BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 2022-04-21
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:
In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX, account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They did not resolve my dispute. 
XXXX XXXX XXXX was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. Additionally, it is showing as charged off, yet they keep adding fees on there and adding it back on as new.

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 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My sisters information is 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
Consumer complaint received 2015-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
the date is wrong when the collection was put on my credit report 1.It was in 2009 when it was in collections2.the amount is different from when first put in collections

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MO
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:
Deleted this account immediately for account violations.

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 2021-09-06
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
They have took out a total of XXXX dollars that are unaccounted for. They also said I took out increments of XXXX out of an arm. My bankstatensnts and transactions don't match. They just keep blowing me off and have even closed my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Equifax, XXXX is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: CITIBANK, N.A.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Took out a loan with One Main Financial for {$5000.00} but it was reported to the credit bureau as almost {$10000.00}. It was the interest if the loan was paid back as scheduled but that interest is n't due except what is due at the payment due date. I have paid a lot of extra payments but the loan still is reported as if only a full balance of interest and principle is still due. In other words they are over reporting to the credit bureaus the amount of the loan and they are still only showing the payments I have made as principle and not lowered the amount because interest would be a lot less. I have made about {$2000.00} payments in less then 4 months so interest on the loan would be considerably less if they are allowed to report the future interest as balance due on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: ALASKA USA FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
On XXXX XXXX was the day I became aware of being a victim of identity theft. On XXXX XXXX is when a certain individuals decided to take out a home loan with my social security number, which is stated in XXXX XXXX In addition, there's also a car loan under my SSN. However, I don't even own a car or house, for the past XXXX years lived in a XXXX XXXXXXXX XXXX Therefore, please block these ongoing loans from my credit reports pursuant to section 605B of the Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: AL
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:
Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXX XXXX AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown 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
Consumer complaint received 2016-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was an authorized user on my husband 's account. I called in on XX/XX/2016 and was removed from the account. However, the account is still showing up on my XXXX account number XXXX. I just want them to remove me as authorized user from my credit report. They are telling me because I am no longer an authorized user they can not discuss with me the reporting that they are doing on my credit report. My husband is XXXX military XXXX and I was told there are phones all over the world and that he can call in. I do not want information on his account, I simply want my own personal XXXX to reflect the current information that I am no longer an authorized user. They do not need any information on his to fix my credit reporting. I have called three times and have been hung up on each time I was told they would get me a number to their credit disputes team.

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 2022-04-21
Company: JPMORGAN CHASE & CO.
State: WI
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:
In violation of the Consumer Financial Protection Act, Chase did not affirmatively tell every customer about its hardship policy and offer any opportunity to put collection on hold for those impacted by the pandemic. In violation of the Fair Debt Collections Practices Act, Chase used the predatory debt collecting practices to email and send threatening calls and emails during the pandemic. Additionally, in violation of the Fair Credit Reporting Act, my XXXX XXXX XXXX XXXX reports different to all three bureaus ( XXXX, XXXX, XXXX ). My local branch of JP Morgan Chase Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI ( XXXX ) XXXX ) was routinely and unexpectedly closed several times from XXXX, 2020 - XXXX, 2020. 

I have asked Chase Bank to honor their commitment to customer satisfaction and remove the late payments on my credit bureau files under the CARES Act. Rather than being interested in ANY type of customer correspondence or offering any type of compassion, they simply reply with a detailed timeline of the most financially devastating time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
TransUnion provides an invalid address and zip code combination for receiving consumer disputes. Because the Postal Service will only deliver certified mail ( return receipt requested ) to an address and zip code combination recognized as valid in the USPS system, TransUnion 's failure to provide consumers with a proper address makes it impossible for consumers to obtain proof that they mailed dispute documentation to TransUnion. USPS refuses to deliver certified mail to the address TransUnion provides for consumer dispute documentation. 

TransUnion provides this address and zip code for disputes : TransUnion Consumer RelationsPO Box XXXX PA XXXX I attempted to mail a certified letter containing documentation relevant to my dispute, USPS refused. They said it was not a valid zip code and address. I reconfirmed the zip code and address with TransUnion. I also checked forums to see if other consumers were having this problem, and sure enough, it is being reported in various consumer complaint forums ( for example XXXX ). 

I called TransUnion to request a different zip code. I was told that the above address and zip code combination was correct. They told me if I was having problems with that zip code, I could fax the materials. I was given a list of XXXX items that had to be included in the fax, in order, or the fax would not be accepted. I was also told the fax number was often busy, and so I should attempt to fax my materials multiple times. 

I concluded that TransUnion was intentionally making it difficult for consumers to dispute items on their credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This is a complaint about an active loan with Navient. This loan was taken out in XXXX in the amount of {$25000.00} to attend XXXX, a now closed school that has defrauded students. Since their closure the students of XXXX XXXX, the department of education has created two programs to assist students affected, and any direct loans qualify for forgiveness. This is a private loan, so it has not been forgiven, even though the educational promise was proven fraud and was not fulfilled. The loan was serviced by Navient which then openly coerced the borrower into a repayment plan that never paid down any of the principal balance. The payments were resulting in an increase of the balance, bumping the amount owed to {$30000.00} by XXXX. This loan has been in 16 years of repayment with Navient and the amount currently owed is {$15000.00}. This should have been a standard student loan with fair repayment options. This loan should qualify for a forgiveness program. The deceitful practices of lending and unfair repayment options have destroyed the borrowers credit, and have kept them relating a student loan for decades that they never received the educational benefit of. The borrower has effectively paid tens of thousands of dollars over 16 years for nothing but the profit and benefit of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MO
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 with the Fair Credit Reporting act XXXX XXXX XXXX MISSOURI XXXX, Chapter XXXX bankruptcy discharged XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, To expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to a XXXX agency/company which sense it to the all XXXX credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
At XXXX XXXX I received multiple emails indicating a Bank of America XXXX XXXX Banking Account was applied for : Confirmation number : XXXX On XX/XX/2022, I continued to receive notifications from XXXX XXXX - XXXX XXXX that the account was opened and the contact email was changed. 

Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX I was enrolled in online banking as well. 

XXXX XXXX BANKING ending in XXXX Your address or phone number, for one or multiple accounts, was changed on XX/XX/2022. 

I did not open this account and did not have any knowledge of this account being opened until I received the emails. I do not want this account or authorize it's opening.

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 2016-11-04
Company: ALLY FINANCIAL INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Ally Financial repossessed my vehicle on XXXX XXXX, 2016, unlawfully according to the XXXX of Virginia Law Code : Chapter 22, 6.2-2217. The vehicle that was repossessed was eventually sold by Ally Financial and after receiving a letter from them requesting payment for the deficiency, I responded with a request asking for proof of documentation including titling regarding the sale of vehicle, notice of default and notice of acceleration as is required by law under the XXXX of Virginia. I requested for any attempts to collect on this debt and any negative reporting to the credit reporting agencies be stopped until debt could be verified. Ally Financial responded with nothing but the same letter of how the deficiency was calculated and no other documents proving the repossession was lawful. However, Ally Financial continues to attempt collections as well as continued negative reporting to the credit reporting agencies. I have had two collection agencies in less than a year attempt to collect on this debt.

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 2022-04-21
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX FAX : XXXX Transunion : XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT ; PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX Once again this is not a request to investigate, but to update. So I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, 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 2022-04-21
Company: EQUIFAX, INC.
State: FL
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 with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone opened credit cards in my name. They are delinquent and I have canceled them but they dropped my credit substantially and the credit report does n't reference fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a letter from CAPITAL ONE AUTO FINANCE with the threat of repossession for the amount of XXXX, XXXX with the last day for payment of XXXX. A tender of payment according to UCC 3-603 was sent to CAPITAL ONE FINANCE on XXXX for the amount of XXXX, XXXX, XXXX. It was received at XXXX am on XX/XX/2022 picked up by a individual, at the postal facility. Speaking to XXXX XXXX ID XXXX from the office of the president on XX/XX/2022 at XXXX stated to me that CAPITAL ONE follows all USC AND UCC CODES. Today upon XXXX, XXXX  upon speaking to CAPITAL ONE AUTO FINANCE it was said to me that they had not received my tender of payment yet.

Company response to consumer: Closed with explanation