BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account went to collections and I paid it to XXXX. Barclays Bank Delaware and the collection agency is XXXX XXXX XXXX. I sent a copy of the XXXX balance letter to XXXX and it is still showing on my credit report as potentially negative with a {$0.00} balance.

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 2020-03-10
Company: EQUIFAX, INC.
State: MI
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 a credit repair company helping my husband and I repair our credit. They have sent disputes to all 3 credit Bureaus, XXXX  and XXXX  have updated our credit report accounts however Equifax has not. When I have called Equifax they said they never received anything from the company. When I have asked why they haven't updated our credit reports with updated information about our creditors accounts ( because last month we have paid down a lot of our dept. They told me that whenever they get the updated information from our creditors they will. When I told Equifax that I knew that they have the updated information because XXXX and XXXX  have updated their information. I got that I have to file a dispute. So I did. But I feel Equifax is not doing their job correctly. Something needs to be done. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Ally Bank on XX/XX/2019. Acc # XXXX ( XXXX XXXX XXXX ) I deposit the check of $ XXXX to my account from my friend ( XXXX XXXX ) that owe money a while ago. The account was suspended, asking me to submitted the info Social Card, ID, Utility bill, etc2 that was already submitted to them. 

i was going back and forth between XXXX and XXXX  since my youngest daughter just gave birth and my oldest son was lived in XXXX XXXX, XXXX   They keep insist saying that they cant verify the  payment from XXXX XXXX   eventhough its clear that the check has been cleared and deposit to my account ( see proof of clearing from XXXX XXXX  ). 

My friend sent email to XXXX with the documentation of the copy of the credit card and also the remaining balance transfer check. 

Last call with the rep name XXXX ( Rep code XXXX or XXXX ) saying that they cant verified my identity and the identity of my friend and i told her, what else i can provide them in order to have this thing clear and they aid nothing, they said they in process contacting XXXX to verify the check and the XXXX  XXXX already told my friend that nothing wrong with the check and it has been cleared from their end. 

Got another call after few days and they told me they will close the account and will confiscate the money because they cant verify my identity. What else should i provide to them since i have given them all documentation under the sun that i have. 

Please help.

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 2022-11-10
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Wednesday XX/XX/XXXX I reached out to the collection company explaining the amount is incorrect and I have email proof stating the correct amount of {$420.00}. The lady asked me to send her the email screenshots to her for proof. I have not heard back from the collection company. The manager, XXXX, from XXXX XXXX XXXX hung the phone up in my face when I told her I had the proof of the correct amount and to please help. Our XXXX XXXX XXXX rental lease ended the end of XX/XX/XXXX. We moved out the house before the end of XX/XX/XXXX. We were told we could but our keys in XXXX 's drop box and a house inspection would take place the first week of XXXX. The walk through house inspection happened on XX/XX/XXXX at XXXX and we received the email stating XXXX XXXX kept our {$1800.00} deposit and the remaining balance of {$420.00} was due to cover cleaning and bushes removal. 
It was been a very stressful journey trying the get the amount corrected. The collection company has not been helpful and the lady I spoke with was very rude and did not reach back to me regarding the correcting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 believe my personal information was breached and I noticed an inquiry on my credit profile and asked Transunion to delete it but the inquiry is still on my credit profile. Please delete this fraudulent inquiry from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: NAVY FEDERAL CREDIT UNION
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: Was not notified of investigation status or results

Complaint:
Both of my credit card accounts and checking account were closed by the creditor. I was not properly notified of this there was no investigation or any valid explanation as of to why my account was closed. The account in question is the secured card that I opened with my own funds of {XXXX}. They chose to close my account when i contacted the creditor their reason was due to fraudulent purposes but as of now there was no explanation of what fraud took place. I opened this account online and transferred the funds from my checking account that I had with them. I had about XXXX dollars on my checking account with them as well. They closed both credit card secured, non secured and checking account. As of now I have not been refunded any of my money. They canceled every and all relationship with me. Now they are reporting that I owe them {XXXX} for a secured card that I opened using my own funds as well as the the {$XXXX} balance on my unsecured credit card. I am requesting that the account be removed from my report also I am requesting a full investigation of the reason why my accounts were closed before I seek counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN
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:
Simmons Bank was able to fix the non reporting of my mortgage on XXXX and XXXX only. Currently XXXX still is not reporting my mortgage and this needs to be fixed quickly since my score has dropped due to this issue. Please help assist in assuring XXXX properly reports my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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 XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX BANK ACCT # 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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {XXXX} / XX/XX/2022

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 2019-05-09
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is a shady company and dont deserve to be in business at all they caused nothing but problems for us and caused nothing but stress and much more .... and we are not gon na Stand it ... we are calling them liars and a scam they have not tried to contact us at all or try to work with us in any way and they made it look like we never made a payment to begin with on our mortgage and now they are taking our home from us .... how are they even in business they should be shut down ...

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 2019-01-03
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX , NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$540.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance : {$4900.00} ; US DEPT ED 4XXXX Balance : {$3100.00} ; US DEPT ED XXXX Balance : {$2300.00} ; US DEPT ED XXXX XXXX : {$2500.00} ; US DEPT ED XXXX Balance XXXX {$4900.00} ; US DEPT ED XXXX Balance : {$6000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023 ; XXXXXXXX  XX/XX/2023 ; XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :

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 2022-11-10
Company: Experian Information Solutions Inc.
State: CA
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:
In proper use of my credit reporting 1. 15 usc 1681 section 6028 states I have the right to privacy. 2. 15 usc 1681 section 604 section 2 I also state a consumer reporting agency can not furnish your account without out my written permission. 3. In accordance with the fair credit report act XXXX account number has violate my rights.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-26
Company: EQUIFAX, 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:
I am being ignored by Equifax. Fraudulent accounts have been posted on my credit report from transactions I never had any association with. I can not get approved for credit and haven't been for a while now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am in the XXXX XXXX and XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was gone for 3 months. I am not allowed to bring my phone, even if I were I was on a boat for 3 months in the XXXX XXXX. I wouldn't have had service. When I left I locked my phone and credit cards in locked box under my bed. Whej I got back they were gone and I found out my girlfriend robbed me and stole my identity. She left me with nothing. I filed a dispute with my bank right away. I called the cops and filed a report. She was arrested and found with my phone and cards on her. She made a sworn statement trying to get out of jail so she admitted to stealing from me. Chime stayed I do not qualify for provisional credit because I was to late at reporting these charges. They told me they had to follow regulate. To my understanding reguye states section XXXX that if my circumstances are extenuating then the 60 days should be extended. I would say being in the boat in the in the middle of the XXXX XXXX  on a training mission is extenuating. I just want my mohney back. She stole everything even my identity. It's been really hard having this happen. I thought chime would handle it better I trusted them. Now I'm losing that trust

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX 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 XXXX has me at a score around XXXX. 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. XXXX XXXX. 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation