BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
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 have opened a credit card with sun trust bank on XXXX XXXX since that time I set auto pay so all my payment come out from my bank account with XXXX XXXXXXXX ending XXXXXXXX since the i never had a problem with late payment until Truist Bank purchased Sun Trust on XXXX never once i was informed that my auto pay would not migrate to the new Truist bank despite their claims that that they have informed me of their error. on three occasions they called me about late payments that were shorter than 30 days interestingly enough i made the payment over the phone and they had my XXXX XXXX information I thought it was strange that they had my XXXX XXXX info but they didn't use it for auto pay. Fast forward to XX/XX/ I got a message while I was overseas tending to a XXXX father that I was late. At first i was perplexed why are not using auto pay, so when I came back to the state i contacted the bank immediately to resolve the issue so on XX/XX/ I spoke with XXXX XXXX XXXX and explain the situation. XXXX XXXX assured me that it was a bank error and she also refunded the late fees however, she did nothing to correct the problem with the credit agencies. On XXXX XXXX I contacted the bank again this time i spoke with XXXX XXXX XXXX who also insisted that it was a bank error but referred me to her supervisor XXXX XXXX, XXXX XXXX assured me that XXXX bank will fix the problem with the credit agencies still no correction in fact the credit agencies validated the debt wich caused my credit score to drop by XXXX point causing me to lose a mortgage i was refinancing. 
To add insult to injury today I received a letter from a XXXX XXXX XXXX apologizing for the " frustration '' that the bank merger caused oh yes ruining my credit was merely a frustration to XXXX XXXX. Frankly his letter was despicable to say the least. To say I am a disappointed with a respectable bank 's action its an understatement. Three different bank employees on three different occasions admitted to the mistake including XXXX XXXX second paragraph. I feel that my rights under the fair credit act as well as the care act were violated by Truist bank and I am requesting that they correct their mistake ASAP

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 2022-05-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had sent you a letter previously regarding some negative information on my credit report. The letter was sent out. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier I even sent you the letter through certified mail but you failed to removed accounts that are unverifiable they are not attached to any address of mine so how are the accounts verified. The accounts are listed below I demand you to comply with the law under the Fair Credit Reporting Act. Send me an updated report after the accounts are removed. Thank You, I know you guys are working hard during COVID. God Bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed numerous times prior to no avail, late payments can appear on your credit report and stay there for XXXX years. Late payments remain on your credit reports for XXXX years from the original date of the delinquency, which dated back to XX/XX/XXXX on my report. The original delinquency date, seen on the attached Equifax credit report # XXXX, XXXX XXXX XXXX XXXXXXXX was on XX/XX/XXXX. This has passed the XXXX law for removal. Please see XXXX listed on page XXXX OF XXXX on the credit report. XXXX REPORTED DELINQUENCY is on page XXXX OF XXXX. Both section were highlighted for Equfax to review. I requested that Equifax to please follow the FTC Regulations of 30 days, to remove this creditor from my report permanently and to prevent further action. I attached a copy of the report with a letter. I sent it by certified mail. Equofax has alloewd XXXX to consistently abuse and used deceptive actions to create false information. They have gone as far as to place fake payments on my report. They removed all of the delinquencies dating as far back to XX/XX/XXXX, in an attempt to keep XXXX XXXX XXXX XXXX. listed on my report. Equifax took 5 days to review and concluded that their report which XXXX XXXX XXXX XXXX was correct. They did not send any correspondence by mail in reply to my dispute by mail. I spoke with Equifax on XX/XX/XXXX, was told that the creditor was correct, despite seeing a different date on their Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TMX Finance LLC
State: KS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I had previously requested to be put on the do not call list. I have to pay with my social security check and it comes after the XXXX of the month. They state that I can not change the due date. When I get my check electronically, I try to go online and pay this bill and most of the time the website gives me an error " Network Error ''. This means that I can not pay the bill at the time that I get my money. This results in 5-10 days of added high interest on the loan every month. I have been on hold a total of 30 minutes so far this morning trying to pay this. It has taken 3 phone calls and each time I am put on hold or told that I am calling the wrong department. I am calling the number they list on their website as the customer service line. This has been going on since they had a technology breech and switched the manner in which the bill is paid to a PC rather than the consumer 's cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: OH
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 is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022, XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$980.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$620.00}, XXXX XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I made CFPB complaint against Ally bank that they cant ' do a stop check payment even after collecting {$15.00} fees from me. It was done few weeks back. 
as part of retaliation, Ally bank sent me a letter that they are going to close my bank account. 

Please investigate this and take strict action against Ally bank who's actions are nothing but retaliation. 

When asked Ally bank - what is the specific reason for this letter and intention to close my account- they are not providing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid this account ( XXXX XXXX ) in full on XX/XX/XXXX in the amount of {$3800.00}. I paid over the phone using a debit card. I did NOT accept a settlement offer and paid the entire account in full. After I made the payment I asked if they would send me an email confirmation that my account was paid in full. They told me that it would automatically be sent. By XXXX  or XXXX I still had not received an email showing that my account was paid in full although the money had been taken out of my account. I called again on XXXX and requested the letter. I did receive a letter from them on XXXX however, the letter reflects that I accepted a settlement offer and the account was paid in full. I then call them again on XXXX XXXX XXXX XXXX. and spent a long time on the phone going over everything again. They agreed that my debt was paid in full and that it was NOT part of a settlement offer. Therefore, I asked them to send me a new letter reflecting the correct information as what I have is incorrect. It took several attempts to get someone that could hep me. I called customer service, collections and recovery departments. It was finally the recovery department ( XXXX ) that said that they would send me a corrected letter. I finally received a second letter today, however, it is an exact duplicate of what had already been sent with the exception of a different date! I'm so frustrated. I've spent so much time on the phone and they tell me that they will send the correct letter and I still don't have it. I want a letter that depicts what actually happened. My account was PAID in FULL with no settlement offer! It shouldn't be that hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: MD
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:
Credit agencies are reporting incorrect scores and inaccurate information. I paid a loan OFF and paid my credit card balances down. My credit utilization should be less then what it was. They need to update scores and reports. Its impossible for a score to drop XXXX points when I paid a loan OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Made my last principal and interest payment at BESTBUY Store. Apparently I was past the 15 days ( although the cashier at the store didn't tell me ) I apparently began to receive late fees and interest charges. Once I made my final payment, thinking I was paid to {$0.00}, I never recall receiving anything BestBuy/Citi . I finally became aware of the fees and called. 
XXXX XXXX I called Citi Card to complain they were capitalizing on late fees and interest charges. I was told there was nothing they could do and I owed that money. I refused to pay anything other than what the original late fee was stating, " it is no fair and is even predatory to capitalize on late fees and interest charges on something that started with a {$0.00} balance. '' Wednesday XX/XX/XXXX I called back. Was made aware that Citi decided to waive the full amount of fees ( which totaled around $ XXXX ) and that I had a {$0.00} balance and the account was closed. I was told that the negative information, balance & delinquencies would be removed from my credit report on XX/XX/XXXX, As the call was ending, I asked this rep for her employee ID as I had my doubts that this would be rectified so quickly and easily. XX/XX/XXXX or a few days that follow, I see that Citi has wiped the $ XXXX balance on my credit report to {$0.00}... however the late/delinquencies were still appearing... i called back on XX/XX/XXXX... i was on the phone for over one hour and nineteen minutes ... over 70 % or more of this time kept on hold. After all this time, a woman named XXXX from the Tennessee office TEAM XXXX ID # XXXX told me that not only did I have to keep waiting for this report to be processed ( that this could take 2+ weeks, it wasn't even guaranteed to be wiped from my credit report. I explained to XXXX and before her ( XXXX EMPLOYEE ID XXXX ) that i was told on XX/XX/XXXX it was going to be taken off of my report, balance and delinquencies... upon telling XXXX this, she said we will go back to that rep and use this as a teaching experience. This is unacceptable in protecting a consumer from these large corporate financing companies. What are we to do? I was told one thing, now being told another. What protection does a consumer have?

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 2023-01-14
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$440.00}

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 2023-09-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I have tried several times to request a FULL DISCLOSURE of my contract with Wells Fargo. To be exact I want a FULL ACCOUNTING OF THE PERFORMANCE of the contract meaning I want well Fargo to provide the full ledger credits and debits on ALL accounts opened in my name that includes any accounts opened in escrow. I have given authorization to my attorney in fact to request the same and to handle the account and he has not received anything as well-. In addition I have sent a Notice of Subrogation and Substitution, and Notice of Recession of SECURED interest however no solution has been reached and I am requesting arbitration and a cease and desist of the sale of my property

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 2020-01-16
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
-In XXXX of XXXX i declined to pay {$100.00} to XXXX XXXX XXXX XXXX 
-In XXXX of XXXX i received DEROGATORY ACCOUNT from IC System and my Credit Score was decreased in 30 points.

ATTENTION! ALL FOLLOWING ACTIONS OF IC SYSTEM ARE INAPPROPRIATE AND ILLEGAL! 
XXXX XX/XX/XXXX i received FOUR DEROGATORY ACCOUNTS, {$100.00} each. My credit scores were decreased ANOTHER TIME.

-I submitted complaints, probably, twice, and received a response from IC System they are going to leave me alone, but it never affected my alerts. 
-In XXXX OF XXXX i received already TWO!!!! Derogatory accounts from IC System, {$100.00} each.

-I gave IC System telephone call and requested to solve the issue, but I never heard back from them. 
STOP MESSING UP WITH MY CREDIT SCORES! I WAS NOT PREAPPROVED FOR MY CAR RE-FINANCE BECAUSE OF YOU! I WAS NOT APPROVED FOR CREDIT CARD! 
GET OUT FINALLY OFF MY ACCOUNT! I WILL NOT PAY YOU! NEVER!

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