BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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 accounts -XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX, I am enclosing a response from ABR Recovery Services LLC stating an Account # XXXX from XXXX that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an XXXX card since XXXX and this account does not belong to me. Please read the response below from ABR Recovery Services LLC and verify the accuracy. Thank you : To Whom It May Concern : Mr. XXXX is referring to a different account number. ABR Recovery Services, LLC account number for XXXX is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. Mr. XXXX tried to remove himself from XXXX two times. Thank you In response to ABR Recovery Services, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. XXXX is the original creditor and I will await their response to this matter. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian have not and will not add my proper address after I've sent the required information via mail ; therefore, causing my credit score to not be available for the past year. This error has prevented me from optioning credit to get through the global pandemic.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: VA
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 accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-07-03
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2019-08-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$130.00} XX/XX/XXXX 5 )  XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX XXXX {$1100.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, I sold the business and real estate. The title company paid off the mortgage and loan, not sure of the date. On XXXX XXXX. Wells Fargo drafted a payment. They required the payment to be auto-draft, I had no choice. Since I didn't believe any more payments would be drafted I wrote checks on that account, they bounced and I incurred overdraft and bounced check fees. I called and emailed them to refund my money and they told me it could take up to 10 days. It has been 14 days and they still haven't refunded my money. I consider this theft. They should be required to refund all the fees I had to pay for bounced check fees as well as immediate refund of the money stolen. It should not be my responsibility to request them not draft as it was a requirement for the loan, it should be their responsibility. 

In addition they put forced placed insurance on my property without providing me a cost or any information about the insurance. When I paid off the mortgage almost two years later they charged me for the insurance, which they never got as far as I know. They never provided evidence or the costs until I paid off the loan. I agree they had a right to do it, but they should have given me the option to pay for it at the time and not change me without my knowledge almost two years later. I requested them give me a breakdown of the charges, but they still haven't done so. They sent me a list of supposed contacts about them requesting proof of insurance.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit 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 2020-10-19
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX To : Ameris Bank Attention : Mr. XXXX XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX United States Subject : XXXX XXXX  XXXX XXXX Malfeasance in ref. Loan Number XXXX Dear XXXX XXXX : I am writing to you today to express my grave concerns regarding the professional competence and clear malfeasance of XXXX XXXX  XXXX XXXX in regards to the handling and processing of my personal mortgage payment made on XXXX the XXXX of XXXX. 

On XX/XX/XXXX of this year my wife and I made our monthly mortgage payment via XXXX  XXXX XXXX on-line bill payment system in the same fashion we have done, with no problems, every month for roughly the last 10 years. We were disturbed to receive a late notice from XXXX mortgage on behalf of Ameris Bank later that month. Upon follow up, they advised that they had no record of our payment. 

Investigation with XXXX  XXXX XXXX revealed that there were no issues with our payment. They verified that XXXX had cashed the check and was in possession of the funds. To assist us, they forwarded proof of payment to XXXX multiple times in various forms starting in XXXX. We are now in our third month of attempting to rectify this matter with XXXX. They still have not accounted for our payment and we have no evidence of any good faith effort on their part to assist us in doing so. 

I have personally spent 9-10 hours on the phone attempting to speak with a representative, navigating a challenging voice mail system with average hold times of 35-55+ minutes. A system clearly designed to frustrate callers into hanging up so that  XXXX can minimize their staffing and maximize their profits. When we have been successful in connecting with a person, we have encountered indifference, apathy and bureaucratic laziness. 

While my {$2300.00} mortgage payment is a negligible sum in comparison to the roughly {$160.00} XXXX USD in net income Ameris Bancorp earned in XXXX or the {$100.00} XXXX USD in gross revenue earned by XXXX, it is a significant sum to my family and we would greatly appreciate any assistance you can offer in reconciling this matter. 

Respectfully, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and CEO XXXX XXXX XXXX XXXX XXXX 
Honorable XXXX XXXX, Attorney General of the State of Illinois Honorable Senator XXXX XXXX, Constituent Affairs Honorable XXXX XXXX XXXX, Director Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MI
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 request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is posting duplicate on my report it should be only be listed once.

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 2021-06-24
Company: EQUIFAX, INC.
State: PA
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 previously submitted valid Identity Theft reports to XXXX, Equifax, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: SYNCHRONY FINANCIAL
State: GA
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:
As a man of God, I must be careful with my words. I have to be cautious since Synchrony Financial is treating me like a common criminal. Instead, I am not getting treated as a lawful consumer. Synchrony Financial keeps finding reasons to file ligations against me for fraudulent charges. I dont deal with these folks. They keep confusing me with other residents and continuously make me prove who I am. I know who I am. They do not know who they are. My credit file got breached years ago through XXXX. After many attempts, they surmised that I am a thief. Get this. Heck, this learning curve should not be this difficult. 1-Someone breach my credit file. 
Please be prepared to receive unethical excuses from them to justify their actions. 2-Synchrony Financial made the errors after that. It can not be justified when they are the problems, and they are making consumers suffer. 3-They are persecuting me as an innocent consumer. 4-It has been going on far too long! Please do not give them a break when the bank is punishing consumers unnecessarily. Making apologies to me will not be accepted. They have worried me, and this is an unforced error. The stress has done far too much. This frustration is beyond the pale. Disgraced has set in, and I have lost many nights of sleep. I had XXXX XXXX XXXX  since XX/XX/2020. They are suing me in XXXX, Georgia. It is the third or fourth time. Even if I were the right person, they would have to talk to my brother. I only receive {$720.00} per month through social security from a XXXX XXXX. I am not XXXX XXXX  to handle my financial affairs. I have reached out to the XXXX and XXXX. XXXX  XXXX to assist with these XXXX attacks and strong-arm robbery. Everyone at Synchrony Financial should be in jail, serving an elongated prison sentence. Please shut them down

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 2022-12-14
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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

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 2022-11-18
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ally 's so-called " fraud protections '' frequently prevent customers from using their ATM/Debit cards as intended, and they refuse to fix the issue even after multiple attempts and notifications. 

1. Our dry cleaner, a large company in the XXXX XXXX XXXX XXXX, is not fraud. Ally has allowed us to use our debit card to pay them in the past, but for some reason has decided they are fraud and now declines all charges. This caused an issue in that we can't get our clothes back because we can't pay for them. We notified Ally of the problem multiple times beginning XX/XX/01 and they continue to say it's being " investigated '' and that their " fraud filters '' will not allow us to use this service. Again, this is an established, well-known company. It is not fraud. Ally refuses to fix the issue. I have never disputed a dry cleaning charge with Ally. 

2. Ally also refuses to let us use XXXX services with our Ally debit cards. I probably don't need to tell you that XXXX is also not fraud. Ordering XXXX XXXX or getting a ride with XXXX should be an easy process, but Ally declines ALL of their attempted transactions. Ally continues to " investigate '' this issue and recently called to tell me they are attempting to update their " fraud filters, '' but there is no solution as of yet. Again, THIS IS XXXX. This has been an issue since XXXX, when I became stranded at the airport in XXXX. I couldn't get an XXXX because ALLY REFUSED TO LET ME ORDER ONE WITH MY DEBIT CARD. I have never disputed an XXXX charge with Ally, yet they continue to insist they can't let me use my debit card for XXXX and refuse to solve the problem. FOR MONTHS. The only solution they have given is, " please continue to attempt the transactions over and over. '' This is not a solution. 

If I give a bank my money and I adhere to the rules of deposits, balances, and debit card use, I should not be told by the bank where I may and may not spend my money. Neither of these merchants are shady, unknown, or even brand new. Yet Ally acts like I'm being unreasonable by insisting that I should be able to use my debit card as I see fit.

They are denying me access to the money I have deposited in good faith.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up on any response from you after 30 days of investigation. As I reviewed my Credit Report I noticed that there is still an item that is reported as erroneous and incorrect information. Despite the previous written request sent to XXXX, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. 

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 2017-06-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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