BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-07
Company: ALLY FINANCIAL INC.
State: WA
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:
There were 2 credit inquiries on XXXX XXXX, 2021 by Ally Financial and XXXX XXXX XXXX regarding auto loan. I didn't make any inquire for auto loan application in last one month. I checked my XXXX XXXX on the same day on XXXX XXXX XXXX website and found these inquires which I didn't recognize. I reported it to XXXX. I also enabled temporary credit fraud alert on 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 2019-07-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Account shows three different reports on all 3 bureaus. Incorrect data reporting and unclear billing. Very fraudulent

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Name - Account number This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item Immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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 accounts 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 inquiries and personal information : XXXX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-14
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I want full validation on my student loans. How much is owed. Where was the money applied to and why are there extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was approved for American Express credit card that I did not open. I called to cancel but the credit card is being shipped to me still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: NE
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:
RE : XXXX Hello, I worked with you guys to get XXXX XXXX XXXX to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends. Eventually, I had had enough- and thank god for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored. 

I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no change. 

I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent Equifax all of the supporting documentation including the note from the CFPB and XXXX fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help. 

Thank You Very Much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received another letter from Loancare on XX/XX/2019 that my mortgage was two months past due for a total amount of {$1300.00}. However, I have made all payments on time and have cancelled checks to prove it. This has happened 8 times in the past only for them to locate the on-time payments and cancelled checks. With this repeatedly happening, it feels even more like harassment. I simply want to be treated accurately and fairly. 

Attached are copies of the XXXX and XXXX cashed on-time mortgage payment checks along with their most recent letter obviously repeating the same error process within their company.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complaint again last XXXX XXXX XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: CT
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 requested my 3 disclosures to opt out of reporting my personal information to unaffiliated third party consumer reporting agencies, pursuant 15 u.s.c. 6802 ( b ), but they dishonored my request, sent me a copy of a promissory note. This is my second time notifying XXXX student loan servicing. They are violating my rights to privacy. They have no PERMISSIBLE PURPOSE to furnish my personal private information to the CRAs

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: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 around XXXX I went to the TD Bank drive-up ATM at XXXX XXXX XXXX XXXX , XXXX   and used my XXXX XXXX debit card to make a cash deposit of {$1100.00}. The ATM encountered some type of error and produced a " Forced Deposit Record '' and the funds were not deposited into my account. I entered the TD Bank branch immediately following the transaction and spoke to a female teller who told me that I would have to contact XXXX XXXX about the missing funds. On the same day, I visited the XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX and initiated the ATM claim process. I was issued a temporary credit in the amount of {$1100.00} for the claim on XX/XX/19. The temporary credit was reversed by XXXX XXXX on XX/XX/19 when they could not find a record of the XX/XX/19 transaction in their system ( XXXX # XXXX ). I was told to contact TD Bank to complete my claim. On XX/XX/19 I visited the TD Bank branch in XXXX, XXXX  and spoke to the branch manager, XXXX XXXX. I told XXXX my situation and I also told him that I had misplaced the receipt from the original transaction. XXXX checked his records from XX/XX/19 and XX/XX/19 and told me that the ledger was balanced and there was no record of any missing money. He told me he was going to contact ATM services with my information and give me an answer by XX/XX/19. On XX/XX/19 I re-visited the TD Bank branch after I had not heard from XXXX. XXXX told me that he had no new information and that there was nothing that he could do for me without a receipt because he had no proof that I made a transaction. I asked XXXX if he would be able to gain access to the security footage to verify that I had visited the branch on XX/XX/19 around XXXX, and he said that would not be possible unless there was an investigation of fraud. XXXX insisted that my issue did not involve him and was not a TD Bank issue. I emailed XXXX after our meeting on XX/XX/19 and asked him to keep me updated, and received no reply. I visited the XXXX Police Department on XX/XX/19 and spoke with Officer XXXX XXXX who helped me record my events in a police report. I emailed XXXX for a second time on XX/XX/19 and once again asked for an update on my situation, and did not receive a reply. I submitted a complaint to the Massachusetts Attorney General 's office on XX/XX/19. I called TD Bank customer service on XX/XX/19 and spoke with an agent named XXXX. XXXX contacted the branch on my behalf and spoke with XXXX XXXX, XXXX once again showed no interest in helping me resolve my situation and XXXX suggested that I take further legal action. I received a reply letter from XXXX XXXX XXXX XXXX dated XX/XX/19 ( Complaint # XXXX ). On XX/XX/19 XXXX suggested I file a complaint with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have paid XXXX dollars, sometimes XXXX per month for over 2 years, never an issue. I recently contacted XXXX XXXX and was assured that due to the 2022 maturation date and my having 75 % of that amount paid, the XXXX was fine. Just last month they decided it wasnt. After the first argument, i told them not to contact me and have told them 3 consecutive times. They still call me 2 or 3 times a day. I recently had a XXXX and i have XXXX XXXX XXXX. They are trying to change the rules of my contract and then harassing me for their mis-understandings. Breaking the FDCPA rules and therefore my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am in distress, having fallen victim to a distressing incident of identity theft. On XX/XX/XXXX, an unauthorized withdrawal of approximately {$1100.00} was made from my checking account. This transpired when my wallet, debit card, and cell phone were stolen by an individual I unwittingly brought back to my hotel, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. To make matters worse, this person XXXX XXXX and absconded with my belongings. 

Upon discovering the theft, I promptly reported the incident to the hotel 's front desk. Regrettably, their initial response did not involve contacting the police. It was only after I firmly insisted that they made the call, leading to a considerable delay of approximately two days before the police arrived. Unfortunately, the language barrier proved to be another obstacle as they did not speak English. Through the use of a translator on their phone, I tried to explain the incident and expressed my desire to file a police report. To my dismay, they informed me that this was not within their purview and that I would need to report the incident at a police station. However, they did not provide me with an address or any means of contact. 

In an effort to rectify this unsettling situation, I swiftly filed a complaint with Navy Federal Credit Union, the institution with which I hold my account, regarding the unauthorized transactions and withdrawals that had occurred in my checking account. I filed this complaint on approximately XX/XX/XXXX. In response, they assured me that they would temporarily credit my account with the stolen amount and conduct a thorough investigation into the matter. As a result, my account was credited with {$910.00} on XX/XX/XXXX. 

My hope was that justice would be served and I could be made whole again, but my optimism was short-lived. On XX/XX/XXXX, Navy Federal Credit Union abruptly reversed the credited amount, stating, " Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' I am reaching out in desperation, seeking assistance and support in resolving this distressing situation, and to be made whole once more. Your understanding and help during this trying time would mean the world to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion has contacted me after hours and needs to be fined.

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