BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX has placed incorrect information on my credit report. I became terminally ill a few years ago and can no longer work. I callled XXXX to ask if they could help with reducing the amt of my loan payments. They told me there was nothing they could do and no resources available to help me. My grandmother was my co-signer on the account.They continously called her and a few times threatened her. One man that called her from XXXX told her he knows where she lives. Another told her since she lives in FL she must have money and needs to pay immediately. A woman from XXXX wanted to go over my grandmothers bills with her. My grandmother thought the woman was trying to help her so she started telling her what bills she pd monthly. When she told the woman she pays a lawn service to cut her lawn, the woman scoffed at her and told her she needs to cancel that service and cut the lawn herself and informed my grandmother to use that money to pay XXXX. My grandmother is XXXX years old and just lost my grandfather 2 years ago and lives alone. She is physically unable to mow a lawn! After a few years of going back and forth with Navient between my grandmother and myself, XXXX offered a settlement. They wanted a payment of {$640.00} and this would close my acct with them and my debt would be paid off with no repercussions. XXXX was PD {$640.00}. On XX/XX/2020. They have yet to report this correctly to any of the credit bureaus. I've disputed this acct with all 3 credit bureaus several times each and everytime the information is changes with the acct to more incorrect information. I don't know what to do ... ..I was evicted from the house I was renting because we missed the last few payments on the lease prior to the lease ending. My son and I are stay I with my grandmother ( unlawfully according to her XXXX as its a XXXX community ). I'm currently having no luck being approved for a rental, not because of the eviction ( luckily not on my credit, yet XXXX but because XXXX is playing games with my credit report. There has to be something I can do to correct this. My son and I will be living in the car soon if I can not get approved for a home. 
They offered to settle after

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 2021-11-27
Company: EQUIFAX, INC.
State: TN
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:
hey, my name is XXXX XXXX. this is my XXXX time filing a complaint against this company for failing to abide by the FCRA laws this is my last time attempting to allow them to make things right outside of a courtroom. if this company fails to comply I will have no other choice but to seek legal action. because of the things that this company is reporting it has made it extremely hard for me to get my life together. I have struggled to find a place to stay and provide for my XXXX kids. I have attached screenshots of my previous complaints which one was closed because the company said it was an unauthorized 3rd party at this point I feel I am being taken advantage of and I feel they are using stall tactics to not follow the proper procedures required by FCRA laws. I am asking for the last time that please remove all these unauthorized items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX/XXXX  XXXX Inaccurate XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Inaccurate XXXX  XXXX Inaccurate XXXX  XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2020-12-19
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
On XX/XX/XXXX an account from DSNB Macys was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2019-09-11
Company: Santander Consumer USA Holdings Inc.
State: KY
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:
Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: MoneyLion 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: Their investigation did not fix an error on your report

Complaint:
Money Lion is reporting a paid as agree a, with no late payments, as 60-90 or more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to XXXX and XXXX XXXX and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( XXXX XXXX and XXXX ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Honda Financial Services ( hondafinancialservices.com, account number XXXX, Automatic monthly payments have been setup and mostly operating successfully since the XXXX XXXX was purchased new in XXXX. In XX/XX/XXXX, the automated payment of {$260.00} failed. The XXXX  XXXX XXXX checking account used for the automated payments had over {$11000.00} in checking in XX/XX/XXXX. We typically keep a significant balance in this account to pay this and other automated bill payments. When we became aware of the error, we paid Honda Finance {$520.00} in XX/XX/XXXX, and {$530.00} in XX/XX/XXXX, to resolve any unpaid amounts and fees. Honda Finance posted a negative report to financial reporting agencies, which has significantly lowered my Credit Score and rating. Honda Finance is unwilling to resolve this issue. I can not qualify for a new Home loan because of this negative credit report, which I do not believe I should be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I transferred XXXX dollars from my checking account to my savings account using bank app on my phone. On XX/XX/XXXX i noticed XXXX dollars was not in my savings but had gone into some strange account that was not on my app. I called the bank and i was transferred to, '' IT '' department. They said they would get back with me in 3 days and never did. I called back on XX/XX/XXXX and they were not willing to help me, saying it was all my fault. How can i make money go into a different account, when it is not an option on my app.. i dont even know the account and they said my account was linked to too many accounts. That makes no sense i only do my banking and not stranger banking. I would like my XXXX dollars returned to me immediately.

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 2019-09-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Central States Recovery, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2013, {$120.00}, I was XXXX in Kansas. XXXX didn't create this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: TN
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:
accounts opened without authorization

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 2018-01-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XXXX or XX/XX/XXXX. The credit reports from XXXX and Equifax indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, Equifax has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have put in a dispute for XXXX XXXX that is showing on my credit report, the have fail to remove the collection while it's being investigated which is a violation of the FCRA removing collection from consumer file while being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I requested a copy of a fraudulent application that was submitted to American Express in my name and using my social security security number on two different occasions. They responded by requesting a police report, affidavit and a photo copy of my state id. I returned the requested documents. However they wrote me back saying the exact thing they said before that they could not send me a copy of the application without a police report. Which I have already sent in by certified mail. 
This company is refusing to send me the requested application. And also the hard inquiry is still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XXXX and XXXX Hard Inquiries were made to 2 of my credit reports without my authorization or knowledge. I opened a dispute about these inquiries on XXXX, and the dispute was closed with Capital One stating they were " unable to find any inquiries that match the information you provided. '' In the letter I received from Capital One is an address that I've never lived at, or even recognize, so I'm quite sure they have me mixed up with someone with the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Following our application for a Mortgage loan XX/XX/2021, we have since received TWO " Prepaid Credit Cards '' in the mail, both within a week of each other. 

HOWEVER, WE DID NOT apply for these. 

WORSE YET, they were in the names of two different people who we have no clue who they are. These are both addressed to OUR address where we have lived for almost 13 years with these strangers ' names. 

This appears to be two cases of fFRAUDULENT USE of our credit report. 

The two companies and the the fraudulent appliers are : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Prepared in the name of XXXX XXXX U.S. BANK ReliaCard, XXXX XXXX XXXX, XXXX, IN XXXX Prepared in the name of XXXX XXXX I have not contacted the companies yet, concerned that the call will activate the cards, even if I have not made a deposit. I don't know if they have somehow attached to our Bank accounts and will attempt to make a deposit from them once the card is activated!!?!?!?!?!?!? 

How can we stop this??

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 2019-09-11
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I show a debt from Credit Collection Services out of XXXX, MA that I disputed nearly a year ago. Collector does not show verification that I owe the debt. I have disputed it and came off one off my credit files but not all three.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originated a loan with Quicken Loans in the spring of 2014. At that time I elected to pay my own taxes and insurance and for go a ESCROW account. Last year, I paid my property taxes one business day before it was due to the City of XXXX. I was assessed a late few. I called the City and gave them the transaction number and the operator told me it would be removed. I never received any further correspondence from XXXX City. I called in and they confirmed that the late fee removal is being handled under confirmation number XXXX. 

I received a notification from Quicken Loans regarding a shortage in my escrow account, which doesn't existing as I have never held. I explained to the operator the situation and that I would be paying my taxes on time as I did since 2014. I then paid my property taxes online. I later learned that Quicken Loans just went ahead and paid my property taxes for me with my approval, which resulted in a double payment. Additionally, according to the " Resolution Advocate '' at Quicken, they use a 3rd party name XXXX to track this payment. I did not authorize this and was never made aware of it until today. 

I was notified that my mortgage would go up {$710.00} ( see statement ) because of this issue. I simply cant afford my mortgage nearly doubling to no fault of my own. Additionally, {$710.00} per month is significantly higher than required to pay my property taxes ( see  attached ) .I have discontinued the autodrafting on my account until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: JPMORGAN CHASE & CO.
State: FL
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:
Recently, a scammer utilized my card information to send a payment to themselves through XXXX. Since then, chase has been provided with numerous amounts of information proving that the charge was invalid, including documentation from XXXX proving the charge was not valid and showing their intention to refund, but both sides ( XXXX and chase ) saying the other has possession of the disputed funds. I, as the customer during the coronavirus pandemic unemployed, am being forced to pay {$400.00} for an item that even the merchant wants to refund but cant. When called, chases fraud department responds with we cant assist you. It has been months now with no resolution. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2017 I sent out a certified letter to Experian which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. Experian sent me a reply by email on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.

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