BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I called the money card from XXXX money card and complained about how I had been scammed out of {$2500.00} and gave them the account number and routing number to the account of the scammer and transaction details. And they and regions bank would not reverse my money back.

Company response to consumer: In progress
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Having issued with the three credit bureau 's. XXXX place a Fraud Alert on my credit account. I contacted XXXX via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted XXXX and TransUnion, was it would be removed by the end of the business day. Around the beginning of XX/XX/XXXX I contacted XXXX again requesting the removal, I was giving a case number of XXXX and a conformation number of XXXX stated from them that the Fraud removal was done. I contacted the other two  agencies requesting the same, I was told by both agencies that they could not remove the alert until XXXX remove it. Contacted XXXX  again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no. XXXX. also mailed in a request on XXXX XXXX,2017. as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from XXXX and TransUnion stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told XXXX  and a third party requested X/X/17 and X/XX/17

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 2019-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/19, my phone has identified 22 phone calls that display as coming from Portfolio Recovery, in spite of the calls coming from different phone numbers each time, including today. There may be other calls from them using phone numbers that don't display as coming from them. I don't answer phone calls I don't know, so these calls always go to my voicemail. To date, I have not received any voicemails from Portfolio Recovery explaining why they are calling. I am also 100 % confident that I have no valid outstanding debts with any company or entity, so there is no chance that these phone calls are for a valid debt. I have not, to date, received any mail from Portfolio Recovery offering me any proof of a valid debt, as is required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-16
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Ally financial has refused to give me the correct routing information to pay the loan off. Ive sat in my banks office with the branch VP on the phone with Ally and they just keep giving excuses on why they can not give me the routing number, they complain they can not hear me yet Ally is the only place I call where everything is garbled. I just want to pay this loan off, they can not accept a credit card payment large enough to pay it off without me making 3 separate payments over 3 days, all while they still charge interest!!! 
I have no idea how they are allowed to bully their customers!

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 2022-08-14
Company: EQUIFAX, INC.
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:
A bank listed us taking out a mortgage instead we took a Home equity loan. The bank listed with three different account on our credit files, one of wich was home owner mortgqge. Sumitted information concerning the error to Equifax, It was overlooked, also in XXXX EQUIFAX listed another Home Owner 's mortgage infomation in our credit files. On XX/XX/XXXX sent a letter about these problems they continued to ignore after I ask to remove this error. We were listed with Three accounts, Convenital, Re-finance, Home Owner Mortgage Loans. In XXXX, we purchased a Home Equity Loan, and we have singed only one mortgage loan in our lifetime which was FHA loan paid and close before applying for Home Equity Loan. No psitive Results. 

We have been deined credit reports since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Attached to this complaint is a copy of the check that was sent to Associated Bank. I currently have a close checking account with Associated Bank but I have a past due balance on the closed account. XXXX XXXX sent a check to Associated Bank to cover the past due balance I owe Associated Bank. I want Associated Bank to credit my closed checking account showing the past due balance is paid in full. Full Name : XXXX XXXX XXXX, DOB XX/XX/XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX ( debt buyer ) Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2023-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had multiple fraudulent transactions on one of. my two Capital One accounts. I requested in XXXX that they close this account and to please send a debit card for my second account as I wished to start using that one more regularly. Five months later ( this week ) I finally received a debit card in the mail for the wrong account which they are refusing to close even though it has been compromised. They also restricted my account in good standing. Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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:
There are fraudulent items on my credit report and Equifax is not aiding me in removing them from my credit file. Equifax is enabling identity fraud and is completely ignoring the FCRA. The two fraudulent items on my credit report are XXXX XXXX  and US Dept of Treasury . I have provided my ID and FTC Affidavit and Equifax has refused to remove and block these accounts. My request to block is not made in error. My request to block is not based on material misrepresentation. My request to block is NOT of a knowing or should have known about the possession of goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
I've been trying to resolve this issue with Transunion and this is my last attempt before filing a small claims lawsuit versus Transunion for their knowingly and willingly violation of the FCRA. I recently viewed my Transunion credit report and notice numerous hard hit inquiries done on my credit report without authorization & fraud. Before this incident I had 0 Hard Hit inquiries on my Transunion Credit Report. XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXXXXXX XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020. 

The same hard hit inquiries were placed on my XXXX  & XXXX  credit report and both have addressed and deleted the hard hit inquiries. Yesterday I received a letter from XXXX  confirming their timely action & deletion of the same disputed hard hit inquiries. In regards to XXXX  they did the same but I have yet received a letter from them but I have an account with XXXX  that I can view my credit report at anytime and I was able to confirm that the inquiries were permanently removed as well. I will supply in this complaint the letter I received from 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 2023-10-30
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ulta Comenity credit card says I did not have auto pay on and I did so they charged me XXXX I called and the attendant said she would take off the XXXX now after putting auto pay on they said it was not on again and charging another XXXX asking these are both removed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Equifax website as well as the investigation results page this is what they state prior to providing the results.
In this situation : * We request that the reporting company verify the accuracy of the information you disputed ; * We provide them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary.
Now, if all of that is true, they would have found that the companies below have ZERO authorization from me to run my credit or place an inquiry on my file. I have even contacted several of them to see what information they had from me and they have nothing.
Not a single one of these creditors ever had any signed document nor phone authorization, nor online signature from me to perform any of these credit pulls on Equifax or any other bureau if they have done so at any time.
If Equifax had done an actual investigation or gotten any " verification '' as they say they would have removed these inquiries immediately. The following information is in regards to the inquiries that were made without my authorization or approval in any way and I demand them to be removed immediately. They are impacting my credit score and my ability to gain credit.
I appreciate your efforts in helping me resolve this problem as soon as possible.
Credit Inquiries I am Disputing and have no provided authorization for that I demand to be removed.
  XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX  : :  XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ok I believe I was involved in a scam..my account was closed due to a company who is holding my girlfriends inheritance money. This company was to deposit money into my account. They abused my account by 1. Submit a loan application without me knowing. 2. Changed phone number on my account so I couldn't get verified when calling my bank. 3. Put a pin on my phone app so I couldn't sign I'm. And 4. Was reported on my account for " suspicious activity ''. So the day I got paid, XX/XX/XXXX, I went to XXXX to make a purchase got denied twice. So I call my bank and then was told my account was blocked due to the activity. Was told account would go through a review. I called couple days later to check, was told account will be closed in 30-60 days and then I would get my money. I am a 100 % service connected veteran. My XXXX pay and SSXXXX pay are sitting in that account. I have no access to my money. Zero. My rent is late, supposed to be getting my eviction notice in mail. Let me tell you, if faced with being homeless, I have let it be known I will kill myself before being homeless. That is XXXX 's honest truth. I have bills to pay, groceries to buy, I'm having to start panning my possessions to turn my phone back on pay some bills locally. I will have to go pawn more in a day or so. This is not an acceptable way to live. I need my XXXX money! Or I will die period. Please help me...

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 2018-11-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XXXX of XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX mortgages. XXXX XXXX  the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial XXXX meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you.

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management - I've repeatedly asked that this debt be removed from all credit agencies, as I do not know of this account. They continue to report and defame my name and credit worthiness causing serious personal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 16 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