BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: Freedom Mortgage Company
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
See previous Complaint # XXXX. Regardless of complaint closure, I continue to disagree with FMC policy of maintaining $ XXXX annually, interest free, in escrow account. FMC claims " required '', which is not true - that amount is actually the maximum they are allowed by law to retain. Policy is unethical and unfair to customers.

FMC did subsequently agree to escrow ( re ) analysis, and I worked with rep XXXX XXXX during XXXX to accomplish. I paid the monthly principal and interest due ( {$1400.00} ) on XX/XX/XXXX, to avoid any late fee or negative credit reporting, even though XXXX XXXX previously agreed to waive any late fees. There were some reasonable delays in the process due to the successive XXXX and XXXX XXXXXXXX XXXX holidays. After the escrow ( re ) analysis was completed, I promptly paid the new ( reduced ) monthly escrow amount ( {$630.00} ) on XXXX. Despite our good-faith work together, FMC improperly delayed posting the XXXX payment amounts and subsequently reported the mortgage account as negative. 

I paid the new monthly payment total amount ( principal, interest and escrow ) for XXXX  ( {$2100.00} ) on 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 2023-11-09
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/15. Someone changed my Bank of America online username and password. They XXXX transferred XXXX from my saving account. I called in the fraud department and cancelled the transaction. Later they changed my user name and password again, made an transfer about XXXX dollars. I told the agent to freeze my account and not authorize any transactions. 
Same day, my XXXX account, someone changed my username and password, they transferred my money from saving account to the checking account, and trying to withdraw XXXX dollars. It was declined, but was not able to log in to my online banking. I wasnt able to follow Up if there is any further unauthorized transactions. 
XX/XX/15. Some one went to the XXXX XXXX and authorize an check of XXXX, it was pending, so the customer agent wasnt able to dispute the transaction. I was not able to access my online banking, couldnt see any more unauthorized transactions. 
Later, I realized that my phone number was stolen and I notified the company the phone number is associated with fraud activity.

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 2020-12-24
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference complaint : XXXX In the company response, they state that the move out inspection was completed in XXXX so I still owed the balance. I am submitting proof that the move out inspection was completed in XXXX. The original creditor is lying. Remove this from my report. 

I have already submitted the requirements for SCRA. We stopped the lease when we got notification because the original report date was XXXX. We got them to push it back to XXXX to give us time to register our kids in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The issue is My ex wife ( XXXX ) is listed as a joint card holder on this account and we both feel that is an inaccurate description. I am the only person who ever applied for this credit card back in 1993. XXXX might have been added as an additional cardmember sometime over the course of the 26 years I've had the card. In fact years ago I cancelled all cards except mine and specifically requested that I be the lone cardholder with any and all responsibilities toward future charges etc. Since that time XXXX has not access or a card but has continued to be listed with credit companies as a joint cardholder. XXXX called Discover months ago and they specifically told her the only way to remove her from the account was for me to take sole position of all debts and responsibilities in the final divorce decree ( which I did ). 

On XX/XX/XXXX I spoke with XXXX XXXX at Discover 's CEG team ( this is supposedly the highest department that deals with disputes at Discover ). I also spoke on XX/XX/XXXX with XXXX ( who claimed to be the manager of the department ). I was told the exact opposite information, meaning they can not and will not remove XXXX from Joint responsibility because she is a joint cardholder. I have asked numerous times for proof of this information and so far have received nothing. 

My belief is that I am the sole responsible party for this card and request that XXXX be removed and have all credit reporting concerning this account cease in relation to her. 

If not, I am requesting proof in a timely manner that XXXX is in fact responsible for the account. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was having trouble logging into my account on Webster bank previously known as sterling national bank staff at XXXX facility were not very helpful telling me i was doing something wrong ; when in fact there was something wrong with the site itself. In the meantime i finally got someone named XXXX to help me solve the problem ; in the meantime someone had wrote a fraudulent check for {$20000.00} out of my account. When i received my bank statement and saw what happened i went directly to the bank in XXXX and they said to come back the next day and they would help me they told me that the transaction was done 3 weeks prior and there was nothing they could do. They closed the acct and had me open a new one. No one at the banks are giving me any information. When i asked them why they would approve a transaction like that without my approval they had no comment. They are not being very cooperative with myself nor providing any information to the investigator that is working the case Please help me figure out the next steps to receiving that stolen money back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter XX/XX/23 saying I owed {$250.00} for an XXXX XXXX account that I do not have. 
I.C. System Inc. 
XXXX XXXX XXXX XXXX XXXX MN 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 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution.  XXXX directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. XXXX claims they recieved the alert from XXXX, who claims Transunion initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.

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 2023-09-20
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my Ally.com bank account in XXXX of XXXX. Last month, on Friday XX/XX/XXXX, I e-deposited two checks of a close family friend and his elderly mother in the amount of {$1200.00} and {$730.00}. The checks were to reimburse me for airline tickets, I made for them with XXXX XXXX  and XXXX to fly between XXXX XXXX and XXXX XXXX for family functions the year prior, as I put the charges on my credit card. ( In away it was a loving kindness on my part to them, as I laid out the money, and waited for almost a year to be reimbursed ). 

Then middle of the night, on XX/XX/XXXX, I got an e-mail " Action Required : Call us to verify some information. '' We restricted your accounts because we detected suspicious activity on XX/XX/XXXX. You may not be able to log in or transfer money out of your accounts.Call our loss prevention line at XXXX for help with your accounts. Were available Monday through Friday from XXXX XXXX XXXX XXXX XXXX and on weekends from XXXX XXXX XXXX XXXX XXXX So I called Ally Bank immediately but was told their Loss Prevention department is closed, and I called again during business hours and the agent talked with an extremely pleasant and friendly tone, asking me a few questions, and she told me that they are going to investigate, and if the checks clear then everything will be okay, and my account will be re-enabled. 

On XX/XX/XXXX, I got an e-mail : Ally Bank Alert - {$2000.00} | You have a debit transaction over $ XXXX : XXXX Debit Memo Date : XX/XX/XXXX On XX/XX/XXXX, I got an e-mail : Ally Bank Alert - {$32.00} | You have a debit transaction over {$0.00}. Transaction : XXXX  Closeout w/ Interest/Dividend and another e-mail with the subject : Your Ally Bank account is now closed -- I got a check in the e-mail in the amount of {$32.00}, but I called the bank to speak to them, and after verifying the security questions, the representative transferred me to the loss prevention department , who again asked to verify the security questions. And then the representative immediately tells me, I can not speak to you and hangs up on me. 

I called again Ally Bank, and I explained to the representative what happened on the previous phone call. He put me on a hold for a few minutes and then transferred me again to Loss Prevention, and then the representative in a tone that sounded angry, and he was reluctant to provide any information, and I wanted to know what happened to the funds with the checks that I deposited. He said we are an FDIC insured bank and we do not keep other people 's money. They were reluctant to provide me with any further information. I have yet to receive anything further in the mail, other than a check in the amount of {$32.00} Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Why are you Im calling for the impound a XXXX  this paperwork how can you find it? This guy asked me why you ask for that my vehicle what is the actually you dont say I dont have it because I give you all my receipt number everything he say how can I find this paperwork? OK what do you call Ally Ally say I give you these people walk so she dont know I dont understand whats going on my vehicle might be a vehicle already XXXX off what are you and XXXX he say another he charge I did. I dont know if you see this does god allow his son for the paperwork if you want to sell or he asked me like that because actually visit actually vehicle impound I got called in XXXX XXXX body. How can you find for this paperwork you can give me a fax with it for me I see I can get a consult with affects. How old is XXXX fast this confused? How can you find these 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 2022-04-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-12-27
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/2020 I signed up for Lexington Law services. Later that day I found a Lawsuit filed by the CFPB against XXXX XXXX XXXX, and XXXX XXXX, XXXX d/b/a Lexington Law Firm. Since I found this information I cancelled my account and revoked permission for Lexington Law to debit my bank account or credit card. This morning I discover a pending charge on my bank credit card for {$71.00}. this charge was made AFTER I sent a letter indicating this account is to cancelled and received a reply from Mr XXXX XXXX indicating this account was closed. The lawsuit proves the allegation by the CFP. That the individuals named above d/b/a Lexington Law Firm are bilking consumers out of money. I decided I do not want the services if Lexington Law, was told my account was cancelled, and still ended up with a charge " after I revoked consent ''. If possible I would like to join the lawsuit. These people are taking advantage of consumers by stealing funds from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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:
I have wrote letters asking for an investigation of a couple accounts that's listed on my credit report. I either get stall letters from XXXX stating that I don't have a credit profile or I can't use a third party. I have never used a third party and I have sent letters with legal documents to correct my personal information so I can get a proper investigation. I have informed XXXX, equifax, AND XXXX  of the accounts in question and they send me letters just saying the account was verified. I asked for the method of verification along with additional information and they continue to send me letters stating the investigation is complete and verified. They don't tell me how it's been verified. Also, they are reporting different information from other credit bureaus. I have submitted disputes about this as well and asked them to delete these accounts, if all bureaus are getting the same information from the same company they should not be reporting different information within all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX REPORTED INFORMATION NOT MINE OR INACCURATE INFORMATION VIOLATIONS SEE ATTACHMENTS

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