BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX after speaking with multiple customer service representatives I was denied paying my car note through any online or over the phone service with ally due to the accusations of them trying to pull my car note multiple times and I was told only money order XX/XX/XXXX ally got both XXXX and XXXX money order in the amount of XXXX. On XX/XX/XXXX the XXXX payment was sent the exact way through XXXX in a money order they shows it arrived to the XXXX box XX/XX/XXXX. Ally have told me over again they cant find it as well as call back as well as its negatively affecting my credit score. I was grab told that XXXX XXXX XXXX not checked daily use another which I sent XXXX payment to with still no answer on the XXXX money order to be told today to try to get a refund and resend them but never told how I would be covered with delinquency going on my credit! This is unacceptable I have been with ally since XXXX down to my last two years and they are ripping me off Im losing money and bad credit score because they dont want to investigate internally to see where the money orders are they havent even been attempted to be spent as I track them which they also have the serial numbers on!!!! I will contact a lawyer to move forward

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau. 
12 ) The credit bureau 's have not responded to my initial or Demand Lette.

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: Account status incorrect

Complaint:
Subject : Credit Dispute and Demand for Removal of Unauthorized Items I am writing to formally dispute and request the immediate removal of certain unauthorized items from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). I have provided the necessary details below for your reference : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA, I have the right to request an investigation into any inaccurate or unverifiable information on my credit report. I kindly ask that you remove any items that the respective creditors can not substantiate. As per XXXX U.S.C. Sec. XXXX ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter. 
Furthermore, I would like to bring to your attention that the following accounts, which were part of my bankruptcy, are still erroneously appearing on my credit report under collections accounts. They should have been removed when my discharge was finalized. I have attached a copy of my bankruptcy documentation for your review : XXXX. Account : XXXX XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX. Account : XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Account : XXXX XXXX XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX I Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I kindly request that you promptly investigate these accounts and remove them from my credit report as they are unauthorized and should not be negatively impacting my credit history. 
I appreciate your attention to this matter and expect a timely resolution. Please provide written confirmation once the necessary corrections have been made to my credit report. 
Thank you for your time and assistance in rectifying this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, 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 2023-02-28
Company: Torriere Holdings INC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have another complaint for the same company. In the original complaint, they reached out via phone and my wife didnt identify herself. The guy still proceeded to give the email address and address to the unidentified person ( which thankfully was my wife. Then Im their response they said they were going to stop contact with me but didnt. They still emailed my wife. Now we get a random email to my wifes phone email with no context other than a name and phone number. Supposedly proof that the debt is valid except they didnt send everything to validate the debt. They sent the documents without protection on it, so thankfully my wife still had access to that email. So many times my privacy has been violated. Even if it was with my wife. They didnt know that and willingly gave away my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Avant credit card company has been applying late fees of {$39.00} to my account two days after the due date!! I have called to ask if they could move the due date to the first of the month due to my XXXX check being deposited into my account and was blatantly told no. Then when I was speaking with the customer representative she refused to connect me to her superior and when she finally did, he did not attempt to help in any form or fashion and had me on hold for over an hour. I am a XXXX XXXX  veteran and this is XXXX  XXXX as to how Avant customer service is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NH
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 update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting a house

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 2022-11-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Well it has happened so many times already and the past and they haven't still gave some of my money back and I really need it to pay my bills I'm really behind, it has effected me and my family a lot and recently I have had transactions that I haven't authorized taken out my savings account by someone again I have made the money back but want that money I worked hard for back too and the money that was taken from me in the past too I had almost XXXX in my savings taken away from me and that's not ok at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and want my money back. The bank is Wells Fargo it happened multiple times and I lost money to XXXX too and never got it back 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 2023-03-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX 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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2023-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Between entering into a real estate transaction and the actual closing, the Attorneys e-mail address was purportedly hacked. The Attorneys name for the closing was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. His contact information is XXXX ( XXXX ) XXXX and ( XXXX ) XXXX. 

The total wired funds from USAA ( {$30000.00} ) and XXXX XXXX XXXX XXXX ( {$39000.00} ) were in the amount of {$69000.00}. Both banks indicated having received red flags over the wire transactions. 

The Attorney ( XXXX XXXX ) indicated in an e-mail that he was filing a claim with his insurance company ( this may or may not be true ). 

On XX/XX/22 a partial payment of {$3000.00} was returned to me from USAA. I spoke with USAA over the phone about this several times and each time was told to contact the receiving bank ( XXXX XXXX ). XXXX XXXX refused to give me any information since I am not a client with them. USAA indicated over the telephone that the {$3000.00} was made by XXXX XXXX XXXX from account ending in XXXX. 

The address and contact information for USAA is XXXX XXXX XXXX. XXXX XXXX, TX XXXX USAA ( XXXX ) XXXX XXXX A series of telephone calls between USAA and the receiving banks resulted in USAA telling me that the remaining funds in the amount of {$26000.00} would not be recovered. XXXX XXXX XXXX XXXX returned the total amount ( {$39000.00} ). 

I believe USAA should pay me the {$26000.00} ( like XXXX XXXX did ) as this was a fraudulent event. This fraudulent event was reported at the XXXX Police Department and has a Case Number of XXXX. I also have a copy of a IC3 report with the FBI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 credit cards with Huntington Bank. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in each account all above the minimum amount owed. My statement comes out on the XXXX of each month. I received a notice that my XXXX payment had not been made. I contacted the bank to tell them that I had made my XXXX payment XX/XX/XXXX, two XXXX payments XX/XX/XXXX and XX/XX/XXXX and my XXXX payment on XX/XX/XXXX for each card. They said that since I made the XX/XX/XXXX payment two days before the statement came out it could not be put towards my XXXX statement and the XX/XX/XXXX payment would have to count towards XXXX. When I complained they said they could not do anything about it. I spoke with the credit department, a supervisor with the credit department, and two personal bankers on 2 occasions. I was given the runaround on each occasion. I got a {$27.00} fee for each account, inexplicably they refunded the XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX, reported 2 missed payments to the credit reporting agencies and lowered my credit limit " due to poor credit '' because of their reporting. I was out of town much of that time due to the holidays so I was trying to be proactive with my payments leading up to the holidays now my account is a mess, my credit has been lowered and my credit score is also a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a medical bill resulting from a childbirth, and was covered by Medicaid, we have attempted everything we can to resolve with the agency, they repeatedly tell us they do not care, this is the second or third time they are trying to garnish my wages for a debt that shouldn't exist

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; 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 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 explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: OR
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:
My lender was unable to check my credit score. After several days of trying to contact Experian, I figured out that Experian has a wrong SSN on file. I started dispute, but ended up seeing that Experian can not do this online. Website provided me with the report number and telephone number to call and speak with a dispute specialist. However, as with any other phone number Experian has, this phone number was answered by the same answer machine, that did not let me speak with a specialist, and did not have any suitable option, offering absolutely irrelevant choices. I tried it for 3 days and spent several hours total, but couldnt get through it. It seems there is no way for a consumer, whose information was distorted or misused by Experian, to fix the issue, as Experian does everything it can to neglect and disregard consumers needs.

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 2018-01-08
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX i spoke with XXXX at the Office of the President for Santander Consumer with regards to my car loan. On this call, he stated that the payment ( s ) for both XX/XX/XXXX and XX/XX/XXXX were to be deferred, yet they reported them as late to the credit bureau. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received notice that a credit card debt collector has my account. This charge was for over {$500.00} on a Amazon account. I tried to verify what was ordered and this debt collection referred me back to Amazon. The Amazon folks told me that the account was written off and there was no records of the transaction. So I called back to the debt collection and they could only give me the Address of the company. It is XXXX XXXX XXXX. XXXX Fl. XXXX. 

I can't imagine what I could have ordered that would cost that amount. 

This charge was XXXX and I am just hearing about it, I think, just because I am retired and a XXXX years old they can take advantage of me. Or the account was taken over by those who do this for a living. 

The debt collection company had the wrong address. I never lived at this address. It isn't even in the same County, as I live in. 

So it is like this. The debt collection company has no record of the transaction or what I was suppose to have purchased. Amazon has closed the account and has no record of this transaction. They want me to pay over XXXX. This is on my Credit Report. it ie funnry It sounds like a scam to me. I am trying to get a Reverse Mortgage and this is keeping from this. 

What can I do about it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation