BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have sent documentation to all 3 credit bureaus showing that XXXX XXXX XXXX finance was paid off in full by my insurance company and they have not removed the negative comments that is defaming my character. This auto loan was taken out in XXXX. 
I totaled this vehicle on XX/XX/XXXX. Bureaus are reporting this account as being in a bankruptcy in XXXX. How was this vehicle in a bankruptcy in XXXX when it was totaled and paid for in 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 2020-02-11
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
In XXXX I opened a Macys card unfortunately due to a divorce that card was charged off in XXXX I received a letter stating that the account would be removed from my credit report permanently ( which I misplaced ) however as of today XXXX XXXX I can still see that information on my credit reports .I would like the information to be validated that this is an old account that is past the statute of limitation and seeing that is delinquent or derogatory reporting to have it removed from my credit file permanently.

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 2020-02-11
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: Their investigation did not fix an error on your report

Complaint:
Fraudulent credit applications were made in my name with XXXX XXXX  on XX/XX/2019 and XXXX XXXX on XX/XX/2019. These companies contacted TransUnion to check my credit. XXXX XXXX  and XXXX XXXX became suspicious and called me inquiring if I applied for credit. I told them NO and they cancelled the credit applications. I have contacted TransUnion - as well as XXXX XXXX  and XXXX XXXX  on FOUR ( 4 ) occasions requesting that the fraudulent credit inquiries be removed from my credit report. To date, the 2 fraudulent credit inquiries remain on my TransUnion 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 2020-02-11
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I noticed a fraudulent transaction on my checking account associated with the Cash App app. After contacting my bank and closing my debit card I received an un-requested Cash App card in the mail in my name. I never opened a Cash App account so some one must have opened an account in my name and attempted to withdraw funds from my bank. My issue is that there is no way to contact this company to report the account as fraudulent unless I download their app and log into the account I never opened in the first place. I want to close this account asap before they use it to scam someone else in my name but there doesn't seem to be a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone used my XXXX 's Capital One credit card number to purchase e-gift cards online over 2 days totaling {$1200.00}. They used my daughters maiden name as who it was being sent to. They created a whole new fake email account with my name to have the gift cards sent. I have disputed the charges 2 time and they said it was determined to be a " domestic situation ''. I have asked for them to send me proof of where the e-gift cards were spent and they have provided me with nothing. The last disputed letter said " After verification with the merchant ( s ) in question, we determined that the merchandise was delivered to your home address. '' I have received nothing by email or mail to my " home address ''. I refuse to pay for something I did not receive or order. It frightens me that someone has gotten access to not only my card number but my daughters identity. Capital One has not been receptive to solving this problem any further. If they looked at my purchase history, they would see that I hadn't used this card in years and have never purchased e-gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion, XXXX, and XXXX continues to report an account without my consent. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XX/XX/19

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 2022-06-15
Company: Bepensa Capital, Inc.
State: NY
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  XXXX XXXX  Inquired on XX/XX/XXXX company caused a hard inquiry XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry. 

AFS ACCEPTANCE LLC Inquired on XX/XX/XXXX company caused a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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  XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry CREDIT ACCEPTANCE Inquired on XX/XX/XXXX company caused a hard inquiry. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry

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 2017-09-12
Company: EQUIFAX, INC.
State: ID
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:
According to www.equifaxsecurity2017.com, Equifax compromised my private information during the " hacking incident '' as of XXXX. They waited until XXXX to make the public aware. According to XXXX, Equifax 's Chief Officer of Security obtained her degrees in XXXX XXXX. I believe this was negligence on the part of Equifax to treat network security so haphazardly, given the amount of information on the amount of people they currently have the information of. More than one hundred million Americans are impacted by this incident. Equifax can not directly be reached by phone or email at this time. 

This incident will impact the rest of my life, and possibly even beyond that, as the information that has been misused includes my birth date, full legal name, SSN, all applicable prior addresses and legal relationships. It will cost me thousands of dollars to keep my compromised information from being used against me over the coarse of my life time, including fees for freezing and unfreezing my credit, expenses for credit security, and so forth. 

I never consented to doing business with Equifax, but it is known that they have information of everyone who has ever had any kind of loan, debt, bank account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: U.S. BANCORP
State: WI
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:
Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my Elan Financial Services Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 (  where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed a total of five fraudulent transactions on my Chase credit card and reported them to Chase as soon as I noticed them on XX/XX/XXXX. Chase bank refuses to take these fraudulent charges off my account. When I opened my credit card with Chase, I was told that I would have zero liability for unauthorized fraudulent transactions that appear on my credit card. This is clearly not the case, as Chase has no problem lying to you to get your business. Below are the fraudulent transactions that appeared on my credit card : XX/XX/XXXX for {$2900.00} XX/XX/XXXX for {$6000.00} XX/XX/XXXX for {$4100.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$6200.00} for a total of {$19000.00} in unauthorized, fraudulent transactions If you are looking for a credit card, stay away from Chase. They will hold you, the customer, responsible for unauthorized fraudulent transactions on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I just received my credit report from Experion. Where they show my addresses of where I have lived, they are showing 2 different addresses at the same time which is incorrect. I have lived at one address since 1992, till present. Can this be corrected?

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 2019-09-05
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last XX/XX/XXXX of 2019, I sent letter to Altisource ( attached evidence ). Also enclosed were photos of damages that Altisource have done inside my home when I was working. Altisources Agents entered my home at the time when we were negotiating for our HAMP Tier 2 Loan modification. Altisource have entereed constantly even without foreclosure on my home. Altisource continuously bothering inside and outside my home. 
Altisource have already created huge and insurmountable damages by breaking in my house by destroying 2 of my locks gates infront of home, removing the covers of all my attics, tearing all my carpets and destroying my walls as well my kitchen cabinets as shown on these photos I attached. These are evidences that they have harmed and done illegal acts inside my home that is not foreclose, and these are the reasons ; I am informing their wrong doings. 

I am requesting for your regulatory measures, In spites of my notice to Altisource, they disregarded and not respected my notice, instead Altisource continuously attempting to break in again to my home, in spite of their recent damages happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Pursuant to the FCRA, the following accounts listed below are in violation of my rights. 

XXXX Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX/XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy and I'm invoking that right. 15 U.S.C 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Since I know instructions were not given then this is now considered fraud. I am requesting the deletion of all accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: HI
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:
Experian credit bureau refused to removed a wrong credit charge by XXXX XXXX from my credit report. I have addressed this issue with XXXX through Judge Advocate General ( JAG ) of the United States XXXX. I closed the account that I opened and paid it off when I was going to go on permanent change of station. XXXX XXXX had fraudulently used my information to open several accounts without my knowledge and they want me to come and pay for the accounts which I did not owe. 
Other credit bureau have removed this information from my credit report but Experian has refused to remove it.

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 2022-06-15
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-09-12
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX NAVIENT Complaint To whom it may concern, NAVIENT Called me today. It seems that my conversation with them last Friday, XXXX XXXX, XXXX was not documented XXXX XXXX, I made my first-ever payment to the NAVIENT department online, I also set up a direct deposit account as well. This would ensure my payment would be met, on time, each month. 

Friday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, in full. We agreed this would be best. She than directed my phone call to an automated message stating the terms and conditions of forbearance on my student loans. After the recording finished, the womens voice returned and she asked me if I agree to the terms and conditions stated in the automated voice message, I said No Way. We both agreed that it would be best to not forbear my loans and that I can pay the full amount in XXXX. 

Today, Tuesday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a different woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, and I also talked with another representative of NAVIENT last week. She then told me that her college must not have taken these notes and that therefore she is calling today. 

We both agreed that it would be best to not for bare my loans and that I can pay the full amount in XXXX, only this time, I told her I do not, in any way, agree to for bare my loans, She stated, If you do not forbear your loan it will look much worse than if you were to just for bare them until you can pay the full amount!. Again, I told her No and No again! She kept trying to get me to agree to the stupid forbearance. 
Finally, she ended the conversation with, Fine if youre not willing to forebear your loan than we will continue to call you every day until you pay in full, I said, Fine, and we were disconnected. 

I set up AUTO Pay in XXXX, after checking my account today, while on the phone with her, I was presented with a screen stating, my loans were not eligible for Auto Pay. 
As I write this, I am watching my account, and it has been pushed from In Grace to Past Due. 

This is not okay, I should not be past due, I should not be bullied into placing my loans in forbearance! 

Respectfully, xxxx

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied for XXXX XXXX. Over the phone. I was mailed out a chip to insert in my phone never worked. I was informed to take it to XXXX XXXX in XXXX Ga. the guy stated he could not help me was he keep the chip. So I got a phone thru XXXX. They keep sending me threatening letters and keep putting in my credit report. Prove to them never use the chip. I have sprint on that same phone and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported merchant for damaging my vehicle and Chase is reversing charges although it cost more to repair. XXXX in fraud claims on XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Nelnet, 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:
Dear FirtsMark/ XXXX XXXX, Thank you for your request of my drivers license, however, it contradicts to the information you send over through CPFB. When I asked your firm to send over any supporting document to prove the loan belongs to me, you sent over a foreirgn passport indicating the loan belongs to a foreign student. I don't think a foreigner will have a US drivers license. I already told you that I'm a US citizen and I never lived in Texas, where according to your document, is the place the loan originated. Thus I have to believe that you don't have a drivers license on file for this alleged loan, and you have no proof that it belongs to me. Unless you can send over the alleged drivers license on file to connect this loan to me, I demand that your firm remove this fraudenlent information from my credit file within 5 business days you receive this. Otherwise I will sue you for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 (  where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit  bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation