BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: Experian Information Solutions 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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/2018

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am extremely upset! I was looking at my credit and there are accounts showing that are not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My engine in my car is ruined and I cant even get a new car because of this problem! Please help me and investigate this absurd problem.

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 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Fraudulent account XXXX  XXXX XXXX  date open XX/XX/2017 Amount 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 2020-02-24
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:
Since XX/XX/2019 I have sent Experian police reports and FTC reports stating that they are currently reporting a fraudulent XXXX  XXXX XXXX account. They refuse to comply with FTC FCRA 605B. And ignore me and my true dispute.

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 2021-12-02
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: Public record information inaccurate

Complaint:
This is my final attempt to have a bankruptcy that does not belong to me, remove from my credit reports. It is your failure to comply with Federal laws that states CRA 's are to report accurate, complete and verifiable information only. I have received a letter from XXXX XXXX that they are unable to locate a file on me. I also went as far as contacted the court listed on my credit file and they have told me that they do not send anything, regarding bankruptcies to credit bureaus or consumer reporting agencies and there is no such file under my name and personal verifiable information. I have attached a copy of the letter from XXXX XXXX with this complaint. You have 30 days from the date of this dispute to remove an item that does not belong to me. I am a litigious consumer and I will not hesitate to file a lawsuit against you. Please do your due diligence and removed this bankruptcy from my credit file 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 2019-05-13
Company: ALLY FINANCIAL INC.
State: DE
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:
My credit report states that I was late on paying a car payment. It is listed twice on my credit report on XX/XX/XXXX, and XX/XX/XXXX except it shows four lates which is in correct on all three credit reports which they have not gave me sufficient proof.

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 2020-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I sent in a payoff amount to capital one /Walmart on XX/XX/XXXX and was told I needed to send a payment of XXXX dollars by XX/XX/XXXX to XXXX  out the balance and they reversed late fees and interest charges on this card on XX/XX/XXXX I had a credit of XXXX dollars on this account. I was told when I paid this account off and they reversed the fees that was all. I then received more interest charges in the same amount that they told me I needed to pay by the XXXX which was XXXX dollars. They claim the interest charges are before XXXX before the account had a XXXX  balance. I spoke with them several times and with different supervisors and they still say that they can charge more interest even after they give you a payoff amount and reverse charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 


XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage got sold to new company. Mr. Cooper. My payment is due on the XXXX  and like always not late after the XXXX of the month. Yet this new mortgage company calls me once or twice a day everyday starting on the first of the month until I make the payment even though it is not even late yet! I am just and tired them harassing my cell phone. Told them numerous times that what they are doing is XXXX, I am not late stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX XXXX {$58.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX XXXX {$1300.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX  XXXX {$1000.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$170.00} DEPTEDXXXX   XXXX {$0.00} DPT ED/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2019-05-13
Company: EQUIFAX, 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:
I WAS VICTIM OF IDENTITY THEFT, SOMEBODY STOLE MY PERSONAL INFORMATION TO OPEN CREDIT CARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX I deposited a check for {$8000.00} into a Bank of America ATM - admittedly not my best idea. I went through the usual process and inserted the check, but the ATM froze and ate the check. It went through a " please take your check back '' error screen but never dispensed it. It did give me an error receipt with a phone number which I called immediately. I was told it would take between 1 and 45 days to verify the deposit amount and that there was nothing they could do to help. I called back the next day to check on the status of the claim and they didn't have any updates and still, as of XX/XX/13, I haven't heard anything. I explained on both calls that the money was to cover a hardship and that I can't wait 45 days but again, they don't seem interested in helping.

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 monetary relief
Consumer complaint received 2020-02-24
Company: Netspend Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/2019 I redeemed a bond worth {$130.00} from the u.s. treasury dept and hade it direct deposited into my netspend checking acct. till this day they say they didn't get it. but the treasury dept says they have investigated the matter and sent me a e-mail stating that in deed netspend inc. was paid in the direct deposite transfer. till this day I have not been credited to my acct.

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 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
From XX/XX/XXXX to XX/XX/XXXX, I have tried several times to correct both my name and home address on my credit report only to receive bogus and stalled responses from TransUnion without changes. I have provided a copy of my drivier 's license, my Social Security card and a copy of my marriage certificate, yet inaccurate information remain on my credit report ( file ) with incorrect 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 2019-01-29
Company: American Credit Acceptance, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Around XX/XX/2018 my car was repossessed by American Credit Acceptance. I fully admit that. The problem is with the amount they claim i owe. I never got any letters from them after they took my car. I never got a deficiency letter stating how much i owed after they sold the vehicle.. On my credit report they have changed the alleged amount owed every month for thee past 4 months. I have been disputing the account with all 3 credit bureaus and every month my credit reports show a different amount owed. This is illegal and a violation of the FCRA. They have also violated the UCC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I switched to another car insurance company because the payment was too high and then they report to collection company.I try many times to resolve this problem with the credit bureau ( equifax ) nothing resolve. 

You can not open a dispute. The web page does not allow it for me. This is a way to steal money from people within a legal aspect. 

They report on XX/XX/ I got insurance other company by XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CFPB : I was informed in XX/XX/2018 that the credit reporting agencies ( XXXX, Equifax, and XXXX  ) would be notified about an arrearage in my ex-wife 's XXXX XXXX account. I disputed the information and have not heard anything from the XXXX  County Office of XXXX XXXX XXXX, ( XXXX ) in XXXX Maryland. 

I have been informed by XXXX XXXX ( when I applied for a mortgage loan ) that there is a judgement from the XXXX for an amount exceeding {$7000.00}. This is false and my ex-wide is attempting to disparage my reputation and good credit rating by stating that I owe back child support payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY CREDIT. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA AS TO WHO COULD HAVE CAUSED SUCH DAMAGE TO MY CREDIT. IT IS WITHOUT A DOUBT THAT I AM A VICTIM OF IDENTITY THEFT. 
IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM A YOUNG MAN TRYING TO FULFILL MY DREAMS AND MY CREDIT PLAYS A VERY IMPORTANT ROLL. 
I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX shows 3 credit inquiries related to a mortgage application. They had a system problem that caused me to have to submit the application 3 times ( one of which was done incorrectly ). It's OK for me to have 1 pull, BUT NOT 3 of them. 

They said they'd take care of these pull ( remove from XXXX  ) from myself and my wife but they have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I evidently became ineligible for my past income-driven repayment plan in XXXX, so Fedloan had my re-apply for another repayment plan. I submitted a new repayment plan application in early XX/XX/2019. It took over 4 months to get processed. In the meantime, I had to make full payments on my student loans, which I did for two months. Also, in the meantime, I receive conflicting and confusing correspondence from Fedloan saying I had past due bills, my application was approved, my application was denied, my application could not be approved, they needed additional information, I needed to make additional payments ( even though I was making payments all the time. ) Now, my new plan has been approved, but I still have a past due bill for a full amount even though Fedloan said my new payment plan is approved. 

Every time I call, I get conflicting information and after spending too much time on the phone, Fedloan says they have straightened everything out. However, they can never send my any documentation of our calls, so when the next letter comes that conflicts with the last information comes, I have no method of straightening anything out. 

I work for a non-profit and my income has not changed. My employment is dependent on an income driven plan but Fedloan has made this impossible. I fear that I will suffer negative financial  consequences when I am trying my hardest to be compliant. However, Fedloan 's inability to provide any clear or consistent directions or communication has made this impossible. 

I am available for any clarification. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
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:
Experian was notified several times about reporting of Bankruptcy. 

On XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I requested them to remove the dismissed Bankruptcy. 

On XX/XX/2020 Experian stated the company that reported the information has certified to Experian that the information is accurate. This company was XXXX XXXX. 

On XX/XX/2020 XXXX XXXX sent me a letter stating they deleted the bankruptcy after reinvestigation. 

On XX/XX/2020 I sent another letter to Experian asking how did you verify this when they sent me a letter stating it was removed two months before XX/XX/2020. I received no response and the bankruptcy remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Receivable Management Group, Inc. (GA)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter from Receivable Mgmt Group regarding alleged medical debt. Asked company to verify / substantiate debt, have not received any  proof that the debt is mine. Ask to have debt removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: AR
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:
My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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