BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: EQUIFAX, 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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a 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 non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This inquiries are fraudulent never ever filled out any application for a car or credit..I will have the list posted down in attached form..I 'm asking for these to be removed from credit report..I 've complained to the creditor company several times no removed items..yet please help me remove these items

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 2021-05-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian, using old out date information to trash credit score in order to sell product. Also an issue of red lining for profit and higher interest rates. Experian is using out dated information of old debts paid. Several old bills that was paid over 4 years ago, one bill being a XXXX XXXX XXXX account that has been paid three times and removed from my credit report many time. Medical bills that a dispute was submitted. The company offered a boots program ( using monthly history ) only to tell me that I did not have anything they could use and offer me a payment type of program. Using outdated information and old disputed debts that where removed. Experian has trashed my credit score costing me thousands in interest rates and credit for my business. They also attached a old credit card that belongs to my daughter and added to my debt to reflect on my debt to income ratio stating that I was using 72 % of my credit, this is not true! I've been paying off my debt to refinance my home and now I can not get a fair interest rate due to this misinformation!

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 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$17000.00} XXXX  XXXX $ {$16000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$210.00} XXXX XXXX   XXXX {$16000.00}

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 explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been charged multiple times fees that werent supposed to be charged in my checking account

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 2021-11-06
Company: ALLY FINANCIAL 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: Public record information inaccurate

Complaint:
Ally Bank report false information to the credit bureaus yes the car was repossess but the car wasn't repossess from my residence or worksite. Ally Bank contact XXXX XXXX aka XXXX XXXX to find the shop to gain repossession of the car. During ligation I was told I can bring in XXXX XXXX in as an third party defendant to find and gain repossession of the car in case docket # XXXX. Ally Bank non-suited the case XXXX XXXX the case docket # XXXX and less than an week later I receive a letter claiming they have the car from the letter was posted dated XX/XX/2021. Ally Bank had the car during ligation and kept it conceal that's basically Fraud. I believe the main reason why Ally Bank non-suited the case is to avoid paying me the {$40000.00} bond for a wrongfully issue " Writ of sequestration '' and to protect their lawyer from the charge of perjury on an sworn declaration. 

Ally Bank is trying to make it look like I put the car in the shop and hide it and they later repossess it. This is false XXXX XXXX hide the car at an shop and didn't me where and Ally Bank later repossess the car by contact XXXX XXXX without letting me know and then file an illegal lawsuit pretending that they never got in contact with him. If Ally Bank refiles then I will remove the case to federal court and counter claim for misrepresentation and fraudulent concealment.

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 2022-12-20
Company: EQUIFAX, INC.
State: GA
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:
There is a billing error on my report. I am attaching where my late fee was returned from. 


According to Consumer law 15 US Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Attached you can see that a billing error was made on my account and XXXX XXXX refunded my late fee amount for the alleged late payment from XXXX XXXX 
Please remove the late payment from my credit report, due to the consumer law 15 US code 1666 b as a billing error, and use my highlighted letter showing that they made an error and refunded the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Mr. Cooper did not pay 2 of my tax payments. I no longer get a bill so I was unaware that the payments hadn't been made. I saw that there was a large amount in my escrow account and called them on XXXX ( XXXX ). They told me I would not have to pay the late fee as it was there mistake. When I saw how much they paid I called them back on XXXX ( XXXX ), because I received a statement saying my house payment would increase due to a shortage of funds in my escrow account. I emailed the tax assessor to see what was paid by them and found out they had missed 2 tax payments, not one ( XX/XX/XXXX & XX/XX/XXXX ) and had to pay 2 late fees which they took out of my escrow account. They told me that they would credit it back to my account, but did not. I called again on XXXX ( XXXX ) and again I was told they would look into it and I should be reimbursed back for the late fee taken out of my account, I was told by the person I talked to that she would call back on XXXX. I never received any phone call or correspondence. The amount they owe me is {$330.00} for the late fee. My house payment went up {$70.00} a month to cover the shortage in my escrow account because they took too much out. This is causing a hardship on my finances as I am the only one working right now. When they took over my loan on XXXX, there was a credit of {$2700.00} at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX. XXXX : XXXX XXXX XXXX, XXXX, Va, XXXX number : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XXXX XXXX Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up an auto payment with my account approximately XXXX weeks ago in the amount of {$150.00} a month. I had {$1600.00} debited from my checking account on XX/XX/2023. When I set up the auto pay it was approved as accepted. I was then under the impression that {$150.00} would be deducted from my payment account. 

I reached out to Amex and was told the minimum amount due is deducted regardless of what payment you set up even if approved under other amount through autopay. They said its part of the terms and conditions but the terms and conditions contradict what I agreed to pay and what was accepted. I thought my submission of what the autopay approved would reflect what I agreed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$9900.00} ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I'm trying to report a dispute with the debt collections on my credit report, I don't recognize any of this and I have been sending letters for those verifying those accounts and they not responsive as consumer there a law can protect me for this bad practicing the Fair Credit Act 15 USC 1681a ( 2 ) I didn't give any permission to have those accounts furnished 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: OR
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:
During the XXXX XXXX pandemic I got XXXX  and setup a payment arrangement with the credit cards to avoid delinquent payments. They still reported them late but under the Cares Act i am allowed to setup payment arrangements to avoid later reporting on my credit. Experian refuses to correct the information or investigate

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 2022-04-01
Company: ALLIANT CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a preapproval for a mortgage with Alliant Credit Union on XX/XX/XXXX. I received one email from a loan officer seeking additional information on XX/XX/XXXX, but nothing afterwards. I followed up with the loan officer on XX/XX/XXXX and XX/XX/XXXX by email and phone, but still received no response. I sent a letter to Alliant to complain on XX/XX/XXXX, but two months after sending the complaint letter they have not responded, and I still have not been informed of the status of my application or whether it was approved or denied. If my application was denied, I would have been disappointed but would have moved on. However, to just ignore an applicant is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2020-08-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I received a PayPal notification vie email ( XXXX ) advising that funds were sent to me in the amount of {$600.00} on XX/XX/2020. After several unsuccessful attempts to log-on to my PayPal Account i opted to reset my password. 
Resetting my password failed because my security control queries had two issues : 1. My phone number on file had changed for more than four years 2. My verification questions could not be answered correctly. 
Multiple daily attempts over a week to reach an agent at PayPal was unsuccessful. Direct contact with an Agent was not available due to call volume ... as per the voice recording from PayPal..Utilizing other contact options presented on their website such as the " Message Center '' and " Resolution Center '' was not useful as the majority of options except for a call into the automated phone service required that I had access to my account, which was the reason for the issue. ( I could not access my account ) The sender of the {$600.00} made several email requests to PayPal for assistance with my account access issue, this seems to have been ignored. The Sender have  also requested a cancellation or refund of the funds sent to me but this too seem to have fallen on deaf ears. Instead PayPal sent me another email advising that the Sender claimed that products were not shipped as required. This was not the case as the funds sent to me was a " Gift '' amount which was also stated in the email from PayPal I received originally on XX/XX/XXXX. The shell Office for PayPal at XXXX XXXX XXXX XXXX is empty, there is no one available here or any live contact. I visited the office last week hoping to get help but to no avail. I would like the funds returned to the Sender or have my PayPal account enabled so that l can access these funds as it was originally intended for medical purpose. 
The PayPal transaction Id 's related to this issue are : ( Receiver ) XXXX & ( Sender ) XXXX. 
There is an active case pending at PayPal, Transaction Details Case number : XXXX Buyer 's name : XXXX, XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Transaction date : XX/XX/2020 Transaction amount : {$600.00} CAD Your transaction ID : XXXX Refund amount : {$600.00} CAD - ( Pending ) Your kind assistance with resolving this issue which has been ongoing for 13 days is appreciated.I can be reached at the above email address or by phone @ XXXX XXXX XXXX for any further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I submitted a dispute for these account on XX/XX/2021, and I have not received a response or communication back from this company. It has now been over 35 days, as the original creditor I deem this account unverifiable and I want this account deleted from my credit report as per the laws pertaining to the Fair and Credit Reporting Act.

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 2021-03-31
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 around XXXX I got a fraud alert for a global transfer from Citibank that I never made for 2000.00 Right away I responded no and called the fraud dEpt. I went on and checked my account to realized my savings account was wiped clean. A prior transaction was made for 4500.00 around XXXX that I had no idea about so I was a victim of fraud for a total of 6500.00. I immediately called Citibank and told them someone was stealing my money. They closed my account and the following day I went to the branch and had to open a new one. I also filed a police report right away because I want to press charges on whoever stole my funds.I had a claim put in immediately on the XXXX two days later they denied it I was LIVID. I also received in the mail paperwork from Citibank dated XX/XX/XXXX how the global transfers were cancelled due to lack of information so how someone stole my money is beyond me!!! Being Im a consumer of Citibank for 18 YEARS. They put in another claim XX/XX/XXXX. Today is XX/XX/XXXX they are now denying it again. Somehow someone broke into my account and Citibank let them get away with ALL my money.I am beyond disgusted with them I called infuriated and all they said was they will make another claim a THIRD claim. Its been 16 days and I still do not have my funds. Im a single mother that works two jobs just to get by. ALL my money was in that savings account. Please help me get my money back I am a victim and I dont know who else to go too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 non-monetary relief