BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from XXXX XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXX XXXX Account Number XXXX Balance {$3400.00} XXXX XXXX Account Number XXXX Balance {$16000.00}

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 2021-07-19
Company: ALLIANT CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I was charged an annual fee of {$95.00} for my Alliant Signature Visa credit card ( with a stated period of " XX/XX/XXXX through XX/XX/XXXX '' to which the annual fee applies ). An important feature of this card ( and the sole reason I applied for, and use, this card ), is a 2.5 % " cash back '' feature on all purchases up to {$10000.00}. 

In XX/XX/XXXX, I received notice, that EFFECTIVE AS OF XX/XX/XXXX BILLING CYCLE, my cash back rate would be reduced to 1.5 % unless I opened an Alliant Checking account with various requirements ( e.g., minimum balance, minimum deposits, etc. ). 

Please note that this change will be implemented mid-way through the period for which my current annual fee " covers. '' In other words, they have charged me {$95.00} as an annual fee for the stated terms and conditions ... and midway through the period, have reduced/degraded the terms and conditions. 

I would like a refund of my annual fee since the features that I have already paid for ( via the annual fee ) are changing midway through the annual fee cycle. This is clearly not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19
Company: Consumer Adjustment Company Incorporated
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received multiple statements regarding this " alleged bill of mine '' and because it didn't belong to me and I conveyed that to them over the phone, I began to throw them in the trash each time. Thank goodness when my son brought mail to me one day ( that's where I resided when this initiated ) this piece was in it because it landed on my consumer report as a derogatory debt. The only reason I found that out is because one of my credit card company 's decreased my credit limit due to " a recent derogatory collection '' ... it literally ruined my good reputation as a consumer. According to the statement ( XX/XX/XXXX ), the date of service was XX/XX/XXXX at XXXX XXXX and the amount is {$1700.00} At this point in time, I've sent off a debt validation letter, a cease and desist letter and an affidavit of truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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:
Ive called into all 3 major credit Bureaus ( XXXX, XXXX, and Experian ) for the last few years ( on and off, every 3 months or so ) and informed them of an issue I had when my information was stolen and used for fraud ... they refuse to acknowledge this or would deny my disputes. Their customer service would not help and take care of the negative inquiries and accounts reporting to my credit report. Ive been fighting about this for years. 

Some of the inquires that came up on my credit report during this time my information was stolen and being used were ... 

XXXX XXXX XXXX XXXX XXXX  ( one inquiry is in fact mine, but there is an older inquire that was not me and isnt mine ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And XXXX XXXX/XXXX  XXXX There are probably others but those are the main ones Ive been trying to dispute. My identity was stolen and used to try to get something from these companies by an ex-roommate. I KNOW that this happened due to a previous investigation I did on my own. But these credit Bureaus are refusing to work with me about this, so now Im trying to reach out to companies/people above them. I need help with this. I shouldnt have to suffer because of someone elses criminal actions. So, please ... help!

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 2022-08-08
Company: EQUIFAX, INC.
State: TN
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 sent my disputes to Equifax on XX/XX/2022. I called on XX/XX/2022, the supervisor told me everything had been removed from my credit report that was listed on my FTC report. I see the accounts still showing on my credit reports. These accounts are not mine. I called back on XX/XX/2022. The rep told me they had to do a dispute again I have already sent all the information in for my disputes on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: VA
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018 I received a letter from Sears XXXX  saying that they decided to not to renew my account. The letter stated the decision was based on me having unsatisfactory credit. This is untrue. I have very good credit. I always pay all of my cards on time and in full each month. XXXX XXXX credit score is currently XXXX. So I believe they unjustly closed my account. And I believe the reason why is I had accumulated enough Reward Points to redeem a {$500.00} gift card, and they did not want to give me what I earned. Not only did they close my account, but they also immediately stole of the points I had accumulated over the course of years. This is a card that requires a yearly fee of {$35.00}, which I was willing to pay because of the rewards program. I called the number on the back of my card and was repeatedly transferred from department to department with no one willing to reinstate my points or give me a reason why they said I have unsatisfactory credit. I was on the phone for 2 hours.

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 2019-09-15
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COMMONWEALTH FINANCIAL IS IN VIOLATION OF 15 USC 805. Communication in connection with debt collection. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I NEVER RECEIVED ANY TYPE OF NOTICE FROM THEM COMMONWEALTH FINANCIAL ASKING FOR CONSENT TO CONTACT ME NOR DID I RECEIVE ANY LETTER FROM THEM GIVING ME THIRTY DAYS TO DISPUTE THE DEBT.

15 USC 1692e 807. False or misleading representations.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this.COMMONWEALTH FINANCIAL WITHOUT MY PERMISSION CREATED AN ACCOUNT IN MY NAME AND REPORTED MY SOCIAL SECURITY NUMBER, NAME, ADDRESS, WITH A FALSE AMOUNT AND WITHOUT AA CONTACT.THEY STOLE MY IDENTITY AND THIS IS A {$1000.00} VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Waypoint Resource Group, LLC
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:
I contacted Waypoint Resource Group on XX/XX/XXXX around XXXX. I spoke with a female representative about an account on my credit file that doesn't belong to me. My XXXX  credit file reported this incorrect information on XX/XX/XXXX. The original creditor is listed as Waypoint Resource Group. The account was assigned to them on XX/XX/XXXX. The original amount owed and the amount listed is {$1200.00}. The status is unpaid. The balance date is XX/XX/XXXX. The account designator code is listed as INDIVIDUAL_ACCOUNT. The account number is listed as XXXX. The creditor classification is cable or cellular. The last payment date is blank. Date of first delinquency is XX/XX/XXXX. This is the information listed on my credit file. The female representative I spoke with today attempted to look up the account using my first and last name and the amount owed. She stated that nothing is coming up under my name. I informed her that the information was added to my account on the date listed above. She insisted that I provide her with my full social security number and that was the only way she could look up my account. I told her that I would only give her the last four of my SSN. She stated that would not be sufficient. I disputed it with the creditors and this information hasn't been removed from my file. I don't owe anyone this money for anything. I have only one creditor who I do business with and that is XXXX XXXX. I would like this dispute reviewed, addressed and removed from my credit file immediately. This is fraudulent and inaccurate information and I do not owe this money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: FREEDOM FINANCIAL NETWORK
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:
Freedom Plus is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove the account as other creditors involved have already done which has lowered my credit score by over 200 points. 

Freedom Plus can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by XXXX XXXX code. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what XXXX quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?

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 2019-03-25
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a federal student loan that was taken over by Nelnet mid-XXXX from XXXX. 
When I was checking my credit report today it stated that this loan is in forbearance as of XX/XX/XXXX. It is NOT in forbearance nor did I request a forbearance. I have never requested a forbearance on any of my student loans and have never had a late payment. The report also shows 13 % of payments were on time. They have only been my loan provider since XXXX of XXXX and it clearly shows they were all on time. Anything prior to that shows as " no data ''. They had previously used this excuse to raise my interest rate. I reported this mistake to them too and they have refused to fix it. My records are very clear about payments and this shouldn't be a difficult problem to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Summary : Ally Bank, due to negligence or fraud, sent money from my checking account in a cashier 's check to an unidentified address in XXXX, GA  and refuses to return my money : {$44000.00}. 

Details : On XX/XX/2021, I requested an Ally bank check be sent to me payable to " XXXX XXXX '' for {$44000.00} with funds withdrawn from my Ally Bank checking account to purchase a car. This check was requested to my home address on file with Ally Bank : 2 XXXX XXXX XXXX XXXX, OH XXXX. I paid an additional fee to expedite this check to arrive in time for me to purchase a vehicle at XXXX XXXX in XXXX XXXX NJ, on XXXX  XX/XX/2021 for vehicle VIN : XXXX. I am taking XXXX Flight XXXX Fri XX/XX/2021 from XXXX to XXXX  for this purchase. For an unknown reason, fraud or negligence, Ally Bank sent the check via XXXX to an address in XXXX, GA-XXXX  tracking XXXX. I have never lived in Georgia, the payee is not in Georgia, I never provided a Georgia address to Ally Bank. I do not know the exact address the check was sent to as Ally Bank will not release this information. Ally Bank will not return this money to me nor release information about who in XXXX, GA may have possession of this check. Ally Bank Case XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: IA
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 XXXX/XXXX/2021, I disputed multiple FDCPA violations on my credit file and they have yet to address this matter for me. I feel like Im being taken advantage of and its becoming really exhausting and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX of XXXX New Jersey ( XXXX ) tried improperly billed my insurance. I was a XXXX recipient and had private insurance. XXXX billed XXXX first but was supposed to contact my private, primary insurance. This caused a year long dispute, where they acknowledged their mistake. They billed my primary health insurance and then attempted to get XXXX of New Jersey to pay the remaining balance. Throughout this process I remained consistently communicative. I called their office every time I received a billing notice and explained that they needed to contact XXXX of New Jersey for the remaining balance ( XXXX had my XXXX information ). I called in XX/XX/2021 and was told they would send me another balance notice if XXXX did not pay. Instead they sent this to a collection agency without notifying me. I contacted XXXX of New Jersey who informed me they illegally sent my balance to collections as there is a New Jersey state statute stating that they can not balance bill a XXXX recipient, meaning whatever my primary insurance paid should have been considered " paid in full ''. I notified XXXX  of this on XX/XX/2021 and they told me they would drop the balance to {$0.00} and notify the debt collection agency National Recovery Agency, yet I received a bill from National Recovery Agency, a debt collection company dated XX/XX/2021 that I still owed the remaining balance. XXXX contacted National Recovery Agency on this date and they still attempted to force me to pay a bill I never owed. I called them on XX/XX/XXXX and the woman I spoke tried to convince me that XXXX would not pay a bill that old, when in actuality, it is against New Jersey 's state statute to not balance bill XXXX recipients. On XX/XX/XXXX I contacted XXXX about this notice and they called National Recovery Agency again on the same day. I then contacted National Recovery Agency and the woman I spoke with informed they had no record of XXXX contacting them and that I still owed the remaining balance. After longer discussion ( the conversation was recorded ) her supervisor came on the phone and told me that the balance was {$0.00} and XXXX had closed the account and her employee didn't know because of " lack of training ''.

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