BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-24
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the XXXX year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a public record listed on my Experian credit file which is a FEDERAL TAX LIEN Docket # XXXX which is NOT mine it is my fathers I have never owed the IRS. This is very inaccurate information and untrue and I want this remove ASAP

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 2015-04-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a significant issue with XXXX XXXX in connection with my former account, which impacted another separate XXXX XXXX account ( which XXXX cancelled although there were no overdue or outstanding payments ). XXXX has clearly erred in providing my account information to an unauthorized third party, or permitting this third party to obtain information about me. This is both improper and illegal. This third party made several attempts to contact my brother, an XXXX Gold Card holder, about my account, and made dozens of illegal calls to me in an effort to collect payment. To end this dispute, on XXXX XXXX, 2015 I sent to XXXX a letter by certified mail with a check for {$1500.00} that was expressly conditional upon XXXX accepting this " full and final payment '' to settle the account. XXXX cashed the check and then claimed that they were not bound by the terms of the letter and the check ( the latter of which expressly referenced that this was for " full and final '' payment for this account ). XXXX 's failure to acknowledge that they have accepted my settlement offer, and failure to advise the credit reporting companies that this dispute has been settled, adversely affects my credit score and could prevent my wife and I from obtaining a home equity loan/second mortgage for our home ( for which we are now submitting an application ). Having accepted my offer to settle this dispute, XXXX must a ) acknowledge acceptance of the settlement and b ) advise all credit reporting companies immediately that this settlement has occurred and expunge from my credit records any assertion of non-payment or late payment in connection with this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.

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 2016-02-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received the response from XXXX that they had corrected that this amount was not owned, but Experian still has it reflected as negative information. The corporate office of XXXX responded and apologized and they keep soliciting me to be a customer, but Experian has not updated and corrected this information as it was not a charge off, and there is not a {$360.00} that is still owed. Experian really needs to be investigated for this type of behavior and contact the company for solid verification.

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 2016-02-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are accounts open dating back to 2010, home loans and credit cards open under my information. I was in XXXX school at that time therefore have not opened a home loan, recently became an adult, i have never started my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went to sign in at annual credit report .com and in order to get all three reports i have to answer XXXX questions per a report. XXXX XXXX was fine. The next report I tried to get had XXXX questions, the XXXX question stated I had a mortgage and a loan amount. I do not have a mortgage and no monthly payment. The XXXX time I tried I selected the option ( none of these ) I failed to get in. Then I tried again and got locked out. I can not get my credit report because a mortgage with an unknown bank is on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
correction of typo-error in prior CPFB complaint ; but underlying complaint was 100 % correct, so I am repeating it here : I paid {$5.00} to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went to T-U website via XXXX for my FREE report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE report. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentionally SCHEMED by T-U. I demand my FREE report accessible on-line -- - ASAP.

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 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Approximately 1 year ago my credit score was about XXXX with a XXXX Major Credit Reporting Bureaus. After I made inquiries and disputes with all XXXX Major Credit Reporting Bureaus XXXX and XXXX Made appropriate adjustment and or deletions and my credit score was raised to XXXX by both XXXX and XXXX. Trans Union however dropped or reduced my credit score to XXXX. 

I believe the score is wrong and I am seeking its adjustment.

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 2015-07-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been dealing with Experian on numerous false items on my credit report and they are refusing to complete the investigation according to the information I have given them. Each time I give them the information they ask for, I get a form letter saying " Frivolous dispute '' we will not complete, which is false. I have numerous items from XXXX on my report that are XXXX reporting as late accounts, which is false, and as public judgement s, which is also false. I contacted the Court and they told me these records are not being validated properly yet each time I get a letter from Experian, they say the investigation has resulted in the items being mine. Case in point is the name of the co-signer listed on these records. The person does not exist and the social security number does not match the name of the person listed, therefore making these records ALL false and they all should be deleted. Yet, each time I bring this to the attention of Experian, I get a form letter saying they are under NO obligation to investigate because they already did an investigation. This is complete nonsense, as they are clearly using a computer driven data drive to match only my name and information listed with a record of another person and they never investigate the co-signer information, as I told them it would clearly show these are false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As per the creditor ( XXXX ) and the credit reporting agency ( TransUnion ), I 've waited XXXX days for my XXXX account information to update and report. As of today 's date this information is still not appearing on my credit 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
Consumer complaint received 2015-07-22
Company: Armada Corp.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection agency in question has failed to respond to debt verification via telephone and written correspondence. Agency has informed me that they will continue to asses fees onto original amount due ; although I have not heard from agency in over one month. Their practices seem to be very predatory ; I would like some form of explanation and clarity and complete removal from my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion continues to block online access to my credit report when I have been denied credit. They will provide my free annual credit report online and they will provide it to me online if I PAY them, but they continue to block me access from getting a free online copy of my credit report after being denied credit. This is a violation of the law and I would like them to stop forcing me to pay for my credit report when I am entitled to a free copy under the law. They are purposely stealing money from me by forcing me to pay for a report ... this is unacceptable behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: ALLY FINANCIAL INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This bank seems to engage in a deceptive practice with regard to funds availability with deposited checks. I received notice that a deposit made on XX/XX/XXXX would be available in two portions, {$200.00} on XX/XX/XXXX ( next business day ) and the remainder on XX/XX/XXXX ( 2 business days ). This is in accordance with the deposit agreement on the account and not in dispute. However, on XX/XX/XXXX the bank overdrafted my account repeatedly prior to releasing these funds, only to release them immediately after processing the overdraft transfers. The result was a net income ( {$20.00} ) to the bank due to excessive transfer fees against a savings account that were unnecessary due to their mistaken late release of the funds.

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 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submitted the online form to request my credit report annually at the very end was denied access to view my report and was given instructions another options to view

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 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion is still showing a federal tax lien on my credit report which was removed and withdrawn by the Internal Revenue Service on XXXX. The other XXXX main credit bureaus properly removed this from 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 non-monetary relief
Consumer complaint received 2016-10-21
Company: ALLY FINANCIAL INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, my lease for a XXXX XXXX XXXX had been completed. In lieu of returning the vehicle to Ally, the lease holder, I traded-in my leased vehicle to the dealership when I purchased my new vehicle. The vehicle was never returned to Ally but they have filed a collection against me and my ex-husband for excess mileage fees. Had the vehicle been returned to them, they would be entitled to these fees but since the vehicle was purchased by the dealership where I purchased my new vehicle, they are not. Section XXXX of the XXXX XXXX Agreement ( Excess Mileage Charge ) clearly states, " There is no excess mileage charge if you buy the vehicle ''. Since only XXXX outcomes are possible at lease end - purchase or return the vehicle - and the vehicle was purchased, Ally is not due these fees. 

NOTE : My new vehicle purchase was financed with Ally Financial as well.

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 2017-01-29
Company: Nelnet, Inc.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a loan with XXXX and I believe the Consumer Financial Protection Bureau needs to also look at Nelnet. I have XXXX and my loan was discharged under XXXX Guidelines also known as XXXX. I had spent many years trying to get the loans discharged with Nelnet. Nelnet could never seem to find the paperwork that I submitted to have the loans discharged. I repeatedly called, faxed, and mailed information to Nelnet. My loans were wrote off and charged back because of my income. I will continue to fight on these loans and have come to accept the fact that Nelnet is a big company and they will probably get there way. A letter wrote by XXXX XXXX of Nelnet to the Attorney General of XXXX on XX/XX/XXXX stated that Nelnet had told me that the calls I made on on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that they did not have an Ombudsman. That part was true than XXXX XXXX Of Nelnet continued to say in her letter to the Attorney General and to me that Nelnet recommended me to contact the Ombudsman group with the Department of Education that was a lie. " Half a Truth is often a great Lie '', XXXX XXXX. How many of these half truths does Nelnet tell the people it services. I asked for transcripts shortly after each of these calls I had made and I have received nothing. I do n't really care what Nelnet does to me and my credit rating. I want people to know that Nelnet is being deceptive at great lengths. How can Nelnet Have a good code of conduct if they are lying about the little issues. " Nelnet 's Code of Conduct applies to and serves as the guide for all of our associates as we strive to do business with the highest degree of honesty and integrity. ", this is off of Nelnets Code of Conduct website. XXXX XXXX CEO. They are just as bad as XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I would like to file a complaint against Navient for harassing me. I have repeatedly tried to lower my payments with no help so I pay whenever I can and it has not even been a month ( last payment was XXXX XXXX XXXX XXXX since my last payment yet I am still getting up to 8 calls and 2 emails a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX 

I was in a corporation that utilized this company, where XXXX individual credit cards were issued. XXXX to myself, and the other XXXX were issued to corporate owners. XXXX of the previous owners decided to decline any use of their issued card. Myself, and the other remaining cardholder were the only users of the XXXX. This account was a business account, not a personal account, and should not be on my personal credit report. Proper responsibility was taken on my behalf, and the issued account in my name was paid in full. 

However, information regarding the remaining associate 's account ( with their contact information ) was sent to XXXX and also the credit bureaus, to no avail. XXXX XXXX fell to bankrupcy, and failed to respond. The status of the credit card is listed as unknown. This was a business account and this damaging information has reflected within my personal credit report over the past eight years. I want the adverse information removed, as my issued corporate credit card was paid off. Therefore, I could use help to aleiviate these nocuous statements within my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIANXXXX/XXXXaccount showing collection/chargeoff ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
APPLIED HAS SPECIAL ARRANGEMENTS WITH EXPERIAN AND IS BIAS IN VIOLATION OF ALL CONSUMER RIGHTS VIOLATORS.

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 2022-02-01
Company: EQUIFAX, INC.
State: TX
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 spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX XXXX credit card in the last 6 months. So XXXX XXXX Inquiry on XX/XX/2022 is not resulting from my personal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have file two offer complaints with Experian for not updating or removing account base on letterhead from child support asking them to remove any delinquency and account is up today {$0.00} balance. Compliant # 1 : XXXX on XXXX/XXXX/XXXX, Compliant # 2 : XXXX On XXXX/XXXX/XXXX. They remove delinquency but they still reporting a balance of {$180.00}. I file a complaint with XXXX and they updated account right away XXXX XXXX/XXXX/XXXX. There was no need for me to take any further action with XXXX they followed legal document sign and dated by Child support. Experian rather still report and remove what they feel like regardless what creditor who reported in the first place is asking to report or update with a letterhead. I also make a complaint with Attorney General, and XXXX letting them know what my experience with Experian as been very disrespectful. I attached a copy of the why Experian is reporting my account after they clearly know and contact child support and still showing a balance of {$180.00}. I attached a new letterhead from child support with Supervisor Signature stating the account as XXXX balance and do not report or remove any delinquency from this account. I attached XXXX Compliant and Attorney General complaint that Experian has to legally respond too. I should not have to go through all of this if Experian follows Letterheads from Creditors. If they still feel the need to get more information from the creditor do n't do it at the consumer expense they have more to lose. 30 to 60 days should apply to account that has no proof from the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I do not understand what or why I 've been filed with the following agency. I tried contacting them but I have to call during working hours Monday thru Friday. I ca n't because I 'm at work during those hours. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *this number is wrong. The correct number is XXXX.

Company response to consumer: Closed with explanation