BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: FORD MOTOR CREDIT CO.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom this XXXX concern, I got on my phone and opened my bill pay app from XXXX and it said that I didn't have a payment due in the month of XXXX. So naturally I just thought I was XXXX month ahead. When I logged in today it showed that my account was more then 30 days past due. I made both payments today so that the account was current however we are never late on our payments and would not have been late this time if it wasn't for Fords app telling us that we didn't have a payment due. I'm not blaming XXXX, however I am blaming a faulty/malfunctioned app. In the current digital world that we live in, an update on a phone or an update to an app could cause this type of situation. This caused a XXXX point drop in my credit score and I have worked really hard on my credit, I would really appreciate some help with this matter. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX   XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i should have nothing on my credit history except for 1 times a year payin taxes i have had id problems since i was a small boy ive never had a credit card and only 1 bank account and it is with 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 2021-01-11
Company: Mortgage Research Center, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020. 
I received an inquiry on my credit report that I didn't make. I reached out to the company, Veterans United and I was told I would be called back and I never heard back from anyone. I called two more times and my third time calling, my call was escalated to a supervisor. They supervisor couldn't find my name or information in their system. He asked If I was married and explained my spouse may have filled out an application and ( added ) my name to the application. After researching further, he found that to be true. My name was added to the application. However, I never authorized this company to run my credit. Adding my name to an application is permissible. However running my credit without my consent is not. I tried to resolve this matter by simply asking for a letter from Veterans United that would remove this inquiry from my credit report. However, the supervisor disregarded my request. Veterans United had no authorization or authority to run my credit without my permission or signature. After explaining all of this, they are refusing to correct this matter. I would like this inquiry removed from my XXXX  and XXXX  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 2016-12-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit management, Inc Sent me a pre-approve offer for a 40 % discount of a credit card debt. If payed before XX/XX/2016 The original amount was {$7600.00} The amount payed with 40 % discount is {$4600.00} So I agreed and payed it on XX/XX/2016 with a promise to receive a confirmation statement sent to my address.It had n't arrived. But I received a XXXX statements on XX/XX/2016 Stating that my payment returned or declined.But according to my bank the payment was received and cashed on XX/XX/2016 Attemps where made to resolve this issue by going to various address that were on the statement but were fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08
Company: HARBORONE MORTGAGE, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, I requested a per-approval letter from XXXX mortgage to buy a home. XXXX Mortage lender XXXX XXXX, pull my credit history without my approval. he told me that he can not issue a pre-approval because he did not have my XXXX forms for the past years. i said my accountant is on vacation and i can not current get them. i asked him to withdraw my application. However XXXX XXXX pulled my credit history and that damaged my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 wrote in with a complaint that the CFPB clearly didn't care to back me on stating that my score/report couldn't be retrieved due to me not having a file or ssn. I was told in that complaint by XXXX exclusively that they saw no issue fast forward XXXX days I needed my credit for a car, same issue but now it was with all XXXX bueruos there was a " consumer decreased as of XX/XX/2022 '' alert/statement stoping all applications and reports from being seen by me and causing me to be locked out of my online accounts. For the past XXXX days I've spent over XXXX $ in mail delivery and faxes/prints and copies and over ( documented ) XXXX hours!! On the phone with each agency. Numerous times they said " we don't see it '' I talk to a manager they say we do but you must send this in to remove it and I do, its off, then another alert is added and back and forth it goes. SOME OF THE VIOLATIONS include The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I have nothing but time on my hands so I will file complaint after complaint talk to every lawyer that will listen and go after every company until I am compensated and I will raise my fee per complaint I have to redo

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 2016-03-11
Company: MARINER FINANCE, LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Mariner Finance continues to report that I have a delinquent/past due balance with them. I am no longer legally required to pay Mariner Finance anything nor do I have a past due balance. I have disputed this on seven occasions with the credit bureau and have contacted Mariner Finance directly. I have yet to receive a response from Mariner Finance.

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 2022-10-21
Company: Experian Information Solutions Inc.
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:
CFPB + Experian, On my Experian credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my Experian credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.

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 2022-10-21
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for loan forgiveness in the beginning of XXXX of XXXX. The DOE isn't counting all the payments I made prior to XX/XX/XXXXXXXX even though I've been paying since XXXX. Every month, on time. I've worked for the federal government and military since XXXX. Having worked for the Department XXXX XXXX since XXXX, I've had them properly sign my certification showing my employment. 

PLEASE HELP, this has been so aggravating ... I've made so many phone calls, written letters, emails, applied, re-applied. NOBODY HAS ADDRESSED MY ISSUE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called Transunion twice now about their inquiry issue and the rep XXXX XXXX told me he was unable to comment on XXXX and the inquiry issue that I needed to refresh my browser. I put a freeze on my credit because I did n't know what was going on and i called them again to report this and their Customer Service would not help and take care of the negative inquiries reporting to your 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 2021-01-11
Company: EQUIFAX, 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: BB&T CORPORATION
State: KY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I transfered an IRA account from BB & T bank. This account was origionaly with the XXXX. BB & T deducted XXXX Dollars from the account when they transfered it. The instition which I depsoited the money origionally would not have done this. This deduction was done without them telling me about 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 2022-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # XXXX This account is closed but it is still showing a XXXX, XXXX and XXXX on my XXXX and XXXX reports. 

XXXX XXXX XXXXXXXX Account # XXXX This account is closed but is still showing a 30 day late on my XXXX, Transunion and XXXX reports. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

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 2016-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am making formal complaint against TransUnion and XXXX Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into XXXX and TransUnion Reporting Agencies and also XXXX XXXX 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 2017-01-05
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Nothing was sent to me in writing about this debt. I got knowledge of it when I check my credit score this morning and this debt went into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, 2015, I tested the integrity of Transunion ( " TU '' ) by disputing amount owed on XXXX XXXX Account ending in XXXX. 

On XXXX XXXX, 2015, TU instantly deleted the disputed account without verification or permission from the original creditor XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX verified to me that on XXXX XXXX, 2015 XXXX XXXX sent letter to TU to report the account. 

On XXXX XXXX, 2015, I spent about an hour trying to resolve this issue with TU customer service in XXXX. Representatives refused to give their names or ID numbers told me that they ca n't report it until they receive new electronic information from XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX told me that TU is legally obligated to report the disputed account, and last electronically reported the disputed account on XXXX XXXX, 2015. 

TU clams that I deleted the disputed account, which is insulting & outrageous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/2015 I sent a dispute to Transunion disputing an inaccurate account balance, results came back that they verified the account, I then sent a method of verification letter to them on XXXX/XXXX/2015, they sent sent back a frm letter stating what the process is, I was not given the data furnishers name or contact information. I have the original documents and certified mail receipts sent to transunion that can be faxed in for proof. My next step is filling a lawsuit. The only acceptable outcome now is for the lien t be deleted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX BANK has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and XXXX and XXXX I also requested a copy of XXXX BANK 's Tax Registration Certificate, all of which XXXX XXXX BANK was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX XXXX and XXXX XXXX XXXX BANK failed to validate their claim. A copy of XXXX XXXX BANK 's response to my debt verification was previously mailed to Transunion, however, your agency continues to allow XXXX BANK to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit also.

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