BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: ALLY FINANCIAL 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:
On XX/XX/, I spoke with XXXX from Ally Financial. I was informed my vehicle was in repossession status and I had three options. XXXX. To refinance my loan XXXX. Sell the vehicle XXXX. Allow Ally to repossess the vechicle. I knew with allowing Ally to repossess the Vehicle that my credit score would be severely impacted. So, I applied to refinance my loan which due to covid and the lack of work, my credit score was not in any shape for refinancing. Extremely overwhelmed, I called Ally back the next day to work out a settlement deal that was more feasible for me. I only owed XXXX XXXX  on my vehicle and knew there could be a payoff request I could make. Ally offered to drop the amount to {$9300.00} and once payment was received by Ally, Ally agreed to settled the account. Ally also agreed to send me a letter for the credit bureaus noting the account was paid in full, the account was in good standing and to remove any negative impact in which the account currently had off my credit reports. I received the letter from Ally dated XX/XX/XXXX XXXX XXXX which did not state the removal from my credit report. The letter I received stated nothing close to what was agreed upon. Ally received my payment as promised and failed to comply with their agreement. Due to Ally failing to comply with the agreement, it has been detrimental to my livelihood, causing me enormous levels of stress due to my credit report having such a large delinquent on it from Ally. I have made several attempts to resolve this matter with Ally but to no avail has it been rectified. Ally received payment as promise once we agreed to settle.

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 2021-10-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 140 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
We submitted the document to the courts and institutions but they did not remove the bankruptcy.

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 2018-06-16
Company: SUN LOAN COMPANY 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:
I mailed this company a letter requesting loan information they are showing as an obligation of mine, but never received a response I want all account information to verify validity of the debt reported.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/ I sent a letter by certified mail to XXXX & Experian with a copy of my social security card, driver 's license & a utility bill proving to them that they have been incorrectly reporting my personal information. Also, there are incorrect phone numbers listed as well. The U.S. Postal Service showed that the mail was delivered and received by XXXX & Experian since it was sent by certified mail. XXXX is reporting my name as XXXX XXXX. However, my social security card & driver 's license reports my name as XXXX XXXX XXXX. XXXX is violating my rights. This is my only name so it should only be reported as XXXX XXXX XXXX. Also, my only phone number is XXXX. XXXX is reporting XXXX. XXXX is violating my rights since they are reporting incorrect information. Experian is also reporting my name as XXXX XXXX and XXXX XXXX XXXX. They are violating my rights since they are incorrectly reporting my personal information. I have only one name which is XXXX XXXX XXXX. Experian is also reporting incorrect phone numbers. I only have one phone number which is XXXX. Experian is reporting XXXX & XXXX. It has been 30 days and I have not received a response from either Credit Reporting Agency, so this is another violation.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
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, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-05-13
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I logged into Synchrony 's website to check account balance and make a payment. Upon login I was presented with a prompt stating that my account had " incomplete information. '' There was only 1 available option to click so I did- which led me to review the information for my account. On the second page I see a prompt stating that my income is not updated. At that point my only option is to update my income or abandon the website. There was no option to update income later, or skip this step. 

This is NOT legal. Synchrony does not need my income for any purpose other than providing a credit line increase. My account is current - I have never had a late payment. 

This marketing gimmick prevents me from accessing my account unless I provide personal information which is not needed for account servicing and only used for additional marketing of products ( i.e., a credit line increase ). 

There is NO reason to block my account access. This is a text-book method of attempting to provide a service that the customer did not ask for- while simultaneously prohibiting access to my account which could result in a late payment. etc. 

This is Illegal Note in the screenshots below that Synchrony states and update is " REQUIRED '' in red menacing font. Once the customer chooses to see what they must update another prompt states that income is required. There is no other option.

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 2023-06-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Consider this as my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX Reference # : XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received my child tax yesterday on my chase card. I try to get money for car and I can't access it. My sister accidentally pressed the fraud column on a transfer we already did I think it was XX/XX/XXXX but I was told I can't take her to the bank and withdraw the claim I don't believe or understand how or why she can't do it inside the bank instead of waiting for fax to be received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Rocky Mountain Capital Management
State: NC
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:
These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether. 
I have sent validation letters to all XXXX bureaus. XXXXXX/XX/XXXX I have disputed them multiple times, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX : mobile deposit of {$14000.00} ; {$1500.00} of that was available, with notice that Remainder would be available on XX/XX/XXXX. 
XXXX : Issuing bank XXXX XXXX XXXX released funds to my bank USAA XX/XX/XXXX : spoke with USAA to request funds be made available since the check was funded. USAA acknowledged check was funded and advised that a previous NSF fee gave them the legal right to hold my funds until XX/XX/XXXX. 
XX/XX/XXXX : XXXX - received email stating funds previously on hold are now available. XXXX - account information shows : current balance {$13000.00} hold balance : {$14000.00} = ( {$1400.00} ) balance. XXXX - Spoke to USAA ; was advised the funds would be made available XX/XX/XXXX & hung up on. XXXX : usaa verbally advised that check return was initiated by back office personnel on XX/XX/XXXX, but they could not provide any official documentation to support this. 
XXXX : check issuer spoke with XXXX  who denies requesting the item he returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Grain Technology, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When linking an ACH to my Grain.credit account, then wanted to change it so I can make sure my payments are going through. The support staff fail to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX this inquires are fraudulent obtain by someone who stolen my identity 'to obtain credit, improper use of 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 2020-09-25
Company: FORD MOTOR CREDIT CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I first called into Ford Credit on XX/XX/2020 about extra fees being past due on my account. I keep getting the run a way. They keep saying theyre working on the account, but updating it incorrectly. They updated my account as 90 days past due for the last two years payment history. I want this entire account deleted immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I AM STILL TRYING TO GET MY ASSETS OUT OF ROBINHOOD. THEY ARE STILL IGNORING ALL SUPPORT REQUESTS. FULL ACAT TRANSFER FAILS BECAUSE XXXX IS FRAUDULENTLY REPORTING CRYPTO ASSETS AS BROKERAGE ACCOUNT ASSETS. THIS IS RIDICULOUS AS CRYPTO ASSETS CAN NOT BE TRANSFERED OVER USD RAILS. CRYPTO ASSETS ONLY EXIST IN CRYPTO WALLETS AND ARE HELD BY A SEPARATE THAN THE BROKERAGE ACCOUNT LEGAL ENTITY THAT IS NOT FINRA LICENCED. THIS IS EVIDENCE THAT XXXX HAS COMMINGLED USER FUNDS, AND THE FACT THAT THEY ELECTED TO " END SUPPORT '' FOR MY ACCOUNT RIGHT AS IT IS TIME FOR THEM TO COVER THE SHORT POSITION THEY INITIATED AGAINST ME ( USING MY CAPITAL THAT THEY DEFAULTED ON ), AND THEN THEY ATTEMPTED TO COVER UP THE WRONGDOING IS GROUNDS FOR A CRIMINAL INVESTIGATION! IF YOU SELL ANY OF MY ASSETS IT IS FRAUD AS YOU ARE CLOSING OUT YOUR SHORT BY ENDING YOUR LIABILITY TO ME AT A FRAUDULENT PRICE THAT YOU MANIPULATED. I DO NOT WANT USD. YOU MUST HONOR MY POSITIONS, AND PAY ME THE XXXX THAT YOU DEFRAUDED ME OF. I WILL NOT ACCEPT ANY CHECK OR ANY USD SPOT PRICE ON ANY XXXX  DERIVATIVE INCLUDING XXXX XXXX AS IT IS FRAUDULENT. TRANSFER THE ASSETS OUT TO XXXX IMMEDIATELY! I DO NOT WANT YOU TO CUSTODY ANY OF MY ASSETS! AGAIN, THE SPOT PRICES ARE FRAUDULENT AND YOU ARE LIABLE IF YOU SELL ANYTHING AT THE FRAUDULENT PRICES. THEY ARE OFF BY MORE THAN AN ORDER OF MAGNITUDE DUE TO THE FRAUD. NEARLY 8 % OF ROBINHOOD SHARES WHERE PURCHASED WITH FUNDS EMBEZZLED FROM CREDITORS LIKE ME. ROBINHOOD OUGHT TO BE IN LIQUIDATION RIGHT NOW BUT THEY ARE BEING PROTECTED VIA THE FRAUDULENT BLOCKFI BANKRUPTCY TRIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi there, Wells Fargo will not allow my PMI to cancel stating that 'their valuation based on public records ' shows my home value went down by $ XXXX. There is no way my home value decreased. I received a letter dated XX/XX/XXXX. I called Wells Fargo today, XX/XX/XXXX and the call representative re-read the letter to me. When I tried to ask what the public records were he said " similar homes '' with no detail. The letter states my only options are to 1. pay the difference ( XXXX ), 2. wait for my home value to increase and continue paying PMI, 3. document significant improvements made ( I didn't make any ), 4. pay {$150.00} for another valuation. 

I refuse to pay extra money to cancel my PMI when the real estate market here continues to be competitive and comps in my area are XXXX more than what I paid. 
Can you help? 
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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX Hello, TransUnion LLC Consumer Dispute Center XXXX, XXXX XXXX My name is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I am writing to dispute the following information that appears on my TransUnion LLC consumer report : I never reside at the following address below and would like to have this immediately removed from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I also noticed that the following inquiries below were made without my direct knowledge and consent, and I dont recognize the companies listed below in question. I request that those entries to be removed from my credit report profile immediate. This is a direct violation of 15 USC 1681, from the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ALL INFORMATION LISTED ABOVE BECAUSE IT IS A DIRECT VIOLATION ON THE ITEMS LISTED UNDERNEATH : 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports. 


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 explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. account number # XXXX. XXXX XXXX account number : XXXXXXXX XXXX account number :XXXXXXXX. XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number # XXXX XXXX XXXXXXXX XXXX, XXXX. account number # XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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