BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 to get this company to report each month to the credit agency 's our monthly payments and correct balance for almost a year now. I have been monitoring my husband and I credit report every month and to no avail XXXX XXXX XXXX will not report every month like they should. Which is causing every month for my debt to income with my car loan not to decrease every month. I received my credit report from TransUnion today and the last time this company reported was XX/XX/19. Today is XX/XX/19, and they have not reported my XXXX  payment. I was told three months ago when I spoke with a rep that they knew of the problem and would fix it, but the problem still exist on my husbands and I credit reports. My husband and I could not be the only consumers having this problem. I pay them every month, they need to report to the credit agency 's every month. If they didn't get their payment I bet they would 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 non-monetary relief
Consumer complaint received 2021-11-08
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The problem that Im having is that I tried refinancing my student loan back in XXXX and I did everything in my power to sign whatever paper work I had to. I was told not to make a payment and I would be fine, the worker at XXXX XXXX went ahead and made the mistake of not putting the paper work through. So now it looks like Im late on my payments because of XXXX XXXX mishap. Ive did what I could and have gotten absolutely nowhere I just want some kind of resolution at this point. 
Also when I looked at my account it said that everything was XXXX and I was told that it was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: FIRSTBANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a checking account with FIRST BANK and some of there fees caused the account to go negative and they reported this as a charge off on my credit report. It is reporting as a line if credit that was charged off. This was a checking account with no credit associated with it. I requested a validation of debt and never got any response. Just a response stating they will not further investigate after I disputed it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX IQ data international debt collector XXXX Washington XXXX Called at XXXX I was at worked asked to call back at 1 they did. Stated I owed XXXX in damages from apt XXXX XXXX XXXX an XXXX XXXX property. I emailed them they did verify they sent them a debt collection. I think owned by same people. 

They said they if I didnt get a 16 digit credit card and pay by XXXX XXXX   tomorrow they would send my credit to the credit bureaus and hurt my credit. I asked them to send that in writing. They said they would email. I said ok they still havent. I want to pay in protest because I cant review claims and I feel its a type of scam to pay only by credit card. 

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up to a previous filed complaint - XXXX Ally Financial 's response states they have no requests from me prior to XX/XX/XXXX to stop calls, however this is incorrect, as I have record ( as indicated in my initial complaint ) of speaking to an Ally representative on XX/XX/21, during which time I requested that their calls stop. Despite this request, I was called again on XX/XX/21. On that call, their agent indicated that she was showing my number had previously been added to Ally 's internal " do not call '' list, and she wasn't sure why I was being called again. 

The written response from Ally 's representative - " XXXX XXXX '' - also states, " If you have any questions, please contact me at XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, '' however when I attempt to contact XXXX at that number, I only reach a voicemail box. I've left a voicemail and attempted to call XXXX several times, yet I never receive any call back. 

Ally is misstating the facts surrounding my complaint, as well being non-responsive to my attempts to contact them, despite XXXX XXXX offering to answer any questions. These two points further bolster my position that Ally is not acting in good faith, and have violated the law. Once again, I am requesting that Ally compensate me in the amount of {$1000.00}.

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 explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The purpose of this letter is to inform you that my identity has been compromised and that the following accounts do not belong to me. I have filed the necessary paperwork and ask that you please remove the following accounts from my credit file. 

1. XXXX XXXX 2. 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 2017-09-13
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to call/write each credit bureau individually and pay to freeze ( and again to unfreeze ) my credit file. Some states ( not mine ) appear to agree with me ( {$0.00} to add/remove a freeze ). 

When an incident like the XXXX hack happens, the burden of protecting my credit is on me. It should n't be cumbersome to do so. 

In my opinion, Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information. 

Thank you for taking time to read my complaint.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2019-05-17
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen on XX/XX/16. And my social security number has been compromised and debt has been acquired and reflected on my credit report. A police report was made. I Would like these debts removed 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 2019-05-17
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently XXXX XXXX please remove XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX   ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 in regards to Transunion, XXXX and XXXX Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now Transunion, XXXX and XXXX need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX Late payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior.

2. XXXX XXXX collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
XXXX. XXXX XXXX disguising as a new creditor and reporting an open new account. 
XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
XXXX. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX XXXX XXXX disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection. 
7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.

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 2019-01-17
Company: EQUIFAX, 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:
The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by XXXX and Equifax, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have XXXX to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a department store credit line and for the most part.i bought a lot of faulty items at Walmart.I bought 4 different prepaid phones from various Wal-Mart 's across the USA and all have been absolutely faulty.Walmart has also sold me a black molded Green pepper on the inside, which I have pics and a friend to back up this claim.Walmart is not thoroughly checking all products sold at it's locations.Their customer service lacks also in resolving these disputes which is to suppose to be 1-2 billing cycles and still a year later, a simple dispute has not been resolved for the phones.I was hesitant to get a line of credit here and this proves it.

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 2020-09-23
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:
I have reached out to XXXX, XXXX and experian several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both XXXX  and XXXX  that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, XXXX XXXX, and XXXX XXXX   which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged 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 non-monetary relief
Consumer complaint received 2019-06-28
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit System place this negative account medical account on my credit report as I was unware of the debt and could not Dispute the information as they sent mail to an address I did reside at ... 

After I seen the negative account my credit report. I sent them a request to remove the account ASAP. Southwest needs do the following : 1. Remove this account of my credit report ASAP as I was unaware of this debt. 
2. Show they have the right to collection in Ohio. 
3. Provide method of validation for this account as I recall owning money on a account of this nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: ERC
State: AZ
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:
The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX, XXXX ) Enhanced Recovery XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In reference to : Capital One Case : XXXX CFPB Case : XXXX This new complaint is in connection to the previous complaint submitted above. Capital One did an investigation that was done improperly, not thorough and did not contact me as requested within the original complaint. It was clear in the complaint that it could not be solved without contacting me due to the sensitive nature of the matter being an identity theft situation. This is a continuation of violating my FCRA rights as a consumer attempting to correct an invalid and wrong crediting reporting by Capital One due to a matter revolving around Identity theft. 

As a second attempt, please contact me directly at XXXX XXXX XXXX so that I can 1 ) properly explain the matter in question and 2 ) Capital One then can inform me of the documentation they will need to correct the matter. ( Just like every other creditor whom I needed to work with regarding this matter. Capital One is the last and only creditor to not handle this situation lawfully at this juncture ). 

Please let me remind Capital One and its representatives, I am an IDENTITY THEFT VICTIM. Please take note of this moving forward before your dismissive with a cookie cutter, useless " investigation '' that was previously conducted > Capital One Case : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Diversified Consultants, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, onXX/XX/2019 the main 3 credit bureaus received via certified mail my request asking for proof of this account a collection company has placed on my credit file, The credit bureaus have responded to me that this creditor Diversified Consultants has verified my information with them and that the account is accurate. Diversified Consultants sent me onXX/XX/19 a letter with my name, address and a debtor company name that I do not know XXXX XXXX XXXX  on a simple bill saying the original creditor is XXXX with a due bill of XXXX. I sent them a letter on XX/XX/2019that they received via certified mail asking them to send me proof that I have opened this account with them, I told them this account is not mines, I have never in my life opened any account with XXXX, I do not owe any company by the name of XXXX XXXX XXXX. This does not belong to me. They have not responded to me and continue to report this collection account to the credit bureaus inhibiting my ability to obtain credit, mortgage etc. I also sent them another letter certified on XX/XX/2019 asking for any document again and have not received any response. I would like this account deleted please from all credit bureaus. I have NEVER opened any account with sprint. NOTE : the letetr they sent me dated XX/XX/was actuallu mailed by them after XXXX XX/XX/2019 because that letetr was sent to me after they received my request for validation sent onXX/XX/2019 so i do not know what thet are trying to do sending me a letter back dated. I did not opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been corresponding with Quicken loans regarding a request for a refund of {$400.00} that was used for an appraisal on my property to secure a refinance of my mortgage. 
In XXXX of XXXX in the approximate dates of the XXXX and XXXX an appraisal was signed off on my property by a 3rd party company contracted by Quicken loans. Several days after the results of the report were relayed to me, I was questioning the accuracy of value that was stated in the report. Since this information would be crucial in determining a prudent amount to refinance my property for, I thought it might be in my best interest to get another opinion. 
I had three realtors and one investor walk the property. In their opinion the houses value was nowhere near what it had been appraised for. Furthermore I would be lucky to get what I had initially paid for it. The initial purchase price of my home was approximately {$25000.00} less than what the appraiser stated was the current value. 
Within 90 days of the report, I chose to put the house on the market. The realtor started the listing price {$15000.00} below the appraisal on XX/XX/XXXX of XXXX. The overall showings comments were poor stating that the property was priced to high. After conservative price reductions the property was sold in month of XX/XX/XXXX for {$52000.00} less than the appraisal. 
It is understandable that the market can fluctuate. The source of my income is social security with no real potential for an increase. Refinancing this property at that time based on the information in the appraisal in conjunction with what was owed and the actual value would have resulted in a greater financial hardship for me. 
An appraisal is to be used as a tool to aid in making an informed decision based on the expert opinion of the person who has issued it. In my communications with Quicken my funds were not returned to me because they were used to pay for the appraisal. The service was contracted by Quicken therefore I have requested a refund for this service from Quicken.

Company response to consumer: Closed with explanation