BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: AR
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:
My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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: ALLY FINANCIAL INC.
State: MN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am writing to make a complaint against ally bank. In doing my taxes last week, I found out by looking at my XXXX forms thatAlly had closed all my CD accounts, including those for which the due date had not arrived, without my permission, and had penalized me. I early XX/XX/XXXX I had called in order to close XXXX accounts ; the XXXX  which had matured on XX/XX/XXXX, and also the high yield savings account. WHile I do not remember the conversation, I know I did not ask to have all my accounts closed. I know this because it would have been a costly mistake. I had on account due to mature on XX/XX/XXXX, so there is no way that I could have thought it was in my interest to close it early and incur a penalty. In addition, I was not short of money ; as a XXXX adult I have never had less than {$4000.00} in the checking or savings. In addition, the interest rates on all my accounts was over 2 %, so it is unlikely and uncharacteristic that I would have incurred a penalty to close any of them early. THe bank says they have recordings of all my conversations. I spoke to a bank representative, I believe on XX/XX/XXXX who said she would listen to them and call me back, but no one has done so. Please listen to the recording ( XXXX ), and determine for yourself whether I asked for all my accounty to be closed. If not have the bank refund me {$1100.00}, {$300.00}, and {$210.00}. Please ascertain whether the bank representative was asking me irrelevant or inappropriate questions that might have contributed to their misunderstanding and take such questioning into account.

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 2023-12-11
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
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:
Was paying off an auto loan with " TRUIST BANK '' on XX/XX/XXXX, I overnighted via XXXX  XXXX a cashiers check for the payoff amount. 
I was advised the lender requires 2-3 days to process. I can not sell the vehicle, bcse the lender has not released title. its been over 10 days. Every time I call, I am told something different. every promise is broken. I was promised a letter by close of business last Friday showing the account paid in full. Today they advised this letter requires 15 days from request. IE : info changes per each call.. 

after 5 phone calls, 6-7 hrs of my time, I still dont have an answer - other than " weve sent the message to our back office '' completely unacceptable for a consumer to be treated like this. 

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 2023-01-20
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Consumer report agencies have assumed a vital role in the reporting of consumer information and have a duty to report information with maximum accuracy. The information on file is is incomplete, inaccurate and erroneous and is prohibited from being reported by law. I was sent several letters saying the accounts were verified as accurate and the information was still not verified.

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 2023-06-23
Company: Dobberstein Law Firm, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Sent letter saying I would be sue if I dont call to explore options. Wouldnt talk to me so I told them they are in violation and please do not call me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
The company take XXXX hundred something for my account and the company close my account

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 2023-01-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries do not belong to me, i obtained a copy of my current credit report and noticed inquires that i did not authorize and i would like it to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: DISCOVER BANK
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Submitted a previous complaint to discover. Person working with discover keeps giving me the " run around '' and says he will fix it and says he will call back. Was called last Tuesday XXXX and said he would report back in XXXX days. It is now XX/XX/11 and the charges are still on my card, and I have not been called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Property XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX had a mortgage and they let other people rent the house and the they evicted them. I went and paid {$2000.00} cash to prevent eviction but they did anyway and no one moved Out XXXX XXXX is still there with her boyfriend that they say is my online husband

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 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
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:
Credit reporting agency violations : Nonpublic private information has been reported without my permission ( Proper validation of account not done ) 15 USC 1681i 15 USC 1681a ( d ) ( 2 ) ( i ), ( e ), ( f ), ( k ) ( iv ) ( 1 ) 15 USC 1681b ( a ) ( 3 ) ( F ) ( ii ), ( c ) ( 1 ) ( A ) ( B ) ( 2 ) ( c ), ( e ) ( 1 ) ( 2 ), ( f ) ( 1 ) ( 2 ) 15 USC 1681c-2 15 USC 1681e 5 USC 552a ( b ) 16 CFR part 313 17 CFR 248.7 26 USC 7213 Associated accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-10
Company: Experian Information Solutions Inc.
State: NM
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:
At the end of 2022 I noticed an unauthorized credit card account from XXXX on my credit report. I immediately contacted Experian, who promptly removed the fraudulent account from my report within a couple of days. They froze my credit and added an identity theft alert. 
Shortly after, at the beginning of XXXX I saw a personal loan from XXXX on my credit report, without any inquiry appearing from when the loan was applied for. I again immediately contacted Experian to dispute the unauthorized account. This time the dispute was denied, and Experian explained that the information was verified with the lender. If I felt this was in error, I could reopen the dispute, but I would need to file and Identity Theft Report with the FTC and try to contact the creditor. I did both. However, when I reached out to the lender, they said they could not assist me unless I emailed them from the email used to obtain the loan, which is clearly impossible. 
Furthermore, Experian required that I upload not only the Identity Theft Report on their portal but also my government issued ID and a bill or bank statement. I obliged, yet continued to receive emails saying that they could not honor my request and to submit all this verification. 
I elected to call and proceeded to wait on hold for 40 minutes to speak to a supervisor. I was eventually informed that one was available and that I would be connected. After about 10 minutes of dead air the call was disconnected.

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 2022-03-21
Company: CITIBANK, N.A.
State: IL
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:
I have been having an ongoing dispute with XXXX credit card. I never received my replacement cards back when I reported them lost/ stolen first in XX/XX/XXXX then again in XX/XX/XXXX. Someone made fraudulent charges to my accounts. I received a statement today and it appears that Bloomingdales has resolved the dispute for fraudulent charges made in XX/XX/2022 but I have no idea what the balance of XXXX is for. I have been trying to work with their fraud department to resolve the issues but can't seem to get a straight answer. 

I nor did my authorized user on the account make any charges since neither of us ever received any of the replacement cards sent by Bloomingdales

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 2023-11-29
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not liable for this debt ( charge off ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXXXXXX EXP DATE : XX/XX/XXXX  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 2023-03-10
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: Reporting company used your report improperly

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. Recently I saw late payments appear on my consumer credit report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer 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 2022-03-21
Company: TD BANK US HOLDING COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
TD Bank Headquarters XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to complain about my experience and service of how fraudulent charges on my credit card were handled. 
On XX/XX/XXXX I received a text about a fraudulent charge on my account, I instantly called TD to inquiry about the charge. When I spoke to the agent, we reviewed charges and discovered there were multiple unauthorized charge. The charges were XXXX transactions of {$200.00} for XXXX XXXX ( Total {$400.00} ). Agent informed me that charges would be investigated. 
On XX/XX/XXXX I received a letter that after reviewing and investigating available information and documentation that I was responsible for the charges. After receiving the letter I called TD bank. They informed me that I could appeal the decision and that I would be contacted with a decision. In XXXX, I called to follow-up because I had not received a call back and was informed that they were still reviewing and I should be patient that the case was still being reviewed. In XXXX, I called again and I received the same response to be patient. In XXXX, after still no response from anyone from TD, I called back and was informed that they never call any customer back with a decision and that my appeal was denied and I was responsible for the charges I had never made. I asked to speak to the appeals department or someone in a higher position. The agent informed me that there was no one who could assist me because they were the highest contact I could speak to via phone in regards to the matter and I needed to contact headquarters. I also, tried reaching out to the branch and they told me that there is nothing they could do in the matter, either. 
As you look at my history, I have been a customer for a long time and Ive never been late on a payment. I had a {$12000.00} credit limit and I have always shown to be responsible with my accounts. I had {$50000.00} in my checking account, which has now been closed and moved to XXXX due to the service received in this matter. After being a customer for so long, I felt I deserved the respect of a phone call about this situation but nothing. 
So as of right now I have these charges on my account that I have never made and they are accruing finance charges on them to. Honestly if I had made the charges I would have paid them because Ive made many charges on the card and as you could see in my history I have always paid. There would be no reason for me not to pay if I had made them. I would appreciate a call back on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-10
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have sent in three work certification forms to MOHELA and they all have been canceled and have been claimed to be duplicates. The first was sent XXXX, the second was sent XXXX and the third XXXX. They have stated that it takes 90 business days and each time I come close to the 90 days they claim it to be a duplicate. I am at 125 payments with my PSLF and can't help to believe this is a delay tactic from the servicer. I am very upset at their abusive tactics at handling their clients. The mental anguish is paralyzing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion continues to furnish false information. I have submitted multiple disputes for a collection account posting to my credit file in the amount of XXXX In XX/XX/XXXX, I submitted an online dispute through service.transunion.com and mailed in supporting documentation. This supporting documentation, which I am also attaching here, is from the collection company clearly stating this should never have been a collection and to DELETE the collection. However, Transunion verified the collection. I called Transunion on XX/XX/XXXX, and I was told I need to submit another online dispute and attach the documentation to the online dispute which I did. On XX/XX/XXXX, the online dispute " result '' posted as " delivery by postal mail '' NOT " in process, under review '' or anything that would suggest they were actually looking into the matter. I called Transunion on XX/XX/XXXX and explained the situation ( again ) and was told no supervisors were available. I was told the dispute department was " unable to see my documents '' but that " the back office '' " more than likely '' could but that " we aren't allowed to transfer calls back there '' and I was unable to verify my supporting documents had been received. This collection is causing me financial harm and I need it removed 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 2023-12-10
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please Remove this account immediately off of my report. You are reporting inaccurate information which is a clear violation of the law. 15 usc 1681e ( b ) states- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates below I have attached my credit report and evidence of your inaccurate reporting.

Company response to consumer: Closed with explanation