BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in regards the dispute I have against both XXXX and ally bank. 
I do not own a XXXX account, and fraudulent ACH debits totally {$310000.00} were taken between XX/XX/XXXX to XX/XX/XXXX into a XXXX account with owner name XXXX XXXX, which I do not know nor associate with. 
I received my latest statement in early XX/XX/XXXX, and I contacted ally in regards the unauthorized debits. I was advised I need to contact XXXX in an attempt to resolve the dispute charges, since my routing numbers/account numbers were used. 
I contacted XXXX on XX/XX/XXXX and explained the situation. I was advised since I'm not the account holder, they could not provide further information, but they freeze the brokerage account with fraudulent deposits in question, and will attempt to reverse the transactions. I called back on XX/XX/XXXX and XX/XX/XXXX and I was eventually advised I need to dispute them directly with Ally Bank, since I'm not the account holder, and they will not reverse the fraudulent charges. I went back to Ally Bank and filed a dispute on XX/XX/XXXX, I was asked if I know or associate with someone name XXXX XXXX, I responded no, and I was advised I will be contacted if needed. I received a call from the fraud department on XX/XX/XXXX and and additional call on XX/XX/XXXX, during the phone call, I requested Ally Bank to contact XXXX directly to recover the stolen funds. I further attest I do not own nor benefit from a XXXX account.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 2019-12-31
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:
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

The following accounts were not removed after the time frame required by law. 
See below. 

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX   Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019

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 2023-04-16
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I was contacted by mail by Phoenix financial regarding a debt of {$1700.00} for medical transport by XXXX XXXX XXXX at which time I directly contacted Phoenix financial by phone and they told me that the service was rendered in XXXX in XXXX XXXX California and was I was supposedly transported to XXXX XXXX XXXX  XXXX XXXX also in XXXX XXXX California as a result of a car accident and upper quadrant pain however not only have I never been to XXXX XXXX California but I've also never been in a car accident in XXXX explaining this to Phoenix financial I stated it apparently my identity had been stolen as my purse was stolen in XXXX with all my ID and everything in it Phoenix financial disregarded this so I attempted a dispute through XXXX credit which was also disregarded I made contact with XXXX XXXX XXXX XXXXXXXX XXXX where I was told they have no record of me ever being at the hospital ( included in the attached documents ). I did file I identity theft with the FTC as well as placing fraud alerts on my credit profile however the dispute was again disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
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: Old information reappears or never goes away

Complaint:
I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX  along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with department store national bank and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check 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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The following accounts and inquiries have been opened fraudulently and without my knowledge or consent : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts and inquires are direct result of my info being compromised and used for fraud. My credit as a result is in ruins and I can not secure anything in my name with these items on my report. Could you please more in depth at these accounts and inquires and get them removed 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2018-07-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo, mortgage manipulation of my FHA loan. 

I have made as many as 15 estimated phone calls to Wells Fargo to have the Mortgage Insurance removed from my loan after I paid the amount down to achieve the required LTV ratio. They keep telling me on the phone that they will do this and it hasn't happened. 

The extra money that I have paid them is repeatedly put into an " Un-applied Funds Category ''. 

My payment should be for a lesser amount and no Mortgage Insurance included in it. They take my calls but keep misleading me as a customer. 

The event should be that I have a new mortgage payment that is at 78 % of the original loan for the 3.875 % interest rate. Further that there is no longer mortgage insurance in the payment. 

The bank won't do what is required by law, and manipulates the account to their advantage. All of my additional payments I have sent in the past years continues to go into the Un-Applied Funds category. With this type of process they do not let me pay down my principal and charge me the interest on the loan when they pay themselves. 

Additionally they are not reporting my payment history to the credit bureaus and it is showing no payments.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

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 2023-10-13
Company: Experian Information Solutions Inc.
State: VA
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:
It's another example of credit reporting agencies following the leader. XXXX lowered my credit score first, then XXXX, and today Experian followed suit. Nothing in my credit history has changed. I haven't missed any payments. I've had the same two credit cards for years. I've banked at XXXX XXXX XXXXXXXX for thirty-seven years. I'm not anymore of a credit risk today than I was a month ago, and yet all three reporting agencies have lowered my score. My credit score should not be based in any way on a reporting agency 's plausible deniability. I'm not being treated fairly.

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 2023-03-31
Company: CITIBANK, N.A.
State: GA
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 CITICARDS CBNA, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
This is XXXX XXXX submitting this CFPB Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXXXXXX XXXX  Date Assigned XX/XX/XXXXXXXX XXXX Original Balance {$61.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
Hi, XXXX XXXX XXXX XXXX XXXX XXXX ) mortgage company put my account on certified funds when it should not have been. When an account is on certified funds automatic billing is supposed to be removed and stopped. XXXX continued to automatically draft payment in XXXX off 2022, when their policy stated they would no longer automatically draft payments for accounts in certified funds. 
This led to me being put back on certified funds in which i made payments on time via USPS Priority Express Mail which is next day arrival. 
The late payment for XXXX proof was given that I mailed the check in on time and the post office did not deliver the mail that i paid to have delivered the next day causing this XXXX up. 
Experian XXXX and XXXX were notified of all of these errors out of my control but still have not adjusted my credit file. These late payments should be removed from that account.

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 2022-10-19
Company: EQUIFAX, 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:
This is XXXX XXXX submitting this CFPB Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXXXXXX XXXX Original Balance {$61.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Specialized Loan Servicing Holdings LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/21 SLS reported an increase of {$12000.00} on my mortgage balance to the credit bureaus. My billing statement states my mortgage balance is XXXX and they are reporting the balance as {$130000.00} to the credit bureaus. 

This is now the fifth time they have reported an increase in my mortgage balance while I have been on a forbearance plan with them. 

On XX/XX/21 I left a message on SLS ' website message board and called XXXX and left a message requesting they confirm the mortgage balance they report to the credit bureaus to avoid me having to file disputes with the credit bureaus and filing another complaint with CFPB. They apparently ignored this request. 

Everytime I file disputes and a complaint, SLS corrects the balance they are reporting to the credit bureaus back to the balance on my billing statement, then state they are providing accurate information. How is it legal for a mortgage servicer to report a different balance to the consumer than the balance they report to the credit bureaus? If the balance increase they report is legal, why do they correct the balance back to the balance reported to me on my billing statements every time I file disputes and a complaint?

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 2019-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today I called Equifax to cancel my myEquifax account. After keeping me on hold for a very long time, they said they would escalate my request, to complete it. After further questioning, they said it takes " awhile '' to cancel accounts -- so long that they could not complete it while I was on the phone ( despite the very long time on hold ). Moreover, they could not give me any idea how long it would take, and they could not provide any confirmation that my request was even being processed. 

I asked to speak to a supervisor and was put on another very long hold. While still on hold, Equifax disconnected me. 

I tried to get information via their Chat support but was told that that department can not provide any help with myEquifax accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with QUALITY ACCEPTANCE LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and QUALITY ACCEPTANCE LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with non-monetary relief