BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX Give me a refund on the XX/XX/XXXX and Took it back on the same did after they give me a refund then on XX/XX/XXXX I filed a claim with they returned the money and then XX/XX/XXXX they took it back so I just lost my money for a washer that XXXX or dont let ship

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 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2019-08-02
Company: MoneyLion Inc.
State: TX
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:
MoneyLion and I made signed legal agreements that the account was to be paid off and ended over 90 days ago. Instead they lied to XXXX and reported that I was 90 days delinquent as of today. Credit dispute produced no results. I have signed legal agreements!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
On XX/XX/20, I received an email from XXXX that my credit scored with XXXX had been reduced by 30 points. When I accessed XXXX, my entire auto loan with Ally had been removed and identified as paid. I submitted 4 emails and proof of the reporting to Ally and asked them to fix this immediately because I am in the middle of a mortgage purchase. I received 4 automated responses to my emails. I finally called Ally and the representative stated that " the credit bureaus are not telling me the truth, that they have NO reason to report my account as closed ''. I asked to speak to a manager but none were available so they sent me to a " consumer help line '' who told me that " this is a KNOWN problem and that it will take 45 days to update the reporting ''. Why is it that they are allowed to negatively effect my credit, which will DEFINITELY stop me from purchasing a home because the drop in my score will effect my interest rate ; but I have to wait FORTY-FIVE DAYS for them to fix what they screwed up? Why do I have to suffer for their mistake?

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 2023-02-11
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On Saturday, XX/XX/2023 I transferred {$22000.00} from my savings account to my checking account. On the same day I made out a check for {$22000.00} to XXXX XXXX XXXX XXXX XXXX dealership. 

On Friday, XX/XX/XXXX the dealership called me and told me that the check had bounced. 

I immediately called Ally customer service and the representative could not figure out why the check had bounced. She placed me on hold several times and finally dropped off of the line. 

I called again and spoke to another agent who transferred me to " loss prevention '' who performed some research and could not figure out why the check had not been honored. She recommended sending a wire which I did. I'm waiting for the wire to clear. Fee for the wire is {$20.00}. 

I would like to request CFPB to demand that Ally inform me why they did not honor my check when the funds were in the account. This has been very embarrassing. Thanks for your assistance.

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 2023-04-12
Company: Experian Information Solutions 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:
There are last payments being reported on my Credit Report XXXX XXXX XXXX XXXX ( XXXX  ) Acct # XXXX Late Payment : XX/XX/2022 2022

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 2019-04-18
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:
I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

XXXX
- ONLINE INFORMATION S XXXX XXXX XXXX  

TRANSUNION
- 10 XXXX XXXX XXXX  Collection services XXXX XXXX XXXX   XXXX XXXX XXXX
Collection   services
XXXX


XXXX XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections non specific 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 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After many years of being a CapitalOne customer, they have " permanently restricted '' my 3 card accounts and they can't tell me why with any specificity. They asked me to provide ID and social security cards for authorized users ( even AUs who were removed over a year ago ). I provided what I have, but they say it is insufficient but refuse to say what is missing or why it is insufficient. They won't even say which AU they are concerned about. 

Card ending XXXX ( personal card, had XXXX  - never more than 2 at a time - Has accumulated rewards miles that they won't let me redeem ) Card ending XXXX ( business card, never had an XXXX  - Has accumulated rewards cash that they won't let me redeem ) Card ending XXXX  ( business card, never had an XXXX  - Has accumulated rewards cash that they won't let me redeem )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt from XXXX account No # XXXX for XXXX paid on XXXX 2021 refusing to update my credit report. I have proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have not applied for this card.

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 2023-01-20
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I currently have 2 loans that I have been overcharged for. I reached out to the company and I have been told that they are investigating it. The loans are ID:XXXX- Purchase amount XXXX w XXXX intrest & ID : XXXX-Purchase amount XXXX w XXXX intrest. My purchases don't add up to anywhere near the amount listed. I reached out to XXXX numerous times and was always directed back to Affirm. I have proof of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There have been multiple ocassions were I make sure to keep all my balance low or just pay them off. Whenever I pay a balance in full the credit bureau Trans Union takes my score down. whenever I put a small balance on my report less than 3 % then Trans Union takes my credit score down. Also there is an old outdated tradeline on my report that the bureau will not fix and i also had multiple angencies try to fix it and Transunion will not fix it. they will not age this credit out of my report from 5 years ago. XXXX Department Store. Please help me. XXXX tells me that Transunion has never contacted them in regards to this tradeline being on my report. I also requested the information from Transunion that this deparment store has sent to them to verify this account, and they won't provide it.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Consider this as a follow-up complaint to my previous attempt dated XX/XX/XXXX. I want these items to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive already included this in my previous Complaint & I am including it again.,

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2020-10-05
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: Their investigation did not fix an error on your report

Complaint:
IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
XXXX XXXX is currently furnished inaccurate payment history to the reporting agencies. I opened the account XX/XX/XXXX and was incarcerated XX/XX/XXXX and released XX/XX/XXXX I provided proof to XXXX XXXX and the reporting agencies. 

In accordance with the fair credit reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2016-01-14
Company: High Point Asset Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
keep getting automated message from company out of Massachusetts syaying that I need to contact on a time sensative matter or legal matters will be taken. I get about XXXX " companies '' calling me every month claiming this exact same threat.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-04
Company: WELLS FARGO & COMPANY
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:
On or around XX/XX/2019  and begin to notice unauthorized charges placed on my account and began to contact Wells Fargo regarding the matter. Wells Fargo card services made it very difficult for me to submit a complaint and shame to push me on weather they should close the card out or not for good from me making a complaint in the first place. Wells Fargo is currently being sued for predatory lending and not following fcra guidelines when it comes to identity theft victims. It is hard enough to support myself and my family without Wells Fargo breaking the law and ignoring the fact that once again these charges were unauthorized and needed to be investigated. FFRCRguidelines require that does negative information not be reported to credit bureaus until the matter is resolved. Not only have I submitted FTC reports but also complaints to the Card Services Department many times. Lastly, despite my many inquiries through the credit bureaus and disputes they have failed to realize and comply with the current laws regarding identity theft and unauthorized charges and the reporting of those negatively affected accounts to the credit bureaus.

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 2020-09-22
Company: Oklahoma Student Loan Authority
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019 my bill for {$64.00} did not go through when it was on auto-bill. I reached out to OSLA and they said they saw it try to come out of the bank but it was rejected. They never notified me of the rejections and gave me 2 late payments. Also again on XX/XX/2019 my bill for {$64.00} did not go through again when it was on auto-bill. This resulted in a total of 4 " Missed Payments. '' I now can not get a mortgage because of these marks on my credit and OSLA will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted on XX/XX/15 by a private investigator to call a number. They said they have been following me. They gave me an account number. I called the number, someone named XXXX answered. He said that Check-n-go was going to take me to court for check fraud. He said that I owed {$3200.00}. They gave me settlement amounts. I asked for company name, and credential info. They did not give me that information. I was pressured into giving them my debit card info. I set up a payment plan and gave it to them - they said they will start drawing it on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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: Account information incorrect

Complaint:
I recently opened a credit card account to increase my credit scores which significantly increase XXXX and XXXX. Transunion significantly lowered my credit score approximately 20 points. I want them to give me back my point they had took and add points that reflect my opened credit card account just like the other 2 credit companies.

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 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
You have reported my Walmart account closed in XXXX and again in XXXX. My account was paid in full. Please delete both accounts off my credit report. I havent had a Walmart credit card since XXXX. Please update this with the credit bureaus as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: NC
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I was in forbearance with FREEDOM MORTGAGE and in XXXX of XXXX I filled out, signed, and returned the loan modification documents. XXXX of XXXX I was informed they got the maturity date wrong and I needed new documents. XXXX of XXXX I received the partial VA claim to resign and they wrote my wife 's name incorrectly. I did not receive another remod documents until XXXX of XXXX and now the interest rate has doubled. Mind you I called EVERY SINCE MONTH PAYING AND ASKING FOR UDPATES AND NEW PAPERWORK.

Company response to consumer: In progress
Consumer complaint received 2017-04-04
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never gone for international service and I am charge for wrong charges which was clear and explained in XX/XX/2015. And I see its yet to get close. 

its harassment.

Company response to consumer: Closed with explanation