BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report from XXXX and equifax and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Google Compare Credit Cards Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 Google XXXX took {$200.00} worth of charges without my authorization, off my debit XXXX. Now my account only has a balance of XXXX. I've reached out to Google. 
I'm very upset, I can't get through to the XXXX numbers provided online. I've even tried to download a dispute form from offline. This was to no avail. 
Please help me get my unauthorized charges credited back to my XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/XXXX, I purchased a vehicle that was financed through Ally Financial. My first car payment was due at the end of XXXX. When my car payment was due the government shutdown occurred and I was without pay until XX/XX/XXXX. I immediately contacted Ally Financial to let them know I could not make my car payment. They were SO understanding and offered a 90-day payment deferment until XX/XX/XXXX. I felt so relieved! They only explained to me that my payment was deferred and my payment would have a new due date. When the new due date approached I checked my account and found out the car loan was WELL beyond what the loan was. They charged me 20 % interest every single day that I was unable to make the payment due to the shutdown. They made it seem like they were helping me. The loan amount originally came to slightly over {$20000.00}. To date, I have paid them over {$3500.00}. In XX/XX/XXXX, the vehicle was totaled in a car accident. My insurance company paid Ally Financial {$19000.00}. My gap insurance paid Ally Financial {$410.00}. To this day, Ally Financial is reporting that I still owe them {$1700.00} because they charged me unknown fees when my vehicle was paid off. They are demanding I continue making {$500.00} payments and even harassing me at my work to get payment from me. They have received well over what my loan was worth. They are being completely unwavering and unwilling to settle this debt. I think it is unfair and unjust that they are collecting profit from a situation I had absolutely no control over. They offered a solution by deferring the payment only to cause me a hefty price to pay for it. I really need some help to resolve this matter because no one in Ally Financial sees how unfair it is that they are coming after me for a debt I do not owe. They are reporting me as late and have been reporting me as late on my credit report since the vehicle was totaled because I did not make a payment knowing the car was totaled and insurance was going to give them close to what the loan was worth. I thought that would take car of the amount owed and the debt would be paid but they still came up with a way to try to force more money out of me. I work for a federal agency and they are harassing me on my work government phone line as well. I have attached the gap insurance findings. As you can see, the balance when the car was totaled was less than $ 20k. They were paid out for the car but they are still reporting that I owe {$1700.00} and they are calling and emailing me to collect a {$490.00} payment from me. Please help.

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 2022-09-28
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My discover online saving account be scam and without my authorization to process XXXX transfer funds to other banks during XX/XX/2022 to XX/XX/2022. Someone stole my information and open accounts and access discover online saving to withdraw my money. I reported to discover bank on XX/XX/2022 immediatley when I found this fradulant transactions.. They closed my account xxx XXXX and issued a new account xxx XXXX to me. Discover has filed an investigation for my disuputes, however, they send me a letter on XX/XX/2022 said XX/XX/2022 to XXXX bank ACH transaction {$10000.00} ( total are XXXX XXXX transaction {$20000.00} ) are valid, and will debt this amount on XX/XX/2022 from my account. I call XXXX bank represententive : XXXX to report Identity Theft today. She told me she can't find my account. 

Following list are transactions for dispute. 

on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$55.00}, on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$4800.00} on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$0.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022 XXXX payment to XXXX XXXX, amount {$600.00} XXXX filed a police report with sheriff : XXXX XXXX XXXX ( her email : XXXX & XXXX : XXXX ) with case number : XXXX on XX/XX/2022 since discover will reverse {$20000.00} ( on XX/XX/2022 ( XXXX XXXX Bank ). I need additional information to ask Discover to reopen this dispute. I call Discover bank today to get copies of the documents regardings their investigation. They say they don't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 


Address : XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX  XXXX, SC, 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 2022-09-12
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}

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 non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: SC
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 sent out NUMEROUS letters to the Following Credit Bureaus. Transunion, XXXX XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!

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 2023-12-17
Company: Southern Auto Finance Co
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX reporting information is inaccurate and according to the FCRA this account has to be deleted for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I had a collection reported to all three credit bureaus for a {$160.00} debt that was over 4 years old. I sent three letters to the collector seeking validation of the debt. The collector refused to answer any of the questions or provide validation information. I then sent dispute letters to all three credit bureaus asking for the collection to be deleted because the creditor would not answer any questions or validate the debt. XXXX and XXXX investigated and deleted the information, however, Equifax responded by " updating '' the report. However, the update did not provide any new or verification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: CO
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 multiple fraudulent and unauthorized inquiries. I have submitted certified letters of disputes and still have not been 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 non-monetary relief
Consumer complaint received 2023-04-27
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is in follow-up to complaint XXXX, which was already closed ahead of the XXXX XX/XX/2023 window because of my preliminary reply : I am pleased to report that I was finally able to recover the residual funds of the closed joint checking account of my wife and myself, thanks to the BoA staff at XXXX XXXX XXXX, where I eventually was permitted to cash my check in person on Thu, XXXX XX/XX/2023. 

However, the process to achieve this was anything but straightforward, and clearly dystopian : Effectively, BoA forced me, and my wife, former customers of 40 years of BoA or associated companies, to - physically travel to the XXXX ( a XXXX flight from XXXX XXXX XXXX XXXX - Absorb the costs of air transportation, lodging, and sustenance to recover funds. 
- Forgo use of money compensation ( eg, interest ) for the period between XX/XX/2023 and XXXX XX/XX/2023. 
- Accept the retuned funds as CASH (! ) ( rather than remitting funds to XXXX of my XXXX accounts )., as once again, BoA declined any options that would include remittances/wire transfer of the funds recovered to a USA-based account XXXX mine. 

The experience I went through revealed a string of corporate incompetence and doublespeak, in particular from the staff of the XXXX XXXX Department. 

BoA purports to operate in the name of safety, but firmly projects its corporate power disregarding health and safety aspects of its clients, e.g., by declining any forms of non-cash transfers to named XXXX accounts, and thus forcing me to spend days with a substantial amount of cash in the XXXX XXXX XXXX, without any option to dispose of this cash before being able to return to XXXX XXXX. 

My suggestion is that regulatory pressure is exerted to have BoA amend its policies to open suitable exceptions to prevent situations my wife and I were exposed to. 
Thank you, CFPB!

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 2021-12-02
Company: OPTUM BANK, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I gave birth on XX/XX/XXXX, and my child received care from the hospital ( XXXX XXXX XXXX XXXX XXXX in XXXX, MA ) from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX, I saw claims for this care in my XXXX XXXX web portal and paid them using my Health Savings Account ( HSA ) from Optum Bank. These payments were in the amounts of {$160.00} and {$170.00}, owed to XXXX - XXXX at XXXX. Funds were withdrawn from my XXXX for these amounts. 

However, on XX/XX/XXXX I received a pre-collections notice from XXXX - Neonatology at XXXX stating that my account was overdue, including the {$160.00} and {$170.00} I had already paid. 

I proceeded to call Optum Bank and speak with representatives on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to determine where my payments were. During those calls, I was told the XXXX payments in question were sent via physical check to the hospital department. Customer service reps confirmed the physical address the checks were sent to. This address was incorrect and I provided the correct po box over the phone. I was told a Stop Payment Order would be issued for the XXXX checks and new ones would be submitted to the correct address ( I also called hospital billing to share this info, where I was told they often had problems with HSAs like this ). 

During these calls with Optum, I was promised numerous times that I would be emailed a receipt of payment. I clarified my personal email address to ensure delivery, but never received any communications. 

On XXXX I received a final collections notice from XXXX - Neonatology at XXXX for the amounts of {$160.00} and {$170.00}. I proceeded to call the billing department and pay the full {$330.00} using my XXXX debit card to avoid being sent to collections. Since I had been told the payments were via physical checks, I thought payments could be stopped and I wouldn't lose any money. 

I then called Optum Bank on XXXX to ask for stop payments and was told new information : That the checks were electronic and no stop payment could be issued. I told the customer rep I had received conflicting information previously, to which he had no explanation. 

I asked if the payments could be reversed or canceled and was told no. I asked what would happen if the hospital billing department never processed the payments and if there was any sort of deadline for processing and was again told no, the payments would just stay in limbo. The only possible solution would be for the hospital to call Optum XXXX. So now I am out {$330.00}, with no way of reversing charges or getting the money back, due to numerous mistakes and misinformation on Optum 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The Items I need deleted are listed In the report. I am a victim of identity theft and did not make the charge. In accordance to the FCRA I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the federal trade commission an I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: IN
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, Navient will not stop harassing me. This is the voicemail I received from their company.. 
The number is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation