BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity

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 2022-07-09
Company: DISCOVER BANK
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been instructed three different times by general customer service reps that the only way to resolve my account being frozen is to speak to someone in Security department. They are experiencing high call volumes, but I have spent at least 12 hours on hold on different days trying to speak to someone only to have EVERY call I make to the Security department dropped after either 2 or 3 hours on hold. 

Basically my money has been hijacked by the company and they provide me no means of resolving this issue except to say that I HAVE to speak to someone in Security, but nobody answers those calls. I have been trying to get through to someone in the Security department daily since XX/XX/XXXX and get the same result everyday. This simply is not acceptable. 

Also I did receive a letter dated XX/XX/22 stating that my funds have been returned. To this date my funds have not shown up to my original bank account. 

General customer service has no other suggestions of what I can do except to keep calling Security department back. How long am I supposed to go on wasting time on hold for 2 to 3 hours at a time just to have the calls drop every time and nobody to speak with about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
After filing a dispute against the company, the dispute results came back aas verified and accurate. " ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *PAST DUE *HISTORICAL ACCOUNT INFORMATION. '' In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: ALLY FINANCIAL INC.
State: DE
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:
Ally Finance got me 30 month late and I was in the hospital and I wasnt able to pay that month I have asked them to work with me but they chose to not work with me! I have asked them to remove the XXXX late off my account because of me being in the hospital I havent since been late on my account so thats why I am disputing it and looking for help on this 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 2022-07-09
Company: Velocity Portfolio Group
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Never received any information in regards to this debt. Tried contacting and reaching them but never could get any type of response. Account still showing open which is unfair and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
as of XX/XX/2023 as listed on my most recently reviewed consumer report, there are several fraud/ unauthorized accounts listed. I am hereby notifying you that on those dates or similar dates I've listed in the documents I've mailed, I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax consent to furnish this information. Have understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to file a formal complaint regarding my recent experience with Citi Bank, which has left me deeply concerned about my Citi Savings Account and the potential closure of all my Citi accounts. 

On XX/XX/XXXX, I opened a Citi Savings Account with the intention of using it as a joint savings account, shared with my significant other. I transferred {$300.00} from my paycheck into this account on XX/XX/XXXX. However, I soon discovered that it was not possible to add a joint account holder to this specific account. Consequently, on XX/XX/XXXX, I transferred the funds to a joint account. 

To my surprise, approximately a week later, I received a letter from Citi, stating that I had violated the terms of my Citi Savings Account and that all my Citi accounts would be closed within 60 days. In response to this notification, I immediately contacted Citi 's customer service and spoke with three different agents. Despite providing my account number, social security number, and card information, I was informed that my identity could not be verified due to an issue with my phone number not being on my account. I have been a Citi member since XX/XX/XXXX, and I have received verification codes via text messages in the past, which only adds to the confusion. 

The agents I spoke to advised me to await a letter with a reference number in the mail, which was supposed to help resolve this issue. Regrettably, it has been nearly two weeks, and I have not received any such letter, leaving me in a state of uncertainty and frustration. 

I would like to emphasize that the delay in receiving the reference number has created a pressing issue for me. My Citi credit card bill is approaching its due date, and I am currently unable to access my Citi account to make the necessary payment. This situation has put me in a difficult bind, and I urgently need intervention to resolve this matter. 

I kindly request your immediate attention and assistance in addressing this issue with Citi Bank. My goal is to maintain my relationship with the bank and find a solution that allows me to keep my Citi accounts. Your prompt and thorough consideration of this complaint is greatly appreciated. 

Thank you, Citi 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 2023-05-08
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-01-24
Company: SECURITY FINANCE CORP
State: AL
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:
On XX/XX/23, Security Finance, in XXXX, Al, performed an unauthorized hard inquiry pull on my credit. When contacted and questioned about this issue, they advised they pulled my credit because my payment was late and they had an outdated phone number for me. I told them that wasnt a reason to pull my credit, as they had my email and failed to try to reach me there.. they then gave me the number to their customer relations department for further assistance. I called that department and they advised they could pull my credit if my payment was 30+ days late, which I confirmed it was only 19 days late when they pulled my credit, and I had already scheduled the payment to be paid online. The agent with the customer relations department escalated the unauthorized pull to a supervisor and I havent received an update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX 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 2015-05-20
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On the XX/XX/XXXX when I wanted to withdraw money from the ATM, the transaction was denied that I should contact my bank. I XXXX logged into my account via my iPad and to my surprise, discovered that there had been XXXX unauthorized transactions ( ATM withdrawals and POS ) totaling {$4700.00} that were carried out on my PNC bank checking account on the XX/XX/XXXX in Michigan State. Also I found out that there was an unauthorized transaction ( {$8.00} ) at a XXXX store in Michigan state carried out on the XX/XX/XXXX. 
I reported this immediately to PNC 'S customer service representative who informed me then that they had blocked my account to have me call the bank to verify if it was me that did the transactions the previous day. I told her clearly that I was not the XXXX that carried out the transactions neither did I approve or authorize anyone to do it. She then said that she would credit back the ATM fees and balance inquiry fees ( total {$12.00} ) that were debited to the account. She then submitted a claim reversal for all the unauthorized transactions and also gave me a reference number XXXX for the disputed claims. 
I am a XXXX and for sometime now, have been out of United States XXXX. In fact, I left the states in XXXX to XXXX where I stayed for XXXX months then left to XXXX XXXX where I stayed from XX/XX/XXXX to XX/XX/XXXX then back to XXXX for an XXXX. I still have my PNC bank debit card to the checking account and never gave out any account information to anyone. 
To my surprise, I received a letter from the bank written anonymously stating that they have completed their investigations and would not credit my account back to the amount of {$4700.00} for the XXXX unauthorized transactions. 
I then called back on the XX/XX/XXXX and spoke to another representative who then re-submitted the claims. Afterwards, on the XX/XX/XXXX my checking account was credited with only {$8.00} for the transaction at XXXX with a description of ( FINAL DISPUTE CREDIT ) meaning that the other unauthorized transactions totaling {$4700.00} were denied. 
I have tried severally to contact a supervisor or a manager that could help in resolving this issue but to no avail. I have only been transferred to leave a voice mail to an undesignated mail box. I have had a lot of phone " hang-ups '' and " run-a rounds '' on this matter so I decided to contact a competent authority to help in the resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX YOU ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT CAPITAL ONE AUTO FINANCE ACCOUNT # XXXX HAS VIOLATED SERVAL OF MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A CLARLY STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15. U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT OPEN- END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

REMOVE THE LATE PAYMENT AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: ALLY FINANCIAL INC.
State: OR
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/2020, my car repossessed I was behind on my payments because of pandemic I wasnt able to work. Ally bank took my car without any letter I wasnt informed theres no proof my car is going to be repossessed. After my car repossessed I payed in full then I get my car back, during they repossessed my car my credit reduced. XXXX points and I was continued to pay my payments but still on my credit report and I believe after I catch up omn payment shouldnt be on credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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 information incorrect

Complaint:
I have been working for months to resolve an incorrect late payment on my credit report. XXXX says to dispute it with the credit bureaus, they say XXXX needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX  an unauthorized {$2.00} charge was made on my mom 's XXXX card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. XXXX reported this as 2 late payments, 60 days and 30 days. 

My mom called XXXX when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

XXXX continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that XXXX is still reporting a late payment. The last time I contacted them, XXXX completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to XXXX and Equifax. XXXX stubbornly refuses to list the account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Wells Fargo XXXX XXXX on my Truck for the XX/XX/07 payment raising my payment to XXXX I could not afford that the Payment was due XX/XX/2007 you had a repo man come get the truck on XX/XX/2007 and I called you on XX/XX/2007. You have the truck over 90 days before the sale of it. Thats wrong. You owe me for that. Where is the XXXX extended warrenty you cashed out missing on the paper work. Why did you all take XXXX out of my bank after a debit transaction at the XXXX XXXX wells fargo atm for XXXX The very next morning you hit my debit card again for XXXX wells Fargo rewards. 
It took a week to get my money back and visa 6 months to review the ordeal you people are crule I WANT OUTSIDE ARBIRTRATION and or a refund I am owed.

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