BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX fraudulent account It was removed from my credit an added back an it's affecting my credit score my score dropped XXXX points because they added a fraudulent account back to my credit after deleting it an by law this can't happen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: MI
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:
EXPERIAN, XXXX AND XXXX are reporting incorrect information for an account : company name, account numbers, balances, and payment histories are wrong.

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 2023-01-20
Company: WELLS FARGO & COMPANY
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:
Charged NSF XXXX times while still making deposit same day but deposit wasn't credited first.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: WV
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress
Consumer complaint received 2023-09-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I had a CD with Ally bank since 2020, closed the CD out for over 2 weeks now. The first message was that Ill get my check in the mail between 7-10 business days. 10 business days passed I didnt receive the check. I called them and was told the check got returned because of my address. Verified my home address with them on the phone that it was correct with what they have in the system. I was told that day that they have expedited the process for me to receive the check between 2-3 business days. 3 business days passed and I still havent gotten the check. I called back again, and was told the check hasnt been mailed. That it will be mailed out soon but they can not even give me any tracking number or courier that theyre using. Its my hard earned money Im trying to get back from them and theyre giving me a run around of my money. Im not even going to talk about the hours I have spent on the phone with them or them hanging up the call on me. To receive a check within the states should be maximum 5 business days. I told them today that Ill be filling a complaint with CFPB.

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 explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, ONLY ADDRESS IS XXXX XXXX XXXX XXXX  XXXX, XXXX, TEXAS XXXX, ONLY NAME IS XXXX XXXX XXXX, PLEASE REMOVE ALL OTHER ADDRESS AND NAMES OFF REPORT, Please remove these inquiries from my 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
As of XX/XX/2023 my address remains inaccurate my address should be displayed as follows as XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. That is my most accurate address to date anything other than my current accurate address displayed on my credit report findings is an inaccurate reporting on my credit report with Experian, XXXX XXXX and XXXX anything other than my current correct address should be immediately removed and delete it and updated as follows.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Due to inaccurate information being reported on my consumer reports by other CRAs without my permission and the immense hardship and suffering being caused to me because of this false reporting, I requested a copy of my consumer report from Lexis Nexis online in XX/XX/2022 and was denied online access. I was then forced to request my report be sent via mail. I just received a response to my request from Lexis Nexis to which they refused to process my request due to the fact that they are " unable to authenticate my identity ''. 
Lexis Nexis is requesting personal information that I the consumer do NOT feel comfortable sharing. I find this to be very invasive and in violation of my privacy. I have the right to know what is being reported on my report and I do not consent to being coerced to get a copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CORELOGIC INC
State: NC
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:
This my 2nd attempt at resolving this issue, A inquiry at XXXX XXXX XXXX via CREDCO was made on XX/XX/2022 that was not authorized by me. Please remove immediately.

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: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been with first progress for XXXX years. I have good credit and owed nothing on this card. I spoke to an agent in XXXX to remove XXXX late fee and expressed why I am getting late fees if I have not balance. 

They are charging me monthly {$29.00} and charge me a late fee regarding this but said to call in XXXX and they would remove the other {$41.00}. 

I spoke to an agent XXXX on XX/XX/2023 at XXXX and she expressed that i was misinformed and there could not be a removal of another late fee. I also explained this has cause a great impact on my credit file and needed this issue corrected. To no avail I received no resolution. 

I realize this much is a predatory card and also wanted to close this card out but can not. 

I really need help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions 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:
I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being XXXX of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.

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: 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:
I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being one of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: WELLS FARGO & COMPANY
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 XX/XX/2021, a debt validation letter was sent to Wells Fargo & Company in XXXX XXXX XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. Under duress, I paid the entire remainder of the loan that they never proved to give me completely off. They still reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. The XXXX XXXX XXXX ( acting as XXXX ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and XXXX to furnish damaging information.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After a thorough review, it has been determined that certain late payment markings on my accounts were inaccurately reported due to an internal error by the bank. I am pleased to convey that the companies have acknowledged this error and have taken corrective measures to address it. Consequently, they have agreed to remove the late payment markings and update the status of this account to " Open/Never Late or Paid/Closed Never late. '' The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ive been saying I knew there were issues with my loan, and I figured it out. There was an illegal finance charge. Each state has a maximum, and they went over. I wasnt totally clear when signing, because we were moving so quickly and I was told it was how everything worked and the finance company would send over everything I needed. It took them a month to send everything over. I did not get it right away. They charged well over the {$13.00} for every {$100.00} that was a state max regulation. And I didnt know that was by year. My finance charge was for more than the ca, which is why it doesnt seem the amount is going down. Ive attempted to reach out to the car dealership, but they are no longer in existence. I reached out to the dealership that was supposed to keep their records and they said they only keep them for 5 years, but my 5 years arent up until XXXX. My issue is now with the parent company and the bank. They took full advantage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a purchase from XXXX with this Citizen 's XXXX credit card in XXXX XXXX  I made a payment of {$96.00} on the account and then decided I wanted to return the purchase with the intent of making another purchase immediately after the account was credited. XXXX promptly accepted the return and credited the account, {$1500.00}, leaving me with a positive balance of - {$96.00}. While making the next purchase I was mistakenly informed that the account was over my credit limit and received a fraud prevention email from the bank saying to contact them. I immediately contacted the bank and the case was escalated on XXXX XXXX XXXX I was told that they would contact me within 4 business days. It is now XXXX business days from then and I've received no contact from the bank, by either email or phone. When I call, they tell me that the case has been escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-06-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I apologize for contacting you directly, but I am experiencing an issue with a transaction I made on XXXX using the XXXX app. I sent {$500.00} to my landlord, which was my third transaction in the past 30 days. However, my money was deducted, and it has been three days, but my landlord has not received the funds. He has also provided proof that he has not received any money from me. Consequently, I am currently in default, and the bank employees have been unable to assist me. I would be grateful for your help in resolving this issue promptly since this is my hard-earned money. I have included the transaction details for your reference. 
My contact number is XXXX. 
please request urgent help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-01-15
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I relieved a notice by mail this week, letter marked XX/XX/XXXX, that my PSLF application was reviewed by MOHELA and found to be incomplete. The documentation I submitted was complete and accurate following the directions put forth by XXXX XXXX XXXX XXXX. The PSLF process for service members does NOT require XXXX OR PAYSTUBS be submitted for every year served in the XXXX. A XXXX and statements of service to MOHELAXXXX are sufficient according to regulation. I am not missing information so you need to process my application with the complete and accurate information you have in your possession. Stop making department XXXX XXXX employees, service members, go through additional hoops to get the forgives they deserved. I filled my orders and instructions to the letter of the law and its time your company did the same. You state in your letter you were unable to determine that my employer- the UNITED STATES XXXX is an eligible public service organization. ( What? That makes no sense unless the person who was reading and processing my application was a complete and utter XXXX. ) Fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Reporting company used your report improperly

Complaint:
I sent a few letters off on XX/XX/2022. Here are the tracking numbers XXXX, XXXX, XXXX. Also I submitted to the FTC reference number XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party companies.

These are clear violations of my federal protected consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filling a Complaint to PayPal. XXXX XXXX On XXXX XX/XX/2023, I receivedXXXX In my PayPal account from family and friends and later on PayPal sent me a message to request for some information pertaining to my transaction, and I provided the information that they requested for. Shortly I received a notification that my account has been limited permanently, withholding whole the money I have in my PayPal which was channeled for XXXX bills and other urgencies. 
PayPal should stop stealing money from people. Why would they hold my money for 180 days ( 6 months ) as if am giving them a loan? This kind of scam should end. Im very disappointed with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: FEDChex Recovery, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a voicemail from, FCR collection Services their Phone # XXXX ( XXXX ) XXXX Stating that I owe a debt of {$350.00}, from a service I did not receive from this company XXXX XXXX XXXX XXXX XXXX XXXX  Their phone number is XXXX or XXXX. 

The bill statement date was on XX/XX/XXXX And it states I received services from dates On ( XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was a fake bill.Why would I be receiving a bill two years later from a service that I had in XXXX. 

All of my bills were paid in full directly to XXXX XXXX XXXX XXXX XXXX Their phone # XXXX XXXX XXXX XXXX XXXX when I called them they said I didnt owe anything. 

I believe that my personal information was hacked from XXXX  and they sold that info to FCR collections agency.

Company response to consumer: Closed with explanation