BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/23, I called Axos Bank before their normal hours of operation and received a message saying there is heavy call volume. Hours later, I called right when the bank is supposedly open, but I got the same heavy call volume message. I do not want to repeatedly call throughout the day and test my luck with getting a live representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: MO
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  credit card Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Prior to six months ago, I was able to Unlock and Lock my Debit Card every month end so that I can Transfer funds from my Ally Bank chequing account I named Payables, to my XXXX XXXX account, so that I can pay my XXXX XXXX 

I have never had any interest, penalty or fees for late payments on any of my accounts and the inability to Unlock my Ally Bank Debit Card to make the transfer to pay my XXXX XXXX XXXX XXXX XXXX ), is going to make that happen for the first time and Ally Bank should reimburse me accordingly. 

For six months now, I have been unable to Unlock/Lock my Ally Bank Debit Card using either their Web interface or their XXXX application interface. 

I have spent endless, countless now wasted hours, on the phone, in text and email, with Ally Bank over the past six months reporting this to them and every time they say it will be fixed in 2 days and it never has been for 6 months now. 

I found a workaround to Unlock/Lock my Debit Card, using their AI Text Bot, but when I kindly called to inform them of this workaround, that they admitted many customers were having the same issue, the next month end I tried using their AI Text Bot to Unlock my decor card, it was no longer working. 

It is like they are purposely blocking me from using my Debit Card.

Now I can not Unlock my Debit Card and they say they can not Unlock it either, so I literally have no access to my money and can not pay my bills. 

If XXXX XXXX puts interest/penalty/fees on my XXXX XXXX account, Ally Bank should not only reimburse me for that, they should have to pay me a penalty fee of {$100.00} for 6 months of wasted time, lack of minimal service and holding my money hostage. That {$100.00} minimum penalty should regardless of fixing the problem at this time, given I have wasted 6 months of my time trying to get them to fix this. In fact {$100.00} is nothing, it should be {$100.00} per hostage month for a penalty paid to me of {$600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn . : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( XXXX, XXXX, Experian ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on my credit. 

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 I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has allowed XXXX XXXX to report an account to my credit file without obtaining verification. I have contacted XXXX XXXX course house and will be filing a case against Transunion and XXXX XXXX. XXXX purchased this account from XXXX XXXX XXXX XXXX. XXXX XXXX is aware of fraudulent charges on this account. I disputed this account within the 30 day window with XXXX XXXX and Im still waiting on documents I requested from them and validation of this account. According to the Fair Credit Reporting they must provide me with that information and they hadnt. Therefore, XXXX XXXX XXXXs not allowed to report any type of account to any credit bureaus. At this point Transunion is liable just as XXXXXXXX XXXX for damages to my credit file. I will have a court house case number within the next 3-5 days At this point, Im not playing and I am tired of companies thinking they can do what they want to do to consumers and not pay for what they have caused. Im a new me and Im not letting anything slide anymore. I am fed up I will contact the news team and have them put you all on blast and see about co rafting other consumers that was affected by this same issue. This has to stop like now. XXXX XXXX is only in business because of them pigging back off of other companies and not having their own legs to stand on. Enough is enough. Ive asked for XXXXXXXX XXXX provide all signatures on every last transaction that took place on the XXXX XXXX Account. Im still waiting and therefore this account can not be reported on my credit file. I responded within the 30 window. To XXXX XXXX  and the Consumer Financial Bureau has it on file just in case I need to add additional fees to my case. I attached a letter for XXXX and XXXX  stating that this account is not on my credit file and will not until they provide me with the information I requested so why did you all allow this account to be place on my credit file. Remove it NOW or you will be held reliable to.

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 2020-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/2018 statement. THRE ARE NO BEGINNING FRAUD INVESTIGATION USAA CREDITS. XX/XX/2018 {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * TOTAL ( {$470.00} ) were REPORTED UNAUTHORIZED. ** THIS DOES NOT INCLUDE {$210.00} XXXX RETURN or the ** XXXX XXXX {$120.00} RETURNS. Previous bal zero. Credits {$340.00} posted merchant credits. XXXX NEW BALANCE ) ** ( AFTER XXXX XXXX CREDIT POSTED ) is the {$470.00} REPORTED FRAUD. XXXX XXXX keeps lying to slander my name to the CRAs RETAILATION for my ID THEFT REPORT. XXXX XXXX USAA needs to CEASE AND DESIST WITH THIS SLANDEROUS LIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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 did not consent to authorize nor benefit from the following account. block and remove

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 2022-05-01
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:
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. 

1. XXXX  Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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. 

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 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 2018-04-19
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This complaint relates to a totaled XXXX XXXX XXXX. The car was towed to BMW Account # XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The car stayed there about a week when I was told by the service manager XXXX XXXX to come get my belongings out of the car because it had been totaled out by XXXX XXXX XXXX. And was being towed away. I received a refund check for the state taxes I had previously paid for the car from XXXX and everything seemed to be fine. On my way out XXXX the salesman came to talk to me and stated that since my old car was totaled I should purchase a new car. I told him I was not interested in paying this much again. His manager came out and showed me their loaner cars and said that's what his family drove brand new with just a few miles on them. I paid them {$3000.00} on the spot. I also paid my car payment and had recently paid my car which was totaled on XX/XX/XXXX which was {$530.00}. A week later I receive notification that XXXX had not added a sports package to the assessment and that the car was NOT totaled so I needed to pay them again. I explained I could not pay for 2 cars since they had assured me that the car was totaled. They tricked me into believing that it was paid for. I have been with them since XXXX with no late payments and I am asking that this late payment be removed this is a dispute between them and XXXX. BMW financial is saying they have no control over what their lots do and are not affiliated with them personally. I explained to them they have the same name, the same logo and this is where I purchased my last 3 cars and no one told me otherwise. I even called BMW for a tow service they refused and this led to the car being ruined. Had they come when I asked the vehicle would have never been flooded. For a car over 50k they should have made an effort to get it themselves rather than making a claim. BMW is ruining my credit I called them at least 6 times requesting they work this out with XXXX because they were made aware that XXXX was reassessing the damage. I want this mark removed from my credit. I have not had a late payment on my credit. This is taking it down to fair status when previously it was good and as we know these marks last for upwards of 7 to 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: OH
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/XXXX I'd sent to Wells Fargo a letter inquiring about two accounts listed on my credit report from them. XXXX came and I had received no letter back from them and XX/XX/XXXX I proceeded to fax over a failure to respond. I received by email from them about a week later that they'd received my correspondence and would get back to me. I ended up calling and speaking with one of the representatives in XXXX who assured me my mail had not been sent to another address. She told me all correspondence had been mailed to my current address. By XX/XX/XXXX I'd finally gotten the documentation I'd originally asked for in XXXX. As well as confirmation that my mail had been sent to another address that is about 7yo. The letter also stated that I'd never updated my address with them however in XX/XX/XXXX they had my address when I initially asked about the account. Looking through the paperwork they'd sent me and what they'd sent to the other address my XXXX name and last 4 of my social security number was listed on multiple documents. The bank did not do its part in protecting my information. I have no idea who lives at the address where they sent my mail to. I feel I was lied to when the lady I spoke with assured me no mail had been sent there. This irresponsibility has set me back for an additional 3 months due to waiting on documents as well as the potential for someone to use my information to obtain credit in my name. My address was updated with them as of XX/XX/XXXX. I have since had to place a lock on all accounts in hopes to stop potential use of my information. This action costs money of course. It was my thought that according to FCRA responses to consumers should be within 30-45 days. I called the credit Bureau as well who advised of what actions to take. They also provided confirmation that the address used by Wells Fargo is also not listed on my credit report. XXXX is well beyond the 45 day mark and I am hoping to have some resolution regarding this issue. I feel this entire situation was due to someone negligence as they had an updated address yet chose to send correspondence to an address they had listed on an application as they stated in their letter to me.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Experian in XX/XX/2023 for Experian to correct the balance on my student loans. 

XXXX XXXX XXXX Account number XXXX The accounts were updated on XX/XX/2023 to the correct balance. 

However on XX/XX/2023, the accounts were deleted from my credit report. 

I have spoke several times with Experian representative and they can't provide any evidence of why the good standing accounts were removed from my credit report. 

I spoke with XXXX representative, and they told me that they didn't authorize Experian to remove the accounts. 

This is in total violation of the FAIR CREDIT REPORT ACT. This has been an ongoing situation for more than 30 days and there has been any resolution. This brought my credit report down more than XXXX point to the point that is affecting me and preventing me to obtain a fair credit. 

If my account are not reinstated on my credit report on the next 5 business days I will take legal action against Experian.

Im attaching a credit report date XX/XX/XXXX, that clearly shows that XXXX provided the right information to Experian, and they decided to remove the account regardless.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have recently found out that someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I am a victim of identity theft and have filed and made reports with agencies and am also filing complaints and reports with local law enforcement departments in order to properly dispose of incorrect information on my credit report that certain financial institutions are placing on my name. 

I do not know who used my information, but these accounts must be removed from my credit report! I am attaching the report I filed with the Federal Trade Commision, as well as the affidavit and complaint of ID Theft which I had notarized in front of an official, in order for my request/demand to be made and have the accounts listed below removed from my credit report. 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$12000.00} ( CREDIT CARD ) XXXX XXXX XXXX XXXX XXXX {$21000.00} ( LOAN ) XXXX XXXX XXXX XXXX {$15000.00} ( LOAN ) These three accounts are fraudulent, unauthorized, and were not opened by me!

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 2021-06-09
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:
I had an old account with XXXX XXXX XXXX that was closed in XXXX of 2015. Despite the fact that this account XXXX XXXX XXXX has been closed for 6 years now, XXXX continues to report this account as an ACTIVE account that is 120 days past due. An account that has been closed for 6 years can not still be active and actively delinquent. I've made several requests for XXXX to correct their reporting error, but no action is ever taken.

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 2018-10-16
Company: Netspend Corporation
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My direct deposit from work of {$1100.00} was supposed to hit on XXXX XXXX at the latest ( XXXX promises early direct deposit up to 2 days, so initially I was supposed to receive it on XXXX XXXX ). It is now XXXX XXXX and still no funds have been deposited & I'm accumulating late fees from my bills ( Which their rep stated will NOT be reimbursed regardless of the delay on their end ). They also won't give me any information on when the issue will be fixed. I was told yesterday that it would be resolved by close of business yesterday. Today came, and was told the same thing. Only to just keep playing the waiting game and getting the run around from these people playing with my paycheck.

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