BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My bank account in not reflecting accurate information when it comes to the balance. I'm getting negative balances when the day before my account reflects a positive balance. On XX/XX/2022 my balance was {$37.00}. I deposited {$60.00} dollars XX/XX/2022 that evening which took my balance to {$100.00}. I made an transaction that night for {$70.00} which left Which left the balance at XXXX. I made an transaction on XX/XX/2022 for {$9.00} which left the account {$27.00}. I checked my account on XX/XX/2022 it was $ XXXX. I'm noticing that transactions are being posted and then removed and being posted at a later time. Which puts my account into a negative balance. This is my second complaint to the Financial Institution. I was not having this issue prior to now. I moved to this state in XXXX. I noticed in different cities in this state fraud and identity theft is higher Once I moved to this current city I started experiencing these issues. The Financial Institution said that they will handle everything for me and put an fraud alert on my account.

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 2022-04-18
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive notification of debt and if it was sold or ability to dispute. Requesting proof and account status.

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 2019-03-02
Company: LEXISNEXIS
State: GA
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 realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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 2023-05-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 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 explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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:
I would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines

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 2023-07-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account submitted a letter to the company and all the agencies that report on my credit kindly demanding a verification of the information, since it presents wrong information negatively affecting my credit report. 
After several attempts, it was not possible to obtain a response from the issuing bank saying that they do not have this account but the agencies continue to report it and in the same way we have not obtained any response from the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Ally savings account to take advantage of the 1 % cash-back promotion of the amount deposited. The bonus in question is {$370.00} for a {$37000.00} deposit in XX/XX/XXXX. I've followed the rules regarding funding and the timeline for leaving the funds in the account. I was supposed to receive the bonus in early XX/XX/XXXX but still have not received it yet. 

I've contacted Ally regarding this matter on numerous occasions and also faxed in proof of successful enrollment as requested. I was finally issued a reference number XXXX on XX/XX/XXXX. I have followed up with Ally two more times since but each time I only receive a canned answer that they were swamped and someone will take a look soon.

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 2021-09-21
Company: OneMain Finance Corporation
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file 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 2021-09-21
Company: Mandarich Law Group, LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 Plaintiff XXXX XXXX took me to court due an alleged debt, I assisted to the online hearing, The communication wasn't right and I could hear the participants but they couldn't hear me, The hearing ended and i was not able to confirm alleged debt. I was scared i was going to jail for an alleged debt I don't recognized so I called the collection company and they use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
The false representation or implication that documents are legal process. So hearing all of that I got involved in a payment plan to pay the alleged debt. Later I find out that they committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt. 15 U.S. Code Sec ( d ) Legal Pleadings.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations. 

I disputed Their alleged debt and also another alleged debt which they are taking me to court on XX/XX/2021 at XXXX : XXXX, On XX/XX/2021 Tracking # XXXX XXXX XXXX XXXX XXXX, Tracking # XXXX XXXX XXXX XXXX XXXX They received a letter from me requesting validation. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I asked them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

They have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Global Lending Services LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchase contract started on XX/XX/XXXX. The term was for 72 months. As of XX/XX/XXXX I am being told that the balance is {$10000.00}. Which means in 6 years Global lending have only credit to my account appx {$5000.00}. The Purchase price was only XXXX and I put XXXX down so the finance portion should not have been over XXXX. I have paid my note on time every month and they are still charging me late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Experian is operating a scam credit reporting service. Watch out! Experian bombards consumers with ads. Within those ads are suspicious and hidden subscriptions. 

As the personal financial XXXX to the military, I continually check Experian for information to share with thousands of soldiers and families. On at least two occasions Experian has began charging me for a monthly report, that I did not subscribe to. When I discovered it again on my credit card, {$14.00} per month, I called them to immediately cancel it and requested a refund for two months. It refused! 

As a personal financial XXXX and XXXX XXXX XXXX, I have a fiduciary responsibility to warn all soldiers and families, including thousands, of the sneaky and unintentional scam tactics of Experian. I consider myself well aware of scams and Experian is duping thousands of unwary clients who depend on it as a credit bureau. 

In no way, did I intentionally subscribe to Experian 's monthly credit reports. I am notifying military leaders, the Michigan Attorney General, and all soldiers of this scam as I routinely speak to the groups and individuals.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me.

2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 60 days late. Subsequent to XXXX, no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion Credit Report for XXXX XXXX XXXX here are my consider : XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX please remove from my credit report fraudulent information. address XXXX XXXX XXXX XXXX IL XXXX Pleases remove from my credit report. I contact the credit bureau and this address was not removing. Remove XXXX XXXX XXXX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Business address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid off {$77000.00} XX/XX/XXXX this account on my credit report didn't get the correct point, which was fraudulent, it was like I was penalizes for pay off early. 
XXXX. XXXX XXXX put on my credit report this account was late I pay off XX/XX/XXXX {$29000.00} the Loan before it was due to expire which was a 6-year loan open XXXX expired closed on XX/XX/XXXX so the information that was given to you it was fraudulent. so why this stays on my credit it affects my credit. I had two accounts with XXXX XXXX pay off {$28000.00}. open in XXXX XXXX I closed the account XXXX XXXX pay off in full. XXXX XXXX was opened XXXX XXXX, Closed XXXX XXXX This account was paid on time, and I paid off. why they closed the account didn't make sense unfair founding because of my XXXX  loan but paid off. 
XXXX XXXX XXXX This account was not mine fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed several times to equifax and my mortgage lender that my mortgage was paid on time but not reported as so on my credit report they have XXXX and XXXX as no information when in fact they have the information. My mortgage lender stop reporting my payments when I told them I was refinancing and getting away from them soon as I have XXXX on time payments. After I notified them of my intention of leaving them they stopped reporting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently review my credit report and realize all these inquiries are not mine as I have reached out to the companies to try to have them removed and explain to them that I have been going through that for the past 4 to 5 years and this was not me. 




Experian 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-01-12
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I received a call from Wells Fargo Bank XXXX. to finish up the process of opening a checking account for mine and my wife 's business. We are currently XXXX  due to our last landlord in XXXX, New Mexico being Condemned by the City of XXXX on XX/XX/XXXX due to the landlord neglecting to keep up with city codes and regulations for buildings by maintaining the maintainence on our apartment and there was a hole in the ceiling and floor as well as XXXX all over the place and we won't have another place to live until XX/XX/XXXX so we live in a XXXX XXXX day to day until then. Well we gave the bank our mailing address due to that as our address because it is our only address right now. We told the bank that our mailing address is our only address right now due to the reason we mentioned above in this complaint and they flat out told us " XXXX  shouldn't be allowed to own a business & definitely shouldn't be allowed to have a bank account let alone a business banking account. And it's bank policy if you don't have a home address we can refuse to open an account coz you have to have a home address not a XXXX XXXX period so because your XXXX  we are denying your application for a business bank account and your barred from getting an account from Wells Fargo ever again due to you being XXXX We will be deciding to close out yours and your wife 's personal accounts as well coz your XXXX isn't welcome to bank with us.

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