BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 you are doing well as I write this. I'm writing to discuss a very important issue with my credit report. I've discovered multiple unauthorized accounts on my credit report, which has adversely affected my creditworthiness. I firmly think that identity theft is the cause of these accounts, and they need to be resolved right away. 

The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities about the alleged identity theft, including submitting a report to the Federal Trade Commission ( FTC ) and [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any legal transaction or credit application filed by me, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to remove them off my credit report.

Company response to consumer: In progress
Consumer complaint received 2021-06-25
Company: Crossroads Systems Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved by SBA way of submission by XXXX on XX/XX/2021 This loan said funded already and is now reporting a XXXX filing on my business credit from SBA however I never received this loan. I have sent a number of e-mails to capital Plus but no response please help me resolve this issue. 
XXXX SBA Loan Name XXXX XXXX XXXX XXXX Loan Amount {$17000.00} Interest Rate 1.00 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lender Capital Plus DocuSign Envelope ID : XXXX THIS IS A COPY The Authoritative Copy of this record is held at XXXX COP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: MOHELA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have complained before on this issue and Mohela did NOT resolve it. I made several loan payments that have not been reimbursed to me. They referenced an amount that I received from a payoff I made to XXXX that they requested for me. in the amount of {$5200.00} on XX/XX/XXXX. This was for a loan that Mohela never had control over. There was several OTHER payments that I made that Mohela was responsible for requesting from the department of education because THEY HAVE THE LOANS NOW. These payments were on the dates below with the corresponding amounts. Per a conversation I had with a MOHELA representative in XXXX. She said they would be refunded and I never got them. 
XX/XX/XXXX payment of {$300.00} XX/XX/XXXX Payment of {$400.00} XX/XX/XXXX Payment of {$500.00} XX/XX/XXXX {$100.00} I WANT ALL OF THESE OTHER PAYMENTS REFUNDED TO ME as I requested on XX/XX/XXXX via a woman named " XXXX ''. XXXX was unable to request them because Mohela is their servicer now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Originally told over the phone I would receive the XXXX sign up bonus on XX/XX/XXXX when opening my XXXX XXXX XXXX card. I have been fighting with them as they refuse to honor this phone conversation with one of their representatives. I have spent months calling and chatting with them regarding this between XXXX to XXXX. Finally On XX/XX/XXXX a chat representative offered me XXXX Skymiles to make up for this, I have screenshots and this offer is still in the chat, they asked me to open a dispute for this on XX/XX/XXXX after nothing for a month. Now, today on XX/XX/2021 after having to call in the past few weeks to get a response to this they are now refusing this that they have offered as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 i sent a letter regarding inaccurate unknown things on my report its been more than 30 Days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach.

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 2023-08-08
Company: EQUIFAX, INC.
State: NC
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Nelnet, Inc.
State: IA
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:
I made a payment via Nelnet.com 's online portal and it has not been posted to my account for more than 2 weeks although they already removed the money from my account. Breakdown of dates included below : XX/XX/XXXX - payment made via Nelnet.com online portal XX/XX/XXXX - payment removed from my bank account, still showing has pending online XX/XX/XXXX - payment no longer showing as pending AND not posted to account. 
XX/XX/XXXX - told by Nelnet employee that they can see my payment and that it could take an " unknown amount of time '' to post to my account XXXX - Payment still not posted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXXXXXX

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 2021-06-24
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: Information belongs to someone else

Complaint:
Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1.XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!

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 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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:
On XX/XX/XXXX I did go to XXXX and made a purchase in the city of XXXX CA. That evening I went to ATM machine in XXXX XXXX CA around XXXX pm and pulled {$40.00} out. Walking back to my car I receive a message from Bank of America service : stating that there was a possible fraudulent transaction happening at restaurant in XXXX CA for just over XXXX XXXX I immediately sent a reply NO and card was blocked. It looks like banks fraud recognition computer software was able to recognize restaurant transaction as fraudulent because it happened so close to time of ATM withdrawal and placed a hold on my card. It does make sense because how is it possible that my card was charged for XXXX at XXXX1and another transaction been denied at restaurant in same city of XXXX while I am at ATM getting cash XXXX miles away at same time of the day. The only logical explanation that it was fraud. 
Bank of America is stating that I have shopped at XX/XX/11 before there for I am responsible for this charge? 
I have never authorized that transaction and never shared my card with anyone. Have not authorized for anyone to use my card and do not have any duplicates of card issued. I do not know how the thief got a hold of card number and pin. I have not been to that city in past XXXX years. This is not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NV
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 experienced identity theft in XX/XX/2023, where my social security, ID, and other documents were stolen. I noticed that there is a hard inquiry on my credit report made on XX/XX/2023. I have since activated a fraud alert and a credit freeze on both XXXX and XXXX. However, when I try to make an account for Equifax, it says that my address does not match what is already on file. I have not ever made an account with Equifax, leading me to believe the thief has made an account impersonating me and has the incorrect address on file. I would like to change the address to my correct address, as well as change any other personal login information so that the thief no longer has access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My open XXXX XXXX XXXX XXXX  was removed from my credit report. Experian told me it was because the lender ( XXXX XXXXXXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me

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 2021-06-25
Company: GATEWAY FIRST BANK
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent Gateway Mortgage my XX/XX/2020 payment on XX/XX/XXXX. Due to COVID the mail was behind and they didnt receive the payment until after XX/XX/XXXX causing me to have a late payment reported. I have ask them to please remove this late payment, but have been unsuccessful. I was in contact with them every day once the contacted me letting me know the payment hadnt been received. The representative just kept telling me to call back and they were notating my account and it wouldnt be reported late. That was my main concern and I continued to ask them that. I know they record the calls if they would pull the call they would see I kept calling and was told nothing negative would be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX  from US Auto Sales. The cost of the XXXX was XXXX. I also purchased a warranty and Gap insurance policy my total amount financed was XXXX according to my credit report in XXXX of XXXX. Now since XXXX of XXXX I have made 30 consecutive payments of XXXX which adds up to XXXX which should leave a balance owed of XXXX. As you may know my loan was transferred to Westlake Portfolio Management in XXXX of XXXX they claim I owe XXXX and am needing to pay XXXX per day interest rate. I have tried to explain the situation to them but as a result am currently facing repossession of my vehicle. I thought I was rebuilding my credit with this loan and it has inturn harmed my credit immensely. I also am required by my contract to carry a sufficient insurance on my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: N26 Inc.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received a notification from my banking app with N26. Was told that I needed to resubmit my identification again, for security reasons. I submitted my ID again to the app. This was yesterday on XX/XX/XXXX. Today, on XX/XX/XXXX, I receive an email that my account is now closed with no warning. I call N26 up on the phone, and after being on hold for 2 hours, I'm told my account was closed because of a new system update in place, I can open a " new '' account, and I may not speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: NJ
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 have not get any letters from this company to let me know if they are investigating or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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:
I am kindly requesting assistance from CFPB to please help me in REMOVING THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS. This was my follow up complaint regarding the mentioned issue. And please assist me in making sure that the Experian and XXXX will finish removing the remaining fraudulent inquiries and the removal of the fraudulent inquiries from my XXXX credit report that the credit bureau itself neglected. Once again, these are the specific list of fraudulent inquiries in the specific bureau to be removed : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ( XXXX bank ) has a auto loan date XXXX/XXXX/XXXX  which is seven years old and should be remove 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 explanation
Consumer complaint received 2021-06-25
Company: U.S. BANCORP
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2023-02-09
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is illegal and should not be reporting on my credit XXXX Amerifinancial Solutions XXXX : XXXX Acct # XXXX Medical Payment Data

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and I'm disputing the XXXX XXXX XXXX Charged off account that is reporting inaccurately. Im requesting that you reinvestigate this account and then remove it from my credit report for violating FCRA 15 U.S.C. 1681 section 623. 

FCRA violation. Credit Reporting agency has failed to list XXXX XXXX XXXX as a disputed account after a valid dispute was sent. 

FCRA 623 ( a ) ( 5 ), FCRA 623 ( a ) ( 2 ) violation. Inaccurately reporting date of last payment and last active date as XX/XX/XXXX. Simultaneously, inaccurately reporting payments after the account has been charged off for the following months ( XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX ). 

FCRA 623 ( a ) ( 2 ), section 605B violation. This account was disputed by consumer as fraudulent and this information does not relate to any transaction that I have made.

FCRA 623 ( a ) ( 5 ) violation. Credit Reporting agency does not list closing date for charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: PA
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:
The following inquiries in my file is fraudulent : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX My name is XXXX XXXX XXXX XXXX XXXX The following names are not my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-08
Company: GOLDMAN SACHS BANK USA
State: PA
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 about to move across country when my XXXX broke. I went online to buy another one, and was offered a payment plan by Apple. I accepted the offer and used my current email address on the application. My XXXX arrived, I moved across country and went about my life. Unfortunately, Apple was sending billing statements to the old email account that was used to originally setup my apple account, instead of the new email I used on the credit app, and I never received a bill. It took a few mohths before I finally realized that I had not recieved a bill, so I called apple and paid the entire account in full. I asked the agent on the phone if everything was taken care of, or if I needed to do anything further, and she assured me all was good and this would not affect my credit. 

Months later, even though I had not recieved any bills to my email or phyiscal mailing address, there was a 30 and 60 day late notice on my credit report from Apple. When I called to find out why, apparently there was an interest charge of around XXXX cents that did not get paid off when I had called to pay off the account previously. I paid the XXXX cents and closed the account. Now apple refuses to remove those late transactions from my credit report because my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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