BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Over thirty days ago, I, mailed Documentary Evidence to ALLY FINANCIAL in support of contract dispute, which was received by ALLY FINANCIAL on XX/XX/2021. On XX/XX/2021 I opened a case with Consumer Financial Protection Bureau case number : XXXX in reference to this dispute, which was closed. 
On XX/XX/2021 ALLY FINANCIAL submitted a response through the CFPB in the form of a letter. Note that the Documentary Evidence pertaining to this case includes a notarized Affidavit of Truth, which unrebutted stands as Truth. Given ALLY FINANCIALs neglect to respond with a counter-affidavit and by instead providing a letter, which failed to address all violations outlined the original affidavit provided; ALLY FINANCIAL is now in fault and in agreement and have stipulated to the terms outlined in the Documentary Evidence through such actions. Additionally, on XX/XX/2021 I received a letter from ALLY FINANCIAL dated XX/XX/2021 regarding this case, falsely claiming that ALLY FINANCIAL was unable to conduct a reasonable investigation because I did not provide sufficient information. To ensure the clarity of my demands and in light of additional violations identified, Ive submitted a second round of Documentary Evidence including : a. Affidavit of Truth- TILA b. Affidavit of Truth- FDCPA c. Affidavit of Truth- FCRA d. Exhibits ( A through O ) e. Invoice ( updated )

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 2022-06-10
Company: ALLY FINANCIAL INC.
State: MI
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:
The company, Ally Bank, failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that Ally changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that Ally has some kind of automated system for culling such change of address information. As a consequence, Ally stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.

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 2022-11-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I told Navy Federal I was a victim of fraud on XXXX XXXX XXXX I have the request in writing. 
The fraud was a XXXX  listing for a property in XXXX, Ohio. It was a for sale by owner, and they asked for {$2000.00} as an earnest money deposit and they will remove the listing as for sale, and move it to pending. 

I sent the money to the scammer, AFTER I had got a contract they more than likely created fraudulently, I have their email, I have their XXXX address, I have the text thread, and I have the XXXX  listing, I felt confident this may be legit. It wasn't. 

I went through there process of filing the complaint on the app. And the very next day they messaged me back saying they are " sympathetic '' to me being a victim of fraud there was nothing they could do. 

And what made it worse was on XX/XX/ I received a deposit from NFCU in the amount of XXXX as a credit. I thought my prayer was answered and they solved the issue. Then on the XX/XX/ the money was taken back OUT of my account from NFCU. 

I have tons of evidence supporting my claim of fraud. I have screenshots, emails, XXXX accounts, even the XXXX listing, and I'm willing to provide all details needed to have this resolved. I looked up her XXXX account, because its a business account and I know she has two addresses one in XXXX and one in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXX without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.

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 2021-09-17
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Department of Education has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received a credit alert that an account was opened in my name by a company name XXXX . I called the company and was advised by an agent the company I originally had since XXXX ( who I did apply for ) was closing and the new company name is XXXX. Ive been giving credit limit to off set the closing account XXXX. I told the agent NO thats illegal. I didnt apply for the new card and dont want it. I did inform her the only reason why I kept XXXX open was because it was my longest account on my credit. I never received a letter nor email to opt out of their offer. When I called and threaten to sue them they closed the account. I disputed the account with Experian in the attempt to remove the account from my profile. I requested for Experian to provide me with the credit application and source in which I applied for this account because the company cant published the information. Closing the account will not settle this issue. I want the account removed from my consumer report. XXXX validated my rights by opening a credit card without a application and authorization from me. Experian has failed to verify this account by publishing the credit application or date in which I applied for credit. I have attempted twice to remove this account with Experian and the company.

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 2021-09-17
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to AAMS LLC in regards to some medical collections that I do not recognize on my credit reports and I havent heard anything back from them in regards to this matter. Please help me resolve this matter. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: OneMain Finance Corporation
State: MI
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:
Onemain Finance, I asked them to remove 2 late payments from my credit reports and they did not. one late payment was in XXXX or XX/XX/XXXX and second one was in XX/XX/XXXX. I received one late payment because my car was total and onemain could not modified was owed to them until they got the insurance pay off. Onemain told me to do nothing until the claim come through, I did nothing and they put a late report on my credit report. the first one was more of the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: WELLS FARGO & COMPANY
State: MD
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:
Credit bureaus refused to remove an old account that's over 7 years ( Wells Fargo, XX/XX/2014 ). Just tried to submit another dispute on XXXX and their system would not allow me to address this error. It says it will stay on file until

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 2022-07-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX  XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights 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 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take XXXX  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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : 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 2022-01-25
Company: JPMORGAN CHASE & CO.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our current home mortgage is with Chase Bank, and we have been working with them since XX/XX/2021 on a refinance application. We submitted all requested documents apropos to the refinance application on XX/XX/2021, 225 days ago. Since then has been a regular stream of additional document requests. I have uploaded a total of 101 separate documents to the bank 's website during that time, all within 1 business day of receiving the information requests. These range from a written explanation of why we use a post office box ( I live in a rural community without home mail delivery ) to many, many documents pertaining to my small business 's finances. 

Today, Chase declined our application. Their stated reason is " insufficient income to debt ratio, '' which I'm sure is a contractually valid reason to decline the loan. However, our income to debt ratio is the same today as it was 8 months ago when we began the refinance process. What has changed, in the meantime, is interest rates. It is no longer in Chase 's best interest to offer us the refinance at the rate " locked in '' last XXXX, so they invented an excuse to decline the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: IL
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 XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collector was sent a certified letter to stop contacting me as the original creditor ( XXXX  ) waived the amount owned following a dispute on XXXX XXXX XXXX. I have sent an email were I have attached the dispute resolution and somebody from the office confirmed over the phone call that they have received it. Unfortunately they don't stop calling and keep saying that they haven't received it. I have sent the dispute letter multiple times but the calls still don't stop even after verbally asking them to stop calling me. The debt collector is Caine & Weiner, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX. Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX WAS PAID IN FULL THEY ARE STILL REPORTING I OWE {$4400.00} IT WAS PAID WHEN ACCOUNT WAS CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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