BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
there was a unauthorized deposit made to my account of {$2200.00} on XX/XX/2019 there were 5 checks deposited to my account for a company that i do not know. i am making a complaint because this is not the first time wells fargo does this the erases any transactions of deposits or withdrawals like it never happened. i wanted the money removed from my account but wells fargo denied the request.

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 2019-04-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is reporting incorrectly. I never payed late and this is reflecting 2 30 day late payments. One on XX/XX/XXXX and one XX/XX/XXXX. it is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payment status this is hurting my ability to obtain credit, and report them as paid on time. 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 non-monetary relief
Consumer complaint received 2019-04-15
Company: Certegy Holdings, LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2019 I tried to cash a refund check for {$540.00} from the state of California. It was declined, and I was refused any reason or any kind of answer of why from Certegy, except go somewhere else. Although I tried three times, receiving 3 reference numbers, they were unable to bring it up on their system though their system was still declining and issuing out reference numbers. After over an hour of asking for a supervisor I was finally connected with one to tell me Im more than welcome to go somewhere else.

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a credit alert indicating a unknown status for XXXX and XXXX on my 2 students loan accounts which hit my credit file with a hard hit and decreased my credit score by 60 points because of incorrect information sent to my credit file.. XXXX sent incorrect information for late unknown payments 1 for {$18.00} and the other for {$22.00} with a balance increased for the month of XXXX when my accounts are in a postponement status and pending with the Borrower 's Defense. I'm confused because the late payments hit my credit file back in XXXX and was a significant hit.. They have now done another hit indicating unknown and Transunion is reporting the incorrect information.

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 2023-04-18
Company: EQUIFAX, INC.
State: TX
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:
EQUIFAX is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting EQUIFAX to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. EQUIFAX has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number : XXXX. XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX of the XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. EQUIFAX is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: ALLY FINANCIAL INC.
State: MO
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:
This is now the SECOND complaint since last month ... ..ALLY BANK is continuing it's harassment involving getting the Title to the van I paid off 16 MONTHS EARLY ... ..on the other complaint I received the usual sarcastic letter saying that they will ABSORB THE {$1.00} LOSS and told me that I have to go to the DMV to get the Title ... ..I stated in the first complaint that ... .I NEVER HAD TO DO THIS WITH THE OTHER FOUR NEW VEHICLES I PAID OFF OVER THE YEARS! They stated that in Missouri I just go to the DMV and do it there ... ... ... .ANOTHER LIE BY THIS BANK!!! I drove the 40 miles to the DMV office and they said ... ..THE BANK HAS TO SUPPLY THE TITLE ... .THEY JUST NOTARIZE IT AS OFFICIAL WHEN I BRING IT IN WITH THE LEAN RELEASE!!! This is the same type of run-around I've been getting from this Bank for THREE YEARS!!. 

ONCE AGAIN, CAN YOU PLEASE GET THIS POOR EXCUSE FOR A BANK TO SEND ME MY TITLE... ..IT 'S BEEN 8 MONTHS SINCE I PAID OFF THE LOAN. Again, if you go on line to the BBB or their Social Media pages, you will see that they do this OFTEN, especially for folks that pay their loans early or have some sort of dispute with them, as stated in the complaints. PLEASE HELP ME WITH THIS, I DON'T KNOW WHERE TO TURN.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: FL
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

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

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 2022-12-19
Company: FORD MOTOR CREDIT CO.
State: MS
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom this may concern I am a victim of identity theft and would to submit this dispute in support of getting these fraudulent accounts removed from my credit report. I am in the process of home owning and this is causing much distress. I am not sure how these criminals were able to access my information to open these accounts but I would like them removed to that I do not have any issues with my future financial endeavors.

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 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my credit files, on XX/XX/2017 I wrote to XXXX XXXX a collection company reporting account number XXXX and disputed the account reported on my credit files. I explained to the company that this account was unknown to me and I required full validation of this account. I believe that my personal information was used to obtain accounts with out my consent and it is for this reason I need to know the full details of how this account was opened by XXXX XXXX ( please see the attached copy of the letter sent ) and received no response. 

I then wrote to the credit bureaus and see why the account is still reporting inaccurate information about me and received no response. 

I request the assistance of the CFPB in the communication of my dispute.

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 2023-08-21
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: Personal information incorrect

Complaint:
Please Remove these addresses that do not belong to me my only address is XXXX XXXX XXXX XXXX ga 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 2023-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account I believe that these accounts have been inaccurately reported to the credit bureaus, and I am requesting that they be removed from my credit report. 

According to the Fair Credit Reporting Act, credit reporting agencies must investigate disputed items on a credit report within 30 days of receiving a dispute. I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate or incomplete. 

I would also like to request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-12-15
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Flagship Credit Acceptance on XX/XX/2023 regarding a negative account listed by the credit reporting agency I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor never responded.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I am making this complaint because I am confused to why I have accounts still reporting on my credit report that I have disputed but are still showing up as inaccurate information. The only response I have got back was that it was verified but there was no proof or evidence of that being true. I am feeling a sense of hopelessness and stress that there is information being reporting that I have no recollection of and there is no real investigation being done. It simply states in Section 611 in the FCRA that a consumer has the right to request the procedure of verification by any Credit Reporting Agency. Please explain to me how these accounts that have be disputed been verified and/or been updated. 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 2022-12-19
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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

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 2023-08-21
Company: Experian Information Solutions 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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2022-12-19
Company: EQUIFAX, 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:
NOTICE OF DISPUTE The following accounts need to be deleted. The negative remarks from these were reported in bad faith, thus preventing me from obtaining credit so I can take care of my family. 

*XXXX XXXX Last reported XX/XX/2022 *XXXX XXXX XXXXXXXX Last reported XX/XX/2022 XXXX XXXX  Last reported XX/XX/2022. Remove all late payments XXXX XXXX XXXX XXXX Last reported XX/XX/2022 XXXX XXXX, IN Last reported XX/XX/2022 XXXX XXXX  Last reported XX/XX/2022 Remove all late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Communication via phone with Experian customer service last year ( XXXX ). 

I told them I believed I was a victim of the Experian hack on XX/XX/XXXX and XXXX, XXXX, due to not having access to my basic account to manage my security freeze online. 

I explained to them that I have yet to be able to access my limited Experian account via the website, which is preventing me from managing my security freeze or accessing my free credit report online. I called Experian to resolve this issue over three days and was on the phone for more than 5 hours with no resolution. It was even suggested by Experian customer service to create a new account with an email, the same way Experian customers were hacked on XX/XX/XXXX and XXXX, XXXX. 

My account has existed since XXXX ( I have provided my Membership ID and SSN ), and I could access my account in XXXX and XXXX, but customer service said my online account did not have any personal information, which I find strange. 

Also, I called today, XX/XX/XXXX, and was on the phone to resolve the issue with accessing my limited Experian account for over an hour. I was told my case was escalated before the call was dropped on Experians end. I will call back tomorrow to resolve the issue for the 5th time. 

Today, XX/XX/XXXX, I called the automated line to lift the security freeze on my credit file temporarily after supplying my data and security freeze pin during the automated process. I was transferred to customer service after verifying information via the automated system. The 1st customer service representative hung up on me. The 2nd customer representative stated that I needed an account and noted the same talking points as previous representatives. 

I asked both customer representatives to look at Complaint number # XXXX, so they could understand my frustration with Experian denying me access to managing my security freeze online and thru the automated phone system. It has been almost a year with no access or resolution to this issue. I am tired of my call being hung up and representatives dismissing my concerns ; I need to communicate with someone to assist me with this issue. 

Please resolve this issue as soon as possible because this prevents me from accessing my limited Experian account via the website.

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