BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: Avantus, LLC
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:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Forbearance needs to count towards XXXX- so many had to go into forbearance because they were unable to make the payments due to working in lower paying jobs, therefore missing out on months of possible payment counts for XXXX. MAKE FORBEARANCE COUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX  {$650.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX* XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: CT
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:
in accordance with the fair credit reporting act, Equifax has violated my rights. 

Equifax is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give Equifax any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
As I reviewed my recent report, I have found an unauthorized inquiry reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for this item : XXXX XXXX Date of inquiry XX/XX/2020

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 2023-10-31
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In early XX/XX/2023, we request PMI cancellation from US Bank and during the initial stages, it was explained a property valuation would be conducted via a Brokers Price Option ( BPO ) and the process would commence once a written request, along with the property valuation fee, was collected. The US Bank representative stated the process could take up to 120 days ; however, if approved, PMI payments would be retroactively refunded to the process initiation date ( mid XX/XX/2023 ). The valuation report was completed and dated XX/XX/2023. Initially, our PMI cancellation was rejected due to inadequate property valuation. I requested reconsideration and received the valuation report and instructions on how to request reconsideration. I determined the comparable properties ( Comps ) submitted by the BPO were inadequate and did not accurately reflect the square footage, as well as other significant features of our home. Additionally, the valuation included real estate listings and Comps, although the instructions provided by US Bank stated only Comps should be included. The submitted reconsideration was granted utilizing appropriate Comps, via a letter from US Bank dated XX/XX/2023. We subsequently received a refund check for {$1100.00} and six days later another check for {$450.00}. I inquired from US Bank regarding the amounts because in totality, both didn't equal the refundable amount due. The letter from US Bank dated XX/XX/2023, stated PMI was cancelled effective XX/XX/2023 and the {$1100.00} check reflected the PMI provider surplus amount and the {$450.00} was for a mortgage insurance disbursement from the escrow account. As confirmed in the aforementioned letter from US Bank, our PMI was cancelled on XX/XX/2023, although, we continued to have PMI disbursements collected from our 2023 XXXX, XXXX and XXXX mortgage payments, totaling {$1300.00}. I contend these payments are immediately due from US Bank.

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 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/2017. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/2017 that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.

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 2022-02-05
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: Account status incorrect

Complaint:
I couldnt afford to make the payment because I was making payments and it was not going towards the principal. Instead the balance kept rising. So I decided to surrender the car in XX/XX/XXXX. They sold it in XX/XX/XXXX. They never sent me a repo letter. Also they never adjusted the balance. Also on my report its still saying open and that I was making payments. So I checked my credit XX/XX/XXXX and it says I missed a payment which caused my credit score to drop 38points. They never contact me a bout the vehicle once it was sold I had to call and request documentation. And on the document it says something totally different from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company " XXXX XXXXk '' for XXXX XXXX, sent me a bill as stated in my previous complaint after I paid my balance in full. They billed me for interest charges on a XXXX dollar balance. They stated in their response to the consumer protection bureau that as a " courtesy '' they would reverse the erroneous charges and remove the inaccurate date from my credit report, which was a lie. They did not remove anything from my credit report ; and to add insult to injury, they are now trying to bill me almost double the original amount. I received a bill for {$71.00}. Please investigate. This company is unethical and engaging in fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Auto dealership forge my signature with Golden one bank. I tried to dispute the charge off against my name for {$25000.00} but I was denied by the bank, even when supporting documents from the court stating that I was awarded an abstract of judgement for {$43000.00} XXXX XXXX superior court of XXXX XXXX XXXX XXXX which was never satisfied and it is now a tort or dormant judgement. All necessary documents was provided to them and they still denied it. My case still open since 2010 with no movement becaused I can not afford a lawyer and could not get a loan due to credit issues. I tried getting help from FBI and Secretary of State but no help at all. Please let me know if you could help me out. 

Thank you 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Three months ago in late XXXX which is the time after graduation, I received a call from XXXX saying that they found out there is a phone number under my name that keeps sending fraud messages, in order to keep my personal credit, I need to prove that this is because someone is using my information to register that phone number. So she connected my call to a XXXX police, who is a scammer. And the police initially pretended to help me with the phone number, and he also make another call for the upper office to see if there is any other card under my name. And the upper office says Ive been involved in a secret international money laundry case, where someone stolen my information and there are already victims sending money to my XXXX  XXXX XXXX bank account. So the police asked me to download XXXX and show me his police number and card and he send me some case information. He asked me to report my safety to him every several hours and not allowed to go outside. 
After several days, there is another person who pretend to be the Attorney general, he said he need to arrest me for 90 days to gather information and evidence until approving my innocence. So I was totally panicked, and they send a file XXXX which contains my past driving license and also my past hotel living history and travel history. So I was totally shocked The police said that from his perspective Im a good person and hes willing to use his job as an insurance for me to stay in US until the case being closed. 
But for that, I need to put some money in the XXXX XXXX bank for approving that I will not escape. So I transferred XXXX dollars for the first time, and they asked me to report 2 days before if I want to go outside. 
After several days, they said the victims are so angry why I dont need to go back to XXXX to solve this, so they raised a case upon me, in order to prove to them that I dont have that intention, I will need to further prove XXXX dollars and once the case is over the money will be send back. 
Tracing back this is a huge lie but I was too shocked and dont dare to tell anyone because this is a secret case. And they asked me for the final XXXX dollars for the lawyers fee. I was a little bit scared and dont dare to tell my parents since they provide the first two rounds of money and for the last round I use my salary and some money borrowed. I was so desperate like several weeks ago. 

The scammer 's phone number is : XXXX XXXX I already file a claim to Bank of America about this fraud and my claim number is : XXXX. 

Also the FBI and XXXX local police and XXXX police. 

Please help me I really really need your help really, I feel so hopeless and don't know how to live right now. 

Please help me with my bank please

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 2022-02-23
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

Ally Financial XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Information belongs to someone else

Complaint:
I have two fraudulent auto loans on my credit report that the credit bureaus refuse to remove. One from XXXX XXXX XXXX and the other from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit 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:
A charge for {$100.00} was made after much research of available attractions. The terms stated that all attractions were open and eligible. 
Due to the main attraction we wanted, we purchased the plan only to later find out that the attraction was closed for the season and advised this to the merchant selling the attraction pass. The merchant failed to update accordingly and fraudulently advertised an attraction that was unavailable. As a result they issued a 50 % refund. A dispute was filed for {$53.00} multiple times and GS agents continuously placed as the full amount including supervisors that said they understood and still put full amount. 

Countless times assured only {$53.00} dispute and each time notified by email that full amount was disputed. Each time being ignored to rectify. Then closed advising refund was already issued. The problem here is everything Ive said is ignored by GS and unreadable documents from merchant is the decision to deny the claim. 
This pass would never have been purchased if the merchant would have not been fraudulently deceptive. GS agents say they can only take my complaint and send to a department that refuses to communicate with me. 

Even after making a XXXX accommodation request, I continued to be ignored and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: Account status incorrect

Complaint:
XXXX is reporting my five loans under sequence numbers XXXX as being closed with Experian, XXXX, and XXXX when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to Experian, XXXX, and XXXX. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: MI
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

I have a public record from your court appearing on my credit report. Ive disputed the item with the credit bureaus Experian, XXXX, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

XXXX XXXX XXXX Bankruptcy Im not sure what Legal Authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow, or share any public information with you. Youll need first- hand knowledge because theyre the primary creditor! Remove the report and update it with a new one. 

I have previously disputed this item with you XXXX XXXX Bankruptcy case and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted 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 explanation
Consumer complaint received 2018-01-03
Company: Diversified Consultants, 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: Information belongs to someone else

Complaint:
I have an account that seems to me is a bank account closer and its negative in my credit report. XXXX XXXX XXXX in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 


4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as for any purpose.

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