BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX XXXX Opened XX/XX/2021 XXXX : {$700.00}.

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 2022-06-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or about XX/XX/2022 I deposited a {$10000.00} check from a friend into one of my Ally Bank accounts. Even though my friend contacted XXXX ahead of time, the check was erroneously flagged 'return to maker ' by XXXX XXXX Ally froze all my accounts, including one owned by my mother, because of the status of the check. A week later I cleared up the confusion at XXXX and they changed the status of the check, however Ally still has my accounts frozen and I have no recourse to get access to my money. I've contacted Ally several times, including letting them know that XXXX changed the status of the check, have left messages for a return call from a supervisor, and have been told that an investigator will get back to me, but still have not gotten a call from anyone at Ally.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: TN
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 would like for the bureaus to highly look into this matter as soon we possible and remove the items that do not belong to me. It is honestly unfair that I have to go through this and do all this research when things could just be done correctly the first time. Thank You!

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is reporting inaccurate information and i would like to get it removed. Please view documentation attached.

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ACCT # XXXX This account is reporting inaccurate information on my credit report. I have attached supporting documents below.

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 2023-05-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: VA
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 received a copy of my credit report from EQUIFAX. 
The credit report showed a fraudulent account that I did not applied for. I have asked Equifax to remove this fraudulent accounts that they are reporting on my credit file. to this day Equifax has fail to remove this fraudulent accounts in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have send a copy of XXXX XXXX XXXX Police Department Fraud Case # PD XXXX I have asked Equifax to remove the FRAUDULENT ACCOUNTS listed below that remain on my credit report in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 2023-01-06
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has hidden a student loan from XXXX till XXXX. 
I was sued in XXXX. I was sued in XXXX. I was sued in XXXX. I made arrangements in XXXX to pay all my student loans from Navient and I never missed a payment. I had 3 student loans. I provided all documentation. 
As paying off those loans is coming true Navient has thrown the surprise 'you have a 4th " student loan. My last complaint discussed how they hid from all law suits this last loan. Now 'it 's hey you owe us all the money plus interest ' when it was never once mentioned in any legal proceedings against me, all of which were dismissed because I paid all my bills on time. 
I just paid the same amount I always paid on a loan because I assumed this was one of the ones I'd been sued on. I don't understand how a 4th one is hidden and it's legal to say 'surprise you owe more. ' The response to my previous complaint XXXX was basically 'here is the promissory note ' that I have no memory of as it was signed apparently in XXXX. The response does not answer any of my complaints of hiding a student loan from all collections for over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: KY
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 have been trying for months to get Experian to reflect the proper status of my XXXXXXXX XXXX XXXX credit card. This card was closed earlier this year, however, Experian continues to list it as open. This has caused my credit utilization to be artificially inflated and has caused me to receive unfavorable outcomes on credit applications. I addressed this complaint with XXXXXXXX XXXX, which administers the XXXXXXXX XXXX, and they submitted a request to Experian to list the XXXX account as closed. Even after receiving this, Experian refuses to list the account as closed. I have attached proof of XXXXXXXX XXXX request to Experian. I am asking CFPB to facilitate correction of this information or begin an enforcement action against Experian for their unlawful refusal to update the status of this 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX is written as a charge off but I have not received 1099 cancellation of debt form. I did reached out to the creditor requesting 1099 cancellation of debt form. the company have not responded. this account is inaccurate and according to the FCRA all inaccurate and unverified items must be deleted.

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 2021-12-30
Company: AMERICAN INTERNET MORTGAGE
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summary : For a closed mortgage account, AIMLOAN overpaid my property taxes by {$880.00}. According to XXXX at XXXX XXXX XXXX finance department, the town refunded the overpayment on XX/XX/XXXX. AIMLOAN 's escrow company, however, returned the town 's refund check. The town sent the refund check again on XX/XX/XXXX, and AIMLOAN cashed it on XX/XX/XXXX. An image of the cashed check was provided by the town, and I gave the check number to AIMLOAN on the phone, as requested by the customer service supervisor. AIMLOAN promised resolving this issue by XX/XX/XXXX and now the customer service supervisor said the next update might be until XX/XX/XXXX. Customer service at AIMLOAN insisted that they had not received the refund check, and I was also told there was no one in the company who could help resolve the issue. I have been attempting to resolve this issue with AIMLOAN for 6 months without success. 

More details : In the beginning, AIMLOAN told me that they had not overpaid the property tax and had not received a refund check from the town. I called AIMLOAN and the town more than ten times. In XXXX, XXXX, AIMLOAN acknowledged the issue and the supervisor entered a work order to refund the overpaid check. I kept in touch with AIMLOAN every week or two after they deposited the refund check on XX/XX/XXXX. Customers service representatives and supervisors at AIMLOAN told me many times that they have yet to receive the check, and that the issue will be resolved by XX/XX/XXXX, but may not take that long. I followed up with AIMLOAN at the end of the day on XX/XX/XXXX, as suggested by the customer service supervisor. XXXX ( Initial XXXX, customer service supervisor ) confirmed that AIMLOAN has received the refund check. After I confirmed that fact with her, she acknowledged it, but refused to put it in writing. When I asked if anyone in AIMLOAN could address this issue, she said no one could do so. She could only send an email to the tax department asking for an update, and there was no guarantee she would get a response. When I called on XX/XX/XXXX to request an update, the customer service supervisor played hardball with me. According to her, AIMLOAN has not yet received the check ( which differs from what XXXX told me on XX/XX/XXXX ) and the next update may not come until XX/XX/XXXX. She told me I asked for help rather than admitting that AIMLOAN had made mistakes twice ( 1. overpaid the property tax 2. returned the refund check in XXXX, XXXX ). She said an update might take until XX/XX/XXXX, since I called two days ago ( XX/XX/XXXX ) and AIMLOAN requires this much time. I explained to her I have been trying to resolve this issue with AIMLOAN for 6 months, and that the refund check was deposited on XX/XX/XXXX by AIMLOAN 's escrow company, she just said bye and hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson capital is alleging I owe on a closed fully paid for cell phone account from XXXX. 
It was closed Several years ago due to repeated roaming charges from XXXX on my credit they report an open account 10mos ago owe {$320.00} then will call and send letters for {$160.00} to pay off the phantom bill I have repeatedly told them to not contact me below is a complaint I wrote Consumer complaints about J.C. conduct This company is known for having ethical issues why are they allowed to continue to operate? 

Fwd : XXXX pay XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX XXXX  to consumercomplaints XXXX can not originate this debt insisting I was under contract here is one of the earliest payments I can find going back to XXXX contracts are only 24 mos. Long. 

-- -- -- -- -- Forwarded message -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Maximus Education, LLC dba Aidvantage
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:
XXXX  response to XXXX is not complete and does not fully address any issues stated in the complaint. XXXX  mishandling of the transfer has delayed the receipt of the XXXX bill due. Because XXXX  mismanaged and mishandled the transfer I have not received a bill due for XXXX. Where is the bill for XXXX? I know why it was mishandled because it's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today I received email and text message for a credit card from Navy Federal Credit Union demanding payment for amounts already satisfactory satisfied. After noticing of the Billing error Navy Federal continues to collect the amounts in question. They have only ignored my request for more documentation as outlined by law. I feel that they are attempting to role over me and continue to hurt my credit worthiness. I regret ever doing business with this organization. To this date I have received no evidence that the amounts they are demanding have not already been satisfied. Without the accounting for the amount claimed. Every credit and debit on this account is in question due to the lack of compliance regarding the initial billing error of {$2000.00}. All documentation as outline in internal revenue manual is warranted to ensure no other amounts, credits, debits, or credit insurance has been negligently look over. Please submit the evidence you have regarding this accounting. Please refrain from any adverse action on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: SC
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and remove them immediately in my report : 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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Im filing this complaint due to Transunions failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021. Under the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after Transunions investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give Transunion permission to report these inquiries. In my dispute I requested removal of unauthorized hard inquires from my report. This was not done. 

At this point, I am demanding Transunion cease & desist from reporting these inquiries. I demand they are immediately removed from my report. If they refuse to remove the items, I demand Transunion provide me with written documentation swearing under penalty and perjury laws they were there when the inquiries were authorized. I demand they also swear under oath that I signed for the inquiries requests and I signed documentation agreeing to add Transunion to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.

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