BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached FTC report. 
Best Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ally Bank closed my account with no notice and has not sent me a refund for the money I had inside ( ~ {$3000.00} ). They claim to have sent a notice ahead of time, but I have a log of every mail delivered to my address and determined their claim to be untrue. I called them asking for my money back, and they said that they did not yet mail a check. I asked them if they could call me back and provide a tracking number, and they said yes. It's been several days, and they have still not sent my 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 2021-07-01
Company: DISCOVER BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I made a payment of {$500.00} to XXXX XXXX XXXX using my Discover Debit Card. The first transaction was rejected due to issues with the card, so another transaction was made using the banks routing and account numbers. It is XX/XX/2021 and those funds still have not bee deducted from my Discover Checking Account. The transaction doesn't even show up in my pending transactions. 

Additionally, Discover seems to be re-sequencing my transactions as they never occur in the order in which I make them. None of the transactions, I may clear immediately. They clear within 2-3 days after the transaction was made. An problem I never had with my previous bank before they closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX A Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that XXXX was not reporting my mortgage payments to the credit bureaus. In 2017 XXXX reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, XXXX removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to XXXX. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that XXXX XXXX XXXX WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that XXXX did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could XXXX not have knowledge that my mortgage was not a part of the Chapter 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 2018-10-03
Company: Deutsche Bank
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Electronic payment was made from XXXX XXXX to a company that uses XXXX XXXX. The payment was made on XX/XX/2018 in the amount of {$180.00}. The payment cleared the XXXX account ( transmitted by Deutsche Bank Trust of Delaware ). XXXX XXXX refused payment to the company and returned the check with the reason " refer to maker ''. Both banks claim the other bank is the problem. The money is gone from my account and the receiving company has not been paid. We have tried everything ( both the payee and the payer ) without success. We have complete documentation of our efforts ( email ). I'm concerned there is not better consumer protection for electronic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
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 with product or service terms changing

Complaint:
I obtained a retail credit card from Ashley furniture which is monitored through Synchrony Bank, and made a purchase for over {$600.00}. My available credit at the time of purchase was {$1000.00}. During, the time of having the card every few months of paying down my balance Synchrony Bank was reviewing my credit and lowering my available credit. Currently, the card balance has been paid off, and Synchrony Bank lowered my available balance from {$20.00}. During, the time I received my card until last week my available balance went from {$1000.00} to {$20.00}. 

I obtained a retail credit card from Sam 's Club with an available balance of {$600.00} for a purchase. The card is being handled through Synchrony Bank. After every few payments, Synchrony Bank was reviewing my credit and lowering my available balance. I paid off the card and my available balance went from {$600.00} to {$100.00}. 

Synchrony Bank is causing my credit score to decline with every inquiry they making on my credit and lowering of my available credit availability. As we all know, part of your credit score is determined by the percentage of credit you have available along with the amount of credit used. Every time Synchrony Bank lowers my available balance it makes my credit score decline because my available credit goes down. I think that Synchrony Bank is doing this to all individuals that have credit, which is causing several people harm with their credit and their credit scores.

Both Cards were paid in full, and I was late a few times, but the payments were still made. I am sure Synchrony Bank is doing this to other individuals which is causing them harm to credit scores and ability to get credit or loans. Creating economic hardships.

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 2023-12-04
Company: EQUIFAX, INC.
State: TX
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Stated forbearance on the loan during covid pandemic and applied for assistance with Ameris bank. I was approved for a partial claim and the security deed was filed with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The mortgage loan is now showing {$14000.00} past due. I have been current with payments and have not defaulted on the loan. I called on XX/XX/XXXX to determine why the loan is still showing past due and was told that the partial claim was not recorded on their side and that the documents were not returned to them. I have a copy of the security deed to show the process was recorded. They are now requesting that I complete a new loss mitigation packet because the home is active Foreclosure for XX/XX/XXXX. I am now being asked to e-mail a request for postponement of the foreclosure date. I have been working with a HUD certified housing counselor at XXXX of the XXXX XXXX XXXX HUD agency ID number XXXX. XXXX XXXX, HUD ID XXXX called Ameris on XX/XX/XXXX and was also told that the partial claim was not correctly recorded by the loss mitigation rep. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Loss mitigation is currently reviewing the issue, but I am currently still in active foreclosure. I need help resolving this issue with Ameris Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I attempted to payoff my account using the mobile app on XX/XX/XXXX for a total amount of {$9100.00}. The payment was returned. I contacted Capital One and they informed me that my financial institution, XXXX XXXX XXXX XXXX, did not recognized the payment since XXXX XXXX was under my husband 's name. On XX/XX/XXXX, my husband reached out to Capital One and XXXX XXXX and provided permission for the payment to be completed. Again the payment was returned stating that the incorrect account number was provided. I confirmed with XXXX XXXX that the account number was correct. I submitted another payment via the mobile app on XX/XX/XXXX for the amount of {$9900.00}, which is the total payoff amount. That payment was returned because Capital One processed the payment incorrectly. On XX/XX/XXXX, I spoke to a representative over the phone and they reached out XXXX XXXX, at which point the XXXX ( XXXX XXXX representative ) explained step by step how to process the payment. 
I was happy that the payment finally went through. I logged on to see how many reward points I received and that's when I realized that Capital One 's Fraud department closed my account. XXXX XXXX wrote a letter to Capital One explaining the error. Capital One promised to review the case and get back to me within 3 days. It has now been over two months with no follow up. I finally called them back and they stated that their decision to close the account stands. I paid my account in full and they closed my venture card, without allowing me to utilize my rewards. They received a letter from my other financial institution stating that this was an error on both bank 's behalf. I have never been late with a Capital One payment and have always been in good standing. XXXX XXXX has even wrote in the letter that the funds have always been in the account. I would appreciate any assistance in helping me have my Capital One Venture card reopened along with my rewards reinstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft. Someone has been using my personal information, to try to obtain auto loans and credit cards. My information has also been discovered on the dark web. The incidents started in XX/XX/2022. I have reported this crime to the XXXX Police Department and the Federal Trade Commission. There are numerous hard credit inquiries on all three of my consumer credit reports. I have filed disputes with the credit reporting agencies, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have made numerous attempts to resolve the issue of addresses that do not belong to me being reported on my report. I have been contacting Equifax since XX/XX/XXXX of this year for the same issue and every time I get another rep who claims they will make sure it is removed they submit a dispute give me a confirmation # I get the results that they claim they removed and when I request for an updated report it still shows the same information I was advised was removed. I have spoken with their fraud department I have spoken to many reps that last 2 I spoke to XXXX XXXX on XX/XX/XXXX who provided me confirmation # XXXX which results state " DELETED '' and XXXX today on XX/XX/XXXX who provided confirmation # XXXX I also have spoken to many supervisors as of today I spoke to XXXX who gave me confirmation # XXXX. I also have previous confirmations XXXX & XXXX which also state results " DELETED '' I keep advising them XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: LEXISNEXIS
State: CA
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:
On XX/XX/2023, I submitted a complaint to the CFPB detailing that Lexis Nexis is reporting a bankruptcy on my consumer report that is reporting incorrectly. They claim to have sent me a email asking to verify my identity even though I sent them the last 4 of my social and a copy of my drivers license to verify my identity. This stall tactic is willful noncompliance to remove information that is incorrect and incomplete from my consumer report. The information that is being reported on my consumer report from Lexis Nexis is incomplete and incorrect and needs to be removed immediately. 
In addition, they do not have permissible purpose to furnish this information on my consumer report without my consent or written permission. That is a violation 15 USC 1681 ( b ). The bankruptcy court is not furnishing this information to Lexis Nexis. They are harvesting this information and displaying it with my name, social, address and other identifiers that are prohibited by law. I demand that it be removed immediately pursuant to 15 USC 1681 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I took my son to Wells Fargo to open an account and I ask not to be put on any account with my son. I was told that the account would only have his name on it.

On XX/XX/XXXX I was received a call from a Wells Fargo representative telling me I was a co-owner on my sons account. I made it very clear upon creating the account that it was only suppose to have his name on his own account. 

This form of business is deceptive, misleading and violated my rights. I was not made aware of the terms and conditions of opening a teen account, so there was no meeting of the minds. I did not agree in any shape form or fashion to be added to any 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 non-monetary relief
Consumer complaint received 2018-11-20
Company: Automated Accounts Management Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A COLLECTION FOR XXXX FOR XXXX XXXX I DONT OWE THIS COMPANY ANY MONEY, I WANT THIS ACCOUNT DELETED FROM CREDIT REPORT, I ALREADY FILED A DISPUTE WITH 3 CREDIT REPORTING AGENCIES,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: ORG GC GP Buyer, LLC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked repeatedly for proof of payment history and GC Services Limited Partnership is refusing to provide documentation. Documentation is being required by another lender. Without proof, GC Services Limited Partnership is pushing my family into financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
chase has reported several inquires on my experian credit report that is not mine

Company response to consumer: Closed with non-monetary relief