BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Request for Removal of Fraudulent Account from Credit Report I am writing to inform you that an account listed under my name with your institution has been opened fraudulently. I have recently discovered this unauthorized account on my credit reports from XXXX, XXXX, and XXXX. 

The details of the fraudulent account are as follows : Account Number : XXXX I have not authorized the opening of this account and have taken immediate steps to report this identity theft to local law enforcement and the Federal Trade Commission ( FTC ). I have attached copies of these reports for your reference. 

I kindly request that you investigate this matter promptly and remove this unauthorized account from your records. Additionally, I ask that you contact each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) to inform them that this account was opened fraudulently and should be deleted from my credit reports. 

I understand the seriousness of this situation and am eager to cooperate fully in this investigation. Please let me know if you require any additional information or documentation from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with XXXX XXXX Equifax XXXX XXXX XXXX and Consumer Financial Protection . During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: REGIONS FINANCIAL CORPORATION
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
They called saying I had a fraudulent charge on my card and commenced to asking information on the card and my account. They tried to set up a mobile card account on there phone but I was on the other line with my bank and had it blocked The number they used was XXXX XXXX XXXX XXXX and 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 2018-01-06
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was out of work for a month due to XXXX. I went to the office where the loan was made and explained that I could n't make a payment for the foreseeable future but as soon as I could get on my feet that I would resume payments. Their solution was to loan me more money. That was the only option they offered. I could not get approved for another loan. 
They have called relentlessly ever since! Even though I have assured them that I had no money for the payment. 
The store manager even came to my house today depending payment! 
A day which the office is closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was checking my balances in my savings account and noticed that Navy Federal Credit union had removed a XXXX for IRS withholding from my savings account. I called and they explained that my information on their files did not match anything the IRS had on file. This response is beyond ridiculous. I opened this account back in XXXX of this year and all information was given to them. If something is missing then the proper thing to do is to reach out ie ) a phone call, or email at least some request for contact before taking a customers funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX Account Number : XXXX ] Reason : [ need late payments removed asap, ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, [ XXXX k ]

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 2023-06-08
Company: Block, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am a victim of identity theft and have repeatedly reported instances of fraud using cash app someone is currently logged into my account in North Carolina and I reside in XXXX Maryland which is my current location

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Documents have been sent out to the company acknowledging the fraudulent transaction that occured in the begining of 2022 for a loan of XXXX. Affidavit of Truth, XXXX XXXX XXXX XXXX, Affidavit of Truth All Accounts Are Paid In Full was included in the documents. 
-Pursuant to 12 USC 83 Banks cant actually loan money.

-Pursuant to 12 USC 1431 the role of banks is to not extend credit nor loans. 
XXXX XXXX Transaction -Conspiracy -Unlawful -Rico Act -False Marketing/Advertising

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
i was told that i have a loan for a car and i do not own a car so there shouldnt be a loan under my social at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Like many individuals and families in the country, I have been struggling to make on time mortgage payments. This has been even more challenging during the COVID-19 pandemic.

My mortgage lender, mr. cooper, is offering a Pandemic Forbearance Plan with a key benefit being no late fees or penalties will be applied. 
I have requested of mr. cooper that I be allowed to enter the Plan retroactively for prior months in 2020 to have late fees and penalties removed for the months that I struggled to make the mortgage payments on time but made them nonetheless. 
I was advised by mr. cooper representatives that this is not allowed and they offered no other assistance. 
I am not aware that my request, albeit outside of the standard applicant request, is not allowed as mr. cooper has advised.

Is this denial of my request and their refusal to provide relief of any sort in compliance with the CARES Act?

The mr. cooper representative, in a final statement of insult, suggested that I should have known about the plan sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CORELOGIC INC
State: FL
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:
On XX/XX/21 I got an alert on my credit report for a company called CREDCO did an inquiry on my credit report. I have never heard of this company nor did I authorize. I called them and representative XXXX said she didnt see anything in her system under my name and social security number as to why it would be on there. This company is fraudulently gathering credit inquiries.

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 2022-12-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Citizens one car loan .Has violated my rights. in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have insurance with XXXX XXXX XXXX. My daughter was in a rental while some mechanical issues were being repaired. While in this vehicle, a rock hit the windshield of the rental car while on the highway. I filed a claim with State farm and they advised that the claim was reported to Lexis Nexis as a " not at fault incident. '' However, I am seeking new insurance quotes and they are coming back in the thousands of dollars per month due to this reporting. I am being told that Lexis Nexis is reporting an incident with another vehicle and the claim was placed under liability instead of comprehensive, also I was told by a carrier that they are reporting a payment made over the threshold. There are no details listed stating this is a simple windshield claim that does not involve another vehicle. This negative/inaccurate reporting is causing me a financial burden. I am unable to receive reasonably priced car insurance. I am requesting that this be reported accurately and proof of the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Chime Financial Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I paid for a plane ticket with my chime card and they did not send me my airplane information so I called chime to cancel the transaction and chime will not give me my money back I paid for it with XXXX that's who I did the plane ticket transaction with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third or fourth complaint submitted to the CFPB regarding TransUnion, as well as, XXXX, and the mistakes they need to correct on my credit report. I have been back and forth with many of their customer service representatives and have also reached out to their management via email. I was told that I would receive and update after the pending reviewal of my credit report and the corrections to be made. Although, I never received any update besides the response they gave to my previous complaint to the CFPB and no corrections were made on my credit report. 

I am a victim of ID Theft and am including the documents I have as proof. My personal information has been compromised and used by someone other than me and they opened fraudulent accounts without my authorization. 

The following accounts were opened fraudulently without my knowledge and must be DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$10000.00}

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 2022-12-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
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 an account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector many not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: MOHELA
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've been on an income based repayment plan of {$0.00} in XXXX my student loans were marked as being late when they were supposed to be listed as current like every other month prior. I spoke to a represented shortly after in XX/XX/XXXX in was told that the late payments would be removed from all XXXX of my student loans, but it hasnt been updated on my credit report, I've spoken to another rep and was told no lates were ever reported. 
I would just like the late payment from XXXX and XX/XX/XXXX removed from my credit report from each of my student loans showing on my credit report. Updated to Paid as agreed never late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX XXXX began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX to all 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 explanation
Consumer complaint received 2021-03-09
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:
For 3 months, Synchrony Banks automated system has been taking money from the wrong account. When paying your bill you have 3 options- Choose the Date, Choose the account, Choose the amount you pay. Pretty straight forward, until you hit SUBMIT and the payment automates to whatever account their system chooses to use for the payment. 
I removed the accounts that were " ACCIDENTALLY '' being drafted with the operator- I made a direct payment with them, and the money finally came out of the correct account. This had happened 2-5 times, over drafting an account that I do not have the option to put funds into, so when they would take the payments I would cancel them trying to reverse the computer 's " ACCIDENT '' and not only has this over drafted that XXXX acct for payments, Care Credit/ Synchrony is closing my account stating that I made too many " unfaithful '' payments- so I asked to speak with their managers- they ALWAYS hang up on me. This is not a single or couple times, this has been going on for months- I have tried to call and respove this issue for 3 days and they keep hanging up and not transfering me past a customer service person who states the issue is mine and all mine, not their system. Their automated payment system is faulty and they are making it my problem, and telling me i have to open a new account now. THis is exactly what XXXX XXXX was doing in 2010!

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 2023-01-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The below company placed a hard inquiry on my credit report for a credit card that I did not apply for. I have no accounts/ have never had any accounts with this company. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2021-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is an incorrect name and address listed on my credit reports. I have tried to dispute these to have them removed but for whatever reason they continue to 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 2022-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
- Never been delinquent on a credit card in my life - BOA notified me on XX/XX/11 that my account was late - I use AutoPay generally and didnt get an alert- I paid over {$500.00} the moment I did on XX/XX/11 - BOA XXXX told me on the phone that once processed delinquency or missed payment would drop from my report. 
- Credit score dropped XXXX points since they reported it - I have been working with a Government XXXX XXXX XXXX XXXX fix my score. In spite of this, a misunderstanding like this just set me back years and now I am stuck. 
- My account is paid. Tried speaking with BOA to take this off report and they have not done anything - I need help since this card company is taking advantage of this situation I am stuck despite using government DMP resources- Fully employed at XXXX XXXX XXXX  XXXX making over XXXX annually.

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