BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
notice to principle notice to principle is notice to agent the XXXX XXXX XXXX aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( XXXX ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent letters to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third-party people. 

XXXX XXXX XXXX is NOT me. This person used my address. Again, XXXX XXXX XXXX is NOT me. 

There are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After receiving my credit report, I noticed inaccurate information being reported on my credit file. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to XXXX, XXXX, and Transunion about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against XXXX, XXXX, and Transunion for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.

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 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I noticed that fraudulent charges and ATM withdrawals were made on my EDD Bank of America Pre-Paid Debit Card. Bank of America refuses to properly investigate these charges and/or reimburse me of my missing funds. 

After I noticed the fraudulent charges and suspicious ATM activity on my pre-paid debit card, I immediately called Bank of America and filed a claim to dispute the charges. There were 11 purchases ( {$770.00} ) and 24 suspicious ATM withdrawals ( {$3500.00} ) on my debit card. Not sure of how long Bank of America stored the pictures taken at their ATM locations, I made well aware ( and have continue to do so with every call ) that I wanted to view the photos of the ATM transactions that were in dispute. 

In a letter dated XX/XX/XXXX, I learned that my claim for {$3500.00} had been denied because ( they ) believe the account or the claim ( has ) been the subject of fraud or suspicious activity. During the next two weeks I called repeatedly to BofA prepaid card services and when I did reach a human, they were unable to tell me anything about my claim. 

On XX/XX/XXXX I got on the phone at XXXX XXXX PST and spoke to XXXX XXXX who told me to fax supporting documents including my FTC Identity Theft Report to the Bank of America Pre-paid Claims Investigation Division and express my desire to reopen my claim ( s ). On XX/XX/XXXX, I sent a 13 page fax to the Pre-paid Claims Investigation Division requesting that my claim be reopened. A month went by, and I never heard back from BofA regarding my desire to reopen my claim or even acknowledging receipt of my submission. On XX/XX/XXXX, I called to see if they received my request to reopen my claim. On XX/XX/XXXX, I received a letter stating that Bank of America had completed an additional review of my case and concluded that their original decision was correct and that they now considered the dispute closed. 

I called BofA on XX/XX/XXXX to request a copy of all documents including ATM photos that were used in making their determination. The agent said that I would be receiving a letter within 1 week with instructions on how to go about making an appointment with the local BofA branch to view the photos. One week passed by, and the letter never came so I called them again to follow up. I was simply told that they were backed up and to be patient and give it more time. 

It has been four months since money was stolen from my account. I called the police department to file a report. I filed an Identity Theft Report with the FTC. Ive done everything Bank of America has asked of me. I simply want an honest, thorough, and fair investigation. I simply want resolution. 

REF : claim # XXXX/ claim # XXXX claim # XXXX claim # 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 2023-02-04
Company: Experian Information Solutions Inc.
State: NJ
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have been disputing with Transunion, XXXX, and XXXX  about the negative accounts on my report for over six months now. Some accounts are not mine, some are reporting wrong, and some are refreshing to try to stay on my report. I mailed out letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the incorrect items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. There are multiple accounts that are still reporting incorrectly on my report. I sent the first letters via certified mail so I knew when they received them. These are the tracking numbers from those letters sent on XX/XX/XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX / TransUnion XXXX XXXX XXXX XXXX XXXX ) It has been months without receiving a response or having any of the incorrect items removed from my reports. This is impacting my life, my job and my future, which XXXX, XXXX, and Transunion have no regard for.

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 2021-02-17
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medicredit has placed a collection on my credit reports with a date open of XX/XX/XXXX. The first collection letter received had a date of service of XX/XX/XXXX and subsequent letters were sent with a date of service listed as XX/XX/XXXX. This company has inserted this alleged debt with a date opened as XX/XX/XXXX in an attempt to re-age the debt. This is a major violation of the law. I have sent Medicredit a debt validation letter dated XX/XX/XXXX via certified mail and they have not responded but continue to report this erroneous file to the credit bureaus. I have also sent method of verification request to both XXXX  and XXXX and they report back that the collection agency has verified the information. How can it be verified with the reporting of inaccurate information or validation of the debt after requests?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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. 
XXXX XXXX # XXXXXXXX XXXX  # XXXX, has violated my rights. 

XXXXXXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Ally was paid off by my insurance I was in hit run my car got totaled out. I am trying to get new car but ally still on there they need to say paid off I have called twice and emailed them I need help. 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 2022-07-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had issues with Amerihome Mortgage Company over 3 different times where we made a payment and it didn't reflect on our end to show the payment was made. They would misapply the payment to either escrow or deferred balance but not to the principal loan which is how each payment was clearly made.They have been playing games with my mortgage balance and I have to call numerous times each time just to get my issue resolved. Please I am begging someone to help me. I have asked this mortgage servicer to sell my loan to some other company who is more responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account at Citizens Bank many years ago. In XXXX, I legally and officially had my name changed. I brought the necessary paperwork to my local Citizens Bank branch to get the name changed on my account. Citizens was very resistant to making this change. I had to bring the paperwork back to them several times because they either ignored it or claimed that it had been lost. After months of hassle and discrimination, I decided instead to close the account completely. I requested that the account be closed after I emptied it in XX/XX/XXXX. Somehow, before it was completely closed, another charge appeared on the account and Citizens refused to close the account until the charge was covered. 

If Citizens had complied even once with any of my requests, there would not have been any charge that went through to that account. However, now I can not close it and it continues to accrue hundreds of dollars in fees. 

Additionally, my XXXX stimulus payment was later deposited into that bank account since I could not stop it in time, and Citizens used my stimulus money to put towards the charges that they created. 

Because the bank did not do me the service of changing my legal name, and treated me terribly, and subsequently stole my money, I am very angry and upset. I am already in a very difficult financial position and I did not expect my bank to contribute to that position as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Debois, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
Ive had my car since XXXX my payments are set up on auto payments. Last Friday they didnt pull my payment out. Monday she called me and said they needed the payment. My bank information was giving at the beginning of my loan signing so I dont know why it wasnt pulled out around XXXX my car was repossessed. I called Tuesday morning they said I had to now pay {$1100.00} to get my car back. I am a XXXX XXXX XXXX just had XXXX at the end of XXXX and had a financial change. This is my first time missing a payment well not missed because its still in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update or repair these accounts immediately : 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 2021-06-16
Company: ALLY FINANCIAL INC.
State: WA
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:
I purchased a XXXX XXXX through Ally Bank last XX/XX/XXXX. Which I was diligently paying for. On XX/XX/XXXX. There was a payment made of {$13000.00} as shown on my online account portal. My husband has habit of paying my loans so the activity did not surprised me. That left me with {$420.00} loan amount with Ally that I paid for on XX/XX/XXXX. This closed my load with Ally Bank. 

Ally Bank sent me a copy of the receipt via email and mail few weeks after that. I was very patient with the obtaining the title because of pandemic, I feel that XXXX  was closed for a time or having delays. 

I called Ally around XX/XX/XXXX and followed up the title and found out that they made a clerical error on their part and that my car is not supposed to close. Now, XX/XX/XXXX. They reopened my loan and told me to pay {$15000.00}. My car does not even costs this much anymore after more than a year of closing my loan. I recently receive a repossession letter from them. 

I feel that it is not right for me to salvage them and pay for interest because Ally did a mistake on their part and now taking my car and damaging my good credit score. This is a scary mistake that Ally created and consumer needs to pay.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

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 2021-12-07
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
For the past 2 weeks I have been trying to transfer the cash from my PayPal account to my linked bank account and they keep telling me the system is not allowing me due the amount and I should try again in 48 hours. I have made around 20 phone calls and sent 15 emails to get told we are sorry, its just a system security issue. I need the money in my account and I no longer know what to do. I want to sell the remaining Crypto in my account and the system wont let me do that. This is all about protecting Pay Pal and nothing to help the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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