BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian Credit Bureau has been and currently still is reporting erroneous information/dates and they refused to reinvestigate, update, and now delete the items after numerous attempts and disputes. I had a charge off from an old XXXX credit card that has since been deleted due to statute. I paid this debt in a settlements through XXXX in XXXX of XXXX ( should have been deleted in XXXX of XXXX ) and also present another old collection XXXX XXXX XXXX paid in XXXX XXXX ( scheduled to drop off XXXX in reality however Experian has added on an additional year and months to remove in XXXX!!! ) Experian is guilty of the following : 1. Reporting the last dates of delinquency erroneously/inadequately. 
2. Failing to update status to CLOSED XXXX XXXX XXXX. 
3. The original debt ( XXXX ) had been removed and XXXX XXXX should have been also. 
4. The statues have expired. ( NY 5 Years from 1st delinquency ) 5. The false information reported has caused an application denial for a {$25000.00} housing grant in XXXX. 
At this point, after exhausting all efforts to have them report the correct information, I will now pursue legal action against them. I have any and all proof of the above as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with XXXX XXXX XXXX. 

After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that XXXX XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. 

This letter is admittance to inaccurate information being furnished to Experian, XXXX and XXXX for multiple years. ( Letter is Attached )

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 2015-07-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We purchased a 2014 XXXX. Later in that year, the wife and I were forced to retire, due to the funding expiring ( we both worked for the XXXX ). Completely unprepared to retire, we lost our home, and had to turn the car over to a XXXX, XXXX agency. Ally Bank got {$15000.00} at auction, we paid {$16000.00}. Ally insists we owe another {$8500.00} due to 5 yr payoff. We are paying {$50.00} a month to a collection agency. I am XXXX old..my wife is XXXX. In order to eliminate that debt, would we have to declare bankruptcy?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Sent certified letter of acct inaccuracy for XXXX XXXX XXXX in XXXX, followed up with faxed letter in XXXX of inaccuracy. Special Handling dept verified that they had received a certified letter and the fax, but they deleted a different XXXX acct that I had sent a notice of dispute on inaccurate payment history. I explained that they had deleted the wrong acct and the one that they did delete was my account but that they payment history was inaccurate. I was then told that they had applied the certified mail letter and the fax letter to this acct. I explained that I did not send a certified letter for the acct that had the inaccurate payment history only a fax that had that acct number on it. They refused to put my account back on even though I told them that I never disputed that it was not my acct as it was and that the payment history was what was being disputed as it was wrong. They left the inaccurate XXXX acct that should have been removed and deleted my XXXX acct that had the inaccurate payment history. According to my understanding of the Fair Credit Reporting Act, their duty as a creditor/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing the inaccurate acct immediately and remedy the acct that was deleted when only the payment history should have been remedied.

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 2021-04-15
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SLM CORPORATION
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had issues with XXXX/Sallie Mae assisting me with trying to repay my loans. When I was not enrolled in school, my loans went into repayment. I told the representative that I could not afford that monthly payment and was there a way to lower my payment. I was told that I did n't have any options other than the monthly payment given or to file a forbearance which is only allowed for a few times during the life of the loan so I did n't want to actually use my forbearance time. Then I was told it would affect my credit if I did not. So it was as if I was forced to use the forbearance time. So I reluctantly agreed to do it because my profression is XXXX so I having negative items on my credit is not an option and could cause me to lose my license. After telling the representative, yes, then she tells me there is a fee to process it and hold it so it does n't delinquent report to the credit report until they get the Forbearance complete. The fee was {$170.00} based on the number of loans I had at that time. Since I did n't want to continue to use my forbearance time because if that 's the only option I have, I need to use it when I really have no option. So I enrolled in a part time in an online problem. Then I get a call from them saying I was due again for {$700.00} and something on my account. I had n't received a notice saying I was back in repayment. I called them once more and told them I was now enrolled in school. They directed me to a form to have my school to complete saying I 'm enrolled in school. My school completed it and faxed the form back to number stated on the the form. I continued to get calls and finally got a representative on the phone. I told the representative that I had my school to fax them the in school form as directed. The representative then tells me, " it 's not our responsibility to check the fax for your forms. Hold on while I go look. '' She comes back on the phone and says, ok we have it and will get the forms processed. I told her thanks and asked her " do you all have any income based repayment plans now? '' She tells me, " umm, that depends. Since you 're in school do n't worry about it. After you get out of school we can discuss what your options are. ''. I feel that I should have more options than forbearance or harming my credit if I can not afford my monthly payments. Why should I fear a program that was intended to help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit bureau is in violation of FCRA and has not physically verified the original contract with my signature on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Ally Invest confirmed me that they will not charge me a fee if I close my Roth IRA after 6 month with ally Invest. I open XX/XX/XXXX closed it XX/XX/XXXX. 
They charged me {$25.00} fee. 
I contacted them to refund as what they said. 
They first rejected. 
I followed up again, they did not reply after I forwarded their email back 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 2015-05-18
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent a request for an investigation regarding an erroneously reported account by Child Support with Equifax. Equifax sent my letter to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with Child Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and address. This was wrong of Equifax to o this and possibly damaging. they should not have been so careless as consumers put their trust in the credit bureaus. I sent Equifax proof that this account was paid and they did not bother to update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a bankruptcy request in XX/XX/2009. I decided to withdraw the bankruptcy and paid all creditors in full. The records show the bankruptcy request was dismissed XX/XX/2009, which was immediately after filing. 
Both XXXX and XXXX deleted this derogatory info upon request. 
Equifax treats it like a regular bankruptcy and will not delete it. This greatly affects my credit capabilities. I have a stellar payment and credit rating otherwise. 
I have had a statement attached to this negative report, and the person who input it misspelled several words which make me look even worse. 
There is no purpose served by not removing this filing. It was filed prematurely and immediately withdrawn without any adjudication. I need this entry deleted as the other bureaus have done. 
I am a XXXX veteran and I need my clean credit rating. 
This is the only negative on any of the credit bureaus. 
Please help me! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: SC
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I was contacted by XXXX, XXXX XXXX, and asked if I would like to sell the time share we purchased in XXXX. She said she had a buyer ready, she sent a contract XXXX XXXX, 2015, read it over with me on the phone. Then she said I had to send her commission, which would be fully refunded by the buyer. Then it was title fees, then XXXX fees, etc., and to be refunded back to me. I was also contacted by XXXX XXXX at XXXX XXXX XXXX XXXX, and told he was holding the money in escrow account. Many promises, no action. Have not be able to get anyone to call me back for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
complaint of double standard : I have over XXXX XXXX XXXX of dollars deposited in checking account and got no interest. But Chase bank charged me a late fee of {$25.00} for overlooking a payment due date. On top of that it charged me a {$9.00} interest. XXXX on {$25.00} translated into a rate of interest 40 %. This is abusive and excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
*I have applied for credit, last fall 2014, and was denied because Equifax claims they do not have any record of me. ( XXXX XXXX and XXXX both do. ) * ( Prior to this, in the summer, I mailed a copy of my driver 's license and a utility bill to verify my identity. ) *Since that time I have attempted XXXX other times, via automated telephone systems, to obtain my free annual, and each time have not received anything. 
*The last time, online ( today -- according to their personal verification system ) I was prompted to select from a list the bank that holds my mortgage. I do n't have a mortgage. 
*I hope for a response soon as I am left with no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report has the same loan being reported XXXX times. I have a total of XXXX loans being reported XXXX times. So instead of the XXXX loans that I have actually taken out, my credit report is showing XXXX. Each company that has managed my loans has reported them, so XXXX companies. XXXX loans. XXXX accounts showing on my credit report. The most recent loan carrier reporting does not even have an open date for my loans. Then I have one other loan that I paid XXXX years ago and it 's even on my credit report XXXX times even though it was already paid off. So, this other loan, XXXX loan, but showing it as XXXX accounts - and it 's been paid for XXXX years. That 's XXXX extra accounts showing on my credit report that should n't be there. And it 's on XXXX reports that I got XXXX XXXX Equifax XXXX, so I 'm sure it 's just as bad or worse with other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: CT
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:
I reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed some items on my Credit Report with Equifax and they took more than the XXXX day required to Investigate. They received my dispute on XXXX/XXXX/2015 and did not complete the investigation until XXXX/XXXX/2015, which is beyond XXXX days. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] They have to delete all items that I disputed. I called Equifax and spoke with XXXX and then XXXX who stated they will not delete the items and that they are in accordance to all FCRA rules. I 'm demanding all Items I disputed be deleted from my Credit Report Immediately. Pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXXhere are the accounts that are fraudulent Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied at Upgrade - all said and good, however, upon approval they asked for information - however, it was TOTALLY broad ... .simply asking for " two years federal tax return '' ... which return? business? personal? which pages? they have no right to my entire return, whether business or personal ... after having waiting 90 minutes on hold to speak to someone after they asked specific questions, they finally told me which specific pages/schedules were needed. this is just so wrong - some people would offer up way too much information. i chose to immediately close my line of credit that was approved because this company clearly has some issues that are clearly worth looking into.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, first national bank & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Seterus, Inc.
State: KS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed chapter XXXX bankruptcy on XXXX/XXXX/14, the bankruptcy was discharged on XXXX/XXXX/2014. I included my XXXX balance of approx. {$34000.00} ; this balance was discharged. XXXX sold the loan to Seterus. I have been making monthly payments to Seterus because I want to avoid a foreclosure. However, Seterus are charging me interest and will not provide me with a statement, nor will they provide me with receipt of my payments. My payments have increased from {$300.00} to over {$400.00}. I have requested pay off statements and the balance keeps increasing. Since this loan was included and discharged in my bankruptcy they should not be charging me interest. I want a refund of all of the interest I have paid them since 2014. I want a detailed list of all of my payments and I want a pay off statement. They refuse to talk to me on the phone because they keep saying I am in bankruptcy. I keep telling them my bankruptcy is discharged and closed. I need this information so that I can sell the property and I want the interest that they have charged me to get refunded. I am not liable to pay this loan because it was discharged. They are breaking the law by charging interest on a loan that was included and discharged in bankruptcy. Please help.

Company response to consumer: Closed with explanation