BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give written permission to furnish this account. 


ALLY FINANCIAL XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for 75 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$32000.00} from XX/XX/XXXX to 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 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a letter numerous times to Transunion requesting they remove a hard inquiry from my account. The inquiry is from XXXX XXXX XXXX. I called the company as I had never heard from them before and they claim my name was on something else from another one of their companies and their secretary made a mistake. They wrote a letter to Transunion back on XXXX XXXX, 2016 telling them it was a mistake and to remove the hard inquiry. They further explained to me that they never even got a report from Transunion as they did not submit the request with any information ( DOB, SS #, etc. ) as they did not have that information to submit. I have filed numerous requests with Transunion to remove this hard inquiry and they simply ignore my request by sending me a copy of my credit report. I 'm getting pretty tired of this and do not understand how they are allowed to ignore these things or simply not respond to a concern. This is not appropriate and I am asking for your help to address this wrong doing on Transunion 's part. Thank you.

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 2019-11-30
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2019 I received dispute results from Experian for report number XXXX. The results stated that the tradeline XXXX XXXX was reporting accurately. The 'terms '' of this tradeline are not correct. The tradeline was allegedly investigated by Experian through XXXX. This investigation is null because the reported 'terms ' are not correct. The report also states that I was 30 days late Experian is also reporting late payment 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 explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/22 I sent a certified letter to all XXXX credit bureaus about each collection agency listed on my credit report asking for validation of the debt and the method of validation along with my wet signature on the original contract of the said company where I agreed that my information could be sold or given to the credit collection agency. The first time around the only thing I got was a notification that the credit collection agencies met the required FRCA rules and an updated credit report. 

On XX/XX/22 I sent another certified letter to each credit bureau again about the same collection agencies listed asking again for validation of the debt, the method of validation and my wet signature on the original contract. 

None of the disputed accounts have been fully validated and the information I requested has not been presented. I asked that the accounts be deleted if they were not able to verify the accounts properly. This has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Last 4 of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
Todays date is XXXX Talked to this XXXX they told me that XXXX XXXX XXXX pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for XXXX XXXX XXXX, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for XXXX XXXX XXXX. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as Funding below, and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Credit Accounts and account number XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXXXXXX XXXX These Accounts are not mine no supporting documents XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXXXXXX XXXX. These accounts are not mine never provided me supporting documents. 

XXXX XXXX Personal Information XXXX XXXX XXXX XXXX not mine XXXX AZ, XXXX Credit Inquiries XXXX XXXX XXXX XXXX Revolving Credit Accounts XXXX XXXX XXXX XXXX XXXX XXXX Derogatory Information XXXX XXXX XXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

XXXX you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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 UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Last 4 of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX  below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
Todays date is XXXX Talked to this XXXX they told me that XXXX XXXX XXXX pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for XXXX XXXX XXXX, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for XXXX XXXX XXXX. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as XXXX below, and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Credit Accounts and account number XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXXXXXX XXXX These Accounts are not mine no supporting documents Experian XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXX XXXX  XXXX XXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX  XXXX XXXX XXXX. These accounts are not mine never provided me supporting documents. 

XXXX XXXX Personal Information XXXX XXXX XXXX XXXX not mine XXXX AZ, XXXX Credit Inquiries XXXX XXXX XXXX XXXX Revolving Credit Accounts XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

XXXX you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you 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 non-monetary relief
Consumer complaint received 2020-10-12
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: Account status incorrect

Complaint:
TransUnion is intentionally doing fraudulent or illegal reporting of information. This credit reporting agency is falsely reporting missed payments on an account ( XXXX XXXX ) that does not belong to me and it has been disputed. Not only is TransUnion doing that, but this agency is also reporting missed payments on this account and the account has been closed. If TransUnion is not going to be held responsible for its tactics, by your organization, then who do I need to contact, that is over your organization? Because, clearly, it can be seen that TransUnion intentionally does thing that is in the best interest of TransUnion and not the consumer.

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 2022-09-04
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/22 I purchased a merchandise and paid through my PayPal credit account. I noticed the merchandise was defected and didnt work. I contacted the seller and received address to return merchandise which was delivered, I have a tracking # that it was received. PayPal continued with dispute and removed amount from my statement. On XX/XX/22 it was added back to my account, I disputed again and was removed again from PayPal on XX/XX/22 in addition, I also provided copies of return merchandise and on XX/XX/22 it was added again to my PayPal account. PayPal wants me to deal with the vendor/seller, I do need to deal with them, I do not have the merchandise and DO NOT owe this money. As a result of this this amount being to my account, it affected my credit report XXXX and XXXX score by XXXX points for increased amount and over limit amount. Please help me get this taken care of. I do not owe the money of {$1400.00} to PayPal or vendor/Seller.

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 2017-08-24
Company: AES/PHEAA
State: TX
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:
Over the course of the last 3 years I have contacted my loan service to ask for accommodations regarding the monthly repayment amount. AES was the initial servicer. I read in the news about Public loan forgiveness. I was told by AES that my loans needed to be direct fed loans. I completed the process as advised by Fed student aid or studentloans.gov to consolidate my loans to become fed direct. Therefore qualifying for public service forgiveness plan. Upon completion of the consolidation I was told I do not qualify for the public forgiveness because I am not on an Income based payment plan but if I applied and approved all payments made to date as direct fed loans would count in the forgiveness plan. I was denied IBR. My combined income was too much. 
Recently my wife lost her job and I called studentloans.gov to get help. They said I can not reduce my payments any further than $ XXXX/mo. Unless I was on the IBR. on XX/XX/XXXX I completed another IBR application due to my wifes loss of income. When I was done submitting the rep on the phone told me that none of my previous payments would count as Public forgiveness even if I was approved for the IBR. 
My issue is with the loan amount and the monthly repayment. The rep at studentloans.gov told me that $ 200+ is going interest and not principle. I am XXXX and based off of the current repayment plan I will never pay this off. We are struggling to get the monthly amount paid and it is causing hardship at home. Since graduating college in XXXX my loan amount has INCREASED due to needing forbearance many times. 
I need help! I have talked to my loan providers on 8 occasions and have received many mixed messages from the different reps. Only once did they offer or talk about IBR as an option. No other help was given. I had to seek information about public service forgiveness on my own and only then did they talk to me about it. I simply can not pay $ XXXX/mo. That is an unreasonable amount. I am a federal employee so my job is at risk as well. If these loans go default they will terminate my employment. If they garnish XXXX/mo we will lose daycare for my youngest child and not to mention my credit report will suffer greatly. I have reached out to fedloans.gov and studentloans.gov as well as the schools I attended and no one is able to assist. I have asked the universities to provide me with a statement of costs for the classes I took. All of them have said they cant give me that. I want to know if my balance is even legit or have I been double charged or charged out of state tuition when I was actually a resident. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by IQ Data International. IQ Data International does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. I sent IQ Data International a creditors validation letter to support their rights to collect a debt as a third-party debt collector in Texas. So, I checked the Secretary of State Texas Debt Collections Division website and found out that IQ Data International is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In my case against IQ Data International, they are not registered with the State of Texas proven they have the right to collect debt in Texas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: GA
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:
The inquiries listed in this report are fraudulent and equifax is breaking the law by reporting fraudulent inquiries Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: STERLING JEWELERS, 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: Account information incorrect

Complaint:
Jared is showing on my credit report as a charge off that is a closed account on XX/XX/2016. This company does not show the payment status on the credit report. It also shows that the last payment was XX/XX/2016 which is after the account has been closed. During the time the company had me enrolled in payment protection insurance without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a Wells Fargo Secured Credit Card on XX/XX/XXXX with the intention to establish a credit history and graduate to an unsecured WF credit card as soon as possible. When I applied for the Wells Fargo Secured Credit Card, neither the Account Agreement nor the Terms and Conditions specified any restrictions on the eligibility for an upgrade to an unsecured WF card. On XX/XX/XXXX, after almost three years with the card and multiple contacts with WF customer service confirming that nothing on the account speaks against an upgrade of the account and asking for more patience, WF still has not upgraded the account. This appears to be due to a clandestine addition of restrictions on upgrade eligibility to the Account Agreement and Terms and Conditions by Wells Fargo without informing customers of these restrictions. Specifically, WF added a clause rendering individuals who are not " U.S. Citizens or Permanent Resident Aliens '' ineligible for upgrades. 

The attached files are the Wells Fargo Secured Credit Card Account Agreement that WF provided to the CFPB which does not include any language on upgrade eligibility, the current Account Agreement provided on WF 's website as of XX/XX/XXXX which does list such restrictions, the Terms and Conditions at time of application for the account ( XX/XX/XXXX ),  and files that document the timing at which upgrade eligibility criteria where added to the Terms and Conditions ( XX/XX/XXXX ) and to the Account Agreement ( 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 monetary relief
Consumer complaint received 2022-09-04
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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 identity was stolen, someone opened with PenFed Credit Union an account in my name and take out a loan, I reported the fraud, they investigated, and come to conclusion that the loan name and soc sec is mine therefore is not a fraud, and I am responsible for the loan payment, the bank never provided me with a copy of id used to open the loan or a copy of the signature page. Pen Fed Credit Union never tried to cross examine my address and picture id with the one on file. During the investigation period the thief made a payment which never raised concerns whom he is where the money comes from under middle of the investigation period. I seen it on my credit report, when I brought it to Pen Fed Credit Union Fraud Departments attention, I was told that they aware is not me paying and they still investigating my case. The Pen Fed Credit Union XXXX XXXX XXXX Fraud Investigations Manager closed my fraud report without resolving the case. and I still have the fraudulent at this point delinquent loan on my name. With a thief using that account. I need help to resolve this issue of the identity theft and fraud.

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 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
Equifax experienced a large data breach and proceeded to withhold that information from its customers.

Company response to consumer: Closed with explanation