BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: ALLY FINANCIAL INC.
State: WA
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 checked my credit because I recently started paying on my student loans then I noticed and unknown address and multiple hard inquiries on my account that are fraud and are not me. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial 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 Ally Financial 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 There are multiple soft inquiries and a few unknown addresses Ive never been associated with.

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 2023-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: JPMORGAN CHASE & CO.
State: CA
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 saw on my credit report an inquire on XXXX. It was Chase bank ( my bank ). Called and after several phone calls, complaints and requests, I found out they sent an offer for a business account to my old house address when I lived there in XXXX. I have not lived there since XXXX, but they continue to send offers with my information. A neighbor took my offer and applied since the house was vacant since XX/XX/XXXX till XX/XX/XXXX. 

When I called Chase bank at XXXX, they give me the rude runaround. They said it takes 90 days to have this removed. I called again to ensure they were in process 60 days after XXXX, and the person said, nothing was done and they would take care of it. I asked for a letter, which they never sent. This is XX/XX/XXXX. 

I WANT TO APPLY FOR A LOAN TO BUY A HOUSE AND THEY REFUSE TO REMOVE THIS CREDIT INQUIRY!!!! My cash is becoming worthless ... and worth less. Hence, I need to purchase a property. 

I told them I want to purchase a home and they are refusing to clear this up before I apply for a loan. I called XX/XX/XXXX and they said it takes 90 days and I need to wait till XX/XX/XXXX. I called back XX/XX/XXXX and still nothing except I need to wait 90 days for this to clear up. 

This inquiry also resulted in a letter from Chase to me asking if I am opening up a business account. They refused to tell me the address and yet, I finally asked enough times when I got a hold of someone in a foreign country instead of the XXXX. I asked what city and was told XXXX XXXX. Thus, I told them, XXXX XXXX XXXX and they confirmed. I knew exactly! I still own the home since purchase in XX/XX/XXXX, but I don't live there and have not since end of XXXX. 

I got a letter, which I will attach and they want to change this to a soft inquiry. I want NO inquiry as I did not do this. This is the fault of the bank sending these open ended offers that will result in a hard inquiry. CHASE bank knows my address, they knew I moved my home from XXXX XXXX, CA to XXXX, CA. They have that information. They have no business sending offers that trigger this to the open. They are responsible. They need to remove, not change to soft, but remove the inquiry immediately IF they can put a hard credit check on my credit report within hours, they can remove it within hours, not 90 days! 

The credit hit, is still there today as I checked again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
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:
I have been a victim of identity theft

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 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My Private Mortgage insurance was removed from my account. The escrow was closed. 

The only thing I should be paying Bank of America on XXXX XXXX XXXX is for principal and interest. 

I called Bank of America home loans to verify the payment amount for XX/XX/3 and was told the payment included {$95.00} for escrow. 

Why is Bank of America secretly taking out {$95.00} per month on a closed escrow account. This should be illegal and Im not sure theyre calculating the principle and interest correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: VA
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. 

Account name : # 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. 

I do not have an account with XXXX and I am totally upset how this account continues to appear on my credit report. I am a Government Employee and this could pose a risk to my security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Was trying to purchase tickets from someone on internet for a sporting event, they asked that money was to be sent through XXXX, my bank which is suntrust has the XX/XX/XXXX attached to my account without going through the app at all. I sent {$300.00} via suntrust app and never recieved tickets and it appears suntrust is not going to refund my money or protect me on this at all even though it was through the suntrust app. 3

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 2023-10-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I notified via email that i was disputing a charge I had paid with my debit card ( compliant to regulation E ), the product/service was not as described or listed. I sent the initial email on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from a woman named XXXX, stating they would initiate the dispute and communicate in writing. On XX/XX/XXXX, I had not received any letters, paperwork, or seen the dispute initiated in our bank account. So i sent a follow up email on the matter. I had not received a follow up by XX/XX/XXXX, so i opened a claim with the XXXX. On XX/XX/XXXX, I received a call from XXXX again at 53rd, stating that it was being placed in dispute. So from XXXX ( XXXX Calendar Days & XXXX business days ) I had not seen anything on my account or received an email/letter around the transaction. On XX/XX/XXXX, I received a response to my XXXX claim electronically & then a follow up call, now from a gentleman named XXXX. The response via the XXXX  was from XXXX XXXX with 53rd Bank, and she sent documents that were mailed on XXXX & XX/XX/XXXX. However, they mailed them to a very old former address on file. I confirmed with the bank 's customer service that my address was and had been updated in their system. I received the letters via mail forwarding in once on XX/XX/XXXX and again in early XXXX. However, in their response on XX/XX/XXXX, I was able to print them and complete. I sent them via email to the XXXX on the XXXX and again on the XXXX. On XX/XX/XXXX, I received a XXXX  response from the bank that the Chargeback had been filed with the merchant on XX/XX/XXXX. So the charge back was initiated with out any documentation that i completed, furthermore a previous response says the documents were mailed on XXXX ( to an old address ). I am unsure how they file a chargeback the same day they send me the documentation to complete, in order to file it? Beyond that they continued to send the same response via the XXXX messaging. The dispute had been opened and to allow 90 days. They did not address my concern at all of not having my documentation on file. So fast forward to XX/XX/XXXX, I received no letters, no communication, since XX/XX/XXXX. I see that my checking account was disputed the provisional credit. I have not been provided any information around the dispute and why this was done. The bank has confirmed they have my correct address on file, my email address, and phone. I received no notice of this happening. I sent a rebuttal to the XXXX around my concerns & issues with how this was handled. I have had nothing resolved. I had photos, documents, etc pertaining to this dispute case all to find out that it was sent for a chargeback the day they mailed forms to my old address. What can be done about this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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 received a new copy of my credit report a XXXX  ago and I checked that I had an account credit card account opened without my knowledge. XXXX XXXX  put an Account Review Inquiry on my TransUnion Credit 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 explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX. 
Account name : 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 2023-02-20
Company: Experian Information Solutions 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:
On XX/XX/2022, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This problem is still going on someone opened up an account which is a credit card account and XXXX XXXX  put an Account Review Inquiry on my TransUnion 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 explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. TXU ENERGYhas violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-11-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call from a lady named XXXX who said she represented a company calling themselves XXXX, XXXX XXXX XXXX. They said that Wells Fargo had a closed account from XXXX that had an outstanding balance that they attempted to collect, but then deemed un-collectable in XXXX and that then this law firm was attempting to collect that debt and if I did not pay them by end-of-business today that they would report me to XXXX XXXX and that would trigger my current debit card accounts to close and that I would be ineligible to open any future account with any banking institution for 5 years. 
Then the representative confirmed the last four of my social and wanted my updated address. I did some research online and this company has several complaints on both independent monitoring websites and the XXXX with claims very similar to mine. 
It is important to note that I currently bank with Wells Fargo and would be very surprised if they would let me open an account while I have a previously closed account that had an outstanding balance. This is very suspicious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: ALLY FINANCIAL INC.
State: MD
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:
I currently have an auto loan with Ally Auto Finance, a subsidiary of Ally Bank that I am trying to refinance, I had the refinance bank send a check over to an address that an agent at this Ally Auto provided and requested the check be mailed to. The check was received and signed for by an agent of the bank on XX/XX/2019 ( XXXX tracking # XXXX ). After a few days and increasing concern, I checked-in on the status because the amount had not reflected, after spending minutes over the phone, I discovered the check was just sitting there, no one had bothered to send it to the processing center. Ally Auto claimed it was the wrong address and would send the check over to the right address. They asked for XXXX days for the check to reflect, however, today is XX/XX/2019, and the bank has reverted to its old position of claiming they can not find the check ( {$17.00}, XXXX ), " give it a few more days ''. 
The bank has a call center located in the XXXX and it is extremely hard for them to comprehend simple requests that are made of them. The agents in the XXXX do not have access to much information and can not solve real issues. 
I had to refinance my car in order to get my mortgage loan approved, else, I start paying fines/fees come Wednesday XX/XX/2019. I stand to lose $ XXXX in downpayment money and applicable fines if I do not go to settlement by the agreed upon date. 
An alternate solution will be to have the refinancing company send another check to them and cancel out this one. However, that will take more days I do not have and can not afford. I have had to pay the full amount owed on the vehicle out of pocket. Ally Auto Finance misplaced the refinance check. They practice an inefficient system of receiving checks at one state then forwarding it to a different state for processing. There are two problems with that. The first is that it takes several days to move from point A to point B once they have received the check at point A. The second problem is that they don't track the checks from point A to B. As a result they were unable to tell me where the check was for 10 days and I ended up having to pay over {$16000.00} out of pocket.

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 2022-11-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are inaccurate accounts on my credit report. 
U.S.CODE 1611-CRIMINAL LIBILITYY for willful and knowing violationly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 U.S.C. 6803 -Disclosure of Institution privacy policy 16 C.F.R 433.2 Preservation of consumer 's claims and defence, unfair or deceptive acts or practices.

Company response to consumer: Closed with explanation