BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.

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 2019-02-02
Company: Informative Research
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:
I have been turned down many times. My husband and I have the same name and XXXX XXXX doesn't believe us. No he has pasted away and still have people looking for my deceased but using my name doing it. I have many companies going into my account for information I don't know. I just got my report in many years as I was turned down my one company in Texas after reviewing your report at XXXX as their reason for declining me. I would like all my inquiry 's removed as I don't know up to 99 % of any name I saw on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
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:
On XX/XX/2016 XXXX XXXX used my social security number to do a hard inquiry on my credit report without my consent. They never asked for my consent to check my credit report and I never gave my permission. This inquiry shows up on my XXXX and XXXX  credit reports. When you fill out an application on their website, you are prompted to enter your social security number. The website states that your credit will not be affected. You are never asked for your consent for XXXX XXXX to check your credit. I would like for this hard inquiry to be removed from my XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Nelnet, Inc.
State: KY
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:
My issue is a credit reporting from the student loan company nelnet. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. Nelnet should have been properly handling my payments to avoid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
A Hard inquiry is on my credit report on XXXX XXXX, 2017, not sure what it is from the only thing that is showing is the following, and did not authorize a hard inquiry on my credit report. 

XXXX XXXX, NC 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 2017-12-07
Company: Rocket Mortgage, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I keep getting calls from various credit card reduction companies which actually end up taking 33 % of the payments sent in to them to be applied to a person 's credit card balance. Before being XXXX, I worked in XXXX and so understood these are not non-profit companies and have refused the services of all of them. It is difficult to remember the names of all of them and they also use different phone numbers when calling because I do have " caller I.D . '' Quicken Loans is the company that calls the most often and whom I have emphatically requested they do n't call me again. I have some high credit card balances ( 2 ) and I have already made arrangements with the one with the highest balance because I want them to eventually get all the principal owed to them. I tell the companies I have already made arrangements and not to call me again but they call several times a week. According to Lending Regulations, a lender is not to call before XXXX XXXX or after XXXX XXXX and not more than once a week unless it is a direct mutually agreed upon second call but these places do not abide by these regulations. One of the places was a power company I specifically said NO to and I was already on an energy assistance program I had waited in a que to receive. They not only changed my supplier to them but it automatically knocked me off the long awaited " XXXX XXXX '' electric program which is a wonderful, non-government program. I worked very hard when I was able to work and my health has deteriorated drastically. I am on XXXX XXXX XXXX and can not take the stress of these calls and how pushy the people are. Many of the calls are company from XXXX and XXXX. Please help me to stop these calls and calls asking for donations ( like the XXXX ) because I simply do not have the extra money for these political and charitable entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trans Union Credit report XXXX dated XX/XX/XXXX, Consumer Statement have incorrect information about a landlord tenant dispute dated on about XXXX. The landlord reported un unpaid rent and was aware the dispute originated for failure to provide laundry facilities and cable television. The landlord dispute is not longer valid after 7 years, consequently, under Consumer Statement ( Note : This statement has no expiration date ) is incorrect.

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 2021-03-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B- XX/XX/1982 SSN : XXXX I was denied a Checking account today at XXXX XXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a CHEX SYSTEM REPORT ASASP!

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 2021-08-23
Company: ID Analytics, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: NAVY FEDERAL CREDIT UNION
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:
I have two CC with Navy FCU the account that I am talking about is the credit card with the line of credit XXXX ( Not the XXXX limit ). After contacting navy federal credit union when noticing that someone that use my card fraudulently they close the account down completely gave me a temporary provisional credit which I was never able to use and then reversed the transactions and put them back on the account causing me to have a balance for items that I did not purchase nor did I receive benefit from. Navy federal credit union failed to send me any fraud of affidavit forms or paperwork or notification advising me that they had reversed the charges I called the automated system spoke with a representative and they were the ones that told me that the dispute was not in my favor. They also retaliated by completely closing the account down permanently when they have a 0 % fraud liability which is utter false advertisement and they need to be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
Although my account with XXXX XXXX was sent to collections, I was able to pay them the past due balance of {$61.00} directly instead of the collection agency. I was assured by two representatives that XXXX would contact Credit Collections Services to have it removed from my credit report since it was settled through them. I received an alert that it was marked as closed on my credit report instead of being removed. I immediately contacted Credit Collections Services and was told they don't remove cable collections. XXXX XXXX said they'd have the collection agency remove it according to the transcript attached since it was paid to XXXX directly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XXXX of XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.

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 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked at my credit report and there is a mixed file. They merged my credit report with my dad credit report. I wanted to separate it out.

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 2019-02-02
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
My name is XXXX XXXX, DOB:XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XX/XX/XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current.

It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.

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: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 of this year, I noticed a alleged debt was placed on my credit report ( s ) from named debt collector in the amount of {$1800.00} from XXXX. I never received proper information stating this debt was mine or that i signed anything. A copy of a phone bill isn't proof of ownership of debt.I know my rights as a consumer.I disputed this alleged debt to credit bureaus but haven't shown proper verification that this company is allowed to collect alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 My mother, XXXX, transferred {$260.00} from her Chase checking account to my Chase checking account. The reason for this transfer was because my account began the business day of XX/XX/2019 with a balance of -XXXX. When we checked the accounts on the morning of XX/XX/2019, we found that the transfer had completed and posted from my mothers account. My account however now had a balance of-XXXX, with no record of even a pending transfer. We contacted Chases customer service and both repeatedly verified our identities. After speaking with multiple customer service representatives, we were connected with a manger XXXX XXXX, who refused to provide an id number. Her analysis of our situation was that Chase has policies that allow them to process the funds transferred for 1-2 buisness days. She also was unwilling or unable to remove the insufficient funds fee applied to my account. We cant get the money that has been transferred back either without be charged and delayed even more. We both have used this transfer method in the past, with each other and others, and have never experienced a delay like this before. The money was also designated for time sensitive expenses of mine that have caused me tremendous financial problems. I feel like they used their policies to steal from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23
Company: ALLY FINANCIAL INC.
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.

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 2018-06-05
Company: EQUIFAX, INC.
State: AZ
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: Billing dispute for services

Complaint:
XXXX XXXX  has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Choice recovery is not licenced in the state of fl. And it 's reporting on all three credit bureaus. I need for it to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Billing dispute for services

Complaint:
XXXX XXXX  has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my 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 2019-02-02
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Advance America, a loan company of whom I have an account : has taken over 1600.00 dollars from my VA XXXX account, leaving me with no funds for groceries, utilities or insurance. I am behind on my payments, and feel that I should have had some warning about this. Also I was under the impression that these XXXX funds are immune from garnishment.This company is located in XXXX, Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation