BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello. I have disputed the credit reporting of XXXX XXXX XXXX several times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have uploaded additional documentation with the disputes claims as Experian has requested. However, Experian never updates my balance history and payment history correctly. The balance history and payment history has been incorrect for years. The amounts and dates listed under the paid section are incorrect and erroneous. There are payment amounts listed in which I have never made a payment in that amount. There are also months reflecting missed payments, which is incorrect. I have never missed any payments. 

I have attached copies of the repayment agreement by XXXX XXXX XXXX ' servicer, XXXX XXXX XXXX. I have also uploaded copies of my bank statements showing all payments to XXXX XXXX XXXX XXXX XXXX I have also uploaded a copy of my Experian credit credit report dated 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 2023-04-12
Company: Velocity Portfolio Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've disputed this collection numerous times. I have no knowledge of this account. It keeps updating as if it's a new account. It shows this account was opened XX/XX/XXXX. I did not apply for anything with a debt collection company on that date. I have not received any correspondence about this debt to verify it. I've disputed it XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX with 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 2023-04-12
Company: Southwest Credit Systems, L.P.
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 never did business with these companies. These are medical accounts I've never had, they are not mine. I do not owe these amounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: TX
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 confidentially under 15 USC 1681 Name of Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As 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, 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 know or has reasonable cause to believe that 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 2023-11-19
Company: Experian Information Solutions 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:
Investigate the following accounts that fraudulent charges were made and inquiries : Account name 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 These inquiries are fraudulent : XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-13
Company: Premium Credit Bureau
State: NJ
Product: Credit reporting 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 never gave written consent for these companies to have access to report anything without my consent which is a violation of my consumer laws 15 usc 1681e ( a ) ( b ) and violation of 15 usc 1681c LIST OF FALSE INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: ALLY FINANCIAL INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I transferred {$50000.00} to Ally Bank to take advantage of a account Bonus promotion. The promotion was deposit NEW money into your Ally account and receive a 1 % Bonus up to {$500.00}. My bank transferred the {$50000.00} on XX/XX/XXXX and Ally received it on XX/XX/XXXX. I know this because I called Ally on XX/XX/XXXX to verify they had received the money on XXXX since it was the last day of the promotion. The Ally employee told me they had the {$50000.00} and it was pending. I asked if the fact that it said pending meant they actually had the money and that it did qualify for the promotion and the 1 % Bonus. The Ally employee assured me that it qualified for the Bonus. The money had to remain untouched until XX/XX/XXXX when it qualified for the Bonus, which would then be deposited into my Ally account on XX/XX/XXXX. I noted this in my calendar and called on XX/XX/XXXX to verify the deposit of {$500.00}. I was told that I would not receive the Bonus because the money was not deposited until XX/XX/XXXX. Ally said they had an internal note placed in my account in XX/XX/XXXX advising I was not eligible for the Bonus, but that info was not sent to me. I spoke with a supervisor on XX/XX/XXXX and filed a case regarding this matter. I was told a few days I would get a response. I have called a total of XXXX  times and have been told 3-7 days, 7 business days, 14 business days, give it another week and now have been told that there are SO many complaints regarding NOT receiving the Bonus that the department can't get to answering all the outstanding cases. Online there are groups of people writing about the problems they are having with Ally Bank regarding NOT RECEIVING their 1 % bonus. This situation is unacceptable and during these 2 months of waiting for a resolution to my case and the payment of my {$500.00} they are also holding my LARGE sum of money. PLEASE intervene and help. 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 monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SANTANDER HOLDINGS USA, INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I wrote a letter to Santander board of directors and management team letting them know that they are reporting and attempting to collect an alleged {$16000.00} deficiency balance. I told them that I am disputing the legal validity of the alleged deficiency balance. I also told them that they are attempting to collect a deficiency balance that I am not obligated to pay. They have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. I told them to cease and desist all collection activity, including all credit reporting. I also requested the deletion of all any credit reporting to credit reporting agencies. I told them to write or email me to confirm their compliance with my demand within 14 days. As of today XX/XX/XXXX. I have not receive any correspondence or communication from them. 

Also Santander settled a class action lawsuit with over 34 different states and part of that settlement was for them to delete erroneous inaccurate information from of the customers they took advantage of, credit report. I am one of those customers. As of XX/XX/XXXX Santander is still reporting erroneous inaccurate information on my credit report. Please see details of the class action lawsuit settlement here https : //santandermultistateagsettlement.com/Home/portalid/0 Santander continues to violate the fair credit report act even after the consent order you issued against them back in XX/XX/XXXX https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Atlanticus Services Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I opened a line of credit with Fortiva through XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, OK. This was strictly to purchase my child a bedroom set. I paid payments on time from XX/XX/XXXXXXXX  to XX/XX/XXXX. On XXXX XX/XX/XXXXXXXX  I paid the remaining balance of {$1500.00}. As long as I paid the balance due before the sixth month mark then I would not have any interest. In XXXX of XXXX  I attempted to purchase a lamp at XXXX XXXX and the card was declined. I contacted Fortiva and the representative stated that the account had been closed out. Close to 15 months later, around XX/XX/XXXX I checked my credit report and it showed a past due balance of around {$90.00}. I contacted the company and they stated that there were fees on my account that were past due. I explained that the card is as previously declined as well as verified by a Fortiva Representative that the account was closed. I have been fighting to get this removed from my credit report and with Fortiva to drop the fraudulent fees for over a year now. Please investigate this company as I know if they did this to me then there are others out there as well. It now shows a derogatory mark on all 3 reporting credit agencies as a balance past due of {$190.00}. I have disputed the charges multiple times and they recently charged off the balance as a bad debt. I was able to obtain access on the Fortiva website and it is still saying that there is a balance due of {$190.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n 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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: WI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: MIDFIRST BANK
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my disbursements form my bankruptcy only to find out that payments were transferred from XXXX XXXX Mortgage company to Midfrist bank which is Midland mortgage. and all past due amount are paid so the cashiers check for XXXX added more than enough to cover escrow and taxes and any late fee. please review the XX/XX/2021 Mortgage statement and have them explain what is this total fees and charges are they added to my bill. see attachments and reopen this case.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I spoke with XXXX in the fraud department at Transunion. She refused to remove inquiries off my report that was reported as fraud. All the inquires were connected to the fraud accounts. 
Per the FCRA, inquires can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer 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 2023-03-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked Equifax to ensure everything was complete and accurate according to FCRA 15 USC 1681i on XXXX XX/XX/XXXX. 

I waited 30 days and my credit report was still reporting inaccuracies after their investigation. 

I made a final goodwill attempt to have the matter cleared up on XXXX XX/XX/XXXX. 

I waited another 30 days and Equifax still proceeded to furnish the inaccuracies on my credit report, damaging my credit score and making it extremely difficult to acquire a house for my family and me. 

Also, I asked Equifax to update my personal information on file on XXXX XX/XX/XXXX and my information wasn't updated as I asked. 

This is a complete violation of my rights and a lack of professionalism and care from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a new vehicle on XX/XX/2022, financed by Truist through the vehicle dealership. I then refinanced the loan using my personal credit union. The disbursement of the loan payoff amount was made by my credit union on XX/XX/2022 in the amount of {$34000.00}. I also obtained new GAP insurance from my credit union for the refinanced loan. 

Then, on XX/XX/2022, the dealership mailed a refund check for the pro rated premium on the GAP insurance I had taken out on the original loan. This check, number XXXX in the amount of {$530.00}, was made payable to Trust Product Refunds and mailed to XXXX XXXX XXXX, XXXX, NC, XXXX. The check was cashed by Truist, as evidenced by an image of the cancelled check provided by the dealership. Based on the dates of the payoff and GAP refund, I believe that Truist deposited the GAP refund *after* my loan was paid off, and therefore I should have a credit balance with Truist for the amount of {$530.00}. I can not access my online account with Truist and my access seems to have been cut off once the loan was paid off. Because I opted for electronic statements, I can not verify the final statement showing the payoff amount or any credit balance. 

I have tried calling Truist at least 4 times, each time taking up to 10 phone calls to reach someone who was able to take down my information and promise to follow up. None of those calls have resulted in someone calling me back, and therefore I've had to start the process all over again. 

Unless Truist can show that the {$530.00} GAP refund paid by the dealership was applied to my loan balance, I expect to receive a check in the same amount from Truist payable to me. It is now 4 months after the refund check was deposited by Truist. This is unacceptable customer service.

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 2023-03-13
Company: EQUIFAX, INC.
State: TX
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX  XXXX Account number : XXXX  DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: AZ
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:
Upon requesting validation of the account XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) i was informed that everything was 100 % accurate. However, if its the same account why is there so many differences from all credit bureaus. If your investigation is accurate there is false reporting on my consumer report by having diferent dates and numbers. I have highlighted all differences. Therefore, I demand this accounts to be deleted as you have failed to update them through various disputes. According to 15USC 1681 I ( 5 ) everything has to be 100 % accurate on my report. Its obviously not.

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