BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the accuracy of XXXX XXXX XXXX XXXX XXXX,XXXX times ( investigation no's.XXXX,XXXX,XXXX ) .All XXXX times, equifax verified either knowingly or negligently, the incorrect information still reporting today.In the most recent investigation I was very specific about my dispute.I SAID '' THAT THE DOFD WAS INCORRECT, THAT THE DOFD COULD NOT BE THE SAME DATE THAT THE ACCOUNT WAS ASSIGNED TO THIS DEBT COLLECTOR '', IT MUST ACCORDING TO FCRA ANTEDATE THE DATE ASSIGNED IN ALL CASES. ( FCRA ATTACHED AND HIGHLIGHTED OR UNDERSCORED ) .IN MY CASE, THE REAL UNREPORTED DOFD ANTEDATES THE REPORTED DOFD BY APPROXIMATELY 1 YEAR.IN THE XXXX RESULTS OF INVESTIGATION THE DOFD AND DATE ASSIGNED ARE BOTH XX/XX/2012.I POSSESS OTHER EVIDENCE THAT THIS LENGTH OF TIME BEFORE ASSIGNATION IS THE PATTERN AND PRACTICE OF THE ORIGINAL CREDITOR XXXX.XXXX IS IN BUSINESS TODAY , IS REACHABLE FOR VERIFICATION AS I POSSESS A XXXX ACCT. TODAY.THIS act of EQUIFAX/XXXX XXXX XXXX is called re-ageing of the account, it is an illegal practice. 
THE FCRA PERTINENT TITLE IS ATTATCHED.BOTH THE CREDITOR AND EQUIFAX VIOLATE THE FCRA TODAY AND DAMAGE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: ALLY FINANCIAL INC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My title loan with Ally Financial was paid in full with XXXX on XX/XX/2022. I was told by Ally the lien release and payoff letter would be mailed within 5 business days. I have contacted the company several time and still have not received the documents. I have been told by them the documents have been or would be mailed. I received and email from them on XX/XX/2022 stating the documents were mailed. On XX/XX/2022 I was told the documents would be sent via XXXX. I still am not in possession of the lien release or payoff letter.

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 2020-06-18
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2016-05-10
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ive been divorced and separated from my ex wife XXXX, since 2007, we were not together and i did not sign or know anything about this debt, it 's been in my credit report for almost a year, ive filed a direct dispute and they did not and could not give me any information on this debt, since the persons name is XXXX, not my name XXXX, i gave them her current business address ( which she is owner of ) as well as her parents address, this is not my debt i 've asked for it to be removed, and it still has n't, i have not received anything in writing or anything stating any information on this, i contacted the hospital, they could n't give me any information because my name was not on this, i need this off my credit because its giving me a bad score and history, i have disputed it with the hospital, with the agency and with CFPB and have not heard anything on this matter, please delete from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Spoke to Discover fraud specialist regarding a recent denial letter of a personal loan that I have not applied for. Reference # XXXX XXXX XXXX. How can I prevent fraud from happening, or stop scammer from using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I told all XXXX agencies that the all credit inquiries were re-put on my accounts. They did not inform me within 5 days of reinsertion that they are adding anything to my report and since they all failed to notify me. They all violated my rights under the FCRA Section 611 laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I submitted a complaint to you around XXXX XXXX, but for whatever reason, I do n't think it made it to you as I have not yet received a confirmation email. This is what was submitted : There were XXXX unauthorized ACH withdrawals from my checking account this past XXXX XXXX and XXXX XXXX. I notified my bank after this first group of XXXX unauthorized withdrawals and told them to block any ACH withdrawals from this person. They assured me this was done and refunded my account the XXXX unauthorized ACH withdrawal amounts, without explaining how or why this happened. Thankfully, the amount of the first set of withdrawals was relatively small ( under {$300.00} ). This past month I noticed XXXX more unauthorized withdrawals ( totaling {$390.00} ) and after doing research, I found they were from the same individual as the XX/XX/XXXX/XX/XX/XXXX withdrawals. I again notified my bank on XXXX XXXX. On XXXX XXXX the last of the XXXX ACH withdrawals was refunded. I insisted on an explanation of how they allowed the same individual access to my checking account, after telling them never to allow this person access following the first occurrence in XX/XX/XXXX/XX/XX/XXXX. They said there was an " error '' made and that they assigned my checking account number as this individual 's MEMBER NUMBER and further explained to me, he used this MEMBER NUMBER to set up ACH withdrawals. They also explained their investigation concluded this individual was not committing fraud ( ref USAA response, XXXX XXXX, XXXX ) despite my complaint of fraud by this person. I wrote them back telling them they were totally at fault for assigning my account number as another individual 's " member number '' and this individual should be investigated further. I explained this individual was committing bank fraud because you can not set up ACH withdrawals with MEMBER NUMBERS, just routing and bank account numbers, and his NAME against my account number should have triggered a fault in the USAA bank security system, and should not have allowed processing of his ACH withdrawals against my account. I have asked many times for an explanation from USAA, only to get bits and pieces and excuses why this happened. Their bottom line solution was to advise me to open another account, which I did on my own anyway. I do not see how opening a new account assures bank account security within USAA, and want to know if USAA Federal Savings Bank can be held liable for damages and failure to provide security of bank funds. Additionally, I feel they are liable for these gross errors in assigning my bank account number ( and who knows how many others ) to another member and then processing ACH withdrawals under mismatched account numbers and account owner names. Attached is the history of my conversations with USAA bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016 I logged onto my XXXX account which stated on XX/XX/2016 my Equifax report had been updated and I had XXXX changes to my report everything had been removed from my file besides XXXX address and XXXX collections account. Thinking it was maybe just an error I call Equifax on XX/XX/2016 and spoke with a young lady whom was very sweet, I told her I was calling to check on my file due to receiving some info from XXXX she attempted to verify my account, but then stated I would need to send in my dl because I basically did not have a file, I asked her why and also stated to her that I even had an open dispute, she asked could she place me on hold so she could ask with he superior, I told her sure, I was on hold about 5 minutes then she told me she have my info now. She was as helpful as she could be. I received another notification basically stating all my info had been added back to my credit file, which I 'm OK with that, but however when everything was added back it made may credit score drop, which is n't that high to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
They charged off my account. I never missed a payment, so how can this be? They told me they charged off my account, because bank did a return check for speculation of fraud. These people who work at the bank, are liars! I needed this deleted off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Accounts opened in my name from the internet in XXXX and closed 2 months later in XXXX, never was notified. I believe that my entire account at Wells Fargo was subject to fraudulent activity. I was never notified. I had over 10 accounts opened in my name. I have never had access to a full set of statements. I became XXXX  in less than 2 years after depositing over XXXX in XXXX. 

I have many files but I don't want to open myself up to more possibilities of identity theft.

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 2016-05-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I dispute a item on my equifax credit report more than thirty days ago. When I called equifax and spoke with the representative I was told it was n't disputed. However, when I looked at my report online it was disputed XXXX XXXX, 2016. No results were returned from the dispute I ask that the item be deleted since its been more than 30 days. I was told no because it was n't dispute. The item I disputed was XXXX for {$120.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried multiple times, from multiple sources, to get my Credit score. Every time, it asks me to choose an item ( i.e Mortgage, credit card ) that I 've never signed up. Every time I select 'None of the above ', because the information it asks for does n't fit anything I 've signed up for. I do n't own a house, therefore have no mortgage and I do n't have a credit card opened in my name despite every company thinks I do. It fails to give me my Credit information. I looked up the reasons why my Credit is bad, it says I have medical bills not paid for in Arkansas from XXXX. I have lived in Georgia since XXXX and have not lived in Arkansas since XXXX. I believe I 'm a victim of Identity theft. 

I have attached XXXX. The first has question similar to what I get asked, the second is it failing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a mortgage with Seterus, Inc., they are charging me a property inspection fee of {$15.00} every month that I just recently found out about. I do not know if this is legal this was not a practice that my previous mortgage company did which was citimortgage who sold my mortgage to Seterus. On my payoff quote it states that I owe {$690.00} in previous property inspection charges. This concerns me because I am towards the end of my mortgage payments. I have also requested an escrow analysis XXXX over the phone with Seterus , Inc. over the past 6 months and I still have not received one. They have no email address so I ca n't email them requesting one and they do not answer letters sent to their PO Box . What are my options in handling this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX Bank. I did not authorize this or sign anything to have my credit pulled.

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 2017-03-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX reported that I was 60 days late in paying g on my account. They eventually corrected the report to the credit bureau and sent me a letter of correction. 
But my credit score has NOT been restored to what it was before. Which was XXXX XXXX and XXXX Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV 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 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have submitted similar disputes before. 
I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the banks to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my Chex systems report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, [ Your name ] Enclosures : Social, ID, Identity Theft 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 2022-07-25
Company: EQUIFAX, INC.
State: GA
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An online bank account was opened in my former name with a zero deposit, but with my proper social security number. I have successfully closed the bank account, but am trying to stop further events like this from happening.

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 2015-12-28
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Never received bills from this company was just placed on my credit report. tried to depute with credit reporting company online. still not removed. i do n't own them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have XXXX MasterCard gift cards bought in XXXX and XXXX, XXXX.Fortunately, I did n't give them away but used myself or I will be ashamed, three months later, I found out there are unauthorize charges on these cars totaled XXXX dollars.By XX/XX/XXXX I submit my request to U.S. Bank Dispute Dept XXXX and asked for a refund.On XX/XX/XXXX I 've received Cardholder Statement of Disputed Transaction, I faxed the documents back to them and waited for their response. In short, later on I only receive the refund of XXXX cards of XXXX cards being hacked. Because that Mastercard gift cards being hacked is a widespread problem, I searched the issue online, I see tens of thousands of people are being affected, I am one of them. It is said that it may take four to five months to get your money back. So I wait patiently until XX/XX/XXXX, I can not wait, and I send them another fax again, but this time they refused, saying, my issue is out of 120 days window that they can NOT help me.They lost my claim and my fax within the period of time I call them many times their phone system is not good enough. I have been held forever to wait for talking to a live person.I have XXXX dollar outstanding I need to be paid. 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 monetary relief
Consumer complaint received 2022-12-28
Company: BARCLAYS BANK DELAWARE
State: NY
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:
In mid XXXX, I got a letter in the mail that my card was shut with no explanation I tried calling but they wouldnt give me any answers. I have a great credit score and never missed any payments. Ive made this my go to card as I travel allot on XXXX XXXX and I dont think its fair they should just close 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 monetary relief
Consumer complaint received 2022-10-16
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Zelle fraud. Company said I shouldn't have approved transfer. Thought I was talking to XXXX fraud people. Even in bank an they talked to them. Said I shouldn't have have approved them. This is still going on an bank is an government is letting it continue and has been for yrs.

Company response to consumer: Closed with explanation