BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have account ( s ) with Ally Bank. It is an on-line bank and I do not know the routing number. The correct email address for this bank is ally.com. My accounts with Ally include a CD, a savings account and my monthly retirement check is sent directly to them ( Ally ). For reasons unknown to me they have " closed '' or " frozen '' my accounts and I can not access them. I have emailed them and was told that only phone contact is acceptable. They will not communicate with me in any form ( email, chat, USPS ) except via telephone. The problem is that to contact them by phone requires at least two-hours on call-waiting with the wait time close to XXXX to XXXX hours depending on what time of day you call. For me, it is impossible to be on telephone hold for that long of time. They only have one phone number XXXX which for the average person is impossible to use. I am hurting here without access to my funds. As a side note, even if you call them at XXXX XXXX  the wait time is still OVER two hours and many times longer than that. Please help. 

How can your complaint be satisfactorily addressed? 
Can this bank be required to answer their phones in a timely manner? How can I get my account " unfrozen ''?

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loans are paid docs attached. XXXX account number 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 2023-07-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The card was chase that had fraudulent usage and left in financial hardship. I contacted them they sent my money to another account. I also tried to contact the bank they gave me the link for the police. I made reports and it's still affecting my credit score.since 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-11-27
Company: Experian Information Solutions Inc.
State: LA
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. 

XXXXXXXX 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 has violated my rights and i want them removed IMMEDIATELY 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 XXXX 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 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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX  and transunion several times trying to resolve an issue within my credit file. My personal information was exposed in several data breaches including XXXX data breach the ost well known. Since my information is in the hands of the dark web there are several accounts on my credit file reporting that I never opened and never gave consent or permission to be opened under my name. Most creditors have already resolved the issue for me but there is a few stilll remaining that are not following the law and are not investigating. I reached out firectly and they cant give me any inforation due to the fact i cant answer secuirty questions about the account when it was opened. This is not right and is a violation of my 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 2023-03-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian keeps disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) - the credit bureaus have to modify or delete accounts that not reporting accurately. Experian has not.

According to USC 1681b ( 1 ) - the credit bureaus don't have no written permission. Experian has not.

According to 15 USC 1681- I have the right to privacy. Experian doesn't follow this law.

According to 15 USC 1681s-2 - 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. 

According to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( B ) Reporting information after notice and confirmation or errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on. 

Experian have no respect for the laws. 

Someone needs to hold them accountable for this. 

I added two attach letters I have sent to Experian over 45 days ago. I have even added the USPS conformation receipt as proof I have mailed out these two letters. 

I will be filing a lawsuit with my attorney XXXX XXXX XXXX. I sue before and won my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$25000.00}.

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 explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
credit report showed that I opened an account with XXXX  credit card, I never did that. They had my email and home address but different driver license.

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 2021-04-10
Company: Shellpoint Partners, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed complaint XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I request the debt collector closed and remove its trade line from my credit file because I do not have any contractual obligation for Note and Mortgage for XXXXXXXX XXXX XXXXXXXX XXXX loan # XXXX f/k/a XXXX a/k/a XXXX n/k/a reference number XXXX with FHA Case No. XXXX for {$160000.00} for 360 months, 7.750 % ( Fraud Account ), I was never the owner for the property and never received any funds of {$160000.00} or benefit in any way from the loan. 

Debt collector mailed me note & mortgage for fraud account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and willfully lied when they wrote I have a contractual obligation for a property I never owned and a loan I never requested or received funds from. 

After debt collector received my identity theft affidavit, police report, and ID debt collector lied and claim the fraud account had an address error, this is completely false, see attached foia request from HUD closing documents which debt collector put my name and personal information on without my consent or knowledge. 

Debt Collectors has continue to omitted and make material misrepresentation to me and CFPB. This current debt collector claims the received this fraud account from Ditech Financial LLC f/k/a Green Tree Servicng, please see attached letters from Ditech Financial LLC, Green Tree Servicing, and HUD orginal closing file for the fraud account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was on vacation from XX/XX/2022 to XX/XX/XXXX. While I was gone my mail box was broken into and all of my mail was stolen. One piece of my mail that was taken was my initial statement from my Barclays XXXX XXXX. Thus, this being a new account not having paperless billing set up and in aware of the annual fee of {$99.00} was due. Since I did not receive my statement I did not even know I had a statement missing that did not get paid in full on time. Once I discovered I had a late payment, I immediately called and made the payment in full on the card. I was told by Barclays to write to the credit bureau to dispute this issue. I am asking to have the late delinquent mark removed from my credit scores with all major reporting agencies.

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 2021-03-15
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
I called to make my final payment to ALLY Financial in at the end of XXXX and as of today XX/XX/2021 they still haven't updated my credit report as paid in full. I've made several calls to ALLY and I think this is an issue as it is not reflecting correctly on my credit reports therefore affecting my credit rating.

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 2023-01-08
Company: Experian Information Solutions 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:
I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose I have contacted Experian multiple times informing them of this, and they too have failed to verify these inquiries Since neither Experian or the creditors are able to provide this proof, I am requesting that was hey be removed

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 2021-06-15
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Phoenix financial Services Inc on XX/XX/XXXX because I am in the middle of refinancing my home and just discovered that this company is reporting 2 separate collections debts on my credit report. On XX/XX/XXXX when i called I spoke to a XXXX XXXX I was told there is no pending debt they no longer have the debt in their offices and that this account had been sent back to the originator. I was very upset that this company has ruined my credit reporting accounts they do not own. I requested a letter to be sent to me stating that I do not owe this debt to them and I was told by XXXX that he would be mailing me a letter and having this removed from my credit report. However, 2 weeks passed by I still haven't received a letter from them I contacted them again because I am on a time crunch time since I am in the process of refinancing my home and need the letter and debt off my credit report. I called on XX/XX/XXXX spoke to 4 different representatives which 2 confirmed once again the company does not have the account in their offices. I was trying to resolve this matter I spoke to a supervisor who was extremely rude and stated they had no record of my call with XXXX. He demanded that I pay the debt that other representatives clearly told me they no longer had in their offices when i refused and asked for proof he hung up the phone. I have attempted to access this information online with the account account number that was on a letter I received from them, but I am not able to pull up any information. This leads me to believe that they do not own the debt and they are illegally reporting a debt on my credit that I do not owe and trying to reage the debt with a new account number. This has affected my refinancing rate that has now gone up because they failed to send me the letter and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not ever done any business with this company and dont have any business with them.Ive asked that if they find me error that they send me a contract bearing my wet signature. This company is in violation of the fair credit reporting act. I want them to stop reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
UMB Bank charge excessive overdraft fees. I got charged {$100.00} in overdrafts on XX/XX/XXXX and I got paid that same day. I called to see if this could be reversed and they told me no. I spoke to the manager and he said they reversed overdraft fees in the past, so they could not reverse these fees. I looked at my account on XX/XX/XXXX and there was no indication that they would be charging these fees. This took away from money i needed to pay bills with. They have also charged three overdraft fees or more in one day before, I've been with this bank for many years and it is ridiculous. I am thinking about closing them and looking elsewhere for a bank that does not steal from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am banking with Wells Fargo since 2007. I have XXXX businesses as well and all of them are with Wells Fargo. My spouse also have an account with Wells Fargo. 

In total we have XXXX account with them and XXXX of them have my XXXX attached to them. 

I tried to call them today ( XXXX ) to upgrade my account to Premium account as I have considerable deposits with them. 

I was told my account could not be verified as my SSN was incorrect on file. They have mixed my spouse SSN and replace that with mine. NOT sure when it was done as the SSN verification is in person and we have to prove my SSN by presenting the physical card. 

SO it is definitely an issue with their internal IT systems that overwrote my SSN. 

Not because of this I can not make any change to the bank accounts. I asked for a appointment to meet the banker to close this issue as soon as possible. But they dont have anything until for a month and I have to deal with this issue. THIS is not acceptable as its a problem created by them and I believe this is bigger than my problem alone and they are mixing SSN numbers of people. 

I have over XXXX USD worth credit cards with WF across perosnal and business and they are putting the responsibility on my wife if I dont pay.. this is against law and they are not taking care and resolving it quickly. Their solution is to use the mail and resolve it which will take more than 15 20 days and multiple follow ups.

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 2022-10-03
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: Late or other fees

Complaint:
I tried opening an account and it wont let 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 2022-10-27
Company: Experian Information Solutions 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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

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 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that 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 explanation
Consumer complaint received 2019-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The company is called Portfolio Recovery and they have been calling me on multiple internet numbers after I block them. I have told them countless times to stop calling and they are not. They are harassing me and Im tired of it. They are calling me at XXXX and as late as XXXX or later and all hours of the day. This is not acceptable!!! 

They have called me at least 30-60 times within the last month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 XXXX resorts at XXXX, XXXX XXXX XXXX, Consumer credit attempted to a unlawful detainer in XXXX XXXX court, however, the case was dismissed. The court ruled in my favor, demonstrating XXXX refused rent tender. XXXX then made up false charges and submitted me a collection agency that failed too investigate avidly. The amount owed is a false charge.

Company response to consumer: Closed with explanation