BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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 asked Experian to remove 2 inquiries from my credit report because I think the rule for inquiries is that subsequent inquiries from the same industry ( mortgage loan shopping in this case ) are counted as one inquiries if submitted within 30 days of the initial inquiry. I have disputed this with Experian twice! Each time they interpret me as asking them to dispute the subsequent inquiries as if I do not acknowledge them. I do acknowledge the subsequent lenders inquiries but think they do not count because they occurred within a few days of the initial inquiry. Experians phone support do not get what I am disputing so then they submit dispute to the subsequent companies indicating that I did not initiate that request and I did! What is my recourse if Experian CAN NOT UNDERSTAND and address my concern and remove subsequent inquiries or provide an answer as to why they can not remove them. 

The information on the link below is why I think I am correct in my concern. The subsequent companies also know about this information and state that the credit bureau must make the correction unless I tell them that it was not me but it was me so they can not do anything to change the report! 

XXXX XXXX XXXX  Please tell Experian to remove the subsequent inquiries if the rule or law states it should be done. 

The 3 mortgage loan inquiries occurred on these dates : XXXX XXXX XXXX XXXX ( Initial Mortgage ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report 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 explanation
Consumer complaint received 2023-02-20
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:
I am a consumer by law. I did not submit this in error. I never gave Transunion my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.

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 2022-03-05
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Greetings, I opened a new bank account with Ally, I deposited a check once the account was opened. As soon as i deposited the check my account was locked, they asked me for a picture of my social security card, my drivers license and my selfie with holding both ids in my hand. I sent it all the same day within an hour of speaking with them. I spoke to them everyday as they said it would take 1-3 days. Today is day 4 now they are telling me they are still reviewing my submitted documents. So the account is blocked But now the guy tells me they will verify the check, i deposited the check 5 days ago, the check should have been cleared by now. I have worked in a bank i know the check clears in 2 business day from the bank its issued from. Please assist.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: AL
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 to the courthouse on XXXX XXXX asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy account number ( XXXX ) as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15. USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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. 

I have attach the letter from the court house that I sent to them as well as their response as 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 explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, 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, to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My phone was stolen/lost XXXX XXXX, 2021. I contacted XXXX the next day to report it stolen. By the time I was able to get a new phone activated I noticed money had been transferred out of my account through XXXX. I was able to stop two pending transaction but {$3800.00} had already been taken out of my account. I was able to see the names and phone numbers of the people who the money was transferred to. I was also able to track my phone for a short time. 
I filed a complaint with Well-Fargo XXXX XXXX and also filed a police report. I received a letter back say they had closed the complaint saying " transaction were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred ''. 
I called again and was told I had to fax more information. I faxed multiple documents XX/XX/XXXX to the fax number provided. I did not hear anything. XX/XX/XXXX I called again and was told they have no record of my fax even though I had confirmation this was sent. 
XXXX! XXXX I went to Wells-Fargo and they faxed it again. 
This is going on 5 weeks, my account has less than {$1000.00} I need to pay my rent buy food, this is unacceptable. My money should of been returned immediately and I feel I am just getting the run around from Wells-Fargo .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account with Bank of America was unexpectedly closed on XX/XX/XXXX without my knowledge and of course it was the day before I received 2 direct deposits. My account was in the negative but the direct deposits cover the amount and the fees but the bank refuses to release the rest of my money to me and they do not have a valid reason as to why. On the day I find out my account was going through closure the scheduled closure date was XX/XX/XXXX WHY DOES IT TAKE THAT LONG TO CLOSE AN ACCOUNT that is almost 2 months. I asked to pick up my money at a financial branch because you know I do have bills! Im a single mother with NO HELP I cant afford to miss a paycheck! But that request was denied once again WITH NO EXPLANATION. so here we are XX/XX/XXXX still with money sitting in Bank of America account that I can not access until the account is reviewed by a worker THIS IS RIDICULOUS!!!! if I lose my car due to not being able to make payments and all the late fees Bank of America isnt going to pay what it takes for me to get it back! Nor will they pay my daughters Daycare, rent, utility bills, or my school tuition!!!! They need a better system to closing an account! No one inside a branch can help so I am FORCED to talk with someone on the phone and I have to talk with someone different every single time! They do not keep you informed on the process of them closing the account so you are having to call and bug them to get a status update. Some of the customer service workers lie, tell you the wrong information, and its because they know the chance of them talking to you again is one in a million! I wish I never opened an account here

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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Inquires on my credit report that I did not do or authorize

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been buying & returning from XXXX online for years and you have to pay out of pocket for shipping. I've bought hundreds this year and most items don't fit and are returned. On XX/XX/XXXX I returned 4 lbs worth of items, mainly overpriced panties. The exact amount of refund I should get is unknown because I always use coupons but if you go by the emails for what I paid I should have been refunded was {$220.00} and change. They refunded my kohls card {$46.00} and claim I have a balance of over {$1000.00} which is impossible. I attempted to chat online and wasted 15 minutes or more. I emailed the email on the packing slips and it is invalid. I have sent messages on the website and of course am told to call. I hate talking on the phone and why would I waste more of my time when I asked for a fax or correct email to send attachments of the shipping label and packing slips/emails with all the returned items circled and highlighted that I mailed with the items? Talking on the phone isn't going to let me show proof. I mailed copies of all this last week to corporate and have not gotten a response. They refuse to give me my refund and I have more items to send back and of course I can't since I know they will mess that up too. I have filed a complaint with the BBB and it is unresolved. I filed a dispute with XXXX and nothing was done/changed except a slight balance change from 2 payments. I'm about to report it to the AG and capital one who issues their credit cards. I told them to cancel my card/accounts and they have not, in fact last week they sent a nonsense email asking me to re register and sign up for e billing like I was a new customer. And they punish me further and ad insult to injury be sending a message saying they were upping my APR nearly 3 % because it wasn't fair new customers weren't getting the rate I was. Google XXXX   complaints sometime and you'll find thousands of cases of unethical if not illegal practices. https : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/2022 Amount : XXXX ( Did honor balance transfer ) Citibank issued me a check in my XXXX of XXXX statement. The check was to transfer a balance from another charge card. The apr 0 % for 12 months. Also, I received guidelines how the check was to submitted and I called Citibank to ensure I complete it correctly. I did that on XX/XX/2022. 

1. CitibankXXXX XXXX I spoke to three customer representative and the third one finally told me how to complete the check ( from Citibank ). 
2. XXXX XXXX I completed the check the way the Citibank representative have informed and mailed it to XXXX. 
3. XXXX XXXX Citibank didnt pay the check. 
4. I called Citibank XXXX, XXXX  to fine out why they didnt pay the check. 
A. I spoke to XXXX and she said because my account wasnt eligible for the offer. So, I asked to speak to her manager. 
B. The manager said the account wasnt activity. So, I asked to speak to someone higher up. 
C. XXXX of the manager ( XXXX ). She said the previous representatives told me the incorrect reasons and she would complete a dispute report to find out why the check wasnt paid. She completed the report and she would call me XX/XX/XXXX, at XXXX XXXX. She never called me back. 
5. XX/XX/XXXX, I called Citibank and I spoke to XXXX she said the check wasnt paid because offer was for new account only. I told her in the XXXX statement information didnt state that. She said she would write that information on my dispute report. 
6. XX/XX/XXXX, I called Citibank to check the status on the dispute report. 
A. Spoke to XXXX in the dispute department and she said the check was completed incorrectly. I asked to speak to her manager. 
B. XXXX was the manager and he said the reason the representative gave me was incorrect. He told me to call XXXX to see the reason why Citibank didnt pay the check and to call XXXX with the reason. He also said a dispute report had never been completed and he would complete one. 
7. XX/XX/XXXX I called Citibank with the information. I spoke to XXXX and he said, didnt see anything in my file and no dispute report was in my file.

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 2019-11-08
Company: Deal Depot, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account balance with the company deal depot is significantly higher than what is reported on my credit. I have spoken twice to account representative in reference to this without much success. I feel due to this ongoing issue the lesser amount reported on the credit should be honored

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am a natural person & I'm a living human being. I have rights under USC 1681. I demand the accounts below to be removed. According to 15 USC 1681 I have the right to privacy and I did not give Transunion written consent. 
I've disputed these inquiries several times. They are fraudulent and weren't authorized by me and I want them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi XXXX  has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a Bum. 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 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 seven 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 accounts 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 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation