BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and TransUnion. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus

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 2023-07-28
Company: Experian Information Solutions Inc.
State: IA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2019-03-26
Company: Nelnet, Inc.
State: CO
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:
Nelnet is reporting incorrectly that I am 120 days past due on partial account numbers : XXXX and XXXX ( please see page 14 of the attached credit report ). I was XXXX at this time ( copies of orders attached ). Pursuant to the XXXX ( XXXX XXXX XXXX   XXXX  ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the XXXX  listed below.

Benefits offered by the XXXX include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX  for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on XXXX XXXX Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to XXXX percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your XXXX rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They are claiming I was overdrawn when I wasnt, the app is way off from what is seen on their end??

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 2023-08-05
Company: EQUIFAX, INC.
State: MD
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 am writing to dispute the following unauthorized hard credit inquiries on my credit report : XXXXXXXX XXXX XXXX  XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
An account was opened fraudulently under my name with an unknown consumer and XXXX XXXXXXXX XXXX. After addressing the issue with XXXX XXXX XXXX, they stop reporting the fraudulent account and closed it. LVNV Funding LLC has been reporting the same alleged debt since XXXX. XXXX XXXX XXXX has recently reached out to myself and the CFPB that they do not have any association with LVNV Funding LLC, nor have they sold the debt to LVNV Funding LLC. After several written requests sent to LVNV requesting they provide proof of my signature in respect to alleged claim/contract and other relevant documentation that I, as a consumer, am entitled to under Federal Law ; LVNV Funding LLC has not validated the alleged debt and still continues to report it to the credit bureaus, particularly XXXX  I have also contacted the Consumer Financial Protection Bureau with complaints against al parties involved, including XXXX an the companies reporting the information. I am currently in the process of filing a suit with my State Attorney General 's office for several violations, including but not limited to, Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my credit report that is erroneous and I feared that it may reflect a negative impact on my scores if they remain. I need these items to be removed or blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.

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 2023-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
As of XX/XX/2023 there are multiple accounts showing up on my credit profile that is inaccurate and i need them deleted. i sent multiple letters to the credit bureaus to have the information removed and there as been no resolution. XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXXhe Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXXXXXX The Following Account Is Not Mine XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Collection Management Services, Inc.
State: AZ
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 just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : COLL MGMT SR : [ XXXX ]. 

Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
PLEASE REMOVE ALL THE FOLLWING UNAUTHORIZED FRADULENT INQUIRIES FROM MY ACCOUNT - 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 IAM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL OF THE UNAUTHORIZED FRADULENT. I have filed a police report

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 2023-08-02
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX Rocket Mortgage refinance bankers male and female told me I can't get equity amount. I asked the female refinance bankers and she told me she will need to ask questions for the approval letter. I told her I didn't ask for a approval letter I just need the equity amount. Then the male asked what I needed the equity amount XXXX. Only XXXX XXXXHe said XXXX.is the equity amount only generated from equity amount loan XXXXthe difference from XXXX. I thank him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We closed on a home on XXXX XXXX the original loan went to XXXX XXXX XXXX  which had the first payment due XXXX XXXX XXXX The loan was sold to XXXX before XXXX XXXX. I called XXXX XXXX XXXX to ask about payment due on XXXX. I never received a payment coupon and I was told by customer service if it was sold before the due date no payment would be due. The loan was sold to XXXX late XXXX. Then I got a letter in XXXX that payment was due from the XXXX XXXX XXXX  I did not see the letter until early XXXX since I was in another state for the entire month of XXXX. I immediately called and they said I owed them the first payment due XXXX XXXX. I explained several times 2 people with their company told me no payment was due and I would need to do my research with XXXX  as they showed they had the full amt of the original loan. I asked the rep at XXXX XXXXXXXX XXXX to be sure to note my account and not report anything as this was not my error and I am doing my due diligence to be sure I am paying the correct company. I had trouble with getting someone from XXXX explain and show me the loan amt they paid for my loan. After I filed a compliant someone contacted me to explain. They confirmed they purchased the loan minus the first payment of XXXX XXXX. As soon as I confirmed I called XXXX XXXX to make payment. I asked that late fees be reversed and nothing show. as pass due as it was not my fault and never recieved any calls from anyone. They have reported a late payment to credit agency. I would like to have this removed immeditally. I have worked really hard to keep my credit in good standing.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I opened and account with XXXX XXXX - XXXX in XXXX of XXXX. I had an account with them until XXXX of XXXX. I owed and outstanding balance of XXXX which I paid in full on XXXX of XXXX. After full payment the account still remains as open and delinquent. This delinquency is giving me a negative impact on the credit report. I have called the lender, XXXX XXXX XXXX at XXXX ( XXXX ) XXXX, since the account was suppose to be closed. They stated there was nothing they could do and wait until the negative mark goes off the report. It has been 3 years and the charge still shows.

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 2022-06-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a JP Morgan Chase checking account. In late XXXX and early XXXX, there were XXXX fraudulent checks written on my account, both were for {$9500.00} and totalled {$19000.00}. All of the XXXX documents were completed and sent to the claims department. My account was prompting credited for the second bad check on XX/XX/XXXX. In the meantime, I closed my old account due to the fraudulent activity occurring and a new one was credited. My account is still missing {$9500.00}. I have called the Chase claims department more than 15 times in the past two months to resolve this issue. Chase already stated that they received the funds back from XXXX XXXX XXXXXXXX, which is the bank where the forger of the first check deposited the funds. However, my account still has not been credited. I spoke to them last week and they even told me that the funds were " guaranteed " to show up in my account last Friday. It never happened. I also filed a complaint with the XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a recurring issue with my XXXX store card, issued by Synchrony. Frequently, when I attempt to log into Synchrony 's online service portal in order to access my account information, I am prompted to confirm via two-factor authentication. However, I am prompted to receive a text or call via telephone numbers that I have not had access to for well over a decade, and which I never provided to Synchrony or XXXX. ( I am guessing that these are numbers they may have pulled from stale public records searches or other databases. ) When I attempt to manually input my sole current personal cell number, the one I have provided to Synchrony, it simply refuses to continue the verification process. I am therefore effectively blocked from accessing my account information.

I have had this problem recurring on-and-off for years and have called Synchrony 's customer service at least three times to get this fixed. Each time I have been assured that it is fixed, yet it continues to recur, inhibiting my ability to get my own financial 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 non-monetary relief
Consumer complaint received 2019-07-14
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Name is XXXX XXXX XXXX XXXX and I desperately need your agency intervention with my bank XXXX and XXXX XXXX On XX/XX/2019, I was on the XXXX  app and seen an XXXX XXXX for sale and offered {$400.00} for the phone and {$5.00} shipping. The seller accepted my bid and asked me to pay her through XXXX pay which I did. She told me she would send the XXXX out immediately priority mail once funds cleared. I used my BBVA debit visa card for this purchase. 

What happened next shocked me because the seller sent me an expired offer notice and kept my {$400.00} in funds. Would not answer messages sent and next she had the nerve to relist the same product to defraud more victims. I put a complaint about fraud into XXXX XXXX and they denied me could not believe this. Next, I filed a claim with BBVA my bank and they took 11 days to tell me my claim was denied. They said since I paid through XXXXXXXX XXXX  their hands are tied and that I'm out {$400.00}. This should be illegal banking practices as my card is protected by fraud. BBVA is the worst bank ever as they do not protect their consumers for fraud. 

I have emails, pictures, and evidence that I can provide your agency that clearly show this is a fraudulent transaction that must be covered by BBVA. I formally request your agencies intervention to assist me in getting my funds back as I'm on a fixed income. 

Thank you in advance for your time, consideration, and assistance in resolving this fraud. 

Sincerey, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card was stolen and I called to report it they gave me credit then froze my card and have been taking my money for months now the whole time I was receiving unemployment they took all my money and I've lost my place to live and have nothing my money is being stolen

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