BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is my formal complaint concerning the XXXX major credit bureaus validation methods. My name XXXX XXXX XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a zero balance. 
I contacted the XXXX major Credit bureaus, XXXX, Experian, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?

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 2015-04-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On Monday XXXX XXXX, 2015 i have been trying for hours to have someone at Experion assist me with items that appear on my credit report in a negative way. The website does not allow you to dispute any items, gives you a message to call XXXX #, you speak with someone and the leave you on hold and never come back on the line.I want them to clear my report of all negative items as soon as possible. Experion keeps transferring me around and no one will help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm reporting inaccuracies in regards to the calculation of my credit score. I believe I have a true problem with IT Hacking. I have seen my credit score drop by XXXX points and then move back up XXXX points, with no change of debt reported on my credit reports. I have saved all free credit report checks and have snip shot or screen shot my credit scores. Now with all debt payed, no change at all in my credit score ( no movement ). Transunion will not change there reporting, but experian did. Tranunion is still holding me down and will not make the appropriate changes. The accounts in question are collected by XXXX XXXX and have odd notations that are n't correct for being paid in full. Others are XXXX XXXX and also XXXX XXXX. Under 15U.S. Code 1669 and 1681 states that any changes must be immediately reported, if not it constitutes a delete of file. I can prove that immediate reporting of good standing changes are n't being reported immediately. May I remind you that I have proof of true hacking and fraud changes made with my credit 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 explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying my student loan for years now and it has not changed in balance. This is the amount they asked me to pay. 
Why is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: FIRSTBANK
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am putting in this complaint on behalf of my nephew, XXXX XXXX. The complaint is against First Bank. He was XXXX years old and a XXXX when he opened the account in 2014. I went with him to the bank and made sure that he had opted out of the Bank paying for anything if he had no funds in his account. He had borrowed some money from another financial institution and they were withdrawing monthly payments out of his account. He lost his job and his account dwindled to XXXX. It was our understanding that he was ok as far as the bank was concerned since we had told them not to pay for anything if there was no money in the account. However, the bank has built up an amount of almost {$250.00} that they say were charges for refusing transactions to the financial institution that XXXX owed some money to. This is fraud of the highest order. We were never informed that the bank would charge for refusing transactions also. We went in to the bank a couple of times and were told that we needed to come back with {$250.00} in hand. We were also given illogical explanations for why it was alright for the bank to charge XXXX for refused transactions. This was very disrespectful. 
We request that all charges be dropped immediately and the bank apologize for making this entire situation so stressful and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've never lived in XXXX Indiana.. This is my x wife.. I 'd like to have removed from my 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 non-monetary relief
Consumer complaint received 2016-03-15
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:
XXXX says I already received a free credit report while I did not. I went through XXXX and their site gave an error, stating technical difficulties. I tried again and they say I already received it. FIX THIS and Give me my credit reports! 

Trans Union can not verify my identity. They ask what county I lived in in XXXX. They did not have the correct answer, though there was a county I lived before XXXX as one of the options. I picked None Of The Above. They did not accept it as the correct answer. But the correct answer was " None Of The Above '' as the only county I lived that showed up as an option was NOT the county I lived in in XXXX. Now they deny to give my free credit report. 
You can not ask me to take extra burden to receive my legal free credit report online. Fix this and Let me access my free credit report online ASAP. If you do not, I am taking all of you to Federal Court.

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 2015-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX XXXX XXXX with an outstanding and way overdue balance. When I received a large check from my employer upon my retirement several months ago ( XXXX 2015 ) I contacted XXXX in XXXX of 2015 and spoke with a young lady named XXXX XXXX in the Collections Department. I explained to her that I had come into some money and wanted to settle with XXXX as it is and was the only negative item on my credit report. She pulled up my account and said my outstanding balance was {$920.00} which included several layers of late charges and penalties. She gave me a figure of {$780.00} and explained that XXXX would accept that amount as payment in full for the debt. I immediately paid that amount through my credit union on line. I received a letter from XXXX on XXXX XXXX, 2015 stating that XXXX had received the payment on XXXX/XXXX/15. She also stated that the pertinent information would be sent to the reporting agencies to reflect my payment to close the account. Apparently this was n't done -- or not done properly because it is still affecting my credit score. Please look into this and see what can be done to alleviate the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have informed Transunion that the XXXX account showing on my credit file do not belong to me. There may have been some mix up or Fraud Activity but this is not my account. I have contacted XXXX and they have not responded to me. So, I do not know how Transunion is getting this inaccurate 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 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Submitted to trans union on line and in writing on more than one occasion that my credit was pulled in error on XXXX/XXXX/XXXX by various automobile financing companies. I provided them with information that would help resolve the matter. XXXX XXXX, general manage at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX spoke with each of the bureaus when this began last year. Each told him I would have to dispute with them. I did, I was told on each occasion that I would need to contact the companies directly. If trans union had contacted XXXX XXXX, he would have verified this was indeed done in error and they could have removed the items. They failed to do this. I checked failed to get proper notice since none of the options were exactly what happened. They failed to investigate at all.

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 2016-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen on XXXX XXXX. I placed fraud alerts with my credit bureau, Transunion, as soon as I was notified on XXXX XXXX. Since XXXX XXXX, my credit has received XXXX additional " hard hits '' on my credit score to bring the total to XXXX. Attempts to resolve this directly with Transunion has been unsuccessful as they repeatedly tell me they ca n't remove these " hard hits '' without proof from the company who requested the credit pull. Each company I spoke to has told me Transunion is the only company who can remove " hard hits ''. I have been brushed off multiple times and passed on to different departments with no resolution. The security freeze option was never suggested even as I asked them what else I can do to stop these multiple credit pulls. Transunion has been completely useless. I feel like I am being victimized all over again.

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 2016-06-07
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Our son was involved in an automobile accident. Which XXXX sent them a check for the car. It was also covered by GAP Insurance. Ally Auto has refused to work with us. This has been going on for 5 months now and the car is NOT paid off. Everything we call the department they say is handling the account we are told it is not there. On XXXX XXXX, 2016 the insurance company mailed a check out after they were told that they were issued the letter of guarantee. As of Friday, XXXX XXXX, XXXX XXXX does not have the Title and the loan is still not paid off. Ally repossessed the car sometime, not even sure when at this point. It was deemed a total loss. When I called Ally Auto in XXXX the Account was in the Total Loss Department. I advised them that they had the car. The account was n't even documented that they had the vehicle. We can not get any one to work with us or to even return our calls. They have not even attempted to contact us. As of Saturday, XXXX XXXX, 2016 we have received our XXXX letter stating Ally is going to sell the car at auction. They are aware that it is an insurance claim.

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 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2009

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed XXXX filings on my credit report ; 1 ) XXXX for fraud due to wrong account number reported on report ; and 2 ) a claim that if false and paid in full. TransUnion and XXXX refused to remove the information after I provided proof that I did not have that account with the bank and the other claim I provided a negotiable instrument with contract on it stating that the claim was paid in full.

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 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance O .. from 13 years ago.. creditor closed my account was never late. 
XXXX/card- bal o reported 11 years ago XX/XX/XXXX card was stolen .. closed still on report. never late. 
Transunion and XXXX reporting these accounts. they need to be removed..

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 2015-08-28
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Barclays Bank Delaware XXXX XXXX XXXX XXXX, XXXX DE, XXXX ) has twice in a years time issued a credit card fraudulently in my name to thieves, after contacting XXXX my credit score, XXXX whom I had requested a credit freeze. Additionally, they substituted the phone numbers of the thieves for my contact telephone number into my personal information XXXX. This was just descovered in XXXX while monitoring my credit reports. Finally, after being notified by phone, by mail and by XXXX, they have not removed the fraudlent account from my credit file XXXX after 8 months! XXXX. Please investigate Barclays Bank which appears to be fraudulent themselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Payoff process

Complaint:
My credit limit was increased without my knowledge or request. I never opted-in or was informed of this policy. This creates a situation where additional charges could be made on my account by someone who has stolen my financial data. It can affect my credit score. 
In addition, the information available to the customer online does not accurately reflect recurring payments pending. The payment is n't posted for XXXX hours and because the customer does not see it listed as pending, the customer may wonder whether or not it is being processed. This would not be of great concern except that the interest could increase by as much as 20 % if XXXX payment is past due. The customer is allowed to schedule payments on a date other than the due date, but if they do so, it may prevent a recurring payment from being processed for the upcoming due date. A customer has no way of knowing this until after the payment is not processed. Because of this, an extra payment on an account may cause unexpected results. The recurring payment agreement can only be seen on the paper bill or by downloading a copy of the paper bill. 
This all seems like an effective way to confuse a consumer enough to miss a payment allowing the increase of interest applied to the original balance of the purchase. 
If online accounting and bill payments are allowed, all activity should be listed clearly under XXXX report or statement. Instead, there are XXXX different " summaries '', " reports '', " history '', or " statements '' none of which reflect all current, scheduled, pending, or past activity. I have never seen such a mess of accounting from any bank or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2013 I had an appointment with XXXX XXXX in XXXX for a problem with XXXX XXXX. The ad I responded to stated that is not successful there would be no cost. 
I received an XXXX that did not satisfy my problem. My problem was I signed a contract expecting good things to come from this treatment. I was presented the contract and was told this was nothing to be concerned about, just part of the process. I also told the interviewer that I would be eligible for Medicare in a few months and was covered by XXXX. The interviewer ( XXXX ) told me XXXX paid good. I made the mistake and gave him my Care Credit card showing my good faith. I received a call from Care Credit a few days later ( taken by my Wife ) asking If I was sure I wanted to continue with this account. At this time I felt I would receive XXXX. I was given XXXX XXXX to take home and use, but never got any positive response. I aske for a refund in cost paid. They asked me to make another appointment. I do not trust the clinic and fear for my health is I went back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
We have been dealing with a debt collection agency which has turned from a debt to a harassment. We are now getting XXXX-XXXX calls a day on XXXX different verizon cell phones. Not to mention the certified letters and the regular incoming mail. We have spoken with this company on several different occasion to work out a payment plan for the company just to play around with the interest rates and payment amounts. Even after bringing the account up to date. We have also asked the company not to call back since we are more than aware of the bill especially considering the call volume. We even receive these calls on weekends, there is no break ever. enough is enough.

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 2016-01-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony bank constantly closes accounts without first checking with the account holder. My rooms to go card has been cancelled twice since XXXX without even a call to me to see what if anything was wrong. Then when you choose in they have bankers hours as if fraud only occurs during those times. So now i ca n't even get this straightened out because the people are " off ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have XXXX Sams Club credit card. I had checked my credit and found that they had added another account. I was told that they opened a new account number and was going to delete the old account. I called twice and was told they would have it deleted from my credit reports. I disputed this duplicate twice with the credit boards and it still remains verified. For instance on XXXX, I have XXXX and XXXX with the same balance and credit line. They are updating these accounts to my credit report but will not delete the duplicate account.

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 2015-08-14
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call at least five times a day and leave a recording stating to leave the last XXXX digits of your account number. Since we have already paid XXXX bills this month and are in transit to XXXX this is ridiculous as we have no records and no idea of what they are calling about. I tried to explain that Florida took away my rights and gave the POA to my daughter and they should call her but this fell on deaf XXXX ears.This seems to be a common practice to have people who speak broken English but it is a very poor practice for an XXXX year old with hearing problems.Perhaps I should turn my phone off. 
XXXX XXXX

Company response to consumer: Closed with monetary relief