BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Ally FinancialXXXXXXXX, MN XXXX XXXX 2015Re account : XXXXOn a turned in leased XXXX, I previously received and paid a bill for $ 190+ to cover " excess wear ''. That bill contained a link that allowed me to view the " excess wear ''. 

Two weeks later, I received another letter, informing me of the " unearned rent charge '' to be returned to me, less " Excess Mileage/Wear of {$180.00}. This time there was no information that allowed me to see an " excess ''. Your letter did, however, tell me I could reach you online, although, since the lease was over, your site did not allow me to do that. 

Questions : ( 1 ) What is the exact nature of the " Excess Mileage/Wear '' charge of {$180.00}? 
( 2 ) Where is the visual proof of this wear? 
( 3 ) Do n't you think it is unreasonable and misleading to send XXXX separate charges? 
( 4 ) Would n't you agree that it is high-handed to send an undocumented bill? 
( 5 ) Do n't you care about repeat business? 

Please document or delete the latest charge of {$180.00}, and return to me the full " Unearned rent charge '' of $ XXXX, XXXX XXXX XXXX, MI XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I sent a letter to Experian on XXXX XXXX asking them to research what I feel are mistakes, or things I just do not recognize on my credit report. They sent back a letter saying my request was suspicious. I do n't understand why they wrote that. I provided a copy of my drivers license, bank statement, and social security card. Who else could be writing them trying to get things fixed on my credit report? I could see if there were suspicious purchases or things being reported. But I am looking to get things fixed. 
This makes no sense to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am concerned with my credit file with Experian, there are credit items that I am asking to be disputed from XXXX XXXX # XXXX, XXXX the same. XXXX XXXX XXXX. XXXX XXXX. XXXX in XXXX. There are inquiries also on my credit file that should not be there or should be taken off by now, I did not ask XXXX XXXX, XXXX XXXX, XXXX which was never taken off. XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Names ID XXXX, these are some of the items I question that are still on my file. When will they be updated and investigated and corrected.

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 2016-05-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " Promptly delete all info which can not be verified. Please resolve this manner as soon as possible. Thanks

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 2015-04-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I believe this is more of a problem with a potential creditor, and not Experian itself. I am not sure how to proceed, however, here is what happened. I applied for a credit card sometime prior to XXXX, just XXXX with XXXX. I did n't hear about approval so I called and inquired, and then followed up with a letter dated XXXX XXXX, 2015. My experian credit report notes XXXX hard inquiries spaced just weeks apart, XXXX XXXX, 2014, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. 

I know this is impossible because there would be no way I would attempt to reapply for credit in such a short time frame, so I have XXXX hard inquiries on this report that will be on this report incorrectly for two years from now. It is wrong, and I only gave permission for XXXX hard inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pennymac loan services is reporting that I have an almost {$300000.00} mortgage loan. I do not, that is my ex-husband and new wife 's house now. My name is showing in loan ex said he called a few months ago when I noticed this error and said company would take care of it. It's still showing in my credit report how do I find out if he somehow kept my name on their house and how do I get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX charged off an account of mine in XX/XX/XXXX. There were payments still being made. I had been under the impression that the balance was actually paid off. No communications from barclays until XX/XX/XXXX when doing a background check for employment. Found the balance double the limit. XXXX has told they tried to contact me for a brief time, ultimately it was not their responsibility and that they sold it off to a debt collection agency ( this was told to me by a member of the office of the president ). I never had such an account on my report, no such company has ever tried to contact me. The balance has been paid in full. I have asked barclays to present post dated proof, where they have attempted to contact me. I do not trust what they log in their system. That can always be altered. I want physical, post dated proof, because I was not contacted for a period of three years. Further, they charged off an account which was still being paid, I have confirmation of payment emails still in my inbox. 

I demand that this trade line be removed from my experian 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 2022-05-13
Company: Social Finance, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2022, I received an email notice stating a bonus of {$590.00} will be received when a personal loan of {$5000.00} or more is taken out. I applied on XX/XX/2022 and was subsequently approved on XX/XX/2022 for the {$5000.00} personal loan. On XX/XX/2022, a chat ticket was opened to confirm the {$590.00} would be paid out as described in the email marketing. On XX/XX/2022, a message was sent saying the bonus would not be paid as SoFi has determined I was not eligible. The instructions were followed and the loan was funded, yet I was somehow not eligible des
pite receiving the marketing email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Experian allowed XXXX to open a credit card for me even though I have my account locked. I am not allowed to use it myself, not even for my social security information, so why would Experian allow a bank to open a card on my behalf. I never registered the card and did not want it. Now it 's on my credit reference as opened and then closed, which will reflect poorly on me. I am appalled that it was opened without my authority.

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 2016-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EXPERIAN has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I also sent out a letter to the clerk of XXXX requesting the method of verification of the validity of the bankruptcy. They responded that they do not report to any Credit Bureau. Credit reporting agencies verify records through a third party database such as XXXX or XXXX and some even verify through other creditors. 
I am again formally requesting a copy of any documents, bearing my signature, showing the correct information. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2020-06-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for XXXX  shows XX/XX/XXXX and the " Date Last Active '' on Equifax is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90  days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The issue is regarding XXXX standalone loan modification. They refuse to XXXX me for eligibility. 
AmeriHome Mortgage calls me and then hangs up quickly. In the instances I pick up the phone call, they will not readily identify themselves and ask me to give sensitive information without confirming who they are. 
I have reached out in secure communication via email. No reply regarding the modification is mentioned. I feel its a tactic to avoid reviewing to see if I qualify for the loan modification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I ordered my TransUnion credit report on XXXX/XXXX/XXXX. I have suffered from continuous issues with TransUnion reporting misleading information that is very damaging to my character. I called TransUnion on XXXX/XXXX/XXXX at XXXX XXXX. and spoke with XXXX. I told him that the credit report shows an account at XXXX County CU # XXXX with a charged off account that was allegedly opened on XXXX/XXXX/XXXX and charged off on XXXX/XXXX/XXXX. I told him that this is absolutely incorrect because I have never had an account with that company opened on XXXX/XXXX/XXXX. XXXX told me that he is unsure of how the information is verified. He states that TransUnion is paid to report monthly information pertaining to consumers ' files and he does n't know if its accurate or not. He apologized and stated that there is nothing that he can do. I asked to be transferred to his supervisor, and he refused to transfer me to one. I asked for his supervisors ' name and he stated that he could not give me that information either. He kept placing me on hold several times, before he disconnected my call altogether. To say that I am shocked is an understatement. Our lively hood is being placed in the hands of consumer reporting agencies that do n't care about the affects of reporting erroneous information to our credit files. It seems as though we are being punished for things beyond our control, and there is nothing we can do about it. Who do we have to protect and stand up for our rights? Please help me, because I am so disappointed that I am being taken advantage of like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for XXXX  shows XX/XX/XXXX and the " Date Last Active '' on XXXX  is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90 days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/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 2021-11-16
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX am submitting this on my behalf and no third party is involved. 
I, XXXX XXXX have reached out to Equifax several times about having the wrong demographic information on my report. I've sent the correct documents proving my identification and yet my address is still incorrect. Equifax is intentionally not deleting the addresses I've requested for them to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I Received the following MOST FRUSTRATING! error message : '' Unable to Complete Request We are unable to complete your request. 
" What happened : You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " What to do : Return to annualcreditreport.com and visit the Frequently Asked Questions section for moreinformation Purchase a Personal Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am requesting that a lien to be removed from my car and title. I was never told when I financed the vehicle that there was a lien or that it was a rental car. After I received my title 3 months into my finance I noted a lienholder on my car. After further investigation from car faxes this lien is from the original owner and was taken back by Ally financial who Auctioned the car to the dealership I financed it from less than a month from my finance. I talked to the FDIC who stated I am not responsible for this lien and if after contacting both the lienholder who happens to also be the financial company of my used car finance and dealership that I could not get it removed, to contact you and make a complaint. The representative from FDIC I spoke with stated the seller is to satisfy the lien on the used car I purchased from them before I financed it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We purchased flights and hotel to XXXX, XXXX XXXX XX/XX/XXXX-XX/XX/2020 ) on XX/XX/2020 for {$2900.00} and used my Chase Debit Card. I requested a refund because i removed an excursion and it was for the amount of {$340.00} which i did get back on XX/XX/2020. In XXXX the site, XXXX  closed down and never returned my purchase of {$2500.00}. I filed a claim through Chase on XX/XX/XXXX. I got the funds returned until they finished investigating and on XX/XX/XXXX they denied my claim and removed the amount from my account. They said that the transaction was correct and that I have to go through the XXXX XXXX XXXX XXXX. Per VISA we only have 120 days from date of purchase to dispute a transaction. The issue is that I can not go through the agency because they have been closed for months and im not sure how to get this money back. The bank should be able to refund this purchase that was never completed.

Company response to consumer: Closed with explanation