BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-10-31
Company: BBVA FINANCIAL CORPORATION
State: LA
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:
The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX  and XXXX  to remove late payments. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company.They have not provided me with documentation showing any type of agreement between myself and Barclays Bank DE. I requested a copy of any and all agreements to validate this collection/debit and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copies of my letter to them, FTC Opinion Letter, their response. Please be advised that the copy of the response you see from them is why they continue to send me over and over again, ignoring request of other information.

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 2020-08-21
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX is fraudulent on my credit Account # 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 2019-05-23
Company: ALLY FINANCIAL INC.
State: NJ
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 had a vehicle that was totaled on the same day as the car note payment for that month ( XX/XX/XXXX ). I purchased full coverage through XXXX XXXX AND total loss protection ( gap ) insurance through XXXX XXXX XXXX XXXX XXXX. when I bought the car in spring of XX/XX/XXXX. I filed a claim immediately and my car was signed over to XXXX XXXX  so they could handle the claim in its entirety. Now, Ally Bank has claimed that I've owed them {$330.00} ( which I don't understand because my payments were only {$230.00} a month ) and this has plummeted my credit score from a mid 700 to a low 500.  I've been trying to resolve this for almost two years now and when I tried to call Ally about it, they either ignore me, hang up the phone, or keep me on hold for hours. I have submitted documentation of my insurances and a letter from my agent stating that XXXX XXXX took ownership of the vehicle, yet there still remains TWO " XXXXcharge off '' marks on my credit score for this same issue. From my research and understanding, once you get one " charge off '', that's supposed to be the indicator that a company has given up on trying to collect from a consumer directly and has sent the payment to collections. They also lied and said I paid them and was in good standing for three month of XX/XX/XXXX. The information is inconsistent and scattered and incorrect across all credit reporing agencies and I need it off my credit report entirely.

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 2017-06-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX 2013 XXXX Volunteer repo Lose my job and I told them come and get it the the lady told me it will not be on my credit and I see that was I lie and keep calling me tell me it 's going to damage my credit and I see as if today they sold it to other lender

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked XXXX with IQ Data to remove my company office phone from my file and only contact my personal cell phone or my home number, which he said he would. XXXX keeps calling my office regardless and now I have received a formal warning from my employer about taking personal calls during work hours. If this action continues I will be suspended or terminated from my job. This is harassment and needs to stop. If my employment is terminated I will be seeking legal damages from IQ Data.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Greetings, This is my forth loan with lendmark financial. They used my car title as collateral for the loan, but always try not to use the words " title loan '' as it is illegal in NC. So ... on my forth loan the transmission went out on my XXXX   XXXX XXXX. I simply can not afford to fix it, pay them {$160.00} a month, and pay for full coverage on my XXXX income. I have never been late not one time and do not plan on it as I understand the importance of good credit, but they are leaving me no choice. I have tried to remedy the situation by speaking with them several times ( at the XXXX, NC Branch ) even asked to do a voluntary repo, but they do not want to cooperate at all. I asked if they could re-fi to help lower the payment, have spoken with credit counselors, advisors, reading over the NC Laws and gotten legal opinions. I am completely stressed over the whole thing. I need a remedy to this mess I have gotten myself into, that will not leave leave flat broke or credit unworthy. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Midwest Recovery Systems
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've receive a call from this number twice now. I XXXX  the number and it was to the collection agency that I've already settled the debt with and has also been verified on my credit report. The issue is they ask for my name but they would not identify who they are associated with. They immediately call and ask for my name and if they are speaking me. But, both times I communicated I would like to know who they are and to identify the company they represent. Both times they shut down and this last call as soon as I asked they hung up on me.

Their means of communication is very suspect. Their means of handling debt claims is very unorthodox as well. I never received a notice in the mail or an explanation for the the dept or who turned in the debt that I allegedly owed. I just paid the XXXX  dollars to get it off my credit report and now they are hassling me again.

I do not desire reparation, I just want this addressed and to no be bothered by them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: WELLS FARGO & COMPANY
State: MI
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:
Around XX/XX/2021 I contacted Wells Fargo after visiting XXXXXXXX. I found incorrect information in my report from Wells Fargo. I received a letter from company in XX/XX/2021 stating that full balances would be reported to all 3 credit bureaus. When I pulled my report I found the company had not updated information in over a year. This information provided by Wells Fargo on my credit report hurt me dearly I was denied a new line of credit related to having high balances. I was in good standing with my payments and needed this info provided for new credit. I contacted the executive office and was given a cut dry response about the creditors option to suppress information and not report but did admit to sending this letter ( attached-can be found under response ). Since my car has been totaled related to theft the bank has still not updated my credit information. The bank reports last payment of XXXX which is incorrect my last payment was XXXX posted XXXX. The company changed the amount of late payments from 17 to 14 missed payment. I have disputed this with all 3 credit bureaus and the company I don't know what to do. There were different amounts for the balance due across all 3 bureaus ( they were updated ) XXXX last payment XXXX balance- {$6500.00} 17 missed, XXXX-last payment XXXX balance- {$6500.00} 14 missed, XXXX- no last payment balance {$6500.00}. Since I have received a letter stating that I owe no balance on the car but my credit report and this letter was dated XXXX. This is hurting me and a direct violation of 15 USC 1666-1666j if missed payments were adjusted then where is my refund or credit why is the info different across the bureaus. This company cashed a check from the insurance agency for more than loan balance amount has not updated my credit info or sent me a refund for the difference this if fraud. I am entitled to Statutory and actual damages from this company.

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 2018-10-31
Company: Blitt and Gaines, P.C.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Back in XX/XX/2018, I tried to re-write my Loan with XXXX XXXX. After several calls, To check the status..approx. 75 days later I still had not received a approval or denial. After finally making a complaint with XXXX customer service. I received a denial on the re-write.This being almost 3 months later. XXXX did contact me in writing stressing being at fault, not how they usually handle customers. Well I was told not to pay any payments while in review. This putting me behind in payments 60 days or more. Well XXXX  sent it to a collection agency as a written off debt. XXXX  informed the collection agency to work out a payment arrangement. Well This has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: MO
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 disputed the Bankruptcy reported on all three credit reports. Both XXXX and XXXX  ( see attached ) removed it. Equifax removed it and then placed it back on the file one week later saying that it was verified through the 3rd party company XXXX ( see attached ). I spoke with a representative at XXXX who confirmed that they have not verified this info with Equifax as my file is suppressed and frozen with XXXX. I asked Equifax several times to provide the method of verification and the response is always XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in reference to the " Expedited Funds Availability Act ''. On Friday, XX/XX/2018, I deposited a check at a Bank of America Branch. The check was in the amount of {$83000.00} and was drawn on my Retirement Bank `` XXXX XXXX XXXX XXXX XXXX ''. " XXXX XXXX XXXX  XXXX XXXX '' cleared on their end the check on XX/XX/2018. I called Bank of America this Morning and asked why the check is not showing yet and was told I won't get anything until 6 days from now XX/XX/XXXX because they have to process on their end. I then asked can I have {$5000.00} in reference to the " Expedited Funds Availability Act '' and that it is cleared from XXXX XXXX. I was told that there is no such Act. I then called back later to speak to another Customer Service Representative and she said Bank of America doesn't participate in that and I said : Why? No one is above the Law.

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 2019-05-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had request my daughter to remove her name off my checking account, I was told she removed he name from my account XX/XX/XXXX, so I would not have to open a new account. 
Also I remover my child as power of Attorney over my checking account. Documentation was provided to the bank. 
At no time did Chase Bank Manger, located at XXXX XXXX XXXX, XXXX, Texas tell that someone could assess my account on line- I told him several time that I was a XXXX person of XXXX, and my child had be using my account as her personal account and I wanted it stopped. He laugh about the matter. 
He never told me an app and my account had on-line assess ad of XX/XX/XXXX. 
THE manager has done every thing in his power not to stop my account from being abused. 
). However, that has been a on-line scam set up on my account through XXXX, every two weeks money is being drafted out of my checking account without my permission. I want my money put back into my account as of today. Otherwise, I will call the police and make a report and take legal action against this bank. XX/XX/XXXX ( amount of XXXX ), XX/XX/XXXX ( amount taken from account XXXX ) again XX/XX/XXXX ( XXXX ), XXXX told me the person is removing money from the checking account though a website. My XXXX card was cancel. that I want all on-line bank assess to my checking and savings closed that include all Apps. No one should have any apps or on-line back XXXX to any account at this point. Chase refused to stop the online banking on my acount. 
I ask for a print out of the account, he refuse to give me one until I told him I had concern. he gave me a print out but without who was pulling money from my account. 
Next, after calling U.S. Department of Veterans Affairs, a insurance check was deposit into a saving account without my knowledge ( check amount {$10000.00} ) XX/XX/XXXX. I have no knowledge of every having a saving account with my name on it during this period of time. But and investigation has started. Who set up a saving account in my name in XXXX, I have no knowledge of Chase giving me information about a saving account. 
Chase Bank in XXXX is helping to abuse my account and will not give me correct information on the account, I want this matter look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was supposed to be closed several months ago my account has been blocked and I have been unable to obtain any information and I have been lied to numerous times. CitiBank financial group is one of the most unscrupulous banks I have ever dealt with in my life they have caused me such a financial hardship that I have lost my home I have been unable to eat unable to have a place to stay and Ive even had the belongings that I had put in storage because I lost my home repossessed and sold because I couldnt afford to pay my storage bill CitiBank hes promising they are going to send my money in a check and they have refused to do so they will not release my funds they have had my money since XXXX it is now XXXX this is completely illegal and a violation of the Department of banking and insurance guidelines and statutes nobody will do anything to help nothing has been done to fix this CitiBank always Replies with some ridiculous bogus response that looks like theyre doing the right thing when they are not doing anything at all the reason why I am making a complaint is another written formal Paper trail to prove what they are doing 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 2018-10-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
today, XX/XX/2018 Attempted to get my yearly credit reports from XXXX, Equifax, and XXXX on XXXX. No problem with XXXX but the other two refused saying insufficient info was given when they received the same info as XXXX. This is what I got from XXXX which is similar to which I got from Equifax : " Sorry, we are unable to verify your identity This is usually because your information has recently changed, you don't have enough credit history, or the information was entered incorrectly. If you believe you entered your information, incorrectly, click here to try again. '' However, the same identity information was given through the website ( XXXX ) to XXXX   which was accepted by XXXX, The other two, XXXX and Equafax asked further questions regarding matters that they claimed to be in my file. My answers to those questions apparently was wrong, Which means THERE MUST BE MATTERS IN MY FILE IN THOSE AGENCIES THAT I AM NOT AWARE OF! THAT IS THE EXACT REASON I SHOULD SEE MY FILE! 

Also, when I went on XXXX 's website to freeze my report all went well and it froze my report. 

The other received the same information on their websites and on the phone and again refused saying I did not give sufficient info to ID me, info that appeared on the respective reports, info which I am not aware of. This is not info regarding my identification, etc., which is the same info that XXXX   received. The telephone reps even knew my ID info from my telephone #. Each asked questions regarding debt, notes and vehicle purchases which do not appear on the XXXX   report and which I am not aware of, in order to be assured that I am who I am. THIS IS CRAZY! It puts the cart before the horse. 

IT WOULD SEEM THESE TWO AGENCIES ARE JUST PUTTING ROADBLOCKS UP TO DELAY OR CAUSE ME SO MUCH WORK THAT IT IS NOT WORTH THE TIME TO PURSUE MY RIGHT TO GET MY REPORT AND/OR FREEZE MY ACCOUNT! 

XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( My address since XXXX ), XXXX XXXX XXXX ( A telephone number for about the same amount of time. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Clarity Services
State: LA
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:
Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: NJ
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 am a XXXX XXXX XXXX & XXXX XXXX Veteran and I went through the proper channels to get my student loan forgiven and discharged. As of XX/XX/XXXX, the student loan in the amount of {$140000.00} was permanently discharged and suspended. The other two credit reporting agencies XXXX  and XXXX both have removed the student loan from my credit report back in early XXXX because I presented them with proof that it was discharged and suspended, but Equifax credit reporting agency refuse to remove the student loan from theirs even after I have submitted the actual letter from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX proving that the loan is discharged and suspended. I have put in back to back disputes and re-investigations into this matter with Equifax and they keep coming back saying that the credit report is correct and the student loan is staying on my credit report. Equifax just will not remove this student loan from my credit report. This has lowered my credit score to the point where I can not obtain credit or purchase a home, potential creditors refuse me credit thinking that I am a high risk candidate and this is unfair to me.

Company response to consumer: Closed with explanation