BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Afni Inc  is reporting a debt of {$320.00} that I do not owe them.     They claim to be servicing a debt on behalf of  XXXX   XXXX   XXXX  but I 've never had an account wit  XXXX   XXXX   XXXX   XXXX   before. Not just that, at this very moment there is another collection agency under the name "   XXXX   XXXX   '' who is also reporting this same account to my credit?     How can  XXXX  collection companies be collecting on the same debt? Is n't that illegal?     I am attaching a screenshot from a recent report which shows how   XXXX   XXXX   is reporting this to my credit with a different account number.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these  XXXX  collection companies. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     The account number for  Afni Inc ' s debt is "  XXXX  ''. My report indicates that the account has an " open date '' of    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an XXXX signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, Equifax , and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
There were XXXX charges to my sams master card synchrony bank card that I did not authorize. 
XXXX for {$57.00} and XXXX for {$29.00} on XXXX and XXXX to the sams .com name .. Cancelled card and are waiting new card.These charges still remain on my account. Not happy with the way this is being handled.They are very slow.When this has happened before with other cards there was a quick resolution.Very agrivating dealing with synchrony bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My home mortgage bank dose not report every payment I made to my home loan. 
I have payed 7 months on time and they have only reported 3 payments and that is effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
None of the accounts were deleted off any of the XXXX credit companies

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 2016-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX I checked my credit report and all of my inquiries was deleted. I logged in today and all my inquiries are back and it caused my score to go down.

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 2015-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This item is past the Fair Credit Reporting Act statute of limitation. XXXX was closed and paid properly in XXXX. It is now XXXX XXXX XXXX. Can you please remove it from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that Trans Union Corporation has a IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that had a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
TRANS UNION CORPORATION IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT UNTIL XXXX MY MORTGAGE WITH 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 2015-11-25
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX XXXX BANK MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NEVER TRYED TO GET A LOAN FOR A CAR

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX # XXXX {$620.00} ... .i have contacted this collection agency and they can not verify this account as mine but it comes back as verified with transunion ... ... method of verification is wrong when i disputed this account ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for a capital one secured credit card using my passport and itin number. Then I closed the account because I couldn't use it, but they didn't refund my deposit. My account number is XXXX My ITIN XXXX Passport at the time of application is XXXX And keep asking me to provide files that I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have. Requested removal of my XXXX bankruptcy court. 
And denial letters from Ally financial letters sho. DerogatoryXXXX XXXX is removing. I would prefer names and my previous address removed not disputed. Pls resolve this. I expect my credit to beXXXX or XXXX soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have received discharge order from bankruptcy court on XXXX XXXX, 2000. 
But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

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 2015-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have requested the credit bureau to remove all derogatory credit reporting in reference to student loans that had been intiated by XXXX online division. I have made this request based on the federal lawsuit that has been filed against XXXX parent company XXXX. The lawsuit accuses the school of fraud. I submitted the court case to the credit bureau and have requested XXXX provide all supporting documents such as promissary notes. XXXX has neglect to do so and all XXXX credit reporting agencies investgated this as identity theft. This os a deliberate misrepresentation of my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and XXXX, the company continues to be non-compliant., Requesting a re-investigation compliant.

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 2021-01-18
Company: EQUIFAX, INC.
State: NY
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:
These companies are inaccurately reporting items on my credit report that don't belong on there. I have sent letters and complaints over 45 days ago and still haven't gotten any response. Please assist me in removing these unauthorized accounts and infomtnatin from my credit report. Enclosed are photos of my ID, proof of address, social security card and the letters sent to the credit card companies that they disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and XXXX, the company continues to be non-compliant., Requesting a re-investigation compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is reporting a debt that is too old to be on my report to Transunion there are multiple inaccuracies being reported such as the date of last payment and the date it was closed. I have disputed it through Transunion multiple times and keep getting the same response that it has previously been verified. This same account has been removed from XXXX and XXXX due to age and inaccuracies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Below is my issues ... 
1. Bankruptcy Filed XXXX ; US Bankruptcy XXXX ; XXXX or ID # XXXX ; this has been discharged and should be listed as discharged but they still have not updated this.. It was discharged in XXXX 2015 ... When i apply for credit everyone tells me my Bankrupt is still active but it is not. Discharged in XXXX on XXXX XXXX, 2015. 
2. Case or ID # XXXX -- - this needs to be deleted from my report. It has been more than 8 years. 
3. Case or ID # XXXX -- this needs to be removed. it was included in my chapter XXXX and needs to be deleted because I am no longer liable. 
4. Case or ID # XXXX -- - This needs to be removed. I am no longer liable for this account. Please delete .... 
5. Case or ID # XXXX -- - Needs to be deleted..I am no longer liable for this account. 
6. Account # XXXX -- -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
7. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
8. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
9. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
10. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
11. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
12. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete13. Account # XXXX Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete14. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete15. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete16. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete17.Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete18. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted several request disputing collection agency information on my file, for XXXX XXXX XXXX. this is not my debt. I also have open a full investigation against this company. As you can see on the attached information i forward to collection agency & Equifax yet they both continue to report incorrect information on my credit. This is the apt complex responsibility not mine and you can see on the county fire report it states in undetermined. Apt complex all copies of report and so does their district manager. XXXX XXXX. I 'm trying to fix my credit to purchase a home and this continue to be a problem for me. Please help Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Despite my five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Transunion stated in writing that they verified that these items are being reported correctly. Transunion refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Transunion is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Transunion to post the accounts listed below is evidence that it does not exist and therefore is proof that Transunion can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Transunion 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX ( remove unverified account ) 2. XXXX ( remove unverified account ) 3. XXXX XXXX ( remove unverified account ) 4. XXXX XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified 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 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please remove XXXX from my collection and any another areas that it is showing up. It is flagging as an eviction when really it was a collection for XXXX, is preventing me from renting, and was dismissed with my bankruptcy.

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 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX sent me a letter on XXXX XXXX, XXXX indicating that the XXXX reporting agencies would correct the delinquency errors on credit reports. An automatic stay had been issued on XXXX/XXXX/XXXX and XXXX mistakenly placed a delinquency on my report on XXXX. XXXX and XXXX corrected the error, but Transunion continues to list the loan as an adverse account. I disputed the account and uploaded a copy of XXXX letter ( attached ), Transunion removed the delinquency date of XXXX, updated my report to indicate I disputed the delinquency, listed the loan under adverse accounts, and will not remove the account until XXXX. Transunion has flagrantly ignored the directive from XXXX XXXX for almost 2 years.

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 2016-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time,XXXX yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight 2 late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status.

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