BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: ALLY FINANCIAL INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am the POA for my XXXX father who suffers from XXXX. He sought out medical assistance for neuropathy with a company called XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. My father thought he was seeing a physician based on a TV commercial and didn't realize this was holistic treatment and not covered by his insurance. When I realized this from his showing me the intake paperwork, I informed him that the office was not part of his medical coverage. Unbeknownst to me, he continued to seek treatment from XXXXXXXX XXXX XXXXXXXX XXXX. After receiving a call from their office inquiring about an email address for my father, I was told he was being seen for treatment and the email address was needed for consideration for a loan for medical equipment and services for neuropathy. I informed the office staff of my father 's condition and stated I was his POA and that he was not capable of making medical/financial decisions on his own. The loan was processed and he didn't realize it until he received a statement from XXXX XXXX. When he became aware that it was a loan, he immediately paid the loan in full. However, he has paid for equipment that he doesn't know how to use and this loan paid for services that were never rendered by XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ). I filed a complaint with XXXX XXXX, Ally and our local XXXX on XX/XX/22 and as of date, no resolution has been made.

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 monetary relief
Consumer complaint received 2022-12-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo bank On XX/XX/2022, I received a letter from wells fargo, stated that i need to go to a branch to present my ID m, because there were a discrepancy on my identification. 
On XXXX XXXX i went to a Branch. ( XXXX XXXX branch ) with my Florida Drivers license, my debit card. The banker updated the information into my profile, changes were made that day ( letter attached ). 
I received a second letter with the same problem, I called the bank, explained that i went to the branch, and they say, you are right there is a note here that you went and you profile is updated, please disregard 2nd letter. 
On XX/XX/2022 my card was declined when trying to by lunch, then declined from XXXX, I called the bank and i was told that i need to go to a Branch. 
On XXXX XXXX went to a branch ( XXXX XXXX ) explained that my information was updated since XX/XX/XXXX. She was very nice we spend 2 hours talking by phone with many people, no one understand what was going on on my account, at they end they found out that the person that first updated my information on XX/XX/XXXX. Filled out the information on the incorrect fields ( no my problem, I went to the bank and i did what wells fago was asking ). But at this time on XX/XX/XXXX the issues was unable to solve. 
On XX/XX/2022 went to a branch ( XXXX XXXX  ), the banker was also very nice, he was frustrated and about to cry with me, because the same issue, he called maybe 5 different people, explained the same situation, with all my documents ok, and they are about to closed my account because my profile was never updated. 
We are on XXXX and Wells Fargo bank is holding my found because on of their employees made a mistake. 
I have payment going on, who will be responsable if the payment is made late??? 
Im frustrated, and really to take this into a legal action. 
I appreciate you help

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 2022-01-20
Company: ONLINE Information Services, Inc.
State: PA
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 have contacted the collection agency and they were unable to validate the debt, they have no written signature from me or any other agreement. I also contacted XXXX XXXX XXXX in XXXX and they did not remove the inaccurate information on my report. They were well past the validation date and they are not able to provide me with any validation via documentation. XXXX XXXX XXXX was supposed to removed the debt according to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Fair Credit Reporting Act states that written proof with signature must be required and I have not received anything as of this date from the creditor.

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 2019-12-24
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX XXXX XXXX TV services in XXXX of 2018. I was promised a promotional rate at that time for Premium Channels and had documentation to prove it. On the day of installation I noticed the channels were not active and called XXXX  customer service. After hours on the phone I was told they would not honor the rate promised and I cancelled the service that night. At the time I was promised I would owe {$0.00}. Over a year later now a Collections Account from Franklin Collections SV for this amount on XXXX XXXX behalf has showed up on my credit bureau report impacting me. I have proof that the service was never used and that the account was closed the same day it was installed. How do I get this rectified as it is impacting my credit at this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: General Motors Financial Company, Inc.
State: NJ
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 noticed an inquiry from XXXX-2021. I don't recognize this nor authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy right Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6l1. 
My contact information is as follows : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
It has been more than 40 days and i havnt receieved any respond from Equifax and XXXX. I dont think they did any kind of investigation to my complain

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: NC
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 reviewed a copy of my credit report and I show company XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2023-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was making an airline purchase for a one way ticket for my wife and 18 month old and placed the ticket on hold, but instead my account was charged the full amount the next day for XXXX and XXXX from XXXX XXXX. I did not realized this until later on when my wife placed an order through XXXX for same date and time that my account was charged twice for same flight, date and time. I have tried since XX/XX/XXXX  get in contact with the airline and nobody pick up the phone.I disputed these transactions with my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to XXXX XXXX XXXX, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, date last active, and date last reported. Remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with US Bank then discovered you have XXXX physical locations in XXXX XXXX, SC. I opened the account with {$250.00} in XXXX, on XX/XX/22 I closed the account and was told the only way to get my money back was via XXXX Mail XXXX XXXX Mail. Here we are XX/XX/22 and I still DO NOT have my money. I have made many calls and was finally told a replacement check would be sent out. Today, XXXX XXXX I was called by someone who told me they are sending XXXX XXXX MAIL XXXX MAIL a form that I need to sign and have notarized before my money will be returned. At this point " Check is in the mail '' is another code for stolen and fraud on behalf of US Bank. I am going to copy and paste this complaint and plaster it all over social media. I want my money back. You are a bank and should be able to do a refund to the card that I used. This is theft, clear and simple. Why is it that US Bank uses the MAIL service??????? Are you a bank from the XXXX 's. I am going to send this complaint to anyone and everyone and warn them NOT to bank with you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper use of my report Date of Incident : XX/XX/2019 Amount : {$79.00} U.S. Bank, N.A. 
At the following address : U.S. Bank, N.A. XXXX XXXX XXXX XXXX, MN XXXX Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I Call Transunion about 10 times a day to update my XXXX XXXX  to reflect on my accts XXXX XXXX and XXXX XXXXXXXX XXXX they refuse but they did add XXXX to a XXXX XXXX but im not in a XXXX XXXX i ask to speak to supervisor, Special handling no one will help

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 2019-05-01
Company: EQUIFAX, INC.
State: CO
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:
Equifax is reporting incorrectly that I am 90 days past due on XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Property Receivables, Corp
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i moved out of an apartments ' in XXXX in XXXX XXXX in XX/XX/XXXX to wrote me that am owing {$510.00} after several talk they throw it into my record. in XX/XX/XXXX i paid the money in full to avoid bad record. i got a receipt from XXXX XXXX XXXX that my debt is settled in full. in XX/XX/XXXX i received another alert that my account is flag for collection from collectech by the same appartment people. i moved out of XXXX in XX/XX/XXXX to XXXX i don't have any other deal with this people since then. 

please note that this apartments was named XXXX XXXX later it was change to XXXX XXXX later the management of XXXXXXXX XXXX XXXXs bought XXXXXXXX XXXX and it was changed to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened an account with XXXX for my daughter, was going to open one for me, but found out my phone was not compatible so cancelled the account. Began receiving email bills from XXXX for the account that was closed before ever using, continued receiving, called and contacted XXXX multiple times, they said the account didn't exist, continued receiving, went into a XXXX to confirm the account didn't exist, then received Collection Notice for the amount from I.C. System, reference no. XXXX. Contacted them, have received no response, so I am submitting a claim. I have very good credit and don't want this to adversely affect it. Thank you.

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 2022-01-20
Company: Santander Consumer USA Holdings Inc.
State: NJ
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 noticed few inquires I don't recognize or authorized my information to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is breach of contract I informed the CFO that I, XXXX XXXX, agent on behalf of XXXX XXXX, principal hereby accept all titles, rights, interest and equity owed to XXXX XXXX, principal. 
I advised the CFO of the company to apply the to apply the principals balance to the principals account for each and every billing cycle for set off. I also instructed the CFO, to communicate in writing once instructions are completed. This is instructed to happen within 5 business days. 
I sent my Claim of Credits letter on XX/XX/23 I sent my Opportunity to Cure letter on XX/XX/23 I sent my Default Notice letter on XX/XX/23 With these documents I provided a durable power of attorney as well as references to federal reserve act sections 16 and 29 in addition to copies of multiple endorsed bills relating to the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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 XXXX XXXX, XXXX XXXX XXXX, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an action without my written instructon.

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 2022-01-17
Company: Experian Information Solutions Inc.
State: NC
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:
Someone used my identity to create a XXXX XXXX credit card account on XX/XX/XXXX. This account was used to purchase 2 XXXX game consoles from XXXX and 2 XXXX  game consoles from XXXX. 

I called XXXX XXXX on XX/XX/XXXX, explained the situation to them, and asked them to close the fraudulent account and remove the item from my credit report. I was assigned case # XXXX. 

On XX/XX/XXXX I mailed a completed " fraud packet '' to XXXX XXXX. 

On XX/XX/XXXX I left a message for XXXX XXXX 's ID theft department ( XXXX ), asking them to close the fraudulent account and remove the item from my credit report. 

On XX/XX/XXXX XXXX XXXX ( Experian XXXX representative ) and I got XXXX XXXXXXXX on the phone, and we were told to send an email to XXXX, which I did the same day. 

On XX/XX/XXXX I received XXXX XXXX letter, dated XX/XX/XXXX, indicating Our investigation confirmed someone using your personal information fraudulently opened the account ending in XXXX. 

XXXX and I tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to talk to XXXX XXXX to get them to remove my account information from my credit reports, but we were unsuccessful.

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