BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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 opened an Allegiant Allways credit card last month through Bank of America and was charged a {$59.00} fee which I paid. The second day after using the card for several XXXX purchases, one of the orders was declined and they put a freeze on the card. I called them and they said the card was placed on a security alert, and to use the card, make any changes, or cancel it, I must physically go to one of their offices to answer more security questions and provide 2 forms of identification. The problem is that there are no offices in the state of Wisconsin where I live. I questioned them about why they froze the card and they could not find any reason as it was not an unusual purchase with XXXX. The same day they approved a couple orders with XXXX for a similar amount. I opened the account with the intent off accruing {$1000.00} of charges to attain the bonus points which would have given me a free flight on Allegiant which would have justified the price of the card. Since this is not possible because I can not use the card, I expect a {$59.00} refund. It is unreasonable to require me to physically appear at their office to even close the card. I am concerned about my credit rating which has always been over XXXX because I cant even close it before the next renewal fee. They should either unlock my card or issue me a refund.

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 2022-04-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

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 2021-09-22
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I still have not received the title to my XXXX XXXX XXXX that was financed by Ally Financial. I was informed by Ally on XX/XX/XXXX that I would receive the title in 4 weeks. Review CFPB Complaint Number : XXXX, and Ally File Number: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 2023-07-31
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/23 Experian stated Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The results summary was sent to you for review. Under 15 U.S.C. 1681 I request proof of the furnisher name and business. This is a stall tactic that Experian claims to have verified. I'm not credit repair company nor hired one. The only furnisher of this information is the federal bankruptcy courts. EXPERIAN ALREADY REMOVED 4 INACCURATE BANKRUPTCY INFORMATION FROM MY CREDIT REPORTING BUT CLAIMS THIS IS ACCURATE FROM THE FEDERAL BANKRUPTCY COURTS. HOW CAN YOU REMOVE Experian remove 4 OUT OF 5 AND CLAIM 1 IS ACCURATE? THIS PROVES TO BE A LIE FROM EXPERIAN Once again!

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: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargos continued denial of wrongdoing is unacceptable! When its beneficial to Wells Fargo, the lack of records they dont have access to anymore, claims theres nothing they can do! I have the original Wells Fargo home mortgage statements late payment notices, foreclosure notices every month! All the payments I have attached and sent with this complaint, are the payments from the multiple monthly statements, the XXXX XXXX records, and every single payment written down, has the date, amount, and confirmation numbers with each payment. For Wells Fargo to insinuate they are forged, or whatever excuse is beyond ridiculous. They also have the audacity to say the payments reflected in our bank account XXXX, our bank must have charged a fee and that is why their payment amounts are not the same as our and our bank! Wells Fargo had no idea even in XXXX how much our actual payment was. XXXX had manipulated and defrauded our account. Wells Fargo just began making up numbers and lost payments. We have been assessed late fees from XXXX! On top of the bogus accidental death insurance, the other charges! And the numerous payments made in one month! The last foreclosure XX/XX/2014. As stated in a response about Account foreclosure actions! I have sent a letter from Wells Fargo, refusing our XXXX XXXX XXXX! Rhey couldnt accept the XXXX. Due to it not being enough???? 
Wells Fargo continues running a criminal enterprise! They continue to lie deny and produce fraudulent statements and documents! I have proven that they have and continue to lie and defraud us.

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 2019-01-25
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:
There is no category subscribing to the problem that I am having with TransUnion credit bureau. 
I notice on XX/XX/XXXX XXXX XXXX credit card account XXXX paid and closed, last activity XX/XX/XXXX. The positive account had been removed from file on XX/XX/XXXX the score drop 72 points from XXXX. I understand that positive accounts from last activity is 10 years on credit file. XX/XX/XXXX the account would drop off credit file. The positive account is still on XXXX  and XXXX. 

I had called Transunion twice today and XXXX XXXX. I had gotten the run around by both parties. Can not add the good credit back on to my file. XXXX XXXX had nothing to do with the account being deleted.. TransUnion refuses to ad the positive account back on to my credit file.

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 2023-07-31
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems is trying to collect a debt that is not mine but belongs to my son, which is XXXX XXXX XXXX National Credit Systems is still reporting this incorrect information to all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022 XXXX XXXX transferred certain accounts to GM Marcus Cards. A closed account, I do not have the card for, that to my knowledge has had no balance for years was transferred. GM Marcus refuses to show me the purchases the card supposedly has on it. They can not provide evidence that the purchases are even mine. I am an XXXX XXXX XXXX XXXX XXXX XXXX. All my accounts are on auto-pay ; my other XXXX XXXX has auto-pay on it and purchases I can verify are mine. GM Marcus claims they do not need to provide me the purchases from vendors with dates because the closed account was on auto-pay. I have tried several times to work out a solution with the via the XXXX XXXX XXXX GM Marcus keeps giving the same answer and calling me nonstop to pay them. They are damaging my credit. I am not paying on something that appears to be fraud to me. They will not investigate as fraud. I have tried to get them to ; they are firm on the auto-pay that shows no purchases from vendors or dates. Their behavior is predatory and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This account has been paid off In full but somehow during this process I guess the pay off was short due to getting the wrong info. This account also was never fully 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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:
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.

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 explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: GA
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. 

Account name : # XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$3600.00} Highest Balance {$0.00} Terms 36 Months Account name : # XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$520.00} Highest Balance {$0.00} Terms 1 Months1234, Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Recent Payment $ 112 Monthly Payment {$470.00} Original Balance {$24000.00} Highest Balance {$0.00} Terms 84 Months Account name :, Account name : # XXXX, These Companies 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent them certified letters numerous times asking them to correct the information but they refused. LVNV reported the same thing twice under different company names and XXXX XXXX incorrectly reported that I owe them money. I sent multiple letters to all companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: GA
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:
The credit inquiry named XXXX - XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A State i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX account # 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights .

15 U.S.C 1681 Section 602A States I have the rights to privacy.

! 5 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I had originally lost my credit card and reported fraud for transactions that I did not authorize ( XX/XX/XXXX ). For some reason, transactions dating from XXXX  months back were also reported as fraud, causing me to lose business from multiple merchants. After attempting to resolve the issue multiple times during the course of the next XXXX  weeks with my bank, I still owed XXXX on the credit card. This amount was very incorrect and the customer service representative at the time agreed and reassured me multiple times that I would be receiving a check for the amount of XXXX so that I may manually deposit it and use the funds to pay off most of the amount owed on the credit card. Unfortunately no check was ever received and after contacting the customer service line again on XX/XX/XXXX, the case was escalated to the customer advocacy group and made it clear that I had not received the check and also repeating various times that I could not afford to pay the amount owed. For some reason, Wells Fargo forcefully removed XXXX from my savings account to pay the amount owed on my credit card. In no way shape or form did I ever authorize the transfer to be made but it was. I appreciate your time and help with this. Thank you.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
EQUIFAX IS REPORTING INACCURATE/INVALID INFORMATION ON MY CREDIT REPORT. I HAVE BROUGHT THIS TO THEIR ATTENTION REQUESTING IMMEDIATE REMOVAL IF INACCURATE INFORMATION FROM MY CREDIT REPORT BUT HAVE NOT REMOVED THE INFORMATION AND/OR ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This was with Bank of America. My Name is XXXX. I disputed a transaction that was fraudulent but they've claimed their unable to pay me after making me wait a month. Had it not been able to been paid why would I've not been told sooner? The payment was made before I released the website was a fake copy of a another one. I will never receive the product. I want my money

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 2022-06-19
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:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A State i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it states a consumer reporting agency can not furnish a account without my written instructions

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