BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: Rosebud Economic Development Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Today I received money deposited into my checking account for XXXX from this company for a loan I did not apply for

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 2022-03-01
Company: BMW Financial Services NA, LLC
State: NV
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:
BMW Financial Services XX/XX/XXXX, XX/XX/XXXX This was a joint account and my credit report shows 2 late payments while the other person on the account shows 1 late payment. I tried to reach out to bmw but they will not remove it or look into it any further. 

I have 8 credit Inquires from XX/XX/XXXX that i did not authorize XXXX of XXXX XXXX BANK 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit reporting agency has blocked me from accessing my credit report when needed and have blocked my social security number from applying for credit.

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 2020-07-01
Company: EQUIFAX, 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 am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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:
Experian continually ignores my request for dispute and ignores my comments about being a victim of identity theft. I sent Experian an FTC Identity Theft Affidavit which I am allowed to do per my consumer rights. Experian not only allowed fraudulent inquiries, Experian continues to report a fraudulent account on my credit file as well. Experian states they verify the information with the data furnisher. However Experian couldn't possibly verify it with the data furnisher because I never received the account nor ever signed any application. I did not register the accounts and I did not receive any monetary transactions from these account 's. My wallet was stolen and my identity was used fraudulently to obtain these account 's. I do not know who the thief is, and I do not know who obtained the information. I have made it clear and in detailed my victim statement. My Social security number was used without my permission to obtain these account 's and or apply for these account 's. The companies involved DID NOT Clear my extended fraud alert before opening these account 's and Experian states they verify information however the company confirmed they didn't clear my alert. These are Extended fraud alerts / victim statements that the company chose to ignore. 

Fraudulent Accounts - XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX - XXXX Balance {$2200.00} ENTIRE BALANCE and account fraudulent no application was submitted no application was signed. 
Date Opened - XX/XX/XXXX XXXX XXXX Bank {$590.00} Balance Date opened XX/XX/XXXX. No contact information account never applied for fraud alert wasn't cleared nothing was obtained no card was received. 
XXXX XXXX XXXX  XXXX XXXX Balance {$150.00} Date opened XX/XX/XXXX Fraudulent application loan never received no proceeds were received opened by thief. Company was notified. 
XXXX XXXX XXXX Date Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Inquiries - XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX The accounts listed above and inquiries were the result of identity theft. This information is not to be collected upon as I am notifying you of my dispute. These are fraudulent applications, There is an extended fraud alert on my credit file the creditors ignored. I did not receive any cards or proceeds from these account 's.

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 2022-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed through XXXX for the amount of {$200.00} and {$280.00}. 

I opened two claims with my bank. 

1 ) claim # : XXXX Amount : {$200.00} Money was sent via XXXX to the email address : XXXX Item being bought : 3 VIP tickets for XXXX XXXX XXXX XXXX for XX/XX/22. 

This person acknowledged I would not be able to use the tickets as he couldnt access his email address. He stated he would send back the money but refuses. I have screenshots of the amount of messages I have sent and phone calls. He provided me with a copy or a false ticket. 

2 ) claim # : XXXX Amount : {$280.00} Money was sent via XXXX to XXXX Item being bought : 3 VIP tickets for XXXX XXXX XXXXs XXXX for XX/XX/22. 

This person lied about having VIP tickets as well. He wanted me to send an additional {$210.00} as he claimed he could not change the tickets to my name. He then admitted he was wrong and would send my money back but he refuses to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accurate Collection Accounts : XXXX XXXX- shows that account is still open and 7 late payments. This information is incorrect. This account is paid off in full on XX/XX/2022 and no payments were ever late. 


XXXX XXXX XXXX- I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX XXXX I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX. XXXX, XXXX - I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report Inaccurate Hard Inquires : XXXX XXXX- this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize it XXXX XXXX - this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report 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 2022-07-18
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: Personal information incorrect

Complaint:
According to 15 U.S. Code 1681e section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

There are multiple inaccuracies listed on my credit report from personal onformation, collection accounts, derogatory accounts and account statuses.

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 2022-07-18
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:
I recently reviewed my credit file and unfortunately found that some of unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following unauthorized inquiries from my credit file within the next 15 days. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2017-09-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX, we reserved a rental car online thru XXXX. They reserved in calif but billed to their head office in XXXX XXXX. This was 'suspicious ' according to Elan so they blocked our card without notice. It was a Fidelity card issued by Elan Financial Services. 
We called and supposedly had our card unblocked especially the XXXX charge, that we advised was legitimate. When we traveled to pick up the car XXXX XXXX, ..it was still blocked! We called again and unblocked it again. 
Our complaint speaks to the general issue of blocking cards without notifying card users. 
Of course we are cancelling this card, the agrivation became just too much. However, we would welcome regulation that would require card holders to be notified of blockages. In some ways I feel they were harassing us to get us to cancel due to our age. 
Our card was blocked nearly every other month we used 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 2018-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
when I review my statement I found the transactions blow XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX   XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$4100.00} I did not made those transactions On XX/XX/XXXX I filed a frud claim to Bank of america and they told me that the transactions will remove from my account But on XX/XX/XXXX I found the transactions again in my account I called bank of america many times but no answer I filed a claim with CFPB Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Someone from bank of america called me and told me that they will review my case Yesterday XX/XX/XXXX I received a letter from bank of america that my case is denyed I moved from my old address ( XXXX XXXX XXXX, XXXX XXXX ) before these transactions I did not made these transactions and I did not receive anything from this company and even I do not have XXXX account I should have no liability and I am secure with the credit card

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 2018-05-15
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am unable to get an amortization schedule of my loan online to determine allocation of principle and interest as well as when my loan will be paid off or when the loan will adjust since Im on the graduated payment plan. When I contacted Nelnet, on XX/XX/2018, the customer service rep was unable to locate my disclosures as well and asked to email them to me after they were requested from a different department. I called Nelnet because I noticed my original principle balance was approx $ 38k and now my payoff is approx $ 46k. Ive has my loan with them for about 8 yrs and my loan has increased about $  8k due to interest ; Ive never been late on a payment. At this rate Ill be paying on this loan until Im XXXX yrs old and my interest could easily be half of the original loan balance. I want to refi this loan ; however, Id like to see all my options to ensure Im getting the best rates and payment options. 

I know this is a violation of TILA as my disclosures should be available and accessible to me. I should know how my payments are being allocated and have been allocated as well as future allocation and rate or payment adjustments. Now I have to wait for another department to generate my disclosures. While I wait Ill become distracted with other things until I come back to it, in which theyll already have another payment with additional interest or Ill need to call back to make another request if I dont receive them timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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:
I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Information belongs to someone else

Complaint:
On XX/XX/2021 XXXX XXXX XXXX filed for collection on my Trans Union credit report. I filed a dispute. Trans Union decided it was a legitimate claim. I called Trans Union and talked to a supervisor and after digging further into it, they decided the account belongs to another person, they even told me their name. Trans Union said they would remove the collection from my account. But now they have decided to leave it on my report and are trying to negotiate a settlement for me to pay to have it removed. Please help.

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 2022-07-18
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 information incorrect

Complaint:
I recently reviewed my credit file and unfortunately found that some of unauthorized inquiry were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the unauthorized inquiry from my credit file within the next 15 days. 
XXXX XXXX Inquiry : XXXX. XXXX, 2022

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 2022-07-18
Company: TRUIST FINANCIAL 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:
In accordance with the Fair Credit Reporting act XXXX XXXX accounts XXXX, and account # XXXX has violated my rights. 
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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
Consumer complaint received 2022-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have mulitple credit cards with Capital One. I reached out about getting some negative remarks removed. I was told to write a letter detailing what went wrong and why I missed my payments which were when I was XXXX overseas which I can provide my military orders. I was told later on through phone call that remarks would be adjusted but when I checked they changed the wrong dates and didn't fix what needed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: OK
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:
15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by 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 non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: OK
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:
15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2017-09-03
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
on XX/XX/2017 the credit report was to be a soft inquire on the app XXXX XXXX XXXX XXXX XXXX NV XXXX THROUGH THE VA BECAUSE I AM AWARE HOW A HARD INQUIRE WILL AFFECT YOUR CREDIT SCORE THIS WAS TOLD BEFORE THE REPORT WAS PULLED.OTHERWISE I WOULD OF REFUSED HAVING IT PULLED.IT WAS TO MY UNDERSTANDING BECAUSE THIS WAS SENT FROM THE VA IT WOULD BE A SOFT INQUIRE.YESTERDAY I OPENED A SAVINGS ACCOUNT AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX THE VP/XXXX XXXX SAID I COULD GET A CREDIT CARD WITH MY CREDIT SCORE I SHOWED HER MY XXXX XXXX ACCOUNT BUT IT WOULD OF BEEN A HARD INQUIRE AND BECAUSE OF THAT I REFUSED IT BECAUSE I DID NOT WANT THE INQUIRE ON MY CREDIT REPORT.I HAVE WORKED VERY HARD TO MAINTAIN GOOD CREDIT MY 3 CREDIT CARDS SHOULD HAVE A XXXX BALANCE.I WAS TOLD IN XXXX THE VA WILL APPROVE ME FOR A XXXX DOLLAR CARD IF MY CREDIT STAYS AS GOOD AS I HAVE BEEN KEEPING IT.AND MY INCOME HAS INCREASED TO XXXX XXXX PER YEAR.THANK YOU 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 non-monetary relief