorized them Please delete the following hard inquiries from my credit fil : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After I reached out to Capital One asking for verification of debt with my two accounts I had with them. After being unable to provide the requested documents they closed both of my accounts without my permission This is a violation of my consumer rights per USC 15 1602 p.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX 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.

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 2022-10-16
Company: NCB Management Services Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Texas Guaranteed
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: Account status incorrect

Complaint:
Contacted company requested they stop reporting an account that was paid off by insurance as derogatory, chargeoff, and/or collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: TX
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:
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 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 2023-08-13
Company: U.S. BANCORP
State: WA
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:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX president contacted US Bank for the first time about two unauthorized amounts of {$160.00} that came out on XX/XX/XXXX and XX/XX/XXXX. These charges seemed to correlate with the time that XXXX XXXX  switched over to US Bank. He spent countless hours on hold and on the phone talking to US Bank fraud department and calling the supposed merchant XXXX on XX/XX/XXXX, XXXX, XXXX with no success. When that was ineffective I XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) went to the bank in person with XXXX on XXXX and spent hours trying to rectify the situation. In the end US Bank fraud department refused to refund these fraudulent charges. 

We have since closed our bank account on XXXX XXXX, XXXX and changed banks to avoid any further fraud, but we still want to recoup this money.

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 2023-04-17
Company: American Credit Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of 2022 I refinanced with XXXX XXXX  from American Credit Acceptance. XXXX XXXX then contacted me to get the status of the title which they have still not received. My rate has now went from secured to unsecured. ACA said they did not receive the money from the check which they have stamped. I have been back and forth with them since XXXX of 2022 to get the account fixed. I have talked to many agents explaining the situation and provided the paperwork needed. On XX/XX/XXXX my car was repossessed by ACA. I was in contact with them to understand the repossession. They then explained that they have the money and it was put to a different account. They said the repossession will be put on hold while they start an investigation. They did not put enough effort into fixing this issue even with the many different people I talked to. Please help me my credit has been affected and now there is a repossession on my credit.

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 2022-06-19
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this collection account 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 2023-01-13
Company: Experian Information Solutions Inc.
State: HI
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:
I had a credit card with XXXX XXXX which they closed for no reason. I was paying it off monthly. I have been working hard to get all my debts paid and make sure my credit report was accurate because I am trying to buy a house. I made my last months payment and due to an error in THEIR system it drafted from my old account so my payment was returned. They were calling me XXXX times a day but the number doesnt come up, it says spam and they were calling while I was at work. Once I realized the error I immediately paid and the payment cleared BUT they had updated on my credit reports that the account was past due and that I owed {$240.00}. I owe {$140.00} and this balance will be paid off with my next payment. Also, it says I have a past due amount which I have a screen shot of saying I do not. I couldnt get in touch with XXXX XXXXXXXX because I no longer have this card and when you call you need an account number or they hang up on you. So I cant even dispute this with them on my own. As a result of this situation my credit score dropped XXXX points with experian in one day. And it dropped XXXX points with XXXX. All of the work Ive done with my credit in the past year is completely invalidated. The credit reporting agencies are very quick to report one error but will not report/update the inaccurate information. Its very frustrating and unfair.

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: EQUIFAX, INC.
State: NC
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:
Around XX/XX/2022, I discovered that XXXX is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with XXXX transferred to XXXX  in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my Equifax and XXXX credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. XXXX is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. Equifax completed their " investigation '' in less than XXXX weeks and stated my loan with XXXX was accurate. I then contacted XXXX and explained what I was seeing on my dispute report. The XXXX representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from Equifax that XXXX DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with XXXX. The representative told me she could not send me anything like that through email. I then informed her that XXXX did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from XXXX stating I paid off my XXXX loans with them. I then did another dispute with Equifax and uploaded the emails from XXXX. I then contacted XXXX and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this XXXX inaccuracy. I have also reported this to my state 's Consumer Protection Division.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear TransUnion Credit Bureau, I have contacted you several several times regarding the fraudulent hard inquiries on my credit report and sent you all the documents including FTC report to you. But didn't get any results, so I have to submit a complaint on you, since I couldn't get any assistance from you. These hard inquiries are fraudulent, I never authorized them Please delete the following hard inquiries from my credit fil : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: OPORTUN FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
Transunion is reporting XXXX inquires on my report, that I didn't authorize. I advised them, and still not removed. Please remove inquries XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Statement Due Date of XX/XX/XXXX, for New Balance of {$400.00}. 
1. Actual charges on statement are {$97.00}.

2. No other charges are listed.

3. XXXX through XXXX Statements ALL have been paid on time. I have ALL Statements for XXXX, and NONE list any Fees, Late Charges, interest, and ALL show NO " Past Due Amounts. '' I always pay the FULL AMOUNT to avoid interest. 
4. I have my XXXX XXXX 's Statements showing ALL checks were deposited/cashed by Chase Card Services .

5. I telephoned Chase Customer Service, XXXX times today, XXXX XXXX. I was disconnected by a " XXXX '' after the usual virtual " Customer No Service. '' Next call, I got thru the virtual no help, to a " XXXX. '' After explaining the problem, she transferred me to a Supervisor. While on hold, I was again disconnected. 
6. Since this is a " Slam Dunk '' mistake on Chase, one has to wonder if they are " skimming/Embezzling/ or outright Fraud as XXXX XXXX did ?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: ACS Education Services
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom it may concern, I had a student loan with ACS-education for about four or five years that I paid on time faithfully. I attended XXXX XXXX XXXX in XXXX in the early XXXX. I did complete the XXXX XXXX course but had a real tough time finding a Job that I could pay bills let alone a student loan back but with my ignorance I let the student loan go into default after deferring as long as I could once I was able to get somewhat on my feet I tried to get back to fixing my credit to be a homeowner one day and I was pushed to ACS-Education where I was making payments that I really could but if I didnt it would hurt my credit and I would not be able to buy a house. There were times when I did my taxes that I was able to pay a little extra. When I would ask for my loan to reflect my pay, they told me repeatedly No I must pay what they asked and if I was paying {$370.00} only {$50.00} was going to my principle. It was a horrible experience. After getting nowhere I was forced to consolidate with a private company and got a break on interest being pay and more money has been going to my principal. 
I tried to look up my account on ACs-education but found that were sold to another company I still have my account number but can't get into site for information. ACS-education was never user friendly and only took advantage of me in my situation. ACS managers never helped me and only took my money.

Company response to consumer: Closed with explanation