BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
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:
These agencies have been reporting income on my consumer report which violates the FCRA. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. And there are 3 accounts that must be removed as they are clearly inaccurate. It goes as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I need to reopen and add additional information to complaint XXXX, and would like it escalated to a manager. BMO AKTO called me and actually stated they do not have to offer any review process and can deny my attempt to pen a CD literally for discriminatory reasons, and do not have to specify what they are to allow me any way to respond at all. This bank should have its charter revoked, and the CFPB is doing nothing but file away complaints without ever doing anything. I would like the history of this matter reviewed in detail. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2020, we issued a check for {$3000.00} to a law firm using Bank of America 's billpay service. They mailed a physical check to them. 

Somewhere, the check was intercepted, and deposited by a third party. We do not know who it is, but the cancelled check has their bank account information. 

The check was never endorsed by anyone, so it was never properly payable, and should never have been accepted as a deposit. According to the UCC, we are not liable for this banking error. 

We have been trying to resolve this with Bank of America for nearly six months now, and have gotten nowhere. The liability is clearly on them, and we are due an immediate refund for the {$3000.00} for the improperly accepted check. They are dragging their feet regarding " research '' and have missed every resolution deadline they promised. 

The bank clearly owes us {$3000.00} for their error. Checks CAN NOT be deposited when they are not endorsed.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$15000.00}

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 2022-02-28
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I refinanced my vehicle in XXXX of 2021, and was owed a {$780.00} refund from Ally for the remained of the GAP coverage that I purchased with the initial finance. I was told I would receive the refund check within 60 days. The refund did not show up. In XX/XX/2021 I received a letter informing me they had mailed a check that had never been cashed, and if I had not received the check to mail the form back so a new check could be issued. I mailed the form back, and after 30 days still had not received a check. I called Ally on XX/XX/XXXX, and was told a check had been issued the week prior, and to allow another week for it to be delivered. The check never arrived, so I called again on XX/XX/XXXX to follow up. I spoke with an employee named XXXX, who told me they were having issues with a 3rd party company they used to cut their checks. I told him if they were issuing another check it needed to be send via XXXX  or some method with a tracking number. I told him if this wasn't resolved my next step would be filing a complaint with the XXXX. He said he would need to speak to his supervisor and call me back. He called back later that day, and said he got approval to send me a check via XXXX, but it would take 3 to 4 days before they could send the check, but that he would call me with the tracking number. After not hearing anything for 15 days I received a voicemail with a XXXX  tracking number XXXX. This tracking number pulls up a package that was delivered to XXXX XXXX, CA, but I live in XXXX XXXX, TX. I also have a XXXX XXXX XXXX account, so I am alerted anytime a shipping label is created that is sent to my address. I have not gotten anything from XXXX, so there was no label created with my address. They have either given me someone else 's tracking number, or mailed my check to CA. I believe I have taken all reasonable steps, and not gotten my money back. I need help as I am getting the run around from this company. I do not have a loan number, they use my VIN XXXX to pull up it up when I call.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair 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 2020-12-31
Company: EQUIFAX, INC.
State: NJ
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am not sure how or who got my information but it XX/XX/XXXX! I've never felt more vulnerable.I don't know how i can fix this situation but I will try my best. I submitted a complaint with the Federal Trade commission for starters.Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. Please see attached file. 

The close dates are different from each bureau. 
The last report date is different from each bureau. 
The payment data is different from each bureau. 

Account : XXXX XXXX  XXXX Account number : 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 2022-03-02
Company: Experian Information Solutions 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 have been reaching out to EXPERIAN, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX OF XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-02-02
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2023 I requested a formal investigation in regards to the Macys account reporting negatively on all three credit bureaus. In the document below a certified letter was sent asking the accuracy of the amount allegedly owed and proof its 100 % correct. Macys refused to provide any information. Essentially saying they are providing information correctly because they state it is correct. I have no way to validate that information. As a result an update was sent to the credit bureaus. 

What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe : -Provide me with copies of any papers that show -I agreed to pay what you Provide as verification -A certificate copy of any judgment if applicable. 
-You Identify as the original creditor -Demonstrate the Statute of Limitations has not expired on this account in Maryland -Prove you are licensed to collect in Maryland -Dated XXXX form that was issued for the IRS as earned income 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 2023-10-06
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I over paid my loans and finally they were applied to my other outstanding loans however everything is completely paid off but now I have negative balances on my account that I would like refunded to the account I paid from. I have tried calling and emailing edfinancial but it is really hard to get a hold of them. In summary, the loans are paid in full but I have negative balances due to overpayments.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-30
Company: Mediation Recovery Center
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a call from a company called XXXX XXXX XXXX ) They said they represented XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX and stated that I owe the balance of {$270.00} and they would settle the account for {$130.00} at the time I was going to schedule a payment but then looked at my phone and got a spam risk notification from the phone number that called me the debt collector did not verify any information did not follow the FDCPA disclosure this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose so I requested a letter to be emailed and hung up and called XXXXXXXX XXXX for verification that this was legitimate upon talking to XXXXXXXX XXXX they stated they have no record of any accounts under my social security number, I looked up XXXX on the XXXX XXXX XXXX website and they had more than 40 complaints Each one just like the last. I Called XXXX back the representative that answered the phone again verified no information did not use the FDCPA disclosures and discussed the debt with me I advised him that I contacted the original creditor and they stated that this was a paid in full account. The representative said that I had to call the original creditor back and get a letter stating that it was a paid in full account I also asked why they didnt verify information or Follow the FDCPA. The representative said that there were already multiple letters sent I advised him that I was a XXXX at a collection agency and knew that that did not matter the FDCPA had to be followed on any communication from a debt collector. I told him that I would file a complaint with the FTC and he stated that he would take this account out of collections there was no need to file a complaint with the FTC.I ended the call there but its very worrisome that this company has Sensitive information about me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

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 2022-10-07
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a {$3500.00} refund from EdFinancial back in XX/XX/XXXX. My loan was fully paid prior to my request ( closed ) and paid after XX/XX/XXXX. EdFinancial stated that there is a 150 day minimum processing time followed by a 10 day wait for a physical check ( even though I paid online ). This could land the refund after the possible forgiveness timeline. Also, I do not receive any confirmations, so I have to call to check up on it. I called today and they stated that it hasnt even been processed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. It is frustrating that these inaccurate reporting were severely damaging my financial standing and creditworthiness. I wonder what investigation you are doing that these inaccurate late payments keep on tarnishing my credit report. 
I want these accounts to be updated accurately : DISCOVER BANK XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent multiple letters disputing accounts on my credit report, but I did not receive any response or results. Please take action 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 non-monetary relief