BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Last year we had an issue with Transunion not updating loan information. I disputed it and finally had to file a complaint with Consumer Finance. The issue was corrected, however, it is a joint account and we have noticed that the information did not get corrected on my husband 's Transunion report. I 've contacted both, Transunion as well as the bank. Transunion stated that they did n't change information on reports and the bank stated that the information being reported correctly on mine is the same information being reported on my husband 's 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 2017-03-19
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Numerous items such as bankruptcy and late payments more than seven years old are still appearing. All student loans are in a deferment status pending complete discharge, and I never lived at the  XXXX  address. Lastly, my identity has been stolen with reports filed with the local police department, the FTC,  Social Security Administration  and authorities in  XXXX , California. Please clear up these issues immediately and notify me upon its conclusion. A copy of this document is being forwarded to the FTC.

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 2016-02-23
Company: Receivables Management Partners, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a notice from DSG Collect, dated XXXX XXXX, XXXX, notifying me that they were attempting to collect a debt. In response to their letter and repeated auto-dialer calls to my cellular telephone, I sent a letter, dated XXXX XXXX, XXXX, instructing DSG to stop all communication. The letter was mailed to DSG Collect, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, which was the address clearly listed on their collection letter. Tonight, XXXX XXXX, XXXX, I received a missed call and voicemail on my cellular telephone from " XXXX, '' advising me that he was calling on behalf of DSG Collect and that this was an attempt to collect a debt. This company has already violated the XXXX by using an auto-dialer to call my cellular telephone. Now, they have violated the FDCPA by contacting me by telephone after I sent a written cease and desist request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: ALLY FINANCIAL INC.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I co signed a car loan with my husband XXXX XXXX. He died XXXX XXXX they had repossessed the vehicle XXXX XXXX we both get a cancellation of that for XXXX that 's what we owed on the vehicle. if we were to file that it would be XXXX. i thought they were supposed to sell the vehicle and we would be responsible for the remaining balance, i sent XXXX of the XXXX 's but i could n't find the other XXXX in the same amount to 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 2016-10-29
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:
I have disputed the information to Trans Union and have requested the method of verification and Trans Union has never submitted the information regarding how and whom they spoke with to determine how the inaccurate / erroneous information was verified. I understand that they had 15 days to verify stating that I made a last payment XX/XX/XXXX Trans Union has verified this inaccurate / erroneous information and then have ignored my requests for the method of verification as provided under the Fair Credit Reaporting Act.This inaccurate INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY..

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 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am writing as a last ditch effort to gain some assistance and hopefully you will be receptive to my issue. I am in the process of purchasing my first home. I have a serious barrier that I am facing which are XXXX Paid/Release Georgia State Income Tax Liens on my credit report. When I first received these liens I was XXXX years old and going through a divorce which caused me to suffer financially as I was also attending XXXX at XXXX XXXX at the time, while working full-time as well. Since then I have been working hard by myself to repair the damage this divorce caused me so that I can purchase my first home on my own. Georgia, unlike the IRS XXXX XXXX Program and several other state agencies, does not have a process for withdrawing paid state tax liens from individuals credit and will also not withdraw/expunge the paid tax liens based off goodwill. Rather, even though they are paid and uncontested, they remain punitive towards myself. Even though I am a first time home-buyer, due to my single status with no children and my income I am ineligible for any down payment assistance programs. So any help to improve my credit score is extremely appreciated so that I can qualify for a good mortgage program with my credit union and receive a good interest rate. I am writing in hopes that your office can help me along with other individuals who face this same issue. Georgia State Tax lien laws are very archaic in nature and really need to be reviewed. I have taken this up with several state agencies in Georgia along with my local representative who never responded to me. Paid tax liens should not continue to be punitive in nature as so many thing rely on credit these days and circumstances vary extensively. I thank you in advance for your time. Below I have provided the Book numbers for the tax liens I am referring to. Also attached showing they are reporting on all three of the major credit bureaus and the paid and released tax liens. 

XXXX has already agreed to and completely removed these items from my credit report ( seen attached from my most recent credit report. ) 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 2022-10-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I gave birth XX/XX/2020, while I was on maternity leave my mother asked me to help her get a new car with my credit since she had bad credit. She and the saleswoman XXXX XXXX with XXXX XXXX XXXX XXXX drove to my house to have me sign the contract ; when I asked why my name was listed as primary the saleswoman had the nerve to lie to me and said that the order of the names would not matter. Months later, my mother ran a red light and keeps driving through tolls in XXXX XXXX that all billed under MY NAME. XXXX and FL XXXX were not helpful at all even when I told them she's also listed on the title, they only care to list the first person. Meanwhile I don't even possess or drive the car, I have my own! I attempted to resolve my issue through a different agency but all the dealership did was send ONE PAGE of the contract. Even though the dealership listed me as primary owner they never once bothered to personally follow up with me they only checked in with my mother. If you asked them for the full documentation you will see she is the one requesting to purchase the vehicle and the one requesting the addons, so why did they make me primary if she is the one authorizing everything else on the purchase including her own trade in? In fact, if this were my vehicle don't you think I would have gone to a dealer close to home since I just gave birth, not XXXX XXXX where my mother lives? My relationship with my mother is a different story, yes I have asked her to take my stepdad 's car on their trips but they keep taking the toll lanes under my name. I do not have access to the Ally Auto login for this vehicle, since my mother is the one paying on the vehicle only she does. She drives it and pays for it, so I think it should primarily be in her name if I'm just being used for my credit.

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 2016-05-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and fraud accounts was open in my name I never authorized nor gave permission or had any knowledge of also my XXXX account was ran up with charges I did n't authorized nor had knowledge of and XXXX card. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and charges from XXXX XXXX XXXX XXXX. I 've always kept this account in good standard now there are charges I never authorized.

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 2023-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid for the automation XXXX XXXX  on XXXX. I did not receive anything. I asked for a refund multiple times from my bank but I didn't get anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Upgrade, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Upgrade an subsidiary of XXXXXXXX XXXX XXXX XXXX limited my account to evertime I make a payment they reduce my credit limit to that amount so my credit file will show I'm always at my limit. They are trying to mess my credit report up. I sent them emails telling them about themselves and to close my account and lower my interest rate that they increased for no reason. So my account will show decreases without staying at my limit. They refused and still has it open. XXXX FCRA, I warned them plus I'm a 100 % XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1 ) XXXX credit card account : The account XXXX .... ( member no XXXX ) was PAID IN FULL IN XXXX 2013. You are still showing it as " CO ''. This is creating all the problem. Despite many requests and reminders, experian is not updating the status and I am loosing good credit card offer opportunities. 
XXXX sent a letter to experian also requesting them to correct the informaiton. I am enclosing that letter again. So please correct this account status. 

2 ) Also I have only XXXX shared credit card from XXXX for last XXXX years which is going good. But experian report shows so many accounts from XXXX with their status as lost/ stolen/ closed whoch IS WRONG.They are not correcting that too ( I have enclosed XXXX letter for that ) 3 ) The merged credit report shows a score of XXXX from experian but experian report shows a score of XXXX. My score should be XXXXThe experian report is completely messed up and not upto any professional standards. I have enjoyed good credit offers until now but experian report is wrongly reporting information and is stopping people to get good credit terms. I request you to investigate and do the needfulthanks in advance and please call me if you need any information you may need for the investigationXXXX XXXX ( XXXX ) XXXX XXXX XXXX, MA, XXXXcell no XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-04-09
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX Bank Student loan. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying XXXX dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed XXXX XXXX XXXX because it is a fraudulent account ; however it was not removed. I discovered this debt when viewing my credit reports. I went and filed a police report in which I am attaching the case number. I produced all of my documents. I am also attaching a copy of my mortgage document which shows my address of XXXX XXXX XXXX XXXX. Then I attached my property tax document which shows the time I resided at my current property, XXXX XXXX XXXX XXXX. I have never applied or received anything from XXXX XXXX XXXX at either XXXX of my residences. Also, when I contacted them none of the contact information was mine. I am asking you to delete this fraudulent debt from my credit report immediately and also please add the seven year extended fraud alert to 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 2022-10-26
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX, I filed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He took all my credit cards and made unauthorized charges. I left my home in XX/XX/XXXX. I am homeless and living in a XXXX XXXX XXXX XXXX XXXX. He stole my computer, changed all the passwords, and emptied our marital account. I have police reports to support this. He has my social security card and my passport, birth certificate and marriage certificate. I am in court proceedings against him due to his XXXX XXXX XXXX XXXX the XXXX XXXX  on XX/XX/XXXX. I froze my credit on 3 credit bureaus, called all my credit card companies to shut down and replace them. Citibank Sears, Citibank Best Buy, Citibank Bank, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, are all investigating but have refused to issue replacements and the fraudulent charges are still on my cards! Furthermore after not issuing replacements, the Citibank people are rude, nasty, and keep harassing me by phone and texts to collect on unauthorized charges, refuse to verify my identity, keep sending me letters, and refuse to help me recover my accounts. It is very frustrating to endure this financial terrorism at the hands of my credit card companies. Lastly, I have been proactively since XXXX called all my credit card companies to notify them of my identity theft but the aforementioned credit card companies have refused to even acknowledge my efforts to regain control of my identity, compromised emails, and compromised phone numbers. They are sending correspondence directly to the identity thief and abuser!!!!! Please help 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 non-monetary relief
Consumer complaint received 2016-03-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my home loan with Wells Fargo. I have been denied twice, the first denial was because too much income and the second was due to not enough. My son contributes money to our household which I had provided to Wells Fargo, they then declined my modification due to too much income. I reapplied without his contribution and was then denied for not enough income. My husband is XXXX, as with any business things get slow and we struggle just many other people. I am not able to work, I have XXXX and XXXX. I am XXXX that someone can help me save my home. I want to finish out my life here where we have made many memories and hope to make many more

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 2015-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Convenience checks

Complaint:
Wells Fargo is sending unsolicited XXXX '' - checks that draw from your credit card. In my opinion these are extremely confusing to customers to send out, and now disposing of these correctly has become my problem. 

Each check includes at least XXXX digits of my credit card number, and recovery of any check would be enough to deposit it electronically on my credit line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was able to pay/consolidate XXXX students loans from XXXX in XXXX 2015. The accounts should be marked as paid in XXXX of 2015. XXXX is reporting it as late/charged off in XXXX of 2015. I have included documentation as to what is showing on my credit report. I have worked with a XXXX XXXX a Senior Borrower Advocate XXXX. They have failed to get my credit report updated correctly to show that I was not late in XXXX 2015. If the loan was paid off in XXXX of 2015, it is impossible for me to be late. I am submitting documentation from Fedloan servicing to show that the accounts have been paid up via consolidation. I have spent countless hours contacting both XXXX and the credit bureaus yet my requests to have this updated to not reflect that the account was late in XXXX of 2015 have been ignored. This is severely impacting my credit and my ability to receive credit. Please assist me in getting my credit reports updated to show that I was not late in XXXX 2015 and to put into place proper measures that will prohibit both XXXX and the credit bureaus from leaving inaccurate information on American citizen consumer reports. I have enclosed supporting documentation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX 2014, I initiated disputes with Experian XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. SubsequentlyXXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts XXXX XXXX ) in total were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have re disputed these entries ; they still have chosen to do nothing. I am requesting for the third time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
credit agencies reporting outdated public records and not my accounts same information 3 times on file, remove all tax liens from file REF # XXXX, REF # XXXX, REF # 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