BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-05-31
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Consumer Financial Protection Bureau Attention : [ Complaints Division ] XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint against Ally Financial for Misleading Account and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint against Ally Financial regarding a misleading account and to request an investigation into their practices. I have been contacted by Ally Financial, who alleges that I owe an outstanding balance. However, I believe that their claim is inaccurate and misleading. 

I have repeatedly requested Ally Financial to provide proof of the alleged debt, including payment history and any other relevant documentation supporting their claim. However, to date, they have failed to provide me with the requested evidence.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: OK
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 TEXAS, docket XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX Bank account XXXX, XXXX account ( XXXX ) XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-06-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo erroneously took out payment out of my account. They claimed that I authorized it. They would not let me listen to the tape. In the interim, they were supposed to credit my account the payment while an investigation was underway. They did not. I spoke to XXXX from Executive Customer Service who said there was a back end delay and I would have to " do what I needed to do ''. I contacted my XXXX my bank who notified me that they could easily reverse the transaction and give me credit pending the investigation of the issue. Four days later, Wells Fargo credited me the same funds. XXXX from Wells Fargo said that it would simply be reversed and in a matter of 3-4 business days it would be resolved. They extended my case, withheld credit reporting in order to help with this situation. Upon resolution, I was issued a resolution that that there was error on wells fargo 's part but was issued a check for {$450.00} as an " sorry for the inconvenience. '' The money never came out of my account. 

I called and set up a case in Mid XXXX to investigate this situation with the payment that was supposed to come out of my account.I received a phone call in late XXXX that they were still investigating and they would need to extend my case out to XX/XX/XXXX. I never heard back. In the interim, I am receiving foreclosure notices left and right. 

The resolution of this last case was that there was no payment reversal supposed to be made. Once again, Wells Fargo is falsifying the truth and I as the consumer have no choice but to just agree with their erroneous resolution. Meanwhile, my mortgage is still past due and Wells Fargo 's executive team has not done its job. 

I am being discriminated against because of my race and my husband 's veteran status. They have made it very difficult for us to resolve this issue. Aside from incompetence, I have advised Wells Fargo it seems that they are making this abnormally difficult for us to resolve and I feel that they are trying to take my home from me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: AZ
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:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to report fraudulent activity that has impacted my financial situation. Around XXXX XXXX I unknowingly submitted a fraudulent check to Bank of America that was sent to me by a scammer named XXXX XXXX who reached out to me for a paid modeling gig. I was very convinced that it was real and they sent me a check as an upfront payment and I unknowingly deposited it resulting in the closure of my Bank of America account. I have the emails from when I was first contacted to the name and address of the sender. I am fully committed to cooperating with any investigation and providing any necessary information or evidence. I kindly request that you keep me updated on the progress of this case and inform me if there are any additional steps I need to take.

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 2020-06-11
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:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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:
1.In accordance with Faircredit Reporting Act, XXXX Bankaccount # XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} TRANSUNION : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$88.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: AZ
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 requested for an investigation because XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX2020 I was notified that a fraudulent unemployment claim was filed in my name. I went through all of the dispute and protective steps to file a claim with all of the involved agencies. I also wanted to put a freeze on my credit with all three credit reporting agencies : XXXX, XXXX and TransUnion. I was successful on XX/XX/XXXX with both XXXX and XXXX but was locked out of TransUnion after not being able to answer their " out of wallet '' questions. I was unable to call them due to the time difference - I'm on the West coast. When I attempted to unlock my blocked account, the experience was extremely difficult and hard to find on their website. It is my experience that TransUnion is not client-friendly nor is their website easily navigable. They seem more interested in selling a monitoring product for {$24.00} vs. making it easy to clearly see a spot to freeze one 's credit. The difference in consumer experience between the other agencies and TransUnion is noticeable - enough that I would like to file this complaint against them formally.

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 2021-06-24
Company: Experian Information Solutions Inc.
State: AR
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 sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX & Account XXXX has violated my rights. Or 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 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 2022-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid XXXX XXXX XXXX {$1700.00} in XX/XX/2021 to install chain link fence around my back yard. About 2 weeks later at XXXX two men arrive at my house saying they are here to install my fence. I told them I hired XXXX with XXXX XXXX XXXX. They told me XXXX told them to do the job. They were at my home for 20 minutes, they installed 3 posts and 12 ft of fence, 190 ft of fence & posts, & 3 gates were supposed to be installed. My TV went out, they had dug and cut my XXXX cable wire. They said they would be back, they left and never returned. XXXX from XXXX XXXX also did not come to my house. My calls to him were answered with excuses then I would leave a message and no call back. I hired another fence co. XXXX XXXX XXXX XXXX to do the job. They did a wonderful job and they were paid in full, see attached paid receipt. Numerous letters back and forth between me & and Capital One and I am still being billed {$1700.00} for services never received, see attached letters. XXXX XXXX stole my {$1700.00} and I am due a full refund back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
*********Hello, my name is " XXXX XXXX '', I have been filling my complaint for over past year or so but none of it has worked. I notice that some of the name and addresses that are listed on my credit report are inaccurate. Please remove these name and addresses as they are not belong to me and the incorrect informations below are intervening me from obtaining credit. 
**Name reported : XXXX XXXX XXXX XXXX XXXX ( There are two the same name " XXXX XXXX XXXX `` , delete 1. 
**Addresses reported : _ XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ****************************************************** ^^^ I request an investigation on these loans and hard inquiries within the legal time frame of 30-45 days as I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the belove items ) and filing lawsuit if not done. 
**. Other Loans : _ XXXX/XXXX  Reported : XX/XX/XXXX ** Hard Inquiries : _ XXXX XXXX/ Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . 
XXXX  XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX -/Inquiry : XXXX XXXX, XXXX XXXX XXXX/ Inquiry : XXXX . XXXX, XXXX ***Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer '' reports I must receive a disclosure that this letter was received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never received any disclosure or writing mailed. DELETE IMMEDIATELY!!! 
XXXX CREDIT CARD : XXXX Reported : XXXX XXXX, XXXX " '' '' This charge off account is not mine, delete please!!!! 
**Collections : XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!!

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 2023-05-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Citibank XXXX XXXX XXXX XXXX. On XX/XX/2023, I made a {$13000.00} payment to the balance of the card. On XX/XX/2023, a regularly scheduled payment of {$990.00} was made. BOTH payments cleared my bank the day following each individual payment. On XX/XX/2023, I received a statement stating I had a balance and AVAILABLE credit of {$15000.00}. Today, XX/XX/2023, I attempted to use my card for a {$290.00} purchase. This is purchase obviously well below my available balance. The card was declined. As a result, I called Citi and was given bogus, vague excuses. I was told by two Citi employees that sometimes they just choose to put a hold on a payment. Criteria varies. I was told the payment may have been too big or that I made more than one payment. Yes, i did both. So, to be clear the reason for a hold on my card was my payment was too big and I made two of them in the same month?? Was I paying too much too fast? The second rep said she can call the bank where I keep my checking acct bank to see if the two-week-old payments had cleared my bank, but since it's after XXXX she will have to call tomorrow. One challenge, I want access to the available credit balance today! This is insanity. I was never notified in any way, shape or form that Citi would place a hold on a payment. This defies all logic. Citi has had the money I paid them timely before my due date with plenty of opportunity to verify the cleared payments and for me to receive an email statement for XXXX month reflecting said payments. What's pathetic is Citi knows they received the funds. They acknowledge such in the statement. Shutting down a card is what should happen when a customer does not pay their bills on time and does not make payments larger than the minimum requirement. 

A bonus for the whole endeavor I had to ask the first rep to quit eating his salad while talking on the phone.

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