BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: OH
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 incorrect information on all the credit reporting agency, XXXX, Equifax, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX Equifax Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XXXX and Transunion refuse to remove this account. I explained long ago this was the result of my identity being stolen. The lawlessness of these fools is unacceptable. 




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 2020-05-26
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my 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 2020-11-18
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with XXXX  and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with TransUnion and XXXX, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-18
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:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter

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 2019-06-07
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santanders USA I was in a total lost. I have only had the loan since XX/XX/XXXX. My car got totaled out on XX/XX/XXXX. Third Party at fault. Santander held my insurance check for about 10 days. Then  turned around and applied it to my account, and charged me two late fees XX/XX/XXXX {$38.00} and then XX/XX/XXXX XXXX. I called Executive Office spoke with a very, very rude sarcastic person by the name of XXXX, who told me well You should kept paying your car payment per your contract rather we held the check or not. I tried to ask speak to his manager 10 times. He refused to let me speak with him. Then put me on hold and came back to the phone and said XXXX the Manager in charge of the department refused to speak with me as well and said the charges are valid. Then he sarcastically said would you like to talk about something else. I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I purchased a cell phone from one of XXXX XXXX XXXX 's retailers for {$570.00} and had buyers remorse less than 7 days after purchase of the phone plan. I returned the device back to the retailer and was handed a detailed receipt/confirmation of device returned. This account was sent to collection in the amount of {$580.00} in XX/XX/XXXX. I'm am being charged for a device that they have receipt of receiving. I have contacted XXXX XXXX XXXX as well as the Collections agency ( Sequium Asset Solutions , LLC ) several times over the past several months to attempt to resolve this issue with no luck. Ultimately, I spoke to XXXX XXXX in customer care on XX/XX/XXXX regarding my complaint and was informed that this would be resolved within 30 days with XXXX XXXX XXXX, the credit bureaus, and the collection agency. A confirmation email was sent to me ( I will attach ) with the summary of our conversation with no resolution to date as I keep getting tossed around to different departments with no one taking initiative to help resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: ALLY FINANCIAL INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is the second complaint about Ally Bank making unauthorized withdrawals on my account. They answered the 1st complaint a week ago and stated they had stopped the unauthorized withdrawals. But, Ally has now made another unauthorized withdrawal. See prior complaint # XXXX, SUBMITTED ON XX/XX/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 2021-01-25
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:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX is reporting incorrectly a collection to XXXX  ; XXXX and Transunion for an account with a balance of {$560.00} on the XXXX partial account number XXXXXXXXXXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from 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 2018-01-23
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 is missing that should be on the report

Complaint:
I applied for an apartment yesterday and was declined, because XXXX XXXX had incorrect information about my rental history. ( They received this inaccurate information from XXXX. ) The information stated that I had an outstanding balance with XXXX with whom I had a lease in XXXX. I called XXXX today ( XX/XX/XXXX ) and confirmed that there was no outstanding balance.

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 2021-08-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase abruptly close our joint checking account without notice, and put almost $ XXXX dollars on freeze. We have no garnishments, IRS locks, or otherwise owed debt to anyone, and have other bank accounts working correctly without locks.

Chase has refused to transfer the money or release it. We have called their fraud department several times and nothing has been resolved. Their refusal to explain why the accounts were closed is beyond reprehensible. Especially with $ XXXX being held. 

Their only offer was to mail us a check for the $ XXXX, but we can not accept mail at our new residence yet, as the USPS hasn't assigned a route yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Santander Consumer USA Holdings 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 information incorrect

Complaint:
My vehicle was totally out and I had Gap insurance. My Gap Insurance paid the balance which was XXXX on XX/XX/2019. On XX/XX/2019 it left me a balance of {$240.00}. I reviewed my account and called Santander and the representative stated I have a balance for {$510.00}. I asked the representative to explain to me why my balance increased. The representative couldn't tell me the reason why because he didn't understand why. I ask to speak to supervisor he stated no one was available to speak to me at this time. I review my credit report and Santander report late payment for XXXX for {$62.00}. I never receive any statement from Santanter stated I owe {$62.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: HYUNDAI CAPITAL AMERICA
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payments on XX/XX/XXXX and XX/XX/XXXX and received email confirmation that my payments would be post-effective as of these days. However, the company Kia finance posted my payments that effective as of XX/XX/XXXX and XX/XX/XXXX. When I reached out and spoke with someone in the escalations team by the name of XXXX as well as I spoke with a supervisor by the name of Ever. They refused to escalate my issue to the ombudsman or to do anything to correct the issue of my payments being posted effective as of the date that they are legally required to be posted based on my contract. The supervisor by the name of Ever told me that they would open up a internal ticket but they would not contact me to advise me of what was being done with the internal ticket.

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 2020-11-18
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX at XXXX we got a call from XXXX XXXX XXXX claiming that a fraudulent charge had been made on our Amazon Store Card. We were instructed to go to XXXX XXXX to reverse the fraudulent claim. We were to type in the address bar trackmyorder.us. I said no, I'd just call the number on the back of my card. They said no this was the only way to stop the fraudulent charge because it was now pending. When we did what he said our virus product marked it as a dangerous page. I hung up and called Amazon card services and I had no such charge on my card. It was a scam. I think they wanted my card number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency IC Systems is showing on my credit report with the original creditor XXXX XXXX XXXX. I have not had any service with XXXX XXXX XXXX for over 8 years, and at that time I paid the final bill in full, and there was no money owed. I sent a letter to the company requesting validation of the debt, and have not received any response from them, and it has been over 30 days.

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 2020-11-18
Company: Credit Plus Inc
State: CA
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:
Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Miscellaneous XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment Travel/Entertainment XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSWORLD SYSTEMS INC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was paid for on XXXX XXXX, XXXX for the amount of {$170.00}. I was informed that my balance is in XXXX. 

Recently I have been receiving letters from Transworld Systems Inc. indicating that I owe {$190.00}. I contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX financial department to inform them, and they assured me that they had contacted the company XXXX times to inform them that my balance is XXXX and that I should n't worry. 

I have received a total of three letters so far still trying to collect the amount mentioned above. I would really like them to stop. 

Since it 's the weekend, I ca n't contact them by phone. 

pd. Money Order # : XXXX XXXX {$170.00} / Provide me an email where I could send a fax or email to be able to send proof of all receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
SunTrust Bank put a hold on XXXX from my checking account to pay back a debt I wasn't aware of. This occured of XX/XX/16. My account went negative. In addition to the hold, they've also debited the same amount, essentially leaving me XXXX in the hole. I have returned item fees adding up because of this. The hold isn't set to expire till tomorrow, I can't get any information out of these people. It's almost unsurvivable.

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 2020-11-18
Company: SYNCHRONY FINANCIAL
State: CA
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:
Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Miscellaneous SYNCB/SAM 'S PLCC Inquiry : XXXX. XXXX, XXXX Travel/Entertainment Travel/Entertainment SYNCB/SAM 'S PLCC Inquiry : 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 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America closed my account for no reason. My account wasn't overdrawn. I had called BofA because I had mistakenly paid the wrong account for XXXX XXXX XXXX. When prompting in a text I thought I was paying my wireless bill. I called BofA because I was confused as to which bill I had paid. I was considering reversing that payment so I could pay the wireless bill. I have no idea where they got the idea that was fraud unless they misunderstood me. Then I waited a hour just to be seen. The officer is telling me that if they make this determination I can't have an open bank account. Bank of America is not responsive at all.

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: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bank. XXXX  XXXX XXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open 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