BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
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 have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( TransUnion ) XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). On XXXX the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. XXXX is also reporting a date of last payment of XX/XX/XXXX which is not reporting to XXXX or TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
There are a few items reporting on my credit report that does not belong to me. Please remove the following items from my credit file. I have since contacted an attorney because Equifax and XXXX has failed to respond to my dispute and it has been more that 90 days since I disputed the following items. 

XXXX Loan - Bal : {$0.00} ( Equifax Only ) XXXX XXXX - {$1100.00} ( XXXX & Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ally Bank allowed more than {$1000.00} in fraudulent transactions to occur on an old checking account debit card that should have been deactivated more than a year ago. This wiped out my balance in a few hours and will take weeks if not months to fix. All due to Ally 's careless 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 non-monetary relief
Consumer complaint received 2019-05-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I just recently checked my credit scores and noticed some hard inquiries I dont recognize all the companies are in the attachment

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 2019-05-04
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:
I am writing to dispute a fraudulent charge on my account of {$7500.00}, {$1500.00}, {$7900.00}, {$9000.00}, {$2200.00}, {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 





I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Police Report

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 2018-03-19
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
US Bank Debit Card funds ( {$23.00} and {$32.00} ) were withdrawn by US Bank on Monday, XX/XX/XXXX by immediate electronic transfer to XXXX. Saturday, XX/XX/XXXX XXXX refunded these withdraws {$23.00} transaction id XXXX and {$32.00} transaction id XXXX. Monday, XX/XX/XXXX, US Bank debit card account did not reflect refunded transactions on my debit card account. Monday, XX/XX/XXXX, I called US Bank to be it is their policy to hold refunds for 15 days. I asked to speak with a supervisor who was obstinate refusing to even confirm for me that the US Bank had indeed received transactions cited above from XXXX. Tuesday, XX/XX/XXXX, I called XXXX Customer Service requesting email confirmation of transactions. XXXX issued at XXXX XXXX email confirming refund transactions cited above. Wednesday, XX/XX/XXXX XXXX XXXX USBank did not reflect refunds on my USBank Debit card. At XXXXXXXX XXXX I returned call to US Bank to speak with their Customer Service Supervisor speaking for 1 hour, 3 min, 27 seconds regarding this situation. US Bank Customer Service AND that person 's Supervisor refused to even confirm, again that these refunds even were received. Both stood firm they hold refunds for 15 days. In my nearly 2 years with US Bank debit card, refunded monies from XXXX were ALWAYS refunded to my debit card. I pleaded with US bank that I am a senior on social security income, fixed income and need funds refunded me made available to buy medication, food. I asked " why '' XXXX transaction was IMMEDIATELY electronically withdrawn from my US Bank Debit Card but that refunded XXXX transactions are being HELD from my use. I was told by both US Bank Customer Service agent and supervisor no more than that is their right to do. This is, in my opinion, unconscionable for any bank 's debit card monies be withheld from the customer 's right to use when transactions of refunded monies to US Bank were issued by XXXX 4 days prior. As of this writing, Monday, XX/XX/XXXX XXXX XXXX, US Bank " continues '' to hold monies refunded to me. US Bank debit card Customers deserve honesty, a dedicated intent to resolve monetary matters as well as accountability with consistent banking actions. I file this complaint as holding anyone 's money for 1/2 month is damaging to me and all citizens relying on fixed ( social security ) income. US Bank is holding my direly needed refund from XXXX with no answer why other than it is their right to do. Respectfully Submitted, 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 explanation
Consumer complaint received 2019-05-04
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disagree with the dispute results. I made all my payments on time in XX/XX/2019. I requested a forbearance that was inaccurately inputted by a XXXX XXXX representative. I repeatedly tried to fix the problem, including making additional forbearance requests and calling. A delay in my IDR recertification application caused a large payment to be due and paid. This caused financial hardship for me and it was refunded. Forbearance should have been applied, however, a representative made a mistake and they became very confused about what was happening with my account. I never made a late payment. 
When I finally was able to talk to someone who thought to look at the problem differently, they were able to find the problem that was made by the employee when entering the request I made over the phone. They caught their error, approved the request for forbearance, and then marked my account as paid ahead due to my making my agreed upon IDR ACH direct deposit payments during the time the forbearance had been retroactively applied. 
I disputed with the company and all 3 bureaus. My payments were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft, there inquires on my credit report that I did not authorize.

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 2019-05-04
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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns home store calls my phone every days multiple times a day from different numbers. I've asked them to stop calling me, and they still continue to call me. They call me at least 2- 3 times per hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: MONEY SOURCE, INC., THE
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, the Money Source incorrectly reported a mortgage account to XXXX. This mortgage was discharged in my bankruptcy, which was filed XX/XX/XXXX. Because the Money Source incorrectly reported the status of the account as Pays as Agreed with a balance of {$240000.00}, my credit score dropped over 40 points overnight. Since I no longer have responsibility for this loan, it should have never reappeared on my credit report. The last time it was reported before XX/XX/XXXX was XX/XX/XXXX, prior to my bankruptcy filing. 

I contacted both XXXX ( filed a dispute online ) and the Money Source ( called them ). I was transferred several times during my call to The Money Source, and finally ended up speaking with a representative ( XXXX XXXX ) in the bankruptcy department. She asked me to email her a copy of the credit report showing the incorrect information. She was not able to tell me what happened, other than she would forward it to the " research department. '' I never got a follow-up confirmation email that the information had been corrected ; however, I got a notification from XXXX that the dispute was resolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Hi My name Is XXXX XXXX born XX/XX/XXXX, currently living in XXXX XXXX XXXX XXXX, ny XXXX. I have a checking and savings account in Bank of America. I deposited a check from XXXX ( XXXX XXXX ) to my checking accounts more thank a week ago and for some reason the funds are not available. I also have other issues such as the institution asking for Social security number and denying services if I deny to provide it. I tried to solve this issue with them but they deny so. Please help me I need this funds to fix my vehicle. 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 2021-06-07
Company: Experian Information Solutions 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted all three credit bureaus and informed each site that I do not own this debt. I completed three separate investigations. 

XXXX, XXXX and XXXX- XX/XX/2019, XX/XX/2019, and XX/XX/2019 I notified Capital One that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a collections account when checking my credit report. The company is Diversified Consultants, Inc ( DCI ), found here : https : //www.dcicollect.com, ( XXXX ) XXXX-XXXX I have contacted the DCI, provided my correct contact information and requested a bill. DCI had an address on file that I have not used in about 8years, and was not the one found on any credit report. The company reports negatively monthly to the credit bureaus. I have made multiple attempts to contact DCI via the telephone number associated listed. During one phone call during normal business hours there was no one able to provide any information regarding my account. DCI has failed to attempt any means of communication since I contacted them the beginning of XX/XX/2018. I personally believe that DCI 's practices are unethical. Attached is the closest thing to communication from DCI ... A screenshot from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
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: Account information incorrect

Complaint:
I submitted a letter to TransUnion and asked to verify information I believed to be inaccurate on my credit file because 609 of the Fair credit Reporting Act says that before a credit bureau can place something on your credit file, they are required to physically verify sign documents, so I ask them to verify with prof of my original docs. But they just sent letter saying they verified.

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 2019-05-04
Company: EQUIFAX, INC.
State: TN
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income. rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. I have reached out to the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX. 
XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2017 my XXXX XXXX XXXX had GM Financial as an autopay account in the amount of {$400.00}. XXXX XXXX issued the check and removed the funds out of my account. This had been established and working for months prior and after. Apparently GM financial claims to not have received the check. GM Financial did not inform me they didn't receive the check until 60 days later. I provided them with my bank statements and autopay history to show them the check was sent and the funds were removed from my account. When they could not find the check I stopped payment and reissued a check which was received. They are continuing to report that I was delinquent on my account for the months of XXXX and XXXX when I did issue the check and have it mailed to them at the correct address. I never missed a payment or was late on any payments before and I am upset they did not inform me before the account was 60 days delinquent. I believe they lost the check and I am being reported negatively on my credit score for it when I have always paid my lease on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
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: Account information incorrect

Complaint:
I wrote letter to Equifax asking them to remove accounts that I felt that they were reporting inaccurately. According to 609 of the Fair Credit Reporting Act in order for a credit bureau to place something on you credit file, by law they must have original documents to verify before placing them on your account. So they have not furnished any documentation they just sent a letter stating that the reporting was verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call on my cell phone. The person called me by name saying they were looking for someone who lives on my street. I am on the do not call list. No one should have access to my number.

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 2017-11-21
Company: MoneyLion Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied and was approved for a XXXX line of credit. This is my second time financing with company. Agreed to biweekly payment of XXXX?? Was taken out of my account fine. They then submitted a second payment for XXXX which they claim is part of their monthly service fee of XXXX. This was not properly explained to me I did not have this on my first loan with them. They have hidden in their fine print they charge a XXXXmonthly fee in addition to their biweekly payments. This is fraud and should have been out into loan docs properlybstating what payments will be

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/2019 at approximately XXXX XXXX, I went to the Well Fargo branch located at XXXX XXXX XXXX, XXXX, CA to deposit {$1400.00} in {$100.00} bills into my savings account. The teller was a fast talking and distracting con artist who only deposited {$600.00} into my savings account. I reached out to Wells Fargo with a claim. They have denied my claim. I would like to have an impartial agency review the case and to be provided with an audio transcript of the day in question.

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 2019-05-04
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.

Company response to consumer: Closed with explanation