BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have additional information regarding my request to BLOCK accountXXXX XXXX XXXX fraudulently furnished on my credit file. Be advised that I do not have any liens in my name related to this account and have attached the MA Secretary of State 's certified report reflecting such. 

In addition, EXPERIAN failed to provide me with the material proof, which I requested XX/XX/2022 via CFPB # XXXX, that led them to determine that the XXXX XXXX account is actually mine. I've received two notices thus far on XX/XX/2022 and XX/XX/2022 stating that EXPERIAN has verified the account in question. Reference correspondence has been attached. 

NOTE THAT ANY RESPONSES FROM EXPERIAN SHOULD BE SUBMITTED VIA THE CFPB PORTAL AND NOT VIA ANY OTHER DELIVERY METHOD.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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

Complaint:
I opened a new savings account with Discover Bank. When I tried accessing my account their fraud department had put a freeze on the account. I've tried calling in on numerous occasions to clear this up and it is always a 2 to 3 hour wait time. I finally reached someone on XX/XX/XXXX and was told they couldn't unfreeze the account until after XX/XX/XXXX because they needed to wait for the XXXX to clear, even though it had cleared my bank on the XXXX. So now today XX/XX/XXXX I tried calling again and after XXXX XXXX they disconnected my call and no matter who else I call at Discover I am told the only ones that can help is the fraud department. This is a terrible system and I just want to move my deposit to another bank that has a better system of customer service. Please tell them to give me my {$25000.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BARCLAYS BANK DELAWARE
State: AZ
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 submitted a previous complaint, ID XXXX. It was closed when the company, Barclays credit card submitted a letter to CFPB dated XX/XX/2021 stating that checks were in the amount of {$1000.00}. XXXX and {$0.00} were released to me and it would take XXXX XXXX XXXX business day to arrive. 
Today is the XXXX of XXXX and no check has been received by me. 
Also one check payable to Barclays Bk Delaware fraud Dep at my home address, dated XXXX XXXX, 2021 was mailed and received by me ( see attachment ), in the amount of {$1000.00}. This does not make any sense that the check was not payable to me and the inside address on the letter showed Barclays Bk at my address, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, AZ. The funds were owed to me by XXXX XXXX to my credit card ending XXXX as a result of a flight cancellation. However, I had cancelled that credit card about XXXX year prior to cancelling my XXXX XXXXSee my previous complaint. 
It seems to me that Barclays is commiting the fraud. No interest has been calculated from the time XXXX deposited the monies. I am sure the bank is accruing interest. If I don't recieve the funds in 10 days I will contact my Senator and my House representative. You should not have closed my previous complaint until receiving communication by me that the corrected check was received and deposited by me. 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 2020-10-18
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has not held a proper investigation into several fraudulent accounts listed on my report # XXXX. They are in violation of the FCRA. I have disputed these accounts to no avail.

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 2023-12-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy.

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b.

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by XXXX, Equifax and XXXX. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time. 

I kindly request the removal of the following accounts from my credit report : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account Number : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account Number : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: MO
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:
UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE XXXX  XXXX XXXX MY REQUEST TO RELEASE MY MEDICAL INFORMATION TO YOU, CREDIT BUREUA, I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( XXXX )! 
Acct Name 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 ; Under the Health Insurance Portability and Accountability Act of 1996 ( XXXX ) XXXX I reserve the right to protect the privacy of my personal information and medical, records from all third party reporting agencies. Continuing to report this XXXX debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 XXXX I really, really upset of what Remitly fixed my problem. So this morning, I got the notifcation from the Remitly app said that I'm transfering money, but I didn't do anything, so I guess that was a fraud. So I immediately went on the app, and I saw that the hacker transfered {$40.00}, {$500.00}, and {$1500.00}, and the hacker were about to transfer {$960.00} but I quickly cancelled it. Next thing, I reported to Remitly, and they said they will have a team to investigate my case. After few hours, I got an email said that my account got locked due to unusual activity, then I called them and they said they will try to get a money back. Few minutes ago, I chatted with Remitly again to see how's it going, and they just said I need to dispute a transaction from my bank. Why can't they just call me, or email me what I should do quickly so I don't have to waste my time waiting for them. They just gon na told when I asked. And they also the one has responsibility because they let hacker did into my account and transfer money somewhere, XXXX. I really really angry about this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I leased my car via Ally Financial. At the end of lease term, a check was mailed via USPS to purchase my car on XX/XX/23 and was delivered on XX/XX/23. The check was cashed on XX/XX/23. In late XXXX, I got a call from the lease purchase department stating that the payoff could not be accepted because the lease was under my name, XXXX XXXX, and the check was drawn from my wife, XXXX XXXX bank account. Even though we told him that California is a community state and it should not make a difference. The representative indicated that their institution considered my wife as a third party who is not allowed to purchase/pay off the loan on my behalf. I was told that a refund would be issued and I would mail in a replacement check from a bank account with me as account holder. On XX/XX/23, I did not receive the refund check and talked to XXXX XXXX at Ally and was told that refund check was forthcoming. I requested to speak to supervisor and never received a call back. I called on XX/XX/23 again and talked to XXXX XXXX. He told me that the refund check was approved on XX/XX/23 but and should have been sent to me. XXXX said that he would contact the payment processing center to see when the check was mailed and whether it was cashed. But I never got a call back. Later on XX/XX/23, I made a complaint to Allys website and XXXX from executive customer service department called on XXXX at XXXX PDT. When I called back only to learn that his department closed at XXXX PDT, so I left voicemail. Today XXXX I called twice, left messages again and never got a call back. So it has been over 50 days since my payment processed and I still did not have title to my car.

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 2023-01-17
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected and deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I received a text on my cell phone claiming to be from Ally confirming a potential fraudulent charge on my account. I logged into the web banking, saw the pending charge, so responded " no '' the text. I immediately received a call from " Ally Bank '' and they asked my security questions and verified the charges that were on the account. After confirming the couple charges were fraudulent, the person on the other line said they would send out a new card. After a few days of not receiving the card, I got a call to verify a code on my phone. I got suspicious and hung up. I checked online and my mailing address had been changed and the new card had been sent to the incorrect address. I called into Ally, got everything straightened out, and got a new card sent again. It arrived on XX/XX/XXXX. I activated the card successfully and I tried to use it and it didn't work. Called back in and they said the account was locked again. At this point I was getting multiple calls from different numbers, not knowing who was legit. I finally just called in and requested the account to be closed. I was assured it would be done. It is now XX/XX/XXXX with no movement. I call in and no one will tell me anything. They will not give me a timeline of when the account will be closed and when I will be sent my money. They will not let me speak to any supervisors.

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 2023-05-04
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have report applied bank as a fraudulent account I even call email them sent theft report to them they still reporting this account .then Equifax is reporting old data to the creditor who is trying to let me have loans a call them the same guy put XXXX hard inquiries on my credit.. I believe this is a inside job to stop me as a XXXX XXXX to get any thing in life..also XXXX made agreement to remove late payment and accounts but didn't remove them..XXXX agree to remove late payment but didn't do so .. XXXX..was a fraudulent account by a credit repair company and also XXXX XXXX XXXX..was by the same credit repair  company..but they want remove the late payment or the account.. 
...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Please update to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my American Express Platinum card since XX/XX/XXXX. I never made a late payment. 
IN XX/XX/XXXX, I encountered fraud in my account. I called American Express to dispute two charges and was told I wasn't responsible for the balance that is being disputed, In XX/XX/XXXX, American Express closed my account. I called American Express Platinum customer service and they directed me to an office in Arizona, I was told to pay the balance that I disputed ( even though I was told not to, as they were investigating the fraudulent charges ) and they would reinstate my account, as they made an error. So I subsequently paid the {$1900.00} disputed balance in full ( even though I didn't make the charges ) so that I can have the card reinstated. American Express did not re-open my account and I was never credited for the fraudulent charges. I have called and sent them letters to re-open my account as I had points I never used, and I am still not credited for the fraudulent charges that I ended up paying for in addition to late fees that I was charged. Since I had the account since XX/XX/XXXX with excellent payment history, by closing this account with such a long history my credit score subsequently went down by 30 points in one day! And American Express Platinum also reported me 60 days late and charged me with two late fees, that also made my credit score decrease! Derogatory items stay on your credit for 10 years. Now my credit score is XXXX to XXXX for all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXXXXXX Are furnishing late payments in my credit report, this is XXXX And has violated my rights as : 15 U.S Code 1666b- TIMING IF PAYMENTS, as it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definitions ; rules of construction- Exclusions-

Except as provided in paragraph the term consumer report doesnt not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2023-01-17
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX, I did a balance transfer through my Capital One app, for {$13000.00} from my Capital One credit card to my husband 's XXXX debit Master Card. 
We found out the next day that the debit Master card does not accept incoming balance transferred and called Capital one to put a stop to it, which was not successful. 
We have been waiting for 3 weeks and calling them regularly to cancel the transfer and refund the money with no luck. We were told the transfer would be rejected after 2 weeks and the money refunded but that did not happen. 
We have called XXXX as well and they said they have not received the transfer and the account does not accept balance transfer and there is no way for them to track the transfer and we have to ask Capital One for the refund.

Company response to consumer: Closed with explanation