BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: ALLY FINANCIAL INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
ALLY BANK stole XXXX and would not return the money to me. they are saying that the account had {$0.00}

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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXX XXXX XXXX XXXXXXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.

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 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My daughter purchased XXXX Phones for her and her boyfriend. She called me and said that XXXX was offering a great deal and ask if she could use my credit rating to open the account. They said that I would not be responsible for the bill that it would be in my daughters name. When she opened the account XXXX said that they would pay off the contract on her previous phone service to switch to XXXX. XXXX did not do this. She made XXXX payment but was not charged correctly and stopped making payments. My daughter was living in my rental home where the bills were being sent in my name. My daughter and I called XXXX on 3 way telling them that this bill was not suppose to be in my name and complained about the incorrect charges. I called XXXX two more times to get this bill in her name where it belonged. I have a XXXX phone ( for many years ) and would never agree to pay another company for phones.

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 2022-10-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 # XXXX ..., Account name : XXXX Funding XXXX  # 70618719XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A states I have the right to privacy.

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

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-11-14
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:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, 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 matter as soon as possible. Thanks so much!

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 2020-08-24
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax requires formal quality standards that include transfer counts and validity of transfers of consumers. 
Today I was carelessly transferred back into the queue by 2 agents. 
One of those transfers was at the request for a supervisor ( because of my 1st erroneous transfer ). 
Ist call @ XXXX XXXX - was provided the incorrect internal phone number to the XXXX department 2nd call @ XXXX XXXX - [ Channel ] I was transferred back to the queue 3rd call @ XXXX XXXX - [ Lord or Lawd ] - requested a supervisor and was transferred back to the queue 4th call @ XXXX XXXX - connected with a Supervisor and created an internal consumer complaint. 

Unacceptable that 2 agents transferred me without providing any support or assistance. 

CFPB please monitor reports and " trasfer '' metrics to ensure agency does not have a culture of transferring. 
Both agents who trasnferred me did it without telling me I was being transferred and one even asked me to hold a moment prior to transferring me. 

Equifax please conduct necessary training to ensure consumers are supported and establish a no tolerance for a transfer culture.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Account Number : XXXX. 

This is in reference to the original Complaint : XXXX filed by the Borrower with CFPB on XX/XX/XXXX and the second Complaint : XXXX filed with CFPB on XX/XX/XXXX. 

Borrower received a weird lengthy response [ in all means ] from the Lender and once again forced to put up this Complaint with CFPB demanding a one word answer. Also, I will be sending a hardcopy of the above Complaint to the Actor Director of CFPB Pursuant to the above Complaints, Company failed to answer to my one and only question : 1. Does the Wells Fargo Home Mortgage have the right to purchase a Lender Placed Insurance for a Past period? Company must provide an Answer, - Yes or NO Pursuant to the Mortgage Agreement signed between both parties, Wells Fargo Home Mortgage has the right to enforce Lender Placed Insurance. This doesn't give explicit authorization to enforce Lender Placed Insurance for the past period. Please refer to " Exhibit A '' which is self explanatory. 

If the Answer to the above question is " YES '' then it is totally discriminatory, due to the fact that the Borrower can't purchase an Insurance coverage for a lapsed period anywhere in US whereas the Lender can.

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 2022-03-19
Company: Experian Information Solutions 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:
PLEASE HELP! 

I send Experian a letter on XX/XX/2022 requesting that they provide me with the proof that the creditors in the attached letter provided to them to validate/verify the accounts that they are reporting on my consumer credit report. Experian has failed to do so. By law Credit reporting agencies are required to provide the information that the creditor provide them and Experian obviously feels like they are above the law. They have verified the account as accurate and updated. I send in the attachment that received my correspondence requesting that they provide me with proof yet they ignore it and just update the accounts. Experian is being a bully and because I feel like I am fighting for my rights because they are being violated. Dealing with Experian has cause me to start having anxiety attacks because they are not obeying the law. This accounts does not reflect my credit worthiness and should be removed due to the fact that Experian has yet to provide me with documentation/correspondence of what I have requested. A update credit report is not what I asked for. I have requested proof of verification/validation. I have also filed a complaint with the XXXX  because I feel I need additional help/ back up due to the fact that Experian continue to tried to bully and intimidate me.

15 U.S.C 1681c ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.

15 U.S.C 1681 ( a ) ( b ) ( 3 ) ( 4 ) ( d ) Information required to be disclosed 15 U.S.C 1681c ( e ) ( f ) ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
they keep putting the wrong address on my credit report and accounts that dont belongs to me on my report i send them the proof and these account still on 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 2017-05-30
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 is missing that should be on the report

Complaint:
I FAX DOCUMENTS AND I EMAIL DOCUMENTS AND NO ONE HELPING ME FIX THIS ISSUE. I APPLIED FOR CREDIT AND WAS DENIED BECAUSE MY REPORT SAID I HAD NO CREDIT HISTORY. I SHOULD N'T BE CHARGE THESE INQUIRIES IF THEY ARE NOT GOING TO PROPERLY GIVE OUT MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I received an auto loan with Nissan motor Acceptance in XXXX and the vehicle was repossessed in XXXX. I had submitted a payment for the full amount that was past due a few days before the incident using a payment service named XXXX. In the state of Texas you arent supposed to be charge a fee for making an auto payment however they charged me almost {$10.00} for each payment via phone payment with NMAC. The easiest and cheapest way was just to pay through XXXX, however there was a 2 day lag. Nissan received the payment and it was posted to the account. The following day they repossessed my vehicle. I had thought it was stolen since I had paid via XXXX XXXX. Getting someone at Nissan to investigate was like pulling teeth. Finally I had an manager literally tell me that it is " NOT THEIR JOB TO LOOK AT ACCOUNTS DAILY. '' I now work in the auto servicing arena and know that if I was current at the date the repossession was done they have to return the unit. I requested a copy of all the transactions via email and they stated that it would take at least 3wks to get and my car would have been sold at auction by then. This letter was called a 901 letter which would have probably been automatically generated. I then tried to get my stuff from the car and they stated I would have to pay a fee. I have pearl earrings, pearl necklace, my passport, ( which is federal property ) leather boots, and other valuables. XXXX XXXX XXXX XXXX was the place where I tried to schedule an appointment but I would have to pay storage fees and a pick up item fee in order to get my stuff. My dad finally decided to get my car. By this time it had been moved to the auction. I was unaware they had moved it there or taken my stuff. We finally redeemed the vehicle. As soon as I found out that my stuff was no longer in the car I called XXXX XXXX XXXX XXXX and they said my stuff had already been disposed of. We paid over XXXX to get the car and they never gave me my stuff back. On top off all this for years they carried a XXXX dollar balance reporting that I never paid them in full which damaged my credit. I knew what they did was wrong and illegal! I read the class action lawsuit that was made in XXXX! I could not believe it was verbatim what I went through with Nissan and at the same time. SHAME ON YOU NISSAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had id theft in XX/XX/XXXX and XX/XX/XXXX involving XXXX and XXXX. Once I received bills in XX/XX/XXXX or so, I called companies sent letters notified experian credit who are useless and less than useless. Toliet paper has more value. 

XXXX removed the item promptly. XXXX however did not. I sent police reports, letters etc. then XXXX sold the account to someone called XXXX XXXX XXXX, who sold it again to XXXX, XXXX, XXXX, XXXX and XXXX, lawyers. 

I filed a complaint with the XXXX of Minnesota. XXXX XXXX sent me a letter dated XXXX/XXXX/XXXX stating ceasing collections and will request removal this item from all credit bureaus. So I disputed items with experian and sent them copy letter. 

Today I was on phone with experian over an hour. I asked for a description of the investigative process used to determine if valid debt. I was told, by the fraud dept!!! That they contact the creditor who if states yes, is yours, it stays on your credit report!!!!! That is not what the Fair Credit Reporting Act says.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have struggled during this pandemic, however still made very attempt to make my monthly payments and even paid off my account on XX/XX/XXXX. As we are in a pandemic at this time, lowes has found a way to attempt to bring my credit score down by decreasing my credit from {$2000.00} to {$100.00} and even stated I owed money on my account when I actually paid the entire balance off to put me in a delinquent state. This creditor has no respect for a customer and I have not even received any information via mail, email or text for that matter regarding this situation. I called lowes on XX/XX/XXXX at XXXX ; XXXX because I received an email stating I had a payment due on XX/XX/XXXX and the is what prompted me to go online and see if there was a mistake regarding me owing a payment, but it wasn't and that is when I saw they had decreased my credit limit 90 %, which in my opinion I guess they should have just cancelled my account. I am currently unemployed but any money that I receive wether it is from the state or family and friends it pay toward my bills, and lowes has the nerve to be monitoring someones credit and decreasing my credit limit 90 %?? I think this company is not there to assist people but to put them in debt. I guess I should have just stayed in debt, because at least I would have on my credit report where the creditor drastically decreased my credit line, and during a pandemic at that? Who can help us and protect us from creditors who just want to penalize you for needing assistance?

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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing inquiry 's on my credit file with Transunion since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a transunion representative. The rep told me the only way they inquirys could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.

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