BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

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 2022-06-05
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 as I was applied for a XXXX card and got denied. When I called the company to find out why did I got denied for credit, they told me that I have a collection into my credit. Than when I called credit reporting agency and got my report, found out Southwest recovery had place a collection in my account which is I was not aware off. than I called them to find out why they where reporting me to the credit bureau, and they had told me I signed up to received credit card for my company. I told them that they mistaking me for someone else because for the life of my business I have never accepted credit card that it was not me. they sent me a contract that was supposed to sign by me and I told them someone had done that, it was not me. they still don't want to take it off. So I am asking your to help me with this. 
their number is XXXX please let me know what can your do

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX were reflected as late payment 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 100 % true, accurate & correct.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

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 2023-01-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit reporting, credit repair services, 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:
Chase Auto Finance has inaccurately placed my auto loan in a charge off state in XXXX of XXXX. XXXX ( XXXX party auto dealer ) paid the remaining balance of my auto loan in XX/XX/2021, XXXX month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of XXXX  to payout the vehicle but according to Chase, they never received it. Chase intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to Chase stalling for XXXX weeks ) and also because of the disablement of my online Chase XXXX account due to the buying process. 

Ive asked for the XXXX remarks to be removed and provided documentation proving why case - Chase agreed but never followed through with the removal. 

Ive recently learned that XXXX and Chase are now affiliated with XXXX another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: ALLY FINANCIAL INC.
State: AE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ally Bank has locked me out of my account and their website. I was receiving security codes to my XXXX cell phone to access my account, with email as a second option. In XXXX, Ally notified their customers they would stop sending security codes by email. Now they have instituted a policy that they will only text codes to XXXX cell phone numbers, effectively locking me out of my account. Their support office told me I need to get a XXXX cell phone to access my account. I pointed out again that Im in XXXX and have no need for a XXXX cell phone, and have no way to open an account from here. Their response was to repeat that I need to get a XXXX cell phone or access to XXXX belonging to someone else. They werent able to explain how sending my security code to someone else improved my security. They wont text to XXXX XXXX accounts so that wont work either. I filed a complaint with customer support but of course no one from Ally has contacted me as they promised. I am locked out of my account and Ally Bank has made no effort to help me or the others affected by their recent decisions.

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 2022-12-15
Company: Marlette Funding, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Best Egg solicited a loan, telling me I was pre-approved for up to {$50000.00}. This was stated without any qualifications whatsoever by the company. On checking online with their " personal offer '' number, I was made to answer numerous financial questions and ultimately denied credit. Therefore I was clearly not pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2022-10-18
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/22 Digitally submitted my brother-in-laws death certificate to XXXX XXXX XXXX. Per his will, I am his personal representative and he left his entire estate, specifically mentioning his Wells Fargo account, to a charity. 

XX/XX/22 Called XXXX XXXX XXXXXXXX. On hold 10 minutes. After about 20 minutes, the representative told me that Wells Fargo didnt have a form for this situation and I would need to go through probate. 

XX/XX/22 After researching Idaho small estates, filled out Small Estate Affidavit from XXXX XXXX website and had notarized. 

XX/XX/22 Called XXXX XXXX XXXX. On hold 10 minutes. Representative had me email Affidavit and will. She then indicated the affidavit did not meet all of WFs criteria as it did not specify the bank account nor include an under penalty of perjury statement. She further indicated that legal still might not accept the affidavit since I was not the charity. 

I asked to have the WF affidavit form emailed to me. It did not immediately arrive but the representative thought it had probably gone to an external email queue. 

XX/XX/22 Email never arrived. Called XXXX XXXX XXXX. On hold 17 minutes. Representative told me the form had been sent via USPS, not email. 

XX/XX/22 Form has still not arrived in either format.

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 2023-10-02
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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

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 2022-10-18
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage shouldnt be allowed to be licensed for mortgages. My mortgage was sold to them and I had no idea. They were never planned on sending a welcome email so I could create an account. I was forced to call to get my loan number. After attempting to make my payment, they fraudulently took funds from an account I did not authorize that was only kept the funds to be a member of a credit union. They never had that account number and I believe did it to cause a fee.

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 2022-10-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Citi awards account was closed since I have had two payment issues in the last 6 months. I have checked with my bank and this is what seems to be the issue. 
a. I have autopay with Citi to pay full balance each month. I have been doing this for decades with Citi ( same acct since XXXX ) and do it with 3 other cards each month sucessfully. 
b. Citi apparently produces a substitute check instead of pulling the amount electronically. I have images of the checks they have submitted for payment. 
XXXX XXXX XXXX and XXXX the bank rejected the payments since the checks no longer meet the security standards. They told me this is a common issue with Citibank, but not with other companies. 
d. The Citi service center first told me I had to wait for a letter to see why acct was closed ( even though they call me and email me for other stuff ). Tonight I was able to open a case only after insisting I speak to a supervisor. The first agent said he checked with a supervisor about my case and I would have to provide them info to reopen my acct. When I asked for supervisors name, he said " We have a lot of supervisors '', so did he just flat out lie to me about checking with a supervisor? Very unprofessional and shady. 
e. The case id is XXXX filed on XX/XX/XXXX ( I guess its tommorrow at the call center ). She wants me to mail ( again the mail ) in copies of the check that Citi submitted to my bank, a check they produced ( remember I am on autopay, I did not touch the paper checks they are sumbitting. In fact the service center denies they are sending checks to anyone but cant tell me why my autopay is not working every month, or why it works some months. Also I do not want to submit more paperwork to them as it has acct info on it. They should know what they sent to my bank.

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 2019-01-08
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-12
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: Reporting company used your report improperly

Complaint:
Multiple times I have shown the bureaus how they are violating the Fair Credit Reporting Act, when it comes to my credit report I am exhausted with trying to come to a resolve According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of 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 Someone needs to hold them accountable for this Following accounts XXXX XXXX XXXX XXXX XXXX ( NO ACCOUNT NUMBER REPORTING SEE ATTACHED XXXX  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

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 2022-10-18
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WANT TO OPT OUT ASAP OF EVERY CREDIT BUREAU OR CREDIT INFORMATION COMPANY THAT HAS MY NAME AND INFO IN IT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
State: UT
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: Problem with personal statement of dispute

Complaint:
Upon inquiry into my credit report I noticed that XXXX XXXX credit card reported a late payment in XX/XX/2018. I disputed this error with both Experian and XXXX XXXX. Experian made the dispute and contacted XXXX XXXX, XXXX XXXX would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to XXXX XXXX, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.

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 2022-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WANT TO OPT OUT ASAP OF EVERY CREDIT BUREAU OR CREDIT INFORMATION COMPANY THAT HAS MY NAME AND INFO IN IT

Company response to consumer: Closed with explanation