BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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 did not have XXXX XXXX Bank on my personal account at all. This account does not belong to me. Account number XXXX. Im asking to be removed and deleted off my credit report it is not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian has failed to investigate or respond to an initial dispute within its 30-day timeframe regulation. In addition, they have continued to utilize stall tactics to avoid addressing the issues with the items identified in the original and follow-up dispute. I have sent several copies of my SSC, Valid ID, and utility as a means of identifying myself with the dispute. At this point, I would like the incorrect, inaccurate, and unverified items on my Experian credit report to be DELETED. This has become ridiculous and a hassle and I need this matter to be resolved immediately! I have also attached identification to this complaint and my previous complaint and nothing has been done! According to the Fair Credit Reporting Act, According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' However, I have already sent the required identification proving that I am representing myself and need the INACCURATE, INCORRECT, ERRONEOUS, and UNVERIFIED items originally disputed ( XXXX XXXX and XXXX accounts ) REMOVED/DELETED! I will be forced to take further legal actions if this is not accomplished.

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 2021-07-02
Company: BAM Management US Holdings Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I disabled my Binance US account, and I submitted a ticket to reactivate it. Their customer service is very unhelpful. No one contacted me in almost 3 weeks, I sent follow up emails to customer service still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: AZ
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:
I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation, verified the debt and update my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Because og my computer being hackedI tried to change my access info online on the Transunion site. It didn`t work very well and I was eventually locked out. 

I tried phoning Transunion regarding my access, but all I get is a recorded message telling me the mailbox is full and to phone back later!! I`ve tried to call them day and nigh at all hours for several days now and all I get is this same message. I know for a fact the two credit reporting agencies to their best to discourage customers from contacting them, which makes them look somewhat shady operators. 

They`ve made it impossible to contact them without going through literal 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 2020-12-17
Company: Newman, Mathis, Brady & Spedale
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
As a Federally protected consumer this alleged debt collector has violated my right to privacy as well as multiple adverse actions as listed in the attached documents. I request that the CFPB hold them accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
You third class Discover bank. 

This is my first complaint against Discover credit card on CFPB, so how come I reported the transactions mutiple times as disputed? 

Stop showing the credit card as Disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: MN
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: Investigation took more than 30 days

Complaint:
I have student loan under my name and cosigner, with XXXX since XX/XX/XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.

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 2021-08-21
Company: Thrivepoint Financial Holdings, Inc.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of XXXX I contracted with XXXX XXXX XXXX XXXX , XXXX of XXXX XXXX, Iowa for installation of appliances. At the time of their estimate in XXXX, I was offered an opportunity by them to enter into a Retail Installment Contract using XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) to finance the project. The work was completed in XXXX of XXXX. At the time of entering the contract, I was required to provide my credit card information to the sales representative. I understood the monthly payments were to be made on the credit card automatically. I received no communication from XXXX regarding any delinquency of payments I received no notice of assignment to a new servicer. It was not until XX/XX/XXXX, as I was applying for financing to buy another property, that I discovered from my lender that XXXX had placed negative marks on my credit report of 30, 60, and 90 days for failure to make monthly payments on this contract. 
This was shocking. I had never received any notifications either in the mail, electronically, or via telephone that I was delinquent, or that the account was being transferred to XXXX XXXX. 
I have been in communication with XXXX XXXX, and have paid the loan in full. XXXX advises that they are not able to remove the negative credit reports because they did not have the loan at the time it was being serviced, and did not make them. In calls to XXXX  their operator claimed an inability to remove the negative reports because they " no longer service the loan ''. I have written to them requesting this these negative credit reports of 30, 60, and 90 day delinquencies be retracted from my credit report by them. They are unresponsive. Calls are continually rerouted. My new lender indicates they have the ability to remove these entries from my credit report. I now discover from the new lender that my current loan application is being rejected because of the reports made by XXXX were classified as failure to make " mortgage loan '' installments. This was not a mortgage loan! By not accurately reporting them as " retail '' installment installments, I am being denied financing because missed mortgage loan payments are negatively more weighted than installment loans. I have pleaded with XXXX remove the reports. Removal is appropriate because XXXX did not communicate or give me any notice regarding this this account. Even more importantly, THEY DID NO? T REPORT THE CORRECT CLASSIFICATION OF THE LOAN. Had I not inquired of my new mortgage lender, I may not have known of the delinquencies until a small claim was brought. Everything led me to believe it was being paid monthly via credit card. 
I have made many calls to XXXX XXXX XXXX XXXX XXXX. They do not respond.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
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 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4100.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$3300.00} US DEPT ED XXXX {$7600.00} US DEPT ED XXXX {$5400.00} US DEPT ED XXXX {$4100.00} US DEPT ED XXXX {$1300.00}XX/XX/XXXX XXXX XXXX : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc. I argued that you need proof that someone owes a debt before you ruin their credit and their life by placing fraudulent debts/ accounts on their credit report. Their verification per them was name address, dob and statement showing charges. This is not proof of a debt owed the company said that they verified my name and address etc, so its considered valid. They explained that I could not dispute again with in two years unless I could provide some sort of additional information than what I already provided. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency to report this as valid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: M&T BANK CORPORATION
State: MD
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:
As a result of Covid19, my tenant was late paying her rent payment. Which in turn made me late paying my mortgage on my primary residence. I alternate which I pay first. I contacted Ma & T bank, they advised they were not going to remove the late payment because it was one month prior to the Government relief protection. I have not ever been late in my 5 years of home ownership. I asked for a courtesy, the supervisor told me no directly. Please assist, as my score decreased over 75 points as a result.

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 2023-10-05
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. CAPITAL XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and notice to many hard inquires on my credit report from a car reporting agency they pulled my credit with out my consent I need them 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 2020-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: ALLY FINANCIAL INC.
State: MD
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 filed a complaint already and it has been closed. 
On the previous complaint they attached a letter that at one point said I owed them 1 payment that they took out of the security deposit. They sent me that payment back after I called, the reason for this is because XXXX XXXX in XXXX VA paid that amount. I called Ally and they confirmed this and realized they were wrong. 
Ally did fix my credit on XX/XX/21, unfortunately today ( XX/XX/21 ) they put the delinquency back on my credit report. 
Ally has confirmed with me multiple times that ALL payments were made and on time. 
This has wasted a lot of my time and has caused a lot of stress in my life.

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 2023-11-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am reaching out to urgently address a matter of significant concern involving Wells Fargo and a promotional bonus offer that I believe has been unjustly denied to me. This issue not only involves a potential financial loss but also raises serious questions about the bank 's adherence to its own promotional agreements and commitments to customers. 

Specifics of the Case : Initial Account Opening and Offer Terms : On XX/XX/2023, I opened a new checking account with Wells Fargo, motivated by a promotional offer clearly stated at the time of account opening. This offer explicitly promised a bonus upon meeting specific eligibility requirements within a designated timeframe. 

Compliance with Stipulated Conditions : According to the terms of the offer, I was required to open the account with a minimum deposit and receive a total of {$1000.00} or more in qualifying electronic deposits within 90 calendar days of the account opening. I diligently fulfilled these conditions, ensuring compliance within the specified period. 

Validity of the Offer at the Time of Agreement : Crucially, the offer was valid and in effect at the time of my account opening on XX/XX/2023. The expiration date of the offer ( XX/XX/2023 ) does not negate the validity of the contract formed at the time of my account opening, nor does it diminish my eligibility for the bonus, given that I fulfilled all requirements within the stipulated 90-day qualification period. 

Unjust Denial and Inadequate Response : Despite fulfilling all the conditions, when I inquired about the bonus, I was informed that the offer had expired and that I was ineligible. This response is not only inconsistent with the terms of the agreement but also lacks any substantial justification, considering the timeline of my compliance and the active status of the offer at the time of my account creation. 

Failure in Follow-Up Communication : Adding to the concern, the customer service response has been unsatisfactory, with a lack of clear explanation and a failure to follow up as promised, indicating a serious lapse in customer service and accountability. 

This situation represents more than just a personal financial grievance ; it signifies a potential breach of contractual promises and a disregard for customer rights and expectations. The failure to honor a valid promotional offer, coupled with inadequate customer service response, undermines the trust and confidence customers place in Wells Fargo. 

I urge you to give this matter the serious attention it deserves and look forward to a prompt and equitable resolution as this is outright fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I firmly insist that you correct my account to accurately depict 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 2021-08-21
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went to Mercedes Benz in XXXX to get a business car loan. I was told that I would not be a cosigner, that they'd run my credit just to verify my score ( a soft pull ) They ran my credit twice in the span of 5 minutes. I was told they ran it once to verify my credit which ended up being a hard pull, not a soft pull like they explained. And, they ran it again for an approval. When I got the second pull I complained to the financial department and they again stated the first pull was a soft pull. To top it off, I was approved for the car with {$0.00} down but when I looked at the paperwork I saw that they had me down as a cosigner and that it would report to my personal credit not my business credit. When I brought it up they said the deal was already signed and that's just how they do business. And, that's how all car companies worked for business loans, which is another lie. 

When I walked out to start the car, it wouldn't work because the key battery was dead, they then changed the battery 3 times and the car wouldn't recognize the key. Imagine being lied to for 7 hours to have a car that will not start. I let them know I didn't want the car and I wanted the inquiries removed from my report since they lied about everything and the car wouldn't even start. They agreed, but almost a month later and it hasn't been removed.

Company response to consumer: Closed with explanation