BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I happened to take a look at my Transunion credit report and noticed that there was an open collection from XXXX XXXX for a balance of {$760.00}. I tried contacting them but the number they have listed on my credit report is a non working number. It states that account was opened XX/XX/2010 with XXXX. I NEVER opened an account with XXXX XX/XX/2010. XX/XX/2010 I was training with XXXX XXXX and it would have been impossible to open any accounts then. There was also a fraud alert placed on my credit report because there were items popping up that I have no details about. I would like this taken off my credit report because it does not belong to me. XXXX also has no knowledge of any account being opened by me XX/XX/2010. It also states that I was making payments and I am making no such thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Loan # XXXX XXXX  Opened- XX/XX/2016 at XXXX XXXX in the amount of {$3500.00} Deposit in XXXX XXXX XXXX  Reference : XXXX XXXX and XXXX XXXX  I have no idea where this account came from. Please remove from my credit report.

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

Complaint:
I have filed multiple disputes and complaints with the XXXX  and XXXX dispute department. I informed them that this account was opened fraudulently and they have yet to remove this account from my credit file. I was informed that this account is accurate and belongs to me but have yet to receive any proof. 
I need this account removed and blocked permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: ALLY FINANCIAL INC.
State: MI
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:
Ally financial is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with XXXX  several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted ally financial and XXXX XXXX XXXX who represents ally financial!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The final quarter that I attended XXXX University was XX/XX/XXXX - XX/XX/XXXX. I officially withdrew from the university on XX/XX/XXXX and transferred to XXXX effective XX/XX/XXXX for a XX/XX/XXXX start date ( see attached ). While attending XXXX all of my tuition was paid directly to the institution from XXXX. Although I was no longer enrolled at XXXX for the XX/XX/XXXX session I received a bill for {$6700.00}. I notified them on XX/XX/XXXX that I had withdrawn and was attending another college and was told they would research my account and get back to me. After receiving no correspondence for over 6 months, on XX/XX/XXXX I received another bill for {$6700.00} for XX/XX/XXXX and I responded to them in writing ( see attached ). On XX/XX/XXXX I received and email " demand for payment '' ( see attached ). I then decided to contact XXXX and they confirmed that XXXX had received direct payments from them to cover my tuition while I was in attendance. I continued to try and resolve this issue to no avail and received several notices from XXXX XXXX XXXX stating that my account had been turn over to them and I owed XXXX {$8400.00} for the unpaid tuition for XX/XX/XXXX which was a completely different amount than the bills I received from XXXX for {$6700.00}. I am disputing this because I transferred to XXXX in XXXX and was not enrolled during the XX/XX/XXXX that I am being charged for, and according to XXXX, all of my tuition was paid directly to the institution while I was enrolled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I applied for a mortgage in XX/XX/XXXX and my credit report returned with one negative entry ( please see Signed Consumer Explanation Letter ). This negative entry is from Navient for an account ending in XXXX. The account in question was charged off in XX/XX/XXXX with the amount owed listed as {$100.00}. When I called Navient regarding settling the charged off account, their representative informed me that they show a balance higher than what is being reported to XXXX, XXXX, and XXXX. 

Per my recollection and records, I have only had the one account with Navient for a private student loan totaling {$500.00}. I borrowed the {$500.00} my last semester of college in XX/XX/XXXX because I no longer qualified for public student loans. I did not take out any additional student loans after this date. The last payment I have record of is from XX/XX/XXXX ( please see Emails from Navient ). On XX/XX/XXXX I was informed that my next payment would be due XX/XX/XXXX ( see Emails from Navient ). I received an email on XX/XX/XXXX reiterating this information with the amount due listed as {$3.00} ( see Emails from Navient ). When Sallie Mae transitioned to Navient, I was informed on XX/XX/XXXX that nothing about my account would change ( see Emails from Navient ). However, on XX/XX/XXXX I was sent an email from Navient indicating that the billing date for the account ending XXXX would be due on XX/XX/XXXX ( see Emails from Navient ). Unaware of the change, I proceeded as if the prior agreement was still in effect. The end result is reflected on my credit report. 

I have only received communication from Navient regarding the account ending in XXXX. All my student loans with balances over {$500.00} were consolidated prior to XXXX and are now serviced by the U.S. Department of Education. I do not take any responsibility whatsoever for any debt not listed on my credit report. Additionally, I may have previously challenged Navient on their credit reporting and erroneous accounts were removed. I am now attempting to settle the charged off debt of {$100.00} for the account ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transunion is using false information and representation to get you to log into your account and pay. They are not proving consumer 's with a way to dispute your personal information without making a payment. This is illegal.

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 2016-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To Whom It May Concern : Tranunion did not provided the results of my late payment investigation with my Student loan Account : XXXX SS # XXXX Late payment in XXXX 2014 XXXX have intensely fraudulently remove my forbearance date and reporting 90 days late to credit bureau. In XXXX 2014, XXXX, backdated forbearance date. XXXX they removed it than reported late in credit bureau and than backdated forbearance date. 
XXXX or Tran union should not report to late payment. I paid as agreed upon forbearance XXXX Why Transunion did not provided response from XXXX? 
Transunion are not responsive

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 2016-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion refused to block the fraudulent accounts that are on my credit report. 

Every account that was taken off of my credit report was reinserted back on to my credit file with Transunion. I wrote Transunion and sent them a copy of the police report and they still refused to remove the accounts that were fraudulent 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 2020-12-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
i would rather discuss that over the phone or in person. if that is ok. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/XXXX Complaint Department TransUnion Consumer Relations XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that XXXX have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have XXXX single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: ALLY FINANCIAL INC.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan for my car through Ally. I was current on my payments through XXXX and even have copies of my statements indicating a balance of zero ( {$0.00} ). When I went to make my XXXX payment, Ally claimed I had a {$260.00} late charge. However, no payments were late and all paper/electronic documentation indicates that I had a {$0.00} balance in XXXX with no late fees or penalties. I have called Ally several times and tried to speak with a supervisor or manager. They can not explain where this charge came from, but refuse to remove it. After my third call to Ally with no resolution, I am filing a complaint with the CFPB in hopes of getting this issue resolved. I have attached pictures of my XXXX and XXXX statements and of my transaction history. I have had several issues in the past with Ally taking money from my bank account without authorization and had to go so far as deleting my banking information and sending in money orders to make payments.

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 2021-02-19
Company: Colony Brands, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Swiss Colony/XXXX XXXX state that they, Swiss Colony, report to the three credit bureaus. I have in my hand a copy of a XXXX credit file ; Swiss Colony nor XXXX XXXX accounts are reflected in the credit file. Swiss Colony previously stated to CFPB that they are reporting Swiss Colony/XXXX XXXX accounts to the credit bureaus. 
My Swiss Colony/XXXX XXXX accounts are not being reported to the three major credit bureaus. 
Accounts are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: TN
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:
All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, TN ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a emergency room   visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an emergency room visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have killed my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: BBVA FINANCIAL CORPORATION
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:
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so  disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX Experian sent me a investigation results stating they verified bankruptcies under my name with XXXX, However I sent Experian a report from XXXX that they are not reporting or showing any bankruptcies under my name. Experian continues to lie about reinvestigating my dispute. on XXXX XXXX I sent Experian a police report and my FTC fraud claim showing that those bankruptcies do not belong to me and is FRAUD. on XXXX XXXX they sends a letter saying they will remain as of they XX/XX/2020 investigation. Per law they are to investigate whenever new information is provided and they failed and ignored my request and ignored my police report. I am also sending copies of this and letter to attorney general. Experian is trying to deny my right to dispute. Experian will not remove the false information on my report. Experian replied and stated it was still verified without sending me any documentation or proof of an actual investigation. Only thing they sent was an investigation from XXXX still remains and did not accept my new information for the dispute I sent in XXXX with new information and POLICE REPORT. 

I know per the FCRA I have to give them 30 days to correct a known mistake within my credit file and at this point they have been granted that time, this is a formal notification that I plan on filing a complaint with the Attorney General, and XXXX against Experian company if this bankruptcies is not deleted from my credit report IMMEDIATELY! 

US BKPT CT  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Ad Astra Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD Astra Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a revolving credit account with XXXX XXXX My payment is set up on autopay where they take it directly from my Bank Account . Once a year they for no reason stop withdrawing the payment and do not notify the consumer. They then report it as a late pay to the credit reporting agencies. XXXX is a company that extends credit to people with low credit scores. I believe they use this practice to keep your scores low so that you must purchase from them. I contacted them about the issue they refused to resolve it or let me speak to a supervisor. I also disputed it with all XXXX major reporting agencies who did nothing.

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 2016-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been divorced since XX/XX/2007 and it appears on my credit report that my ex husband is my spouse or my co-applicant. I have attach my divorce decree.

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