BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Remove this fraudulent account from my credit report in 4 days you shall block and delete this fraudulent account. Transunion has done nothing to fix this problem.

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 2023-02-25
Company: DISCOVER BANK
State: GA
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 was trying to purchase a home for my family and I and I realized that their were items on my credit report that were damaging. According to 15 U.S.C 1681 law there should not be any damages on my credit report as this is defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had been trying to payoff my mortgage for months and every month the payoff amount just kept going up?!?! Also they refused to just use my escrow to payoff my loan, the money in escrow is mine and will now take 2 weeks or more to get back in my account!! Horrible doing business and arrogant supervisor acting as if I'm an XXXX! When I asked which agency regulates mortgage companies she acted as if I'm asking something stupid!!!! More regulation needed for banks and mortgage companies lots of regulation!! I would like my escrow money immediately!! You should not get to keep my money!!! You should allow me to use it to pay off my loan in full!!! But Unpaid now and I would like someone to investigate the way they do business please. I believe they charge penalties and false interest so people can never pay off their loans. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019, someone fraudulently used my XXXX credit card ( issued/managed by XXXX XXXX   ) to purchase what appears to be the same item in span of a few days from a store or an online order in New Jersey. I live in XXXX, FL and have not been in that other state. Because I have not used this credit card in years there was no balance, upon this charges occurred statement were sent to wrong address so did not reach me. After a few months XXXX/XXXX  contact me via phone to let me know the balance for those transactions in XXXX, which were overdue, I immediately reported those were fraudulent charges and file the corresponding information to initiate a fraud investigation. When I reached the credit report entities Experian and XXXX  to report fraud, I noticed the negative reporting on my credit report, I have never being late in any outstanding credit account now or ever. I filed a dispute, both entities closed the investigation indicating that my dispute was validated with credit issuer ( XXXX ) but the late payment will remain. The account with was closed and balance removed was not late because I was not responsible for these fraudulent charges. However, despite various attempt to remove the delinquent or missed payments notes on my credit report, Experian and XXXX  has not cleared that from my credit report record, which has a significant impact in me 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 2020-06-06
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are two auto loans reporting on my credit report by the same company that I have no knowledge of. These were the result of identity theft in which a police report was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX {$5200.00} 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rent Recovery Solutions are working on behalf of XXXX XXXX apartments located in XXXX SC. The apartment complex employees entered the apartment illegally and before an eviction was issued, while also stealing XXXX of dollars worth of personal items. Including titles to vehicles. They used a cleaning company named XXXXXXXX XXXX XXXX XXXX. Quite fitting actually. We came home to a ransacked apartment and did not receive an eviction noticed until 5 days later. The amounts being asked for are far off from what was owed. Roughly about {$1600.00} vs what they claim to be almost {$4000.00}. The apartment complex goes through management employees like no ones business, and this isnt the first time this has happened, just take a look at the XXXX reviews. Trash always over flowing, sketchy water systems, and infested with bugs and fleas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I had my mother make a payment in store but she couldnt make it so I made a payment through my account. So it was a double payment. I called to see how can I get it reversed. One of the Representative told me to call my bank and make a stop payment to get my money back. So I did thats. XX/XX/XXXX I made a payment with my bank account. XX/XX/XXXX I got an email stating thats the payment didnt go through. I called right away to see what happen. Called my bank to remove it then called right back and made the payment again. The representative told me I should be fine I should get a fee or anything should happen to me. On XX/XX/XXXX I get my statement with a late fee as well with another letter saying my account is being closed due to number of dishonored payment on this account. I called down XX/XX/XXXX to explain to them thats this was something one of there employees told me to do and now Im getting my account closed and its going to affect my credit score and my history for something they explain to me to do. This is for Walmart credit card with synchrony bank

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 2023-01-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
Information is inaccurate and incomplete. Inaccurate account type, reflects incorrect date opened dates, and reflects inaccurate payment. They dont have permission to report it. Please see attached documents and remove.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without 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 ). States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
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:
Dear reader, I am with HSBC since XX/XX/XXXX and got my social security nr on XX/XX/XXXX.

since then i was told that i would have to wait to get my credit score but I never had it.

When I contacted XXXX and XXXX, they both answered that I was unknown to them.

On XX/XX/XXXX i started communication with my account representative informing him that i didn't have the possibility to see my Credit Score.

He told me to wait 3 months as my Social Security nr was too young and i had to give time to the system to generate enough history.

Since then i have been in contact with the Branch Manager at HSBC XXXX, then with the Manager, Executive Office | XXXX   Customer Relations | XXXX XXXX XXXX XXXX, with no more results ( all emails available between XX/XX/XXXX and today ). 
They told me that they report the history of my credits properly and the problem is at XXXX side so i had to call XXXX. I called but after many hours of discussion with different people it ended that they give me a list of information that HSBC had to provide me to be able to trace the reporting.

When sending those details to HSBC they told me there were some internal nr they can't provide me with and asked me for the name of the person of XXXX that i had on line but obviously call centers never give their name.

I have all emails to HSBC but not for experian those were only phone calls.

I am really desperate to find a solution to this problem as obviously i am stuck without any possibility to buy a car or a house.

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023.

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 2023-05-30
Company: EQUIFAX, INC.
State: SC
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:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Nelnet, 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:
Department of Nelnet has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education Nelnet Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-30
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express pulled an auto payment from my bank, XXXX XXXX XXXX XXXX for amounts of {$210.00} ( XX/XX/23 ) and {$280.00} ( XX/XX/23 ) not authorized by me. American Express was supposed to make an auto payment from XXXX XXXX  on both these accounts. Due to American Express ' mistake, my bank charged me 4 fees of {$30.00} each due to insufficent funds. I did not authorize these two payments for american express to pull from my XXXX XXXX XXXX XXXX XXXX XXXX. I called them to stop payment and they refused to assist me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Nissan motor acceptance corporation informed me that my vehicle was repossessed on XX/XX/XXXX my vehicle was inside a gated parking lot that only in supposed to let anyone in. But I received a letter from XXXX police dept that my car was stolen and found in XXXX XXXX Florida on XX/XX/XXXX. So either Nissan was lieing ti me or my device is being hacked again and Im getting false information from someone impersonating NMAC. But this has cause me to miss a lot of appointments and important matters. Also on my credit report it says vehicle was registered in XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. My consumer rights state that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. 


1. XXXX XXXX XXXX Account Number : XXXX* 2. US DEPT ED Account Number : XXXX* 3. DEPTEDXXXX Account XXXX : XXXX 4. US DEPT ED Account Number : XXXX 5. DEPTEDXXXX Account Number : XXXX 6. US DEPT ED Account Number : XXXX 7. DEPTEDXXXX Account Number : XXXX 8. US DEPT ED Account Number : XXXX 9. US DEPT ED Account Number : XXXX 10. DEPTEDXXXX Account Number : XXXX 11. DEPTEDXXXX Account Number : XXXX 12. US DEPT ED Account Number : XXXX 13. DEPTEDXXXX Account Number : XXXX 14. US DEPT ED Account Number : XXXX 15. DEPTEDXXXX Account Number : XXXX I respectfully request to be provided proof of these alleged items specifically the contract, note or other instrument bearing my signature. 

Failing to do so, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and since this represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: FinCo Services Inc DBA Current
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I just added XXXX dollars to my current debit card and it was cash already in my account but some 1 at the company just told me that my account has no funds so they illegally removed all my cash that I just added. I had a little less then {$25.00} in my account and I am showing proof that I added cash to my current debit card from my XXXX account so it is supposed to be cash in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: JPMORGAN CHASE & CO.
State: UT
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:
JPMCB- Auto Finance XXXX XXXX - IS reporting a late payment XX/XX/20 which is invalid. I was not late. I had called in to set up a deferment, due to COVID, and I did it in XXXX with their representative who told me it was set up for 90 days. 
Then the next month I was advised I was late and that the previous rep didn't set up my deferment correctly. They advised me they would fix this because it was not my error.

Company response to consumer: Closed with explanation