BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Transunion Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

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 2022-12-17
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-09-07
Company: Riverwalk Financial Corporation
State: NJ
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached FTC Report, and Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 accepted my 1099 C and sent me copy B for my student loan tender of payment and then they tried to accuse me of falsifying information when my tax document clearly says its from XXXX XXXX in the upper left hand corner. I want this wiped off 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 2023-08-17
Company: AIH Receivables Management Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving phone calls at any time of the day while at work or at home for a medical debt that is for someone else with the same name as mine. We are now up to about 6 or 8 phone calls where I have notified them that this is not my account, not my middle name, not my ssn, and not my debt. On every call, I asked them to take my information out of the file for this account. Every call they have told me they are not the one I spoke with last call so they had no idea. Every call I have asked them to document that they are calling the wrong person and they said they would do that. This company clearly has not done that which has resulted in ruining my attitude at work and is affecting my productivity. This is harassment, which I have notified them that I would be issuing a complaint about. This company is AIH Receivables : Medical Debt Collection XXXX XXXX  Kansas. XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company has been continually harassing me calling me non sto day and night including XXXX and after XXXX. I have asked them tk stop But they wont someone even called once claiming to be an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
IN XXXX I PAID MY CAR NOTE AND SET UP A PAYMENT PLAN. IN XXXX I COMPLETED THE PLAN, MY ACCOUNT WAS NEVER CREATED FOR PAYMENT. I HAVE SINCE PAID THE NOTE ON TIME EACH MONTH, SPOKE W/ A REP IN THE CORPORATE DEPT AND WAS TOLD THEY INDEED HAD NOT APPLIED MY PAYMENT. I WAS PROMISED IT WOULD BE FIXED, AS OF YET IN XXXX MY ACCOUNT IS STILL NOT UPDATED AND AFTER REQUESTING A CREDIT REPORT I SEE MY CREDIT IS BEING IMPACTED BY THIS.

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 monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX. 
XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXk : # 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 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-24
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX   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 2021-03-09
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have applied for a saving account with Citibank to get XXXX $ bonus. I added XXXX $ once approved. And they told you had to add the fund within a month after applying but it wasnt even approved.

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 2020-12-15
Company: EQUIFAX, 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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-10
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:
The XXXX  XXXX XXXX account that is reporting on my credit report is incomplete as the date of last activity is missing from the credit report. It is therefore hard to tell when and if the account ever became delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My son needed a co-signer to sign to help him get loans to go to school. That was in XXXX. I have been making payments on this loan since XXXX.. It started out with one co. and now it has changed hands three more times and Navient has it now and they just seem to be the biggest thieves I have ever seen. The original loan amount was XXXX.. and now it is down to {$11000.00}. ( this co. got my account in XXXX ) all except a few months, I have made more than the minimum payment.. I know it was down to {$8000.00} with one of the other loan. co. 
This company is charging it on the whole amount.. They said my pay off should be in XXXX. and charging me 10.5 % interest.. When I try to talk to them, they won't give me the answers because the loan is in my son 's name, but they want me to pay because I am the co- signer. ( his other loans are being garnished from my paycheck at 15 % per check ) .. 
It doesn't seem fair that when a parent tries to help their kids go to college with a parent- plus loan, then when the bills come due it is the parents problem and the kid isn't responsible or their credit ruined like the parents are. Navient is the worse company, I have ever dealt with. I am hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I went online to pay my mortgage but when I noticed that my payment increased by {$700.00} a month. I called NationStar to ask them what is going and they told me that my Escrow is short and I need to pay {$6200.00} to get back on track. I told them I do n't know what they are talking about because I have been paying the same amount since XXXX with no problems and now all of a sudden my Escrow is short that much, HOW. They said that they wrote me a surplus disbursement check for {$4200.00} last year and my Escrow has been in the negative since and now they want me to pay {$6200.00} back to them. This is not right. Mortgage companies should not be able to treat people like this. I need to speak with someone with mortgage knowledge to advice me what to do. NATIONSTAR/MR. COOPER is a XXXX company trying to take money from my families mouth because they screwed up I feel I should not have to pay for their mistake, since I called them multiple times about that check and the manager assured me that something like this would n't happen and demanded I cash the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting 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 XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF ED / XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Stayed I have a 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 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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
n accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2021-12-03
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A debit was card was opened and sent to me. I did not open this account. spoke with the issuing bank, advised them. stated account was opened on XX/XX/21 and i had it closed today, XX/XX/21. M & T bank was the issuing 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 non-monetary relief
Consumer complaint received 2022-06-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I needed a co signer to purchase a vehicle at XXXX XXXX in XXXX XXXX. I was approved on paper that we had both signed, then days later said I was denied. The dealership ran my credit and my co signers credit without our approval in desperate attempt to get a bank to approve the loan. I had told them if these aren't the rates or the bank doesn't approve do NOT keep trying. I didn't want to ruin my score more than it did as well as the co signer. After not being approved I told them I would return the car and pick up my trade in that they tried to rip me off on. The manager XXXX came at me very rudely and pushy in attempt to sell me a different car. He tried scaring me that my car was going to break down and it would leave me stranded, ( when my vehicle passed all of the safety tests or whatever they check when you trade in a car. It took 3 weeks to receive my refund on my down-payment which was very frustrating, on top of them issuing the check to the co signer when I was the one to purchase the vehicle. They damaged my subwoofer/Amp when they removed it from my vehicle. The general manager wasn't any better he answered the phone unprofessionally by saying who's this? Then offered a free tank of gas for all of the trouble when that doesn't fix any issues. I live 1.5 hours away for that tank of gas by the way. I cant believe the disrespect of this dealership to talk to a female shopping for a vehicle and causing so much damage to 2 people 's credit score out of desperation to sell a vehicle. He talked to me like I couldn't afford a vehicle and that my car was pretty much garbage when they were going to make XXXX on 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 2023-08-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I refinanced this vehicle with XXXX XXXX XXXX XXXX. The sent me a payoff check to forward to NMAC. They claimed they never received the check. XXXX XXXX stopped payment on that check and sent me a second payoff check which I forwarded to NMAC this time via XXXX  with tracking. XXXX tracking shows the check being delivered to NMAC. As of today, XX/XX/XXXX  NMAC again says they have received no such payoff checks. This Is 2 payoff checks that they have now lost while my late payments are accruing and my credit score is taking a hit.

Company response to consumer: Closed with explanation