BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Problem with personal statement of dispute

Complaint:
i reach out to XXXX and ask them about a dispute that they had investigate and the said the account was verity and i ask them to provide me with the method of verification under the FCRA sec 611 ( a ) and 7 Texas Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-19
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ladies and Gentlemen. Please be advised. I made a purchase with Jared XXXX in XX/XX/XXXX. Unfortunately, they are financed through Comenity bank. We never received the ring after purchasing, due to some modifications that were required. Because the ring was not ready by the promised date of delivery, we returned the purchase of the ring. However, Comenity bank had already started charging me interest. They initially charged me {$120.00} on XX/XX/XXXX. However, that amount significantly increased to {$500.00} the following month. This is AFTER the ring had been returned and was NOT on our possession. I contacted them NUMEROUS times to advise that we did not have the ring. But they advised that I was still required to pay the {$500.00}, even though the account was closed as well. After paying the total amount of {$500.00}, I was charged another {$8.00} the following month ( XX/XX/XXXX ). I paid that amount in addition to another {$15.00}. To prevent them from charging me an additional fee. The account is still closed on ALL the credit bureaus websites. But they refused to close the account and refund me the {$15.00} overpayment. I want them to refund my {$15.00} and PERMANENTLY close my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: FL
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 have recently disputed the inaccuracies of the late payments on my report. The CRAs have stated that they verified this information. However, In accordance with the fair creditor reporting act these creditors XXXX XXXX XXXX XXXX XXXX have violated my rights under 15usc1681 sec602. I also have the right to privacy under 15usc 1681sec 604 ( a ) sec ( 2 ) which states a consumer reporting agency can not furnish an account without my written consent under15usc 1666 ( b ) a creditor can not treat a payment on a credit card account under an open and consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been on hold with Ally for over two hours. I was hung up on four times after waiting over 30 minutes each time. They want you to call in to get help but I can not go through this any more. I was told Ally would help me with some sort of payment assistance. I can not stay on any calls because I keep getting hung up on and then the new rep doesn't know what the first rep was doing and I get put on hold and then hung up on consistently. I am very disappointed in Ally Financial. The rep for the CFPB complaints told me about this supposed relief program but you can't get a hold of ANYONE because you keep getting disconnected. The rep for ALLY that handles the CFPB complaints was certainly condescending and didn't offer much by way of who EXACTLY I could reach and did not offer any extension that I could call. I have tried for TWO hours to make arrangements so that I could catch up my account. I believe the rep for the complaints lied to appease the CFPB and does not really care about whether you can keep your car. I do not believe they want you to get through and do not care if you actualy speak with someone. I am going to speak with the Attorney General 's Office in Virginia and let them know that Ally should be considered a predatory lender and not be allowed to offer loans in the state of Virginia. They should be considered predatory and on the same level as check cashing and installment loan places.

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 2019-07-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Just look on my account with all of my credit score information and one the companies gave me this website to report everything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: FL
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 sent a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXXXXXX Balance : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had opened Wells Fargo XXXX Checking account on XXXX XX/XX/2022 with a cash back promotion of {$200.00}. Terms and conditions of the promotion : 1. Receive a total of {$1000.00} or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening ( the qualification period ). 
2. Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. 

I opened this account online following the right promo code. 
Called on XXXX XX/XX/2022 at XXXXXXXX XXXX.. supervisor confirmed I will get the bonus. He stated that last time I got cash back bonus on XXXX XX/XX/2022. So I am good and will be getting {$200.00} bonus. 

It's almost 90 days and I called Wells Fargo today also. After 2 transfers, talked to XXXX. I am told that they are not aware when i will be getting {$200.00} bonus. She created some case which starts with IN. Call happened at around 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 2020-05-16
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX I filed a dispute through Experian with the Dept of Defense. The item is nearing 7 years and I requested removal. 

On XX/XX/XXXX I received a message from Experian regarding an update to my dispute. The update was them adding a date of removal as XXXX. 

It's my understanding that the item remains 7 years from date of the last payment activity and that the consumer can not change that date. 

How can they add an incorrect removal date.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong

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 2021-01-12
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In XXXX I disputed $ XXXX in a stolen debt card - it took days to finally get in touch to report the missing money for they kept hanging up on me- about 10days after finally reaching someone and filing the dispute I was credited the XXXX well I thought all was good but the way I felt they treated me I switched my ssi deposit to XXXX  -- well last week my stimilus check for XXXX $ was sent to direct express- well they garnished XXXX XXXX of the XXXX -- after finally getting in touch with them again - being hung up on several times first - they said after investigating my dispute they overturned the decision and took the XXXX out of my stimilus- I contacted comerica bank and explained to them what direct express did there reply was they DIDNT investigate after all- I contacted the store atm owner to see if they were contacted for investigating the stolen card use and they said no- direct express owes me XXXX $ - the president of comerica bank and all other creditors said for no reason will the second stimilus be garnished for any reason- but direct express not only took XXXX $ of my ungarnishable XXXX stimilus check they did not reach out at all to investigate my stolen card transactions- I need my money- my name is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-10-21
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:
I am writing to report an issue concerning incorrect information on my credit report, specifically regarding my interactions with Experian. On XX/XX/XXXX, I contacted Experian about the following inaccurate information on my credit report, and as of today, they have not responded. I am providing the details of the erroneous accounts and the necessary corrections : The following account does not belong to me : Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$20000.00} Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3500.00} Please remove this account 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 explanation
Consumer complaint received 2023-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
USAA has been in reception of MULTIPLE lawful payments and has yet to apply any of them to the account I use for my benefit. I believe in all of my heart that the instruments ( aka payments ) have been stolen and possibly sold for value of USAA 's personal financial gain. 

Attached are some of the instruments./payments USAA also commits crimes called double dipping, they expect the be paid twice for their insurance products by payment PLUS remittance coupons that are redeemed via Remittance department. 

Any time I call, I get multiple representatives who never provide transparent answers. 

This bank has been in reception of MULTIPLE negotiable instruments as payments and/or deposit funding and it has yet to be applied EVEN ONCE. 
A XXXX IRS Referral and Interference with commerce IRS Notice, a long with documentation of USAA 'S DISHONOR has been sent USPS to XXXX, Utah in hopes to recover the funds *eventually *, but I hope your department can intervene sooner??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
XX/XX/XXXX {$690.00} {$500.00} I request cashier check on XX/XX/XXXX I paid extra for overnight shipping next day they gave me tracking number since I put request in after XXXX it says will arrive on the XXXX ok cool I waited on the XXXX still havent came I waited the next day still havent came so I contacted XXXX they said the label was created but navy federal never gave them the packages so I contacted navy federal numerous of time they said they couldnt help me so I contacted them through emessage which I have to wait for a response 2-3 days so they contacted me saying I had to write a written request which I did then ithey wrote me back today saying they review my request wait 24-48 hours smh really my lights is off now n XXXX XXXX XXXX XXXX XXXX  now Im in a hotel smh

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I used the payment processor Squareup.com to process payments for my ecommerce businesses in XX/XX/XXXX. I only processed transactions through square on XX/XX/XXXX through XXXX. 

On XX/XX/XXXX, I received an email from Squareup informing me that my deposits had been suspended because they needed more information from me, including bank statements, invoices and my web site address to fully verify my account. I was told I could do so in my squareup dashboard. 

Before I even had a chance to respond to this inquiry, I received another email on XX/XX/XXXX that my account was being terminated completely due to a pattern of high risk transactions. The email said I would receive the money from my active transactions in the normal pay out time frame, which is one to two business days, At this time there was over {$35000.00} in my account. 

After several days of not receiving the funds, I submitted the documents they originally requested. I received an email that I would hear back in two business days. After not hearing from for a week, I made contact with them several times. When I called, I simply received a recording that my active was deactivated and I would get my funds on the date outline in the email. But there was no email with any date, other then the first email which I said I would get my pay out immediately. 

In order to bypass the recording, I created a new account to call customer service. The agent was confused about the status of my account and attempted several time to reach the appropriate team. He told me to send another email and they would response by the end of the day, even though I had not hear back for weeks, I am attaching two emails I sent to their customer service, on XX/XX/XXXX and XX/XX/XXXX asking about my funds. This is in addition to numerous emails I sent through their web contact form which I don't have a record of. Finally, today, on XX/XX/XXXX, I received an email from their account services team telling me that they can not reactivate my account. But I wasn't asking for my account to be re-activated I just want the funds that are in it. I replied and told them this, I still have no idea when they plan to release my money. They are currently holding {$23000.00} in active funds and {$10000.00} which are in disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX ( Original Creditor : 11 XXXX ) 142

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: GA
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:
These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.

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