BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Paid/satisfied judgment was investigated and deleted about XXXX years ago but reinserted XXXX months ago. Several attempts have been made to correct situation. I was told by Equifax that I needed an attorney to be given proof of previous investigation records that reflect claim. I have spoken with several employees of company that informed me they were all supervisors and there in no higher point of escalation. 

There have been trade lines deleted from my credit report with perfect payment history which has subsequently lowered my credit score. XXXX has opened their own investigation to determine why this has occurred. 

My XX/XX/XXXX XXXX XXXX XXXX care loan with excellent payment history has been marked " not reported '' for duration of loan. The loan has perfect payment history and was paid in full. This is affecting my credit score. 

I have paid off XXXX car loans with XXXX credit union since XXXX and the report only reflects XXXX car loan. 

All of my student loans have been marked as payments " not reported '' for the entire XXXX month history after speaking with XXXX XXXX approximately XXXX weeks ago. I spoke with XXXX XXXX XXXX days ago and was informed that the items would be investigated but they are not reflecting investigation status on my report and I have been blocked from online disputing. 

Many of my revolving accounts are reflecting inaccurate payment history. The payment history was deleted and marked as " no history available '' XXXX hours after speaking with XXXX XXXX. 

It would appear that I am disputing inaccuracies with this credit bureau every other week and my credit score fluctuates XXXX-XXXX points from week to week and has rendered my creditors unable to make lending decisions. I am constantly disputing old information that should not be reflected on my credit report. Each time I am told to open a new dispute and wait an additional XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
1. Dealer 's APR calculations appear to be understated. Interest is computed on a daily basis for an auto loan but 2. The contract appears deceptive because it is called a GMAC ( ALLY ) Flexible Finance Plan but there is no flexibility offered to the borrowers. 
3. An investigation will show that the car dealer, XXXX XXXX, processed one contract at the requested simple interest rate and then deceptively said a " mistake '' was made after my signing and another contract needed to be printed but the second contract 's interest rate was based on a daily computation rather than simple annual interest. 
4. In retrospect, I believe I was charged an unfair and highly marked-up interest rate because I am XXXX, especially because of the consent agreement Ally entered into with the federal government.

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 2023-03-14
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My father XXXX XXXX and I pay this loan, and are co-signers. Just recently AES filed a report to all my credit agencies saying Im delinquent after NO attempt to collect or communicate with us. Our balance says {$0.00}. We have called them repeatedly in the past because this keeps happening. When they did this last year, it affected my mortgage interest rate when I was buying a house. They have given us absurd excuses in the past. It has been going on for years. I am so fed up and demoralized. I dont understand why they report to agencies when our balance is {$0.00}, or why they cant explain it on the phone, or why they are serial offenders. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company is continuing to request payment for accounts that I do not owe on. {$120.00} from XXXX on XXXX XXXX, XXXX on behalf of XXXX 
Also : {$810.00} from : XXXX XXXX on XXXX XXXX, XXXX on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TransUnion. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TransUnion and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with TransUnion. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.

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 2015-11-12
Company: ALLY FINANCIAL INC.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/15, I initated an on line bill payment with Ally Bank for {$260.00} to XXXX XXXX , XXXX ( XXXX ) to an address in XXXX, XXXX. On XX/XX/XXXX, I was advised by XXXX that my payment had not been received. Upon further investigation, it was found that my payment was directed to XXXX XXXX , XXXX ( XXXX ) in XXXX, XXXX. These are XXXX different companies. After multiple telephone conversations with Ally, they advised me that they have done all they could and as far as they were concerned the payment was made correctly. I even had a conference call with Ally, XXXX and myself where the employee for XXXX advised the Ally employee that my account had not been credited and they paid the wrong company, XXXX. 

Ally Bank uses a 3rd party to process their on line bill payments. Effective XXXX/XXXX/15, Ally replaced the 3rd party processor that mishandled my payment with a different company. The supervisor insisted that XXXX must have supplied the 3rd party processor with the wrong routing and transit number. Seriously? That 's their story? They also insist that they are unable to retrieve the payment from XXXX. Had this been a debit or credit card, I would have been able to dispute the transaction, provisionsal credit would have been issued and Ally could initiate a recall of the ACH transaction. 

In brief, for an online bill pay I supply Ally Bank with recipient, address, account number and amount? I, the consumer, do not supply the routing and transit number. For their story to be believed, one has to accept the fact that someone at XXXX XXXX XXXX supplied the terminated 3rd party processor with the wrong routing and transit number. I would tend to believe the more likely scenario is someone at the terminated 3rd party provider bill pay service either looked up the wrong company, or input something incorrectly. 

Regardless, I have advised them that my directed payee did not receive payment and they are responsible for it 's completion. I provided correct information. I made no errors. Ally Bank is in clear violation of UCC 4A 301-305 for its ( or its contracted and terminated 3rd party provider ) actions. I have lost {$260.00} due to their errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX I ordered my credit report and I had no inquires on my report, and today I looked on my report and found that all previous inquires are back on my report and that made my score drop

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
As a first-time home buyer in XXXX, Wells Fargo advised me to take a balloon mortgage as a second mortgage instead of PMI. I did not understand what a balloon mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. They also said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages, or they no longer offer them and were unable to help me. I even had one lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I also requested an amortization schedule in which they showed my mortgage as a conventional loan ( see attached ). Then they said that the amortization schedule was an error and they made a mistake. Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : XXXX XXXX Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} Balance today : {$37000.00} The balloon mortgage has now reached its maturity and I am unable to pay the balance and I can not afford to refinance and pay this off. This has been very frustrating and a huge financial burden on my life. Balloon mortgage loans should be forgiven for first-time home buyers and illegal in general. 
1. In XXXX of XXXX, Wells Fargo representative said I could refinance the second mortgage into a single mortgage in a few years and that is what most people do. As a first time home buyer, I did not know better and took their advice. Wells Fargo records all phone calls, I would like to obtain the recordings and transcripts from XXXX and XXXX of XXXX. Please provide. 2. In XXXX of XXXX, the Wells Fargo representative also described the loan as a credit card. At that time, I was in the habit of paying off my credit card balances every month. I understood the loan to be a simple loan. Again, Wells Fargo records all phone calls and I would like to obtain recordings and transcripts from XXXX and XXXX of 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 monetary relief
Consumer complaint received 2016-06-16
Company: ALLY FINANCIAL INC.
State: RI
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ally auto has continually sent letters, each time with a different amount that I supposedly never paid for a leased car that I had. I have had XXXX other leases with them, which I assume I would n't have been approved for if I owed them money. Anytime I contact them to ask for whatever records they have for this debt I am told that they do n't have access to them because it was so far back. I really think they are just scam artists.

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 2017-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was not able to get a copy of my Experian or XXXX report online. 
There are errors on these reports that need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Released tax lien from XXXX County Register of Deeds filed XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX and XXXX County Register of Deeds file XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX. I relocated out of the XXXX on XXXX/XXXX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time Equifax, XXXX and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2015-09-29
Company: CITIBANK, N.A.
State: CT
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
I received a Citi bank Visa pre paid visa card as a rebate from XXXX XXXX. The card had an extremely short expiration date of 6 months. The funds in the account were removed once past the expiration date. Per Federal Regulations I believe the card should not have had an expriation date under 5 years. I have contacted Citi bank who refuses to re instate the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX HAS ME REPORTED TO XXXX & EQUIFAX AS HAVING A NEGATIVE ACCOUNT?? I CLOSED THE CREDIT CARD A COUPLE YEARS BACK DUE TO NOT WANTING TO PAY THE YEARLY FEE. THE NEXT THING I KNOW, THAT REPORTED ME AS HAVING A MISSED PAYMENT WHICH I NEVER DID. AND I GOT IT REMOVED BEFORE. AND NOW IT 'S BACK ON MY CREDIT REPORT AGAIN?!? AND THIS TIME IT HAS 2 MONTHS AS LATE AND THE MONTHS ARE EVEN REPORTING DIFFERENT.?!!? 
AND THEY HAVE BEEN RUNNING INQUIRIES ON ME AND I DONT EVEN HAVE AN ACCOUNT WITH THEM ANYMORE!!!?!? 

THEY CA N'T DO THIS. IT 'S HIGHLY ILLEGAL. AND IM GOING TO SUE AT THIS POINT. THIS IS RIDICULOUS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Other

Complaint:
There are XXXX issues with my Chase Mastercard. 
There were a series of non requested upgrading of my card that resulted in charges and eventually fines for a service I did not requested. This affected my credit rating. 
From XX/XX/XXXX to XX/XX/XXXX I had monthly non authorized charges for purchases I did not make, and my account was penalized for overdrawn because I did not pay this illegal charges. Eventually Chase Mastercard made some refunds but they immediately withdrawn supposedly to pay new purchases from the same company whose charges were not authorized. 
As result of this illegal practice I was reported to the credit bureau and received a bad score that seriously affected my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.

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 2016-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion, XXXX and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on Transunion it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, Transunion, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting

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