BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, I am writing to file a formal complaint against Ally Financial concerning the inaccurate reporting of my auto account status. The said account has been deemed as charged off by Ally Financial, and subsequently, a 1099-C was issued. I hereby request that the reported balance on my credit report be accurately reflected as {$0.00}, or alternatively, be removed in accordance with the Fair Credit Reporting Act ( FCRA ) laws. 

As per the FCRA laws ( 15 U.S. Code 1681 ), it is mandated that consumer reporting agencies provide fair and accurate information about consumers ' credit. Specifically, under the FCRA, Section 623 states that information reported to credit bureaus must be accurate and complete. Furthermore, Section 611 allows consumers to dispute inaccurate or incomplete information directly with the furnisher of the information. 

I believe that Ally Financial 's reporting of the charged-off account with an outstanding balance is misleading and inaccurate as the debt has been discharged or forgiven according to the 1099-C issued. As per the guidelines outlined in the FCRA, I am within my rights to request accurate reporting or removal of such inaccurate information from my credit report. 

I kindly request that Ally Financial takes the necessary steps to ensure compliance with the FCRA by either accurately reporting the balance as {$0.00} or removing this account from my credit report entirely. Failure to rectify this inaccurate reporting will compel me to escalate this matter to higher regulatory authorities. 

Please acknowledge receipt of this complaint and provide a timeline for action in rectifying the credit report in accordance with the FCRA laws. 

Sincerely, 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 explanation
Consumer complaint received 2018-04-30
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted a partial payment through Mr. Cooper 's website that allows for partial payments before your payment is due. On XX/XX/XXXX I submitted a {$450.00} partial payment to go towards my payment that was due on XX/XX/XXXX. Mr Cooper misapplied this payment and put it towards the additional principal. I called to have this fixed. Mr. Cooper then reversed the payment to additional principal and applied it correctly towards a partial payment. When I went to pay the balance ( before my XX/XX/XXXX due date ), I see they reversed the partial payment and once again applied it to additional principle. I called again, and Mr. Cooper once again fixed the issue. Now on XX/XX/XXXX I go to make the remaining payment and noticed that Mr Cooper once AGAIN reversed the partial payment and applied it to the additional principle. Now I have been on hold XX/XX/XXXX from XXXX and it is now XXXX ( 2 hours with no fix ) so I can pay the remainder of my balance that should be due. They are showing I owe the full months payment and will not apply my partial payment funds correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: M&T BANK CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've previously notified the appropriate creditors about these bogus accounts, and I've sent along all the supporting documents needed to confirm their fraudulent status. Several credit reporting agencies have quickly deleted these accounts from my credit report after realizing the bogus activities. I respectfully ask that you expedite the investigation and swiftly remove the false information from my credit report since the other credit bureaus have successfully erased these accounts following appropriate verification. XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. 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 me or XXXX XXXX XXXX XXXX customer service. I value your quick attention to this issue and anticipate seeing the repair appear on my credit record shortly. Additionally, I would like a copy of the most recent credit report to be sent to the address I provided above.

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 2023-03-04
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, XXXX XXXX XXXX, Consumer, did not give XXXXXXXX XXXX  XXXX my lawful written consent to disclose my nonpublic personal information to any nonaffiliated third parties. I am aware that XXXX XXXX XXXX, Transunion, XXXX, and XXXX XXXX XXXX XXXX XXXX are nonaffiliated third parties. Furthermore, XXXX XXXX XXXX is providing inaccurate information to these nonaffiliated third parties. Neither XXXX XXXX XXXX, the consumer in which the report relates to, nor a court of competent jurisdiction issue an order for such information to be reported onto any consumer report of XXXX XXXX XXXX, Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have done complaints about the fraud and financial deceit done by TD Bank here. In response to the most recant response by TD Bank I would say the following. They try to convolute and direct attention from the simple and unavoidable reality that they ( TD Bank ) fraudulently try to maximize fees and overdraft expenses with customers through the following methods. These methods are clear when you read between the lines and the diversionary information given by TD Bank in last response or namely. 

1. TD Bank still has not denied what they previously said which is that they ( TD ) process larger transactions first before processing smaller ones. This is a clear policy designed to maximize small transaction overdrafts that are more multiple. By design they try and maximize. 

2. TD Bank said that they give balances and pending information the following day. This simple and clearly says that at all times when someone either calls TD Bank, checks online or through other means the balance is likely to not be accurate. No distinction between balance, pending, and processing or basically no way to determine if costly overdraft would be used by consumer. 

3. TD Bank intentionally and with though charges annual fees and even withhold temporarily monthly interest payments during times wherein several large transactions are pending and possibly large overdraft fees. 

The above is observation from investigating and talking to many other customers that are considering a class action lawsuit against TD Bank. 

As for me now, I did a fraud dispute for over {$2000.00} in fraud card transactions that TD Basnk never addressed but lied and said they did in 2014 and TD Bank most recently received a letter I mailed to them with tracking to their fraud department and it arrived over a week ago and several days before TD Banks most recant response and they don't report it. I want answers there on the fraud transaction and recant submission I did with TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CNG HOLDINGS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX calling me in regards to an old debt. I had already requested verification of debt months ago and they refused. A gentleman by the name " XXXX XXXX '' states he is the in house lawyer, threaten me that he was going to come to my place of business, using foul language when I asked him for proof that he was indeed a lawyer. Calling my family members after I have already made contact with them and providing them with my personal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: GA
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 recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. XXXX is reporting late payments on several accounts : XXXX 's XXXX - Student loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave XXXX written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to Equifax violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: KS
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 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 explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Hi Transunion XXXX again with my XXXX complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. 

Just please remove the XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 to dispute the validity of the account associated with my name that your agency is attempting to collect. 
I recently received a notice from XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2023, regarding an alleged debt in the amount of {$2200.00}. However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account. 
2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay. 2. Details of the original creditor, including their contact information and the original account number.
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.

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 2023-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: REGIONS FINANCIAL CORPORATION
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 Regions Bank 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. 

Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report. 

A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report. 

Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.

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 2022-05-26
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out student loans through the XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX federal programs during XXXX  school in XXXX. To be eligible for the public service loan forgiveness program I consolidated my loans and enrolled in the income based repayment plan on XX/XX/XXXX. I enrolled in automatic payment deductions so that every payment would be removed on time from my bank account by the loan servicer. The loan servicer changed hands several times but ultimately was taken over by Fed Loans Servicing. I continuously was employed with a XXXX non-profit employer and have been XXXX XXXX in the XXXX XXXX throughout. I made >120 qualifying payments including those payments of {$0.00} that were initiated automatically through the COVID 19 Relief act. I applied for forgiveness under the PLSF program on XX/XX/XXXX with my new employer certification form so that the 111 verified payments could be updated to 125 verified qualifying payments and checked the box for initiating loan forgiveness. I uploaded the completed application form via the website for " rapid processing '' on XX/XX/XXXX. While I was waiting for the forms to be processed, I called Fed Loans Servicing three times and each time had my application form reviewed by the agent on the phone. Each time they said everything looked great and that I'd have my loans forgiven once the application was processed. On XX/XX/XXXX I received notice that my employer verification form was processed and my number of qualifying payments had been updated to reflect 125 qualifying payments and that I would qualify for PLSF forgiveness on XX/XX/XXXX! However, I did not see any notification of forgiveness and my loan balance did not change. I checked the website which says " You're eligible for forgiveness. Congratulations, you made 120 qualifying payments on 2 of your 2 loans '' but then the loan amount was still reflected in full on my account balance. When I click the link on the website that says " Track your loan forgiveness progress '' it takes me to the studentaid.gov website. On that website, when I fill out the XXXX help form it generates another employment verification form that is identical to the one I filled out in XXXX and shows only 111 qualifying payments. I have called Fed Loans Servicing on XX/XX/XXXX who made me wait on the phone for an hour. They then said the notes on the account show that the application for forgiveness was initially approved and then denied with no reason why listed. They then recommended I apply again and continue to make payments while it's being sorted out.

Company response to consumer: Closed with explanation