BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My husband selected the wrong amount to pay on the XXXX Card on the app. So he paid over {$11000.00} to XXXX Credit Card when only {$1100.00} was intended. Our checking account had {$5500.00} when the {$11000.00} payment went through. Instead of rejecting the ACH to XXXX, Ally Bank paid it. Now my bank account is -XXXX. We have a saving account with {$5300.00} at the same bank that is now on hold because of the negative balance in my checking account. And only will be released when the checking account is made whole. 
I know I can request XXXX to return the extra money, but that can take up to 9 days according to their customer service department. I called Ally on XX/XX/2019 at XXXX to find out why in the world they paid for that ACH. I spoke with XXXX first, then to a person who said she was XXXX 's supervisor. I tried to get her to spell her name but all I could hear was the first three letters XXXX. The supervisor refused to spell her name again. She is also supposed to send me the policy via email and US mail that covers why that happened. So far, no email from this supervisor. This supervisor could not quote the policy of her bank for my situation. She also disconnected our conversation before I could answer the phone survey Ally Bank offers after every phone call. 
I want to know why Ally put us in this situation. They have made it impossible for us to resolve this with our own money. Did they follow their policy? Or did they intend to loan us {$5700.00} with no payment schedule and no access to our money?

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XX/XX/XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XX/XX/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 2019-05-01
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen has referred me to a company for foreclosure. That company is XXXX XXXX , XXXX of Atlanta, Georgia. I use the auto pay system that my bank provides. I have been making my payments to Ocwen however they have been sending them back. In XXXX my checking account was hacked and the mortgage payment did not go out as scheduled. However, I sent it out immediately after the Credit union issued a new checking account. I keep sending in payments and Ocwen keep returning them. Now they said they are going to foreclose. 

Also they failed to maintain my escrow account properly and did not pay the Insurance company the correct insurance. I had a house fire and found out that Ocwen failed to pay coverage to rebuild the house. They lowered my policy over {$10000.00} and my mortgage was more than the coverage and I was left without enough coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I was a victim of identity theft, there were 3 auto-loans obtained in my name, two XXXX XXXX XXXX and one XXXX XXXX XXXX. First I received several letters from other banks who declined to approve auto loan due to lack of identity verification, including one from TRUIST bank, who latter approved a loan of {$71000.00} to nn person posing as me?! I am retired XXXX XXXX  since XXXX and have not apply for any loan since then. I suspected identity theft so I put fraud alert and security freeze around XX/XX/XXXX, with all three Credit Information Services both for myself and my wife XXXX XXXX. 
I contacted all three landing companies and and filed fraud claims with their Fraud Management Teams. I was able to get problem solved with XXXX XXXX and XXXX XXXX, they removed their accounts from my credit reports with all 4 credit reporting companies. 
I can not resolve problem with TRUIST, although I signed an affidavit and sent them all requested documents. I disputed this also on my credit reports and only XXXX removed it from my credit. The person in charge with TRUIST said it is under investigation but since than no progress. The person who stole my identity claimed to be ( in my name ) a member of US Military services, which I saw from one of documents sent to me by mail. Also there is a fake phone number and fake XXXX divers license written on some documentsI ( mine ID is from XXXX ), that I mentioned in my affidavit. Also I saw forged signature on these documents.I called sales manger from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX to report him this fraud too, no feedback.

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 2021-03-06
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see the attached letter I received in the mail Friday XX/XX/XXXX. This letter was sent by XXXX XXXX XXXX  on behalf of national credit adjusters. In the letter it says that I owe original creditor balance credit. But on a previous claim I filed with the cfpb national credit adjusters responded that I owe money allegedly to XXXX. National credit adjusters did not confirm that I owe the money to the original creditor allegedly called XXXX XXXX. Now I have this letter from XXXX XXXX XXXX telling me that I owe the money in the letter itself please see that it stated national credit adjusters will not report this to any credit reporting agency. But I checked my credit report in this debt alleged debt that I owe is on my credit report why am I being collected on a debt that I do not owe secondly I do not have any or have received any notice of proof that I owe this money to the original creditor called balance credit. More importantly this communication dated XX/XX/2021 from XXXX XXXX XXXX clearly states the because of the age of your debt national credit adjusters will not sue you for it and national credit adjusters will not report it to any credit reporting agency. Why is this debt this alleged debt on my credit report then? Please remove this debt from a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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:
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 explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-12-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAD A COMPLAINT XXXX AND THE ONLY TIME I GET ANYTHING ALMOST DONE IS WHEN I MAKE A COMPLAINT I HAVE HAD MANY SCHEDULED SHERIFFS SALE I HAVE ASKED THEM NOT TO DO THIS UNDER AGAIN UNDER 12 C.F.R. 1024.41 ( g ) of regulation X of Dodd Frank prohibition of foreclosure sale the BANK CAN NOT GO TO SHERIFFS SALE IF A COMPLETE APPLICATION FOR LOSS MITIGATION OPTION IS UNDER REVIEW AT LEAST 37 DAYS PRIOR TO THE SCHEDULED SALE DATE I GOT A LETTER LAST WEEK SAYING THEY HAVE EVERYTHING AND WAIT FOR THEM, I HAVE SENT THEM THE SAME THING AT LEAST 15 TIMES AND I AM NOT KIDDING THIS SHERIFFS SALE SHOULD NOT BE LISTED AND I ASKED NO MORE BE LISTED, I TOLD THEM I LOST XXXX XXXX XXXX XXXX  CANT SLEEP CAUSE PEOPLE ARE LOOKING IN MY WINDOW DRIVING BY SLOW AND EVEN KNOCKING ON MY DOOR THIS IS NOT RIGHT THEY SHOULD HAVE MODIFIED THIS A YEAR AGO THEY CAN SAY WHAT THEY WANT EVERYTIME THEY ASKED FOR SOMETHING I SENT IT RIGHT AWAY LAST ONE IS THAT MY HUSBAND DID NOT PUT HIS INITIAL BETWEEN HIS NAME HE PUT XXXX XXXX AND MORTGAGE SAYS XXXX XXXX XXXX NOW THIS TOOK THEM 2 YEARS TO NOTICE THAT I DONT WANT TO LOSE MY HOUSE I NEED HELP CAUSE THESE PEOPLE DONT CARE MY SUPPOSED GUY XXXX XXXX I HAVE YET TO HEAR FROM HIM AND EVERYTIME I CALL HE IS NOT THERE BUT WE CAN HELP YOU I HAVE PROOF OF EVERYTHING I SAID WHAT I SENT WHEN I SENT IT AND THE LAST LETTER STATING THEY HAVE EVERYTHING PLEASE STOP THIS STOP THEM FROM MAKING ME GO CRAZY LITTERALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-12-14
Company: DISCOVER BANK
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX charged my card for charges I did not approve of. I opened up a dispute with discover, and the XXXX XXXX XXXX had submitted documents in which none were billed to me or signed or approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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 recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXXy and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies XXXX XXXX, XXXX, Transunion ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. 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 non-monetary relief
Consumer complaint received 2022-05-04
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:
n accordance with the Fair Credit Reporting act XXXX  Account Name U.S DEPARTMENT OF EDUCATION 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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:
On XX/XX/XXXX I was made aware of a credit card account open in my name in XXXX which was later closed for account abuse and left unpaid. Since then my name has been reported to XXXXXXXX  contribution ref # XXXX with XXXX XXXX The account was opened fraudulently without my knowledge tied to a phone number XXXX which is not mine, and an address i do not and have not lived XXXX XXXX XXXX XXXX XXXX ca 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 2021-12-14
Company: EQUIFAX, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX Date XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Colony Brands, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-04-11
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, New York XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2018-01-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a promotion item, interest free for XXXX, with my Home Depot credit card. I paid off the promotion item in time but Home Depot applied my payments to other charges I made after the promotion purchase. In other words, they applied my payments to my most recent purchases, thus voiding the promotional offer and causing me to accrue {$100.00} interest on the promotional purchase.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 10th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-14
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a report from EarlyWarningServices stating I had an account with XXXX XXXX XXXX XXXX which states the account was closed for fund transfer fraud yet i never opened this account or authorized it to be opened. The account was opened in 2017 XX/XX/XXXX. The account is connected to an address and phone number that is not mine, phone number XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX.

Company response to consumer: Closed with explanation