BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: CA
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:
My Experian report has some issues that are not apparently clear to me. 
I can not request my report from WWW.ANNUALCREDITREPORT.COM. Attached is the screenshot of the error I get when I try to do so. I have no problem getting my XXXX and XXXX  reports from the same website. Also When I try to do three bureau credit refresh, a feature in experian membership, it throws another error saying there is data mismatch between my experian and other reports. Also attaching the screenshot of that error. 
I have raised multiple complaints over the weeks and haven't gotten a resolution. Most of them who are probably under trained representatives don't even understand my issue. They keep offering to send me a physical copy of my report without trying to understand my issue and get me a resolution. One representative I spoke to sorta understood that the issue is with data and raised a ticket with the data team appropriately. I've come to lean that the ticket is closed without trying to resolve it.

I believe the whole issue started when one of the representative disputed wrong version of a name instead of the one I indicated. I have been having these issues since then. to be specific the issues started somewhere after XX/XX/, which is when I was able to successfully retrieve my experian report for the last time. I have been having these issues ever since.

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 2017-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Sometime in   XXXX   XXXX   XXXX    , I was informed of consolidating my loans through a company called  XXXX   XXXX   XXXX  via a radio ad.     My first interactions were with  XXXX   XXXX , a representative of that company. He stated that the repayment of my student loans could potentially be reduced to "  0 '' f or 240 months if my income fit that repayment plan that was being offered.     He requested information that included paystubs from the last 30 days of employment. I sent that information via email. His contact information is as follows- Email :  XXXX  XXXX  XXXX ,  XXXX  :  XXXX  or  XXXX  ex.  XXXX . He is an   XXXX   XXXX   who forwarded my information to another person named  XXXX   XXXX .      XXXX   XXXX , a student loan processor for the company, then requested the first  XXXX  pages of my tax return. His contact information is as  XXXX   XXXX  :  XXXX  Phone :  XXXX  -  XXXX  All of this information was forwarded between  XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  received my tax information on  XXXX .      XXXX   XXXX  was the next company that contractually binds me for services that could be offered for free. They have me paying back $  XXXX  for their loan that amounts to around {$1400.00}, which is payment to the  XXXX   XXXX  Loans for consolidating my federal student loans. They have all of my information, including my social security number.     Loan Hero can be reached at :     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX  La  XXXX , Ca  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 2023-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I leased a car with  Toyota Finacial Services.  I turned the car in   XXXX   XXXX  . I received a final bill for a lease turn in fee for  XXXX . I paid the  Bill  on  XX/XX/XXXX  for the amount of  XXXX . I heard nothing fromToyota until   XXXX   XXXX   XXXX  , when I received a collection Letter from   XXXX   XXXX   XXXX   XXXX  . I contacted Toyota and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  Toyota ret urned payment on   XXXX   XXXX   XXXX  . I sent another  Electronic payment to Toyota  on  XX/XX/XXXX . I called  Toyota to  verify payment where they forwarded me to  XXXX   XXXX   XXXX  on  XX/XX/XXXX .  XXXX   XXXX   XXXX  tried to Verify Payment with  Toyota Financial Services  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  4th pa ge shows the electronic payment made to  Toyota on    XX/XX/XXXX . The second file is a message from  XXXX  that sho ws Toyota sent  back payment. The third file is the payment made once again t o Toyota Finacial Services  on  XX/XX/XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  XXXX   XXXX   XXXX  by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an Ally Savings Account on XX/XX/2020. After going connecting my external XXXX XXXX XXXX Account and verifying the trial deposits, I was given the all clear to transfer funds between the two accounts on XX/XX/2020. 

On XX/XX/2020, through Ally bank, I initiated a transfer of {$9300.00} from my XXXX XXXX XXXX Account to my Ally Savings Account. XXXX XXXX shows the money was pulled from the account on XX/XX/2020. On XX/XX/2020, I noticed the money still has not showed up on my Ally account and my linked XXXX XXXX XXXX Account was suspended by Ally. 

On XX/XX/2020 I called Ally and spoke to a supervisor named XXXX to inquire about the issue and was told this was due to a name mismatch between the two accounts. I asked that the money be transferred back to my XXXX XXXX XXXX Account while I resolve this issue. Ally told me they have the funds but can not return the money due to an issue on their back end and that I would need to dispute this transfer with XXXX XXXX. I called XXXX XXXX and they told me they can not dispute a transaction that I authorized and since Ally is holding the money, it would be up the Ally to resolve this. 

I called Ally back but was given a runaround with no resolution. They are still holding {$9300.00} of my money

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 2023-05-01
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX We recently received the final payment from the Hardest Hit Fund for our mortgage. Since our financial situation has not changed due to me being diagnosed with a XXXX XXXX and my husband being off work due to having XXXX, we have been given conflicting information about a different program, similar to HHF, that assists with mortgage payments. 

We want to keep our home but it has become very difficult to make informed decisions when our mortgage company continues to give us completely inaccurate information or claim they dont have any information to provide at all. This is costing us valuable time in the race to save our home.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}

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 2018-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX? XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX Experian : 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 2023-08-07
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have found wrong information reported on my report : "   XXXX   XXXX   XXXX   - -  XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update

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 2017-05-11
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: Account status incorrect

Complaint:
There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/    OAG CHILD SU  - Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: On-Site Manager, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I became aware of  XXXX  credit accounts and the  XXXX  collection accounts associated with the original credit accounts in  XXXX    XXXX   when  On-Site.com ran a tenant screening on me. The accounts are the result of i dentity theft. I have filed a report with the Federal Trade Commission and my local police. I disputed the accounts with On-Site and supplied them with the reports from the FTC and the police.    On-Site r efuses to block or remove the fraudulent accounts. Additionally, they have not provided me with any proof of investigation into the matter on their end.  On-Site  continues to report inaccurate information. The accounts in question are   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX , and  XXXX . The collection accounts associated with the accounts are  XXXX   XXXX  x  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . These accounts are all the result of identity theft.   I have submitted disputes for all the accounts with On-Site o n 3  separate occasions. On-site has done nothing other than add my statement to their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX  of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX Capital One XXXX XXXX Coaf ( Capital One Auto Finance ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a carseat last  XXXX  at a Target store using my Redcard ( Target credit card ) for $  XXXX  did not get any statement in my mail box for a month then request to get it through email because i did not want to miss my payment date since i was going to travel abroad.Finally i called to make payment on  XXXX / XXXX / 2017  and told the customer representative that i could not pay online.Payment of the balance   XXXX   XXXX  was processed with no late fees since the due date was  XXXX  2017.I  was shocked to get an email in  XXXX  after 2 months stating that i have a balance of   XXXX   XXXX   I  thought it was a victim of fraud then i called the customer service and find out it was late  fees.The lady  i talked to did not listen to  me.She  told me to pay.I insisted it is an error that i was not notified to pay late fees which i would have payed and asked to close the account. I got another email a couple weeks ago with a balance of   XXXX   XXXX   I  decided to call again last monday to ask what is going on and the representative transferred me to her supervisor.I explained the situation that i called in  XXXX  when i got the email and he told me it is too late to wave the fees.Today balance is    XXXX   XXXX  .You c an check my credit history, i have discipline in my expenses and payments.   Please help me with that issue.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My payments were current until XX/XX/2023 at least that is what I thought after making my XXXX payment everything was showing that I was current and then a week ago I receive a statement saying that I was 2 months behind to my surprise and being told a few days ago without my knowledge that they had reversed my XX/XX/2023 payment to pay on my escrow payment and today they claim that my payment in only a year after being traded from my other lender that they have raised my payments 2 times by XXXX. But yet without my knowledge they reversed my XXXX payment and this has put me behind again and they won't me to allow me to make payments online because of their mistake. I have also reported the company to FHA. I am scared that they are trying to take my house away from me for their fraudulent acts. I have a XXXX XXXX  child and a XXXX 's XXXX. My mortgage is supposed to be a streamlined and fixed rate. 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 explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EQUIFAX has deleted a negative payment history twice and '' re-inserted twice '' on  XXXX   XXXX   XXXX   XXXX  SOLUTION WOULD BE TO DELETE THE ENTIRE ACCOUNT AS   XXXX   AND  XXXX  HAV E DONE.I never received any notice of re-insertion as the law proscribes.I have attached a secondary sou rce report of  XXXX  The last  time I sent this to equifax they removed the payment history in 3 days.It is getting tiresome to dispute this account over and over with Equifax.Please delete the account so the negative does n't reappear.RE-INSERTION without notice violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   XXXX   XXXX  filed a civil suit against me to collect a medical debt for  XXXX  with 6 % interest from  XXXX / XXXX /  XXXX  . And the courts made a default judgment and put a warrant out. i was never contacted and made aware of this case. My rights to be made aware of judgments against me and to defend myself was viloated not to mention the emberassment that resulted from this. My right as a consumer were completely violated by this company and their lawyers  XXXX  and  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 2023-10-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
After being a member with Wells Fargo for 29 years, I left for personal reasons due to marriage issues. I Never experienced an issue with Wells Fargo in those years! 

After a couple of years, attempted to open an account with Wells Fargo, a Savings account that would eventually create a checking account. I attempted this in the XXXX XXXX XXXX center due to my family having a long standing relationship with the bank and home prior to marriage, where my mother 's home address is located. 

The account was closed for no reason. 

I then paid a visit to the XXXX CA branch to inquire about the reason for this action. She called support and the call was given to me to address at the branch. I was informed the account had gone to the XXXX XXXX office and no other information was provided. The account was for a whapping {$300.00} dollars! 

I do not know why this is happening and request a good standing with the bank as I will not accept any negative remarks on my Banking " record '' for no reason!

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