BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: ALLY FINANCIAL INC.
State: NE
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:
I have disputed the Ally bank info @ least once on all 3 reporting companies and obviously they all get the same info from Ally.this acct is from XXXX and should be removed. I have been told by XXXX it would age off XX/XX/XXXX, XXXX XX/XX/XXXX. However now Ally has changed acct closed dates to XX/XX/XXXX. I have been unable to secure an auto loan since this, even though I had a paid as agreed XXXX XXXX just paid off 2mos ago. I was told by XXXX mgrs they have never seen a closed auto loan be re opened ever much less 7 years.later. I can't get any help from credit agencies and don't understand their broken english. I'm not real savy with this but I hope you could investigate and fix.this. I have never filed a cplaint before but I am being mistreated here and if you look at all dates and documents I know you will understand what is going on. Please help, I have worked hard to fix things and now I get turned.down.for.everything. looking.to use my VA loan to buy a home, I'm a 40 % XXXX XXXX XXXX and I'm not asking for a favor just want this.to be fixed correctly. Also I'm sure last payment was in XXXX. I lost my job couldn't make payments and in XX/XX/XXXX I started getting my SSDA and soon after.my Veteran.Diability or this would never happened. That's why I think XXXX last payment.i just want to know when this will be removed as Ally bank is mad at my disputing but I know they have changed dates etc... Very sorry this is long but I'm very upset and can't get help and will this cover all 3 bureaus? Thanx, 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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear CFPB, I am writing to request the removal of fraudulent hard inquiries from my TransUnion credit report. I am a victim of identity theft and have recently discovered several unauthorized inquiries on my credit report. 

The following hard inquiries were made without my knowledge or consent : XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX . ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 I have already reported these fraudulent inquiries to the credit bureaus and have taken steps to freeze my credit and monitor my accounts for any further unauthorized activity. However, I believe that the responsible parties should be held accountable for their actions. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. In addition, the FCRA requires credit bureaus to investigate and correct any errors or fraudulent information within 30 days of receiving a dispute. 

As a victim of identity theft, I am requesting that the CFPB intervene on my behalf to ensure that these fraudulent inquiries are promptly and permanently removed from my credit report. I also request that the responsible parties be investigated and held accountable for their actions. 

I am counting on your support to help me correct this wrongful action and protect my credit score. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-07-12
Company: DISCOVER BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a CASHBACK DEBIT debit/checking account with Discover on Thu, XX/XX/XXXX. Since then my account was locked 2 times within 24 hours for no apparent reason. I called their support team to try to resolve. The first person I was able to talk to confirmed that my account was locked but could not give me the reason why and said they would have to forward me to another group. I waited over two hours on hold before the call was disconnected. I finally got a hold of someone and they where able to unlock my account. I then went to my account and put in the details to connect my XXXX XXXX  Checking/Debit account so I could transfer money out of my discover account. ( I had deposited a check when I opened the account ). As soon as I did this my account got locked once again. I spent the next two days trying to resolve this issue and wasted 10 hours in total waiting on hold. I would get to 2 to 3 hours on hold before the call dropped. On Monday, XX/XX/XXXX, I was finally able to get a hold of someone and they where able to unlock my account and did not need to forward me to another group. I asked them to stay on the line while i tried to add my XXXX XXXX account. As soon as I did that the account locked again. They unlocked it again and again it locked after I put in my XXXX XXXX details. They then figured out that Discover does not accept XXXX XXXX as an account to transfer money to. Instead of having a message pop up telling me that, the system is designed to lock me out and require me to waste days of time on hold. This is a serious design flaw and on top of that the wait times to get it fixed are unacceptably long. Once I got my account open and my check deposited successfully, I initiated a transfer to my XXXX XXXX XXXXXXXX checking account. Today XX/XX/XXXX I got a message that my account has been locked due to suspected fraudulent activity. Back on the calls I was able to beg someone to let me talk to their supervisor instead of putting me back in the 3+ hour long queue. The manager was able to get me on a special list where the correct team would call me directly within 2 to 3 business days. This is a totally unacceptable length of time to get your account unlocked. My check is now frozen in transit and will not hit my XXXX XXXX XXXX account until this is resolved. I'm at my wits end and don't know how many more hours I will have to waste trying to get my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There is an account. Credit card. Which does not belong to me and would like to be removed from my credit report XXXX XXXX XXXX. Account number ; XXXX XXXX This credit card shows in my credit report. It doesnt belong tome

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Security Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is identity theft. We received information from Security Credit Services ( XXXX XXXX XXXX ( that we owe on a phone Leased from XXXX XXXX XXXX  ) .We did not lease this phone and never owned it. They say we owe {$480.00}. We have tried to explain this to them and have sent a notarized letter with this information. We even made a report with our local police dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Account : XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is still incorrect, all XXXX of the date last active is inaccurate, and date last reported is not accurate. This ground for removal of the account from my credit report & a lawsuit against the credit bureau. 
they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation. I submitted the original complaint XX/XX/ for the company to correct to inaccurate reporting and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these accounts as soon as possible as this is not mine. I'm so stressed and disappointed as I gone through my report because I'm doing everything because of this mistake my efforts has gone to waste!

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

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 XXXX Account numberXXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 2022-07-12
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:
My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/ ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: AES/PHEAA
State: VA
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 have filed for my student loans to be discharged and recent they have been discharged. But that has not been reported to all three credit bureaus to be removed. Which this debt is affecting me heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: MARINER FINANCE, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Mariner Finance, f/k/a Personal Finance Company, has ruined my credit reputation and continues to do so. I fell on financial hardship, due to a medical leave in XX/XX/XXXX, which left me in tremendous debt. I was not offered workout options to help alleviate the debt I was accruing. Most lenders were willing to work with me. Instead, I received a complaint from Mariner Finance. The complaint contains the incorrect name and address. I called the attorney 's office in order to work with them, and have made my payments. I have not received merger documentation to prove that Mariner obtained my loan from PFC. I also have not been provided with an itemized statement of the charges on my account. I have been making my payments to the attorney 's office, and yet Mariner Finance continues to call to not only solicit me, but then to ask where my missing payments are. They are not in contact with the attorney that they hired to take the case. They have offered me a chance to refinance my loan with no payments until XX/XX/XXXX in XX/XX/XXXX via phone call, and then took the offer back due to the judgment on my account on the same phone call. Then, proceeded to ask where my payments were. I have made my payments, ON TIME, to the attorney 's office since I signed the agreed judgment. At this time, I am considering counter suing for lack of documentation, and emotional and physical distress. I can provide all money order stubs to prove payments are being made, and where the money is forwarded to. Why hire an attorney if you don't even communicate with them? This has been a very unprofessional experience, and many glimpses of false hope were provided. I do not think they should be soliciting me for a refinance, and trying to collect on a debt within the same phone call. This has been a very frustrating experience, and has left me feeling hopeless. I hope that nobody uses this company for a personal loan, and at all costs, avoid making the same mistake that I did.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 worked so hard to get where I am right now I've been paying this monthly but here I am asking your help to remove the late payment remarks on these accounts that should have not been in the account in the first place!

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all XXXX bureaus ( Transunion, XXXX, and XXXX ) and I still haven't received a response from any XXXX of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.

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 2021-09-15
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
AMEX XXXX I don't think there is anything in your terms and conditions covering whether I'm liable for charges related to a XXXX  XXXX XXXX? 

That's YOUR problem. That's your merchant. And you have made that our problem for over two years,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At XXXX XXXX CST, I received a call from ( XXXX ) XXXX that I answered. 

An individual came on the line and asked if I was XXXX XXXX and I affirmed. They asked for my address and I stated I wouldnt further identify myself until they told me who they were with and why they were calling. 

They stated it was a personal business matter and to again confirm my address. At this point I asked who they were with again and stated their name and they were with Portfolio Recoveries. 

So, at that point I said so this is a debt collection call and they refused to state that it was until I identified myself which I ultimately did via the last 4 of the SSN. 

Only at that point did they disclose they were a debt collector, stated my debt was too old to sue and that certain actions could restart the timeline of the ability to sue but if that was the case they would not sue, and then proceeded to ask about a XXXX XXXX debt they claimed I owe and asked if I was able to pay it. 

I asked if they could provide proof of validity of the debt, expressed that I dispute the debt as being mine or valid, and they stated they could mail it to me which I refused. 

I also stated that I would send notice in the mail regarding this collection and was told I could either sign onto a website via an account or have them mail something to me. I requested the account number he said he had which was XXXX. I again repeated that this debt wasnt valid and after stating I would contact the company about this the call was ended. 

The refusal to identify themselves, the company or the purpose of the call, refusal to answer a direct question of their identity, then only give the company name without identifying it as a debt collection attempt as well as stating it was a personal business matter that required verification of my identity is a violation of the FDCPA.

Company response to consumer: Closed with explanation