BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$860.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: GA
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Ally financial has sent me a debt on XX/XX/XXXX for a balance of XXXX. Then on XX/XX/XXXX for XXXX but a settlement for XXXX. I reached out to Ally financial for original documents for our agreement made. The papers sent back was with documents that I didnt sign personally and was forged. I was later informed that the dealership released employees for this exact reason. I received a letter in mail for a lawsuit ally fin. Inc. vs XXXX XXXX and XXXX XXXX. Where the debt was settle in court and I received a small payment on XX/XX/XXXX. On XX/XX/XXXX Ally sent another later still asking me to pay the debt that was settled in the law suite XXXX Its still reports on my credit making life hard for me. I would like for this debt to be removed from 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 explanation
Consumer complaint received 2023-06-21
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Ally indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. Ally continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to Ally 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 my name is XXXX XXXX and I recently reached out to TransUnion and XXXX to remove some Unauthorized inquiries. I hadn't checked my credit report in months and was shocked to see so many unauthorized inquiries. I suspect a family member may be behind this. 

Attached below are copies of my identification documents and identity theft reports.

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 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I reached out to Capital One In XX/XX/2023 to discuss hardship options. I advised them of my inability to pay. Capital One offered s Hardship APR reduction plan, under the false pretense they they were helping get the card current. I have been making the payments as agreed under the Hardship since XXXX until present. {$69.00} each month as been paid as agreed. This reduction would have kept the account current for 9 months XXXX payments. I noticed Capital Has started reporting this account past due and late for the past 90 days. This isn't what the representative told me when i set up the Hardship Payment Plan. Even Thought I am making the payments as agree they are still reporting me " LATE '' and PAST DUE. My credit has been crushed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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, these following accounts have violated my rights : XXXX XXXX XXXXXXXX ( # 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 ) 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 2018-05-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My complaint involves Santander Bank and their refusal to honor their zero-liability policy. They denied my claim for the very reason someone would file a claim. Apparently they denied my claim because the fraudulent charges were made within walking distance of my last valid transaction. I didnt know thieves were supposed to adhere to strict guidelines when stealing someones debit card. Also, they said the chip was used in the debit card. Hmm, when they stole my debit card they also stole the chip embedded inside the card??? No kidding, geniuss! Also, the PIN was used. Not sure how they got the PIN, but my last transaction was PIN-based and they could have seen me enter it. Who knows? The fact is, I didnt make these charges ... XXXX for {$17.00} on XX/XX/2018 Cash Withdrawal for {$800.00} on XX/XX/2018 Cash Withdrawal for {$180.00} on XX/XX/2018. Santander needs to protect their customers, not throw them under the bus.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: MI
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:
Due to covid I had been on a forebearance with XXXXXXXX XXXX. This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX  XXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. Covid came and destroyed the little guy and the big mortgage company XXXX came to finish us off.

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 2022-07-12
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, I have a plethora of unauthorized hard and soft inquiries reporting on my credit profile, a few are from one company and others are from some I wasn't even aware existed. The amount of inquires leads me to believe my credit may still need fraud protection which should be in place on two of the three bureaus.

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: EQUIFAX, INC.
State: IN
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:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and XXXX looking to purchase however these are fraudulent inquiry that hurts my credit score - XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citi Aadvantage Mastercard ending in XXXX. I dont actively use the card and I received an annual fee of {$99.00} in XX/XX/XXXX. The payment was due on XX/XX/XXXX and I remember making the payment on due date but it posted on XX/XX/XXXX. While the statement didnt close until XX/XX/XXXX, Citi charged me {$30.00} late fees and finance charge of {$1.00}. I had no idea that this late fee and finance charges were on my account. Then in XXXX I received another late fee and finance charge. Now I had a balance of {$63.00}, all made up of just late fees and finance charges that were initiated by a payment made on time but posted a day late. I only noticed because I was just checking my accounts online and saw that my account is past due. 
I called Citi because my main concern is being reported to the credit bureau. The customer service agent said he could only waive 1 late fees and I need to check with credit bureaus if this account was reported late. 

I just made the payment of {$63.00} but am writing this complaint because I feel this was unfair to be charged late fees and finance charges for an annual fee on a card I dont use. Yes, I should have canceled the card if Im not using but the flip side is that Citi should also have been a bit customer friendly and waive these late fees and finance charges that originated because a payment was posted a day late.

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 monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: NJ
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 have called Equifax, XXXX, and XXXX to explain they have multiple inaccuracies on my credit report, and have for 3 years been sending letters, with barely little coming off my report as deletion. Within that, I havent been able to be approved for vehicle loans, home loans, even lines of equipment for my business because my personal credit is XXXX fico - being that NONE of the companies have reported correct information when given, or anything of such. Its been 3 years and now having more information, Im doing anything and everything I can do go to court with each of them in regards of getting my life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Due to covid I had been on a forebearance with XXXXXXXX XXXX This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX XXXXXXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. XXXX came and destroyed the little guy and the big mortgage company XXXX came to finish us off.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was notified by XXXX XXXX XXXX that someone opened a store credit account in my name without my knowledge on XX/XX/2023. I was told the credit card application was instantly approved for {$400.00}. That person then attempted to use the card at a store in Florida on XX/XX/2023 but the transaction did not go through. 

The inquiry for that credit card application is on my record and I would like to dispute that inquiry since it lowered my credit score. Please advise.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX : XX/XX/2020 Amounts : {$2400.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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 explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Dates : XX/XX/2020 Amounts : {$2400.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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 explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
they wont provide my notice of approved and my written wett ink signature .so XXXX XXXX mainly are taking info off and reporting back months latter its been a year dealing with this obviously all three agencies are insuating their okay with me filing a federal claim for their willingly and knowing deceptive acts .i get denied but they extend my credit .and in these reports they give to others doesnt have correct info i should have zero late payments. they are providing credit transaction when i extended my credit im the only one submitting ftc police report doing my obligation. they keep saying i need to give them mysecuirty info to my login cause the secuirty question they ask is the question for resetting password and they asking question with out the muliple choice answer. XXXX and XXXX. obviously their intercepting problem because they resetting logg in they good liars. i had rep today state they will not unfreeze my credit freeze i verified all my info automated machine when verifying what they reporting is in correct. .but same info i give rep honestly XXXX has secuirty issue their not aware off. i have a bank for the last two weeks been reminding me to unfreeze XXXX report. every day i waste hours getting extorted for info .you guys need to audit these agencies also a supena and analyze their calls youll see what they do right in front of you.i need my credit report unfreezed from XXXX i need them to provide in 24 hours my written signature date time the sent them giving my consent any agenencies or crediotr can report to 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 explanation