BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have been requesting that a correction be made to my credit report after my credit card company XXXX had reported wrong information to all three bureaus. They incorrectly reported : Transunion 60 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment incorrectly reported on XX/XX/2020 I have called at least 6 times to XXXX and was told verbally this error would be corrected with the next cycle of reporting, it never was. 
I have reported to each of the three credit reporting agencies who also would not correct the error even with XXXX stating it was incorrect info. 
This has been going on for months! 
I finally received a letter from XXXX stating the credit reports would be updated and incorrect info removed. 
I filed another dispute with all three bureaus yet I still have not had any corrections made to my reports. THE DOCUMENTATION YOU PROVIDED WITH YOUR DISPUTE BUT HAVE DETERMINED THAT IT WAS NOT SUFFICIENT TO MAKE THE CHANGES OR DELETIONS YOU REQUESTED '' I couldn't believe it! If the company which reported information made an error and are admitting to that error then who or what gives XXXX the authority to state they will not fix it? Its wrong and if it is not fixed immediately I will have to file a suit! 

I have also demanded the credit reporting agencies to ADD the XXXX points that were deducted from my credit scores on all XXXX reports to be added back to my score! 

I have not been able to get any corrections made and at this point I am demanding it be repaired, the negative info removed and my score to be updated by adding the XXXX points!

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 2019-10-16
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: Information belongs to someone else

Complaint:
i HAVE FILED WITH FTC, I HAVE WRITTEN CREDIT BUREAUS AND CREDITOR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: American Credit Acceptance, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A debt collection for a repo of {$8000.00} from American Credit Acceptance was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to XXXX XXXX XXXX which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX   who is disputing this and requesting for it to be deleted from XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - XXXX  XXXX XXXX # XXXX -XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX -XXXX 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 2020-12-12
Company: Experian Information Solutions Inc.
State: NC
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 HAVE ASK TO HAVE THESE TO BE REMOVE AND THEY HAVE YET TO REMOVE THEM.

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 2020-12-12
Company: EQUIFAX, INC.
State: NC
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 HAVE ASK TO HAVE THESE TO BE REMOVE AND THEY HAVE YET TO REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the last 3 years, I have made my loan payments to Navient. Every month I have notifications that I am late. I am assured every time I make a lump sum payment, on my own or by way of their auto draft- it does n't matter. The payments are not applied equally across my loans. Navient is the telling me the total amount necessary to satisfy these payments but then they do n't apply them correctly. Even now, because I don't/ca n't trust their auto draft payment process, I pay online. It still shows me behind on 3 of my 6 loans. I have had honest representatives tell me their system for many years clearly has not applied my payments correctly. When I escalate the call to a supervisor, I am belittled and treated poorly. Because of this, I have a mark on my credit from one loan. One loan out of six. It makes ZERO sense that if I am making lump sum payments, that I would avoid paying on one loan. They refuse to remove the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I purchased two mattresses ( one for myself & one for my husband XX/XX/18. The contract to an amt of XXXX These were NOT any over the top mattress ; but two pillow tops-which we did not order ; but they shipped and said we had to accept. The payments were to be XXXX each month. We paid every payment on time until : our bank account was hit by a false check. I went to the XXXX XXXX and paid a fee of {$10.00} to keep from me being have to pay a late feel. I went the bank and came back immediately with the XXXX in cash. They did not return my $ XXXX or apply it to the account. Some 3 months later my husband was in the hospital and I had to pay the same fee again. After that we needed to take care of him and that made me a day late. The next we heard was that we were being taken to court ; unless we paid off the account. At that time we were exactly two payments from completely the account. They wanted it all on the same day or nothing else was acceptable. I have bought from them 3-4 different times and all paid out in full with no issues. They have already put this on my account for all to see ; and want more money including {$63.00} for an attorney they are using. If you look at the full list of everything done during this period ; it comes to a paid in full. But they refuse. XXXX XXXX I am sending a copy of the documents that are on this amount due.

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 2017-06-27
Company: Experian Information Solutions Inc.
State: MD
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 has not updated information to Experian and XXXX with my accounts. I received a letter stating this would occur but, it has not.

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 2018-06-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian would not provide my free credit report through the US government system which forced me to purchase it for {$1.00} through their system. 

After accessing my report, Experian signed me up for their for " Experian CreditWorks Plus '' without my consent or notification using the credit card I used to make the {$1.00} payment. 

Experian also insists on sending me emails that are essentially marketing emails that I can not opt out of because they claim they are " important account information ''. 

Experian 's behavior is unethical and borderline fraudulent. I should have access to a free credit report which Experian denied through the established system and I should not have to worry about being charged for unnecessary products when I am forced to pay for a product that is free by law. 

Note : This is the first complaint I have made against a company because I feel Experian 's conduct is not appropriate given they are an organization that I am forced to have a relationship with given the authority the US gov't as bestowed upon them. They act as one of the main wholesalers of my financial data, which I have no choices in limit their access. 

Regards, XXXX XXXX Experian member ID : XXXX Date of issue : XX/XX/2018 to present

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 2017-06-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and Midland Credit Management on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Midland Credit Management, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
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:
IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES WHICH WERE NOT DONE BY ME, EQUIFAX AND XXXX CREDIT BUREAU INQUIRIES BELOW : *****XXXX XXXXA XX/XX/XXXX ***XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ***XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX AND XXXX ***XXXX XXXX  SHOWS A XXXX BALANCE THIS CREDIT CARD WAS PAID TO A XXXX BALANCE I ASK GRACIOUSLY IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

**XXXX XXXX XXXXXXXX XXXX IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

EQUIFAX XXXX AND XXXX XXXXXXXX XXXX CREDIT CARD AND XXXX XXXX CREDIT CARD IS MY CREDIT CARDS AND WAS PAID TO XXXX BALANCE ..THESE TWO ACCOUNTS SHOULD BE UPDATED TO PAID TO A XXXX BALANCE. **** THIS IS NOT ACCURATE ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is the second time that I 've noticed this, so I believe it is the strategy of Bank of America to remove charges from a person 's transactions in order to trigger overdraft fees. I made a charge at XXXX XXXX in XXXX for {$14.00} plus a {$3.00} tip. The {$14.00} showed up immediately, but then disappeared a few days later, giving me the false impression that I had more money than I really do. In fact, along with that charge came ATM transaction fees that are several days old. Is this practice legal?

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: ALLY FINANCIAL INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I had a loan with Ally Auto. I paid the loan off on XXXX XXXX. I was assured my Title was sent to me on XX/XX/2022. As of today XXXX XXXX I have not received the title. I have made numerous calls to Ally Executive Customer Relations, approximately 20, in an attempt to resolve this issue to no avail. I am frustrated and find no other recourse but to file a complaint.

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: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I 'm unable to open either a business and or personal account with Chase Bank and I 'm completely confused as to why. 

I 've had no record of abuse with Chase Bank and I 'm being treated unfairly and would love to be a Chase Bank Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Western Union sponsored a sweepstakes which was given publicity. I participated in the said sweepstakes. It appears no winner was awarded the prize as Western Union  indicated in the rules governing the sweepstakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, INC.
State: MS
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:
I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

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: 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: Reporting company used your report improperly

Complaint:
When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XXXX, XXXX. All these inquires are fraud! I listed them below. XX/XX/XXXXXXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Their is a total of 8 fraudulent hard inquiries on my Equifax credit report. By law they must be removed. Attached is my police report showing I have reported these inquiries and below are other hard inquiries that I did not authorize making them also fraudulent 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 2020-04-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EXPERIAN is depicting a XXXX, charged off account with what I believe to be inaccurate information in the payment history.The account is saying the date of first delinquency was XXXX believe this to be entirely incorrect because my financial implosion was much earlier.I think the XXXX days late began at least 6 months earlier or more because perhaps it was forgiven maybe because ... XXXX am a military veteran with an account that was good for seven years which might have seemed to help at the time but does not help now.So ... .the inaccurate payment history with the inaccurate date of first delinquency should cause this account to be removed from my Experian file right now.

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: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get me credit reports from my annual credit. I was able to get XXXX but i was not able to get XXXX or Experian.

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 2017-08-24
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation