BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the 3 credit bureaus and Ally financial to advise them that Ally financial has made 2 updates to my credit file for the same account, I advised them that the updates are in correct and I don't have any current accounts with ally, the account was paid in full per the 1st update, when I received a status from the 3 bureau within 5 days saying they investigated and the company updated the account ALLY then deleted the update that showed the account was paid in full and added another account with a charge off status 2 times for the same account with the same account number same purchase date. I asked them to remove the incorrect data and they have refused and the credit bureau didnt investigate at all they took the word of the creditor who they allowed to report the same account 2 times on my credit file. you we will see that Ally is miss representing the account with incorrect information and adding it 2 times to my file which is illegal and has violated my rights. how does it go from paid off to 2 negative updates, the ones as early as 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 2020-11-10
Company: EQUIFAX, INC.
State: TX
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:
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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX  XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX | Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and are negatively impacting my credit score. I have reviewed my credit report and found several errors that need to be corrected immediately.

Firstly, there are two XXXX XXXX bankruptcies listed under my name, with case numbers XXXX and XXXX. However, these bankruptcies were dismissed and should have been removed from my credit report. Other credit bureaus have already removed these accounts, but they are still being reported on my report. I request that you remove these bankruptcies from my credit report as soon as possible. 

Furthermore, there are several credit inquiries on my report that I do not recognize and did not authorize. The cases with no case numbers, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have no relation to me, and I demand that they be removed from my credit report. 

Additionally, there are two accounts on my credit report that are listed as having a payment history but are actually charge-offs. These accounts are XXXX XXXX with account number XXXX and XXXX with account number XXXX. These accounts need to be deleted immediately from my credit report. 

I request that you investigate these errors and make the necessary corrections to my credit report. I would appreciate a prompt response and confirmation of the actions taken to correct these inaccuracies. 

Thank you for your assistance in this matter. 

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 non-monetary relief
Consumer complaint received 2023-10-19
Company: Nelnet, Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello Im reaching out because Im having an issue with my student loans.

As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been 9
0days past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a XXXX XXXX doing the best I can. Im currently starting my house buying process and this has set me back hugely!! 

XXXX not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My XXXX XXXX dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Resurgent Capital Services L.P.
State: NJ
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:
Ive tried disputing this collection on my credit report several times. My identity was stolen some years ago and I believe that this is a result of that and was done by a person of similar name. Ive asked XXXX, to provide the documents used to verify that it was me and I havent received anything. 

Please remove from my credit report. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: FC HoldCo LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

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 2022-04-01
Company: SLM CORPORATION
State: CT
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:
Me and my wife cosigned for student loans for our nephew for over $ XXXX. The student made no effort to pay and we're getting stuck with the full amount. The lender, Sallie Mae, made very little effort to go after the student and came right after the cosigner. They setup robo calls to our jobs and we both got in trouble. We've been paying now for several years and Sallie Mae is satisfied and still making no effort to make the main borrower, the student, responsible. At this point it's like the student is off the hook for all the loans and we are are struggling as we approach retirement age. Sallie Mae acknowledges on my calls that they are not going after the student for payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I initially noticed negative impacts on my credit by using XXXX app. Over the years it has always shown negative effects on my credit. I have attempted to reach out to XXXX, XXXX  and transunion in attempts to clarify what accounts were in fact negative. I have had zero responses to this information. From what little information I have on my credit it shows 100 % on time payments for the whole duration of my credit. I have never had an account go into collections nor have I had an account go delinquent. The most recent dispute is now about an account that Transunion is reporting as Delinquent and currently Open. The account has been closed for several months now. Yet Transunion just reported the account and is displaying it as delinquent. 

I have reached out to Transunion specifically going on four weeks now with attempts to get the ability to login to the account that I attempted to create four weeks ago. Being this is the only way that Transunion allows credit users to dispute accounts on their credit agency. Transunion has made it impossible to dispute an account by stating I have login and password information to my account. However, I have never received any sort of confirmation that the account exists nor the ability to login with the information they have provided me. 

My goal is to remove all of these negative marks on my credit if these credit agencies are not going to provide me with information so I can either rectify the situations or have a clear understanding of what account they are referring too. 

Again, nothing on my credit is showing negative. Yet all three agencies are reporting negative impacts for accounts past due, serious delinquencies, credit card usage and recent missed payment. All of which aside from credit card usage is incorrect. 

I would like these to be resolved for it is negatively impacting my abilities to establish permanent residency for me and my family. 

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 explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Advanced Resolution Services Inc.
State: MT
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:
I have contacted ARS multiple times about this issue. On my ARS consumer credit report ARS has information reported incorrectly. ARS log XXXX Page 3 of 60 item 9, ARS reports a bankruptcy with a date of XX/XX/90. Bankruptcy are to remain on record for 10 years this is OVER 30 YEARS I will attach copies of these pages. Also I have sent to ARS a letter in which XXXX, XXXX, and XXXX XXXX have tried to verify information about a XXXX XXXXXXXX and was unable to do so. I have contacted ARS and they have refused to remove the bankruptcy from my ARS credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is being reported as a car repossessed in my credit report when what actually happened was that this car was totaled by Hurricane Irma in XX/XX/2017, and the amount that was still to be paid on the loan was paid by progressive insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
At this time these reporting companies are in violation of 15 U.S. Code 1681a. Section 2 ( A ) The code states as follows.

( 2 ) Exclusions 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.

This states any collection account or accounts bearing late payments on my report is transactional in fact and also are a reflection of an experience shared with the the creditor then forwarded to you without my knowledge I haven't given any consent to disclose this information on my report. 
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 2020-08-08
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
This complaint # XXXX was closed out based on the financial institution response. I have reviewed all three of the credit bureaus. The account with XXXX XXXX shows the following reporting information. XXXX shows the file being delinquent from XXXX thru XX/XX/XXXX being past due, frim XX/XX/XXXX thru XX/XX/XXXX the account is not being reported, as of XX/XX/XXXX shows file being past due. XXXX XX/XX/XXXX thru XX/XX/XXXX shows past due XXXX + XX/XX/XXXX account shows it charged off and started reporting again XX/XX/XXXX. XXXX shows XX/XX/XXXX thru XX/XX/XXXX negative reporting then starting in XX/XX/XXXX shows file being reported again. The credit bureau goes by the information provided by the creditor. They responded to the complaint that the file was never charged off. Credit Acceptance is not being truthful and their reporting it again has affected my credit score. The account was already reported being past due in XXXX I am confused as to how you can choose not to report for almost 3 years and now start to report again. This makes no sense to me and should be investigated.

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint against TransUnion for Failure to Remove Invalidated Items from Consumer Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to remove invalidated and unverified items from my consumer report, in violation of consumer protection laws. 
These are the accounts that should be removed immediately. 
Company, XXXX XXXX XXXX a collection account showing as open that has not be validated and no contract has been presented to me showing I consented to contract and is reporting as open. 
Company, XXXX XXXX XXXX XXXX, a collection account showing as open that has not be validated and no contract has been presented to me showing I consented to contract and is reflecting as open. 
Company, XXXX XXXX XXXX, an identity theft report has been filed against them and submitted to Transuion. 

I have submitted disputes regarding these items, but Transuion only responds with Item meets FCRA requirements, but with no details as to who it was verified or validated by or any details about the investigation.

TransUnion has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must provide accurate and complete information in consumer reports.

TransUnion has failed to conduct a reasonable investigation into the disputed items on my consumer report, as required by Section 611 ( a ) ( 1 ) ( B ) of the FCRA.

TransUnion 's refusal to remove the invalidated items contradicts the provisions of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which mandates the prompt deletion of inaccurate or unverifiable information.

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 2023-07-05
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
US Bank has frozen my accounts. I have had 4 counts of fraud within the past year and every time I report it I can't get reimbursed or the bank won't help out. They continue to make charges that aren't mine, threatened me and finally froze my accounts. I have tried repeatedly to get help and verify my charges but the bank keeps stealing my money. I don't know what to do and it's cost me dearly.

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 2020-08-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my credit report and found inaccurate, erroneous, unverified, negative INQUIRIES on my credit report. I have no recollection of these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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