BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
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:
During the month of XX/XX/2018, I submitted a request for a Goodwill Adjustment to my credit file and the following response is being submitted as my request was unreasonably denied based on the circumstances surrounding my request : Made several attempts to return phone calls to the company. On each occasion received voice mail message. Left messages for a return call. Never received the same. In any event, my request was for a simple deletion of 1 late payment of 30 days. My unforeseen circumstance was presented with documents verifying the same. The death of one 's spouse is a very devastating event and this was the sole reason for the missed payment as the account is now satisfied and paid in full. Not asking for the entire record of the account be deleted, just the one 30 days late reported. This action would not be unlawful in any event. I still think the company is being unreasonable based on the circumstances surrounding my request for said Goodwill adjustment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX there were an account open in my name and social security number due to identity theft by someone who stole my identity. The account that does not belongs to me is on my Equifax report with the account number XXXX. The company name is XXXX XXXX that is reporting this Equifax. The account is listed as a charge off in the amount of {$780.00}. The account was opened on XX/XX/XXXX, date of first delinquency was on XX/XX/XXXX, and it is showing on my Equifax credit report every month. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
All three Credit Bureaus XXXX, Trans Union, and XXXX  are violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. They are also violation my right to privacy under 15 US Code 1681 Section ( a ) ( 4 ).

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 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
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 is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting multiple inconsistent information between each credit bureau I dont see how when the bureaus get their information from the same creditor. 
It is the responsibility of the consumer reporting agencies to report accurate information on a consumers report. 

This account is verifying different active dates, payment dates and late payment dates. One bureau is reporting this account as 180 days late and the other 120 days late. If the credit bureaus all get their information from the same place, how are they all getting different information and able to verify these inaccuracies? 

It is clear that no proper investigation was conducted into this account and this account is illegally reporting. I am requesting that this account is deleted from my reports now!

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 2023-02-28
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As of XX/XX/XXXX Ally Financial stated that I have only paid {$3000.00} however they state I have made XX/XX/XXXX payments on my loan. My regular monthly payment is {$400.00} and I was told by a representative every dollar I have ever paid since XX/XX/XXXX has all gone towards interest. Please note my aftermarket product GAP insurance expired on XX/XX/XXXX. I did not cancel this policy, so no credit will be paid. I want to clear up the current outstanding balance, any payment variance, and the total amount of fees assessed during the life of the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
n accordance with the Fair Credit Reporting act 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 2022-04-09
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 information incorrect

Complaint:
I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXX and XXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Previously submitted a complaint and neglected to include all credit bureaus. XXXX XXXX has been satisfied and I've even acquired new service at a new residence. They are still reporting as a negative item on my credit report which should be removed as I do not owe a debt.

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 2020-03-24
Company: NAVY FEDERAL CREDIT UNION
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: Old information reappears or never goes away

Complaint:
Called Navy Federal CR Union several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions 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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2020-03-24
Company: National Credit Systems,Inc.
State: NV
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:
Per FTC sec.609 credit agencies are not validating my credit account they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: IL
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 recently reviewed my credit report and discovered accounts that I did not recognize. I did not authorize or I did not made transactions with these accounts. 

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated

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 2023-12-01
Company: Experian Information Solutions Inc.
State: MI
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 submitted a final loan payoff on XX/XX/. A week later, my account showed a {$0.00} balance and then a few days later I was no longer able to see the account anymore. I noticed that my credit report was not being updated to reflect the payoff and my report still shows a large balance. I asked the company to send me a letter to prove I have paid it off. They sent me the letter and it indicates that it was paid off on XX/XX/. I opened a dispute with Experian but their result of the investigation says the information on my report is accurate despite the letter indicating the account is paid off. The company is not submitting the correct information to the credit bureaus after the account has been paid off.

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 2023-12-01
Company: Experian Information Solutions 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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 have inquiries that are the result of fraudulent activity, they have not been authorized and must be removed. My information was also compromised in the XXXX Data Breach and may have gotten in the wrong hands.

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 2019-11-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MIDLAND Funding LLC is suing me for a credit card that I had with XXXX  XXXX bank from XXXX til XXXX. I requested for XXXX  XXXX to close my account in XX/XX/XXXX due to changed terms in the service and send me a finalized bill to my current mailing address. Fast forward in time I start to receive phones threatening to be sue as well as some of my family members being contacted stating that I was going to be sued. Shortly after the phone call I did receive notice to be sued and immediately called midland funding in XX/XX/XXXX to try and resolve stating to them that account was closed with a lower balance then they were seeking. They told me if I could prove it them they would work with me. I then contacted XXXX XXXX bank who where very understanding and apologetic but due to the lapse in time had no record of the account even stating they wish they could help. I disputing the amount. They were sending billing statements to they wrong address for 2 years had I know or received a bill I could have contacted immediately. I feel like I shouldn't have to pay 2 years worth of late fees and interest on an account that I was under they impression was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CAVALRY INVESTMENTS, LLC
State: PA
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:
XXXX Credit Card service and their customer service aren't professional when dealing with their customers. I have paid this credit card off. They keep calling me to pay it when its paid and settled. This is impacting my credit score. I've tried to solve this problem on my own but they do not assist me. The amount that I'm in collection from XXXX is {$750.00}. I paid this back in year of XX/XX/2012. The account was settled for {$450.00} paid off. I never received a letter stating my account was paid off. They wont help me but they keep calling to get their money which already did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I am reporting an FCRA violation on my credit account with JMPCB ( See attachments for account ). 


JPMCB CARD XXXX The company is in violation of : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The balance of {$630.00} on my XXXX credit report is evidence of that claim. Please see attachments for screenshots of reporting account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Rent Recovery Solutions
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was never an agreement on the lease statement, and I tried to get on the lease ; and was never on the official lease. my roommate, XXXX XXXX was and i paid him when the time came. after i moved out, he stayed an additional month and didnt pay. i did not live there and am not responsible for XXXX actions. Please remove this from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Nelnet, Inc.
State: WA
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 paid off the rest of my student loan and then went to cancel my auto debit payments, got an email on XX/XX/XXXX that the auto debit was cancelled, the terms of the autodebit with nelnet state cancellation requests will be honored 3 business days before the payment date, but then on XX/XX/XXXX, they still auto debited my account {$300.00} and are saying a refund will take 4 to 6 weeks since it's a Dept of Ed loan and the payment went to the Dept of Treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am writing to file a complaint against Chase Bank for their failure to remove unauthorized charges on my credit card account. My account number ending is XXXX. 

On XXXX, I noticed some unauthorized transactions on my credit card statement. I immediately contacted Chase Bank 's customer service to report the issue and requested that the unauthorized charges be removed. However, the customer service representative informed me that the charges were valid and that they would not remove them. 

I have never authorized any of these charges, and I have no knowledge of the transactions. I explained this to the customer service representative and requested that the charges be removed, but they refused to do so. 

I have been a loyal customer of Chase Bank for many years, and I am extremely disappointed with the way my complaint has been handled. I have always paid my bills on time and have never been in default. I believe that it is the responsibility of the bank to protect its customers from unauthorized charges and fraud. 

I am requesting that the Consumer Financial Protection Bureau take action against Chase Bank for their failure to remove the unauthorized charges from my account. I also request that the bank compensate me for the fraudulent charges that were not removed from my account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Regenerate response

Company response to consumer: Closed with monetary relief