BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-27
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:
To whom it may concern, Dear Sirs, Half year ago I have paid my debt to collection company, but the record of that collection still exist on my XXXX and Trans Union credit reports. 
This is the record : XXXX XXXX XXXX XXXX XXXX   Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX - Collection company

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2022, contact by collection Agency due to an unpaid Capital One credit cart of XXXX. Never opened this account and have no knowledge of it. XXXX, received notice of suit in small claims court for balance. 

Request credit report and noticed two other cards, XXXX XXXX ( XXXX ) and XXXX card ( XXXX ). Have no knowledge of both, contact applicable companies and initiated fraud complaint. XXXX XXXX Police and made complaint ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have never used any Alias.. They have incorrect names on my credit report ..Incorrect addresses on my credit report XXXX XXXX in XXXX XXXX XXXX incorrect.. I have have mailed in certified copies for these purposes including 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 2023-05-17
Company: EQUIFAX, INC.
State: MS
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 reviewed my credit report and I noticed that there are inaccurate accounts. This debt is not mine and I have tried to dispute with the creditors and credit bureaus but I got no action. I need this inaccurate information to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime Bank told me my account was being closed on XX/XX/2022. They then emailed me again on XX/XX/2022 stating my account would be closed on XX/XX/2022. I immediately called them to ask why. The representative from Chime told me to disregard all emails and that it was a system generated email. She also said my account wouldnt be closed as she couldnt figure out why I received the emails. She said she also noted in my account to fix it so I didnt receive the emails anymore. My account was closed on XX/XX/2022 a day earlier than the email said. I still havent been told why and I had over {$580.00} in that checking account. They arent sending me any of that money back. So Im filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Nelnet, Inc.
State: GA
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 went to XXXX XXXX. I was never able to use my so-called degree to help me get anything in terms of work after I graduated. I was supposed to get a full refund, but I have been getting the runaround from the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a late in 2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.

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 2020-09-12
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: Account information incorrect

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, Equifax and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions 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:
N accordance with the fair credit reporting act XXXX accounts Has violated my rights 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 CHLD SUPP VA - XXXX 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

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -Navient won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -Navient allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -Navient should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -Navient should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ),  the negative financial impact it has had on the student loan borrowers, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Friday XX/XX/XXXX, I accessed my Experian credit report to discover an error in reporting my address- this error is impacting my apartment search in a derogatory way. 

I moved to this address in XX/XX/XXXX, lived here previously from XXXX to XXXX and lived somewhere else before XXXX. 

Experian is reporting this address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) since XXXX and not XXXX! 

I can not file a dispute against Experian because they have LOCKED me out of 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 2023-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Saturday XX/XX/XXXX & Sunday XX/XX/XXXX, I attempted to log into the Experian credit reporting website. I changed my password so many times that now they are asking that I call them and give out sensitive information over the telephone. I tried to create new accounts with various emails ( XXXX, XXXX, XXXX, and XXXX ) and each time, I was told that an account already exists and that the username is XXXX. However, each time I tried to access my report or view my scores, I had to change my password, and right after I changed my password, and attempted to log in with the new password, I was LOCKED out and told that my brand new password was invalid. 

On Friday XX/XX/XXXX, I did have success and logged in to see my credit scores and found out that Experian had hit my scores with soft inquiries and lower my scores by XXXX points in 1 month. Soft hits do not impact the credit scores however, Experian did that! In XXXX my Experian score was XXXX on Friday, XX/XX/XXXX my Experian score was XXXX. 

I tried to dispute the address in my Experian file as reported that I have lived here since XXXX and I moved here in XX/XX/XXXX! 

The Experian credit reporting bureau is suffering some system wide hacking attacks and I am being victimized at this time!!

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 2018-10-04
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquires were just posted to my credit report. I contacted GM Financial for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

XXXX Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX  XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: OH
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 not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
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:
I lost my wallet with my identification and social security card and someone opened accounts for school in my name getting student loans as well as trying to get auto loans now it is impacting my credit score tremendously I have tried disputing the charges with no resolution

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 2019-08-23
Company: I.C. System, 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:
On XX/XX/2019 I have submit Complaint Number XXXX, where I asked to protect me from illegal calls and unlawful reports of I C System Inc, who report FOUR derogatory accounts on me during XX/XX/2019 with the same balance of {$100.00} about the same dept which already hit my credit history on XX/XX/2019. 
ONCE AGAIN. The derogatory account with a balance {$100.00} already hit my credit HISTORY and decreased my CREDIT SCORES in amount 18-20 scores on XX/XX/2019, and I sent you a screenshot of my credit alert about this. 
But I C system didn't leave me alone, and they used that Complaint Number XXXX to illegally know my current address and keep bothering me with their unlawful bills, now through the mail. 
Also, I never saw notifications that XXXX 's FOUR derogatory accounts were CANCELLED, and it never hit my credit history. But I saw increasing of scores for about 18.

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 2020-07-14
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This complaint is regarding the title on a car purchased from Carmax in  XX/XX/XXXX. The vehicle Vin # XXXX. I now no longer have this vehicle due to another dispute ( Lemon Law ). I filed a complaint through Carmax several times for different things such as in their possession all of my things were stolen out of the car. This time I just paid two tickets in the amount of {$290.00} due to Carmax system taking the title out of my name 3 times during XXXX and XXXX that resulted in a moving violation because my title was not registered to me the first incident happened in XX/XX/XXXX and the second XX/XX/XXXX. It was awful I almost was arrested because of the known scam of unregistered tags but this was actual my car and I was driving it when I was pulled over by police. Carmax stated they would reimburse me and never did. The vehicle was also impounded by the police during the XXXX incident I had to pay the impound fee and tow yard fee. I would like to be reimbursed for everything. Please see receipts attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a mortgage refinance closing in XXXX of XXXX via XXXX XXXX XXXX. The mortgage was picked up by Mr. Cooper who now owns the note. The refinance was done to reduce the mortgage to 15 year fixed rate with the option to make bi-weekly payments. Since XXXX, I've been calling and working with Mr. Cooper in an attempt to utilize their bi-weekly auto-pay function as a means to lower my total cost/interest fees. 
I've made 12 calls to Mr. Cooper and have submitted the bi-weekly payment forms three times to their representatives. In each case, I have completely followed instructions in terms of meeting all of their requirements to setup the auto-pay feature. Twice they have stated that they lost or did not have the application and once they stated that the picture of a voided check did not fully show the account/routing number. These seem like excuses as the account number was only missing maybe a single number from the view of the image and it was fully documented in their application. Each time, I had to spend roughly 45 minutes on hold and in speaking with representative attempting identify and resolve the issue. Today ( XX/XX/XXXX ), I've now submitted the application for the 3rd time after the previous entry was lost. The level of incompetence here is immeasurable and all the while I'm paying more in interested than is necessary.

Company response to consumer: Closed with explanation