BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2021-05-20
Company: CCS Financial Services, 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:
Credit collection ( XXXX ) inaccurate reporting not listed under XXXX  and XXXX XXXX is not reporting anything on my credit report XXXX XXXX Vehicle Loan that was charged off it does not belong to me, it is a result of Identity Theft, there was a fraud alert placed on my account in reference to this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  and Transunion are reporting incorrectly a charge off for {$1000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in a car accident and deemed a total loss. I had GAP insurance which covered the full amount for the vehicle. Please see a copy attached from my insurance company. There is no outstanding balance due on this account. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-04-20
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Discover Credit Card was stolen and used at various retailers on XX/XX/2018 at the stores XXXX, XXXX XXXX, XXXX XXXX, and XXXX which totaled to the amount of {$4400.00}. I quickly reported the issue to Discover who then gave me a temporary credit while they investigated the case. Initially, they stated that I had provided all I needed to provide, but I was then contacted in XXXX by Discover with them requesting a police report. I filed a police report with the XXXX XXXX Georgia Police Department and forwarded the information to Discover who stated that they would contact the Police and get their investigation completed. I was contacted in XXXX by Discover stating that they were unable to verify the police report information when they contacted the Police Department and were requesting I help get that contact information relayed. I contacted the Police department and received a new police report number which I forwarded to Discover in XXXX along with an entire copy of the police report by fax. Discover again contacted me in XXXX and stated that they were unable to get in contact with the department, so I contacted the department again which gave me a new number to send to Discover. After sending the information to Discover in early XXXX, I contacted Discover for a followup on XX/XX/XXXX whom stated that they did not receive a callback from the police department after leaving a message, so they left liability of the fraudulent charges in my name. I requested they call the police department with me on the line so we could get this dispute resolved, but I was told that they would not do that as they felt they had performed due diligence already into the matter even though they have never actually been in contact with the Police Department of the 5 ongoing months of this dispute and Investigation. I have done my best to work with Discover and complete any actions they requested on my part while they are not doing theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was getting into my XXXX leased XXXX XXXX on XX/XX/XXXX shut the driver door and heard a loud noise exited my car and found the rear window completely shattered. I reported to my insurance company I have a {$500.00} deductible had an appointed on XX/XX/XXXX with XXXX  and appointment cancelled due to no back windows available back ordered? expecting snow and have trash bag on rear window. found this is a common problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Marlette Funding, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
received a missed call from XXXX returned call it was XXXX XXXX, i gave permission to the represenative to speak with my husband XXXX XXXX XXXX who i thought had written permission sent in to XXXX XXXX.i provided permission to speak with XXXX XXXX my spouse again. the name of the rep we spoke with was XXXX XXXX, he put me on extended hold and he stated a l. to tried to contact about overdue payment but he noticed a lkarge poayment was made and system hasnt updated, my husband tersely interjected and stated this cal is not warranted account is due thru XX/XX/XXXX, and do not call again and this matter was supposedly handled by XXXX XXXX # XXXX XXXX XXXX, he was advised to cease and desist orally from any further contact and that will be backed up in writing, account is not over due even there website is showing past due incorrect, this is wrong.proof attachment included

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: EQUIFAX, INC.
State: AZ
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 notified all 3 credit reporting agencies ( Equifax, XXXX and XXXX ) that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/23 XXXX and XXXX failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud

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 2023-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2018-09-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was 1 month behind on my mortgage due to death in family, Wells Fargo asked if we would be interested in a loan modification, this would lower our monthly payment. They made us pay XXXX for the modification. which has no fee. While in the modification they then came to our home with foreclosure papers, we spent over XXXX to keep our house. I had to drain my XXXX and was hit with major penalties. They refuse to help me put me on hold and never return, it is a nightmare. 


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 explanation
Consumer complaint received 2023-04-03
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:
I did not Authorize, consent or benefit from any of the following accounts and inquiries : Account Name : XXXX XXXX XXXX Account : XXXX Amount : {$3800.00} Inquiries : Name : XXXX XXXX XXXX - Date : XXXX Name : XXXX XXXX XXXX Date : XXXX Name : XXXX XXXX Date : XXXX Name : XXXX XXXX- Date : XXXX Name : XXXX XXXX XXXX- Date : XXXX Name : XXXX XXXX XXXX- Date : XXXX Name : XXXX XXXX XXXX- Date : XXXX Name : XXXX- Date : XXXX Name : XXXX XXXX- Date : XXXX Name : XXXX XXXX- XXXX XXXX XXXX Name : XXXX XXXX XXXX  XXXX XXXX : XXXX Name : XXXX XXXX- Date XXXX XXXX XXXX : XXXX- Date : XXXX Name : XXXX XXXX- Date : XXXX Name : XXXX  XXXX Date : XXXX Name : XXXX- Date : XXXX Name : XXXX- Date : XXXX The following accounts have Inaccurate reporting. 
Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX XXXX Account number : 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 2023-03-03
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been trying and have been unsuccessful to correct items on my capital one account ending in XXXX. They are stating I was late on this account on several occasions, which is not true. They show a late payment XX/XX/XXXX and for XXXX and XXXX of XXXX. This information is incorrect and has never been late, but yet they still show on my report as late. I was told by the Capital One customer representative at the time that there was an issue with the system and that may have caused these to show late during the XX/XX/XXXX year. I didn't think these items would show on my account. I don't believe I should be punished for the mistake of capital one. These mistakes have caused me issues when attempting to purchase a house and it's taking a financial toll on my life as well as my family 's life. Please correct these late payments to show in good standing and show I paid on time. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, 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 recently just have reviewed my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting information inaccurately on my credit report affecting my opportunities for work and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

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 2023-06-08
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I paid my bill early 3 times and they waited to long to get the money from my account and I discussed this with them every time and then all of a sudden they closed my account and reported me to the credit bureaus and I feel that was wrong because they didn't grab the money in time but I did pay the bills early, this happened in XXXX XXXX and XXXX of 2023

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
i havent given credit reporting agency permission to report anything on me. this account does not belong to me and it need to be removed now. i dont know why they are reporting without me having knowledge. i dont even know if these people are legal to carry this debt in texas XXXX who are these people.i demand that these people cease and desist reporting this and even communicating with me in any way. this is totally illegal.

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 2020-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 XXXX - {$490.00}. 
XXXX XXXX - {$2400.00} both unauthorized transactions taken from my checking acct. 

Contacted fraud division of Bank of America and filed a complaint. They researched said transactions were authorized closed investigation

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