BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Their investigation did not fix an error on your report

Complaint:
XXXX. Supposed to be a credit line helper with a debt card. App issues continue not resolved. Business employees refused to acknowledge. I paid to card as suggested. They took from card for payment as agreed per email. Report reflected. Due to the repeated harassment I closed card. Time consuming. Seems to push certain people put. Only want job incomes. I closed. I paid in full. Not been updated on report. Reflects late falsely. I disputed. XXXX lied and just refused. XXXX lied and said i was not. They want to go back and alter report instead of state closed and paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-04-12
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had an ongoing issue with Ally Bank where they wont resolve an issue figuring out why my refund hasn't processed Recently My balance went from XXXX to XXXX due to a double charge and no one can tell me why, every time i call i get difference answers and suggestions. They say they escalate things and i never get responses

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XXXX of 2023 I requested a dispute request to be initiated in regards to incorrect information being reported on my credit report. It has now been more than 60 days and these matters have not been resolved. There still is incorrect information on my credit report and I have not received any type of response that these matters are even being investigated.

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 2022-03-21
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
Amex Hard Inquiry Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within 60 days this is still not removed. 

XXXX Hard Inquiry Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within 60 days this is still not removed. 


XXXX Hard Inquiry Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the Bureau of Labor and Industry that my information was compromised as a result of the XXXX  Claim system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: AZ
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 multiple to verify and confirm accounts within my credit report and nothing has been confirmed as the bureaus can not confirm whom they have spoken with that verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have a student loan that is supposed to convert into a scholarship for each year I work as a nurse practitioner. Due to a 3 month maternity leave, there has been back and forth about the final date I am still under contract. I last sent an email to XXXX on XX/XX/XXXX and I have been waiting for a response to know how to proceed as Ive been given multiple final dates and not received clarification on issues with this account. Regardless, the account is supposed to be deferred and I have never been told any different. XXXX submitted to my credit report that I have now been late twice on payments which has caused my score to drop to the XXXX and refuse to remove it after I disputed it. I have all e-mail communication with XXXX, first with them telling me my account would be due XX/XX/XXXX. I also have my last unanswered e-mail dated XX/XX/XXXX to XXXX XXXX asking for clarification to my due date. I have tried in good faith to make every effort to make sure I have fulfilled the terms of the contract and I would like the negative remarks removed as they are not valid.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received phone calls on my personal cell phone from Ally Financial , Inc. ( " Ally '' ) every weekday morning for the past two weeks. Ally is calling to collect on a debt owed by someone who I do not know and have never interacted with. Each time they have called, I have told Ally that they have the wrong number and that I do not know the person they are trying to reach. I have also requested multiple times that Ally stop contacting me because I am not the person that they are trying to reach. Further, I do not have a bank account with Ally Bank and have never utilized any of the financial or lending services offered by Ally Bank.

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 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My ex girlfriend used my information and signed up for unemployment and received my prepaid card with money that was put on it on XX/XX/2023. Please cancel that card

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 2022-03-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Im writing this letter concerning the SANTANDER XXXX account listed on my credit report which is owned by my ex-husband. I have the court order from the divorce decree that Im not held liable or responsible for the vehicle that I co-signed with my ex-husband. This vehicle continues to report even after the date the court order was given and the divorce decree was granted. It is tiring and expensive going back and forth sending dispute letters to the bureaus and they do not mind reporting the same inaccurate information over and over. Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurately, I request deletion immediately. This reporting is totally ruining my credit rating which is the effect of losing the current home that Im buying for my children. I already submitted all the necessary documents and disputes to the bureau but no action has been taken and they keep reporting this account which should be deleted in the first place. I demand the immediate deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Problem with personal statement of dispute

Complaint:
XXXX, XXXX, & TRANSUNION are reporting a bankruptcy on my credit report and they did not obtain the information from the XXXX XXXX XXXX XXXX  per the letter attached from the Bankruptcy Dept. Per Fair Credit Reporting Act, Section 609 they have violated my rights by providing false information obtained illegally. Im requesting the credit bureaus remove from the bankruptcy from my credit 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 non-monetary relief
Consumer complaint received 2020-03-11
Company: Reliant Capital Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For 10 years a collection agency, Reliant Capital Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, acting on behalf of the state of XXXX, has been trying to collect unpaid income taxes for XXXX in the state of XXXX. 

I have not lived in the state of XXXX  since XXXX. I have sent this company W-2s from my employers for XXXX showing that I lived and worked here in XXXX XXXX. I have sent this collection agency a letter from the power company showing that service was provided to me throughout XXXX here in XXXX XXXX. I have sent his collection agency paper copies of my power bills in my name at a XXXX XXXX address in XXXX. I have sent this company EVERY SINGLE paycheck stub ( 26 ) showing I was living and working full time here in XXXX  in XXXX. I have sent this company letters of employment verification from my employers during XXXX saying that I was living here in XXXX XXXX. I have sent this company a statement from my pension manager showing they reported me working full time here in XXXX XXXX in XXXX. 

For whatever reason they will not accept any of this documentation or tell me they never received parts of it. I have sent all of these documents to them multiple times ( mail, fax, email ) over the course of 7 years! Now they are trying to garnish my federal tax return. 

This needs to stop. Its getting way past the point of harassment. This has been going on for 10 years!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
1. I have paid off two Citi cards on XX/XX/2020, one for {$270.00} and the other for {$110.00}. I paid a total of {$380.00} and paid by phone. The lady from Citibank took my money and told me that both cards were closed, apparently neither card was closed. Because Citi Card continues to debit my bank account. I believe Citi cards deceive and discriminate against XXXX cardholders. Because we are XXXX cardholders, Citibank Cards do whatever they like to make false statements to continue debiting our bank accounts, took our money from our bank account. 

2. And also from the last statement I received from Citi Card, I  did not see Macys transition statement from my account that is deception and false and fraud statement.

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 2020-05-01
Company: EQUIFAX, INC.
State: AL
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo settlement. I had a mortgage, checking and savings.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$170000.00} XXXX  XXXX XXXX Balance : {$490.00}

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 2020-05-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo mortgage Transferred my loan with out my knowledge, after having my loan for 13 years. With the mortgage I had a free bank account. that I'm loosing because of the transfer. Now before hand, I was one of the MERS. ( Mortgage Electronic Registration System ) Account holders. That lead into a mess of Fraud taking  place with mortgage paperwork. Anything that has fraud in any legal doc, should be obsolete. My lawyer looked into this matter and told me that they're are other matters of fruad going on with my mortgage that Wells Fargo implemented to me. Even though they forced me to get 3 months behind in 2014 to get a modification, they told me that's the only way to bring down my payments & rate. I realize most importantly for me to resign the new paperwork to make it legit, because they got caught. This was years later from the original signing. The first package they send me was the resign modification docs. I have every Doc from the beginning, also recordings of our conversation on Voice Memos. Ive been getting the run around for almost two months now. XXXX XXXX letters with one page in them telling me the same thing. 

We want to make every effort to fully address all of your concerns and provide you with a thorough response. Seems like they just have a following up schedule to say they spoke or send a letter.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Reporting Late payment on my report.

in accordance to 15 USC 1618a ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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