BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: ALLY FINANCIAL INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I phoned Ally concerning a late payment that was reported on my XXXX Credit Report dated back on XX/XX/XXXX. I was a co-signer on a vehicle for my ex wife. It has now been XXXX XXXX and XXXX XXXX and I called Ally Financial to reference this negative mark on my credit ( it was on all three bureaus but was taken off of XXXX ) when I wrote to Ally Finanical but it was not removed from XXXX. During that phone call with Ally Financial I was told that they had no record of my Name or Social Security number for this. I asked if they had any info and they said they could not find any info. I asked then that it be removed. I was told I need the the Vehicle in question that was bought in XXXX by my ex wife who paid it off and does not have that vehicle or any information on it. My issue is they don't have any information regarding me and the negative mark that was put on my XXXX credit report. I have wrote and phoned Ally Financial. I have the account number and they ran it in there system and said it was incorrect but the account number shows up on my credit report. Can Ally be contacted to fix this issue.

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 2019-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have requested numerous times that an executive calls me. I was also told by an " executive coordinator '' would be in contact with me. No one has called me yet, in which this was over a month ago. Their employees provide customers with false information and provide POOR customer service. Both accounts have been paid on time for over 2 years, in which they fail to increase the credit limit on both accounts. Several of their reps have told me that there is an option to have my credit card accounts, " manually reviewed '' and others have said that this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In the summer of XXXX I received a late night message that my XXXX credit rating had went down. Upon checking my credit report the following morning I found a collection on my XXXX credit report from a company named " XXXX XXXX XXXX '' that I owe them a " Balance {$1000.00} '' Balance with a " Balance updated XX/XX/XXXX '' and having unexplained " Account number '' of " XXXX '' opened in XX/XX/XXXX. 

I opened no such account and made no such arrangements of any kind. I've now been given the run around for the past XXXX years and the credit reporting agencies will not appropriately investigate and provide the details of me having opened an account or made payment arrangements. It would appear the collection stems from an account they have no records for which is far beyond the statute of limitations for collections. I have since sent letters to all three major credit reporting agencies which included the following statement : Please adhere to the attached Consumer Financial Protection Bureau CFPB order to XXXX XXXX XXXX in the following document - https : XXXX Additional information regarding the file include : Account type - Debt Buyer Seller : XXXX XXXX  Acquired On : XX/XX/XXXX Account Open Date : XX/XX/XXXX ( I opened no accounts at all that year ) Status - Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Last Payment : {$290.00} on XX/XX/XXXX ( I did not make any such payment ) Status updated- XX/XX/XXXX Contact info Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, VA XXXX Phone number - ( 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It is of highly importance that you are aware and f FRAUDELENT accounts that were open on my good name. I dont know who this accounts belong to Im not liable for them. 
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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am enclosing documents for your review. I urge the bureau to start an investigation into these accounts, as I am never late but am being inaccurately reported.

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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Back in XX/XX/2020, I spoke with a supervisor from Transunion. The supervisor stated they would send out disputes to those 12 companies that pulled my credit report stating that I didnt authorize them to do so. Transunion reps have told me the companies never responded back to them. By law these inquires are suppose to be deleted. Transunion refuses to delete these inquiries after stating that the companies never responded to them.

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 2023-05-10
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased a XXXX XXXX gift card at XXXX on XX/XX/XXXX and added {$310.00} to the card. That same day I tried using the gift card on a well-known website that verifies your identity by withdrawing a small amount from your account. However, before I could verify my identity, the card was automatically cancelled. Upon calling customer service, they told me that if they detect any fraudulent activity, they'll automatically cancel the card and issue me a replacement card which would arrive in 7-10 business days. 

When I didn't receive the card in 7-10 business days, I called them again on XX/XX/XXXX. They told me to wait an additional 2 weeks in case it got lost in the mail. After two weeks, I called again on XX/XX/XXXX and the call representative said I should have just called after 7-10 business days instead of waiting 2 weeks. Regardless, they said they would send a replacement card. This time I gave them an alternative address to see if that would help. I asked if I could get a tracking number, and they said that wasn't possible. I still didn't receive the card. 

I called again on XX/XX/XXXX. I asked if there was any other way to get this replacement card or get my money refunded to me and they said it wasn't possible and all they could do is keep issuing replacement cards and have me wait 7-10 business days. They then said they sent another replacement card. 

When I didn't get this card either, I called again on XX/XX/XXXX ( my most recent call ). They said they'd send the replacement card, but I still haven't gotten it. 

The customer service has generally been unhelpful and I'm not convinced they're sending these replacement cards since I have received nothing since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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 XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ON XX/XX/XXXX OR XXXX 2023, I WENT ONLINE TO MAKE A PAYMENT TO MY ACCOUNT I PAID THE PAYMENT FOR THE MONTH OF XX/XX/2023 HOWEVER AFTER I CLICKED SEND I SEEN THAT I COULD GET A DEFERRAL FOR THE PAYMENT OF XXXX I ACCEPTED IT. THIS WAS NOT DURING BUSINESS HOURS THAT THE PAYMENT WAS MADE SO THE FOLLOWING BUSINESS DAY I CALLED AND SPOKE WITH XXXX XXXX FROM MERCEDES BENZ FINANCIAL I TOLD HER I DID'NT KNOW I WAS ELIGIBLE FOR PAYMENT DEFEREAL FOR THE MONTH OF XXXX COULD IT STILL BE APPLIED SHE SAID YES I ASKED HER WHAT WILL HAPPEN WITH THE PAYMENT THAT WAS JUST MADE SHE ADVISED ME IT WOULDNT BE APPLIED TO THE ACCOUNT BECAUSE I ASKED FOR THE DEFREAL SHE ADVISED ME TO CALL MY BANK AND HAVE THEM REJECT THE PAYMENT OR TO WAIT AND MERCEDES BENZ FINANCIAL WOULD EVEN RETURN THE PAYMENT BACK TO ME. SO WHAT I DID WAS I CALLED MY BANK TO HAVE THEM REJECT THE PAYMENT WELL ON XX/XX/2023 XXXX XXXX FROM XXXX XXXX XXXX CALLED ME AND TOLD ME THE ACCOUNT WAS XXXX PAST DUE I EXPALINED THE SITUATION AFTER A LONG HOLD I WAS ADVISED THE DEFERAL WAS APPLIED TO XXXX AND I WAS GIVEN THE WRONG INFORMATION AND THERE WAS NOTHING THEY CAN DO I ASKED TO SPEAK WITH A MANAGER BECAUSE I WANTED CLARIFICATION ON WHY THIS WAS DONE AS I WAS CONCERNED ABOUT MY CREDIT SCORE SHE ADVISED ME SHE WOULD HAVE A MANAGER CALL ME BACK I TOLD HER WHY DID YOUR OFFICE TELL ME TO HAVE MY BANK REJECT THE PAYMENT SHE JUST SAYS I DONT KNOW A FEW HOURS LATER XXXX XXXX CALLED ME AND TOLD ME BASICALLY IT WAS TO BAD THAT I WAS GIVEN THE WRONG INFORMATION AND THE PAYMENT WAS NOT APPLIED TO XXXX AND IF I HAD ANY ISSUES TO CONTACT THE CREDIT BUREAUS BUT I TOLD HER WHY DO I HAVE TO CLEAN UP THE MIS INFORMATION YOUR TEAM GAVE ME I ASKED TO SPEAK TO UPPER MANAGEMENT SHE WAS VERY RUDE AND SAID THE MANAGER IS OUT OF TOWN NOT SURE WHEN HE WILL BE BACK SHE WAS HESISTANT TO GIVE ME HIS NAME SHE FINALLY DID HIS NAME IS XXXX XXXX PLEASE BE ADVISED ALL THE CALLS ARE RECORDED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: LEXISNEXIS
State: FL
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:
LexisNexis 4 years ago report only 4 pages. This year XXXX page report. So many steps trying to get this report. Duplicates of everything. Has email 's not belonging to me. Has people living in my house that does not. Has me living in places I have not. Shows a wrong SS number in a place it said I lived. Shows this day that I have a XXXX  driver 's license and a XXXX  license. I turned my XXXX  driver 's license to DMV in XXXX XXXX in Florida when I moved in 2002 from XXXX  to XXXX... Entire report so off. You can't deal with this company without hours involved. I putting a freeze on them in releasing my information. This is hurting me. Just want them to correct all information before I remove freeze. A very bad company that does not check correct information before listing on credit reports how in 4 years you go from 4 pages to 134 pages. Wrong information and duplicate information Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a Netspend Prepaid Debit Card for XXXX, XX/XX/XXXX. On XX/XX/XXXX I attempted to activate my card. After submitting my information via Netspend 's activation portal, I received an error message. I have attempted to activate my card via Netspend 's web portal, but I am instructed to call XXXX. The toll-free number only allows interaction between me and the phone system, it does not allow me to speak to a human, and there is no option for me to activate my card. I contacted Netspend via XXXX and while they responded to my message, they have failed to provide me instructions to speak to a human. Additionally, this company requires you to input your social security number in order to activate a *Pre-paid card! * - a Pre-paid card that already has funds in it. I have a suspicion this card is fraudulent as it has been fined by the FTC before. 
As of this report, I am unable to use my funds that have been pre-loaded into the card. 

I would stay away from Netspend and all of their services, and feel horrible for the person that pre-loaded funds into the Netspend card I got as a gift for XXXX. 

I would advise everyone that sees this message to stay away from Netspend and their services, and I hope the FTC shuts down this company for good.

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 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello I am the owner of a XXXX  XXXX  that uses a Bank of America Joint Personal Account with my wife to do business with. Last year during the pandemic I had received a XXXX from the SBA for XXXX. This year my business qualified for the Supplemental Advance and the Targeted Advance totaling XXXX. After receiving these funds XX/XX/21 we began to buy the things we needed. Now we are based in XXXX but we were in the process of moving to XXXX so at that time all the transactions were taking place in XXXX. This was a red flag for Bank of America so they froze our account. After verifying our identity and calling several times per transaction to get our cards unlocked several times, On XX/XX/21 Bank of America proceeded to still closed the account even though we verified our identity and had our account unlocked. After all of this Bank of America issued us a letter stating " At this time, any remaining balance won't be returned to you. As permitted under our Deposit agreement, we've frozen the funds while we review the transactions and validate the source of the funds. '' it has been over 60 days and they have not issue a cashiers check to us for the remaining XXXX. As I said I am a Sole Proprietor and my business uses my social as its EIN so my identity shouldn't have been a problem, I was on the Joint account, I had a card, my previous deposit was approved and it is a federal grant that has processed 2 times before, I don't understand why they have not released my funds to me. Please Help I don't know what to do at this point, Bank of America refuses to give me any solutions or 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-09-30
Company: Experian Information Solutions 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:
Experian is continuing to report fraudulent information on my credit report. I spoke with an agent today by the name of XXXX and he informed me that Experian will continue to report the same information. This information is reported inaccurately its against the law to report information that is not true. 

This is in violation of 18 U.S. Code 1028A-Aggravated identity theft This is an offense : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

This company is using my information without my consistent and publicly displaying this fraudulent information. 

This account is said to be over XXXX XXXX XXXX and Experian continues to report it, and it is negatively impacting my life. 

They are not completing an investigation only continuing to report fraudulent information and if this continues I will file a suit.

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 2022-04-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX Account # 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 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 2023-10-23
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Received an email indicating it came from Wells Fargo Support subject line your account has been suspension quickly verify online banking reference XXXX Stating there has been behavior that appears to be out of the ordinary XXXX XXXX XXXX sign into online account here. 

Best to my recollection, I do not have an account with Wells Fargo support, so I am reporting this as phishing scam 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 explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had this account for over 10 years. And out of nowhere a hold was put onto my account and I have not been able to get money out or pay my bills. The reason I was told was because they didnt have my social security number on file. But when I opened the account I did so in a branch location with my social security card and government ID. So upon learning of the hold I went to a branch location and provided them with my social security card and ID but they still wont unfreeze my account. They wont even let me close my account so I can access my money. I am taking a hit on my XXXX XXXX because I cant pay my bills and I have not been giving any legit timeline on when I will be able to have my money. They cant even tell exactly why the hold is still there! So until they fix this I will be without money and have no ability to cash checks.

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