BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
CASE : # XXXX XX/XX/2023 after we had fraud in our bank acount for over {$1600.00} and 2 payments bounced back separately. The bank had not notified us until we called the police looking for our car and then called Ally. After confirming with the bank what happened to the 2 payments, we sent, via XXXX, immediately the 2 payments the very next day. Once the police confirmed a contracting tow company had the vehicle a representative of Ally denied having the car picked up when talking to XXXX XXXX ( not sure of his department ). Spoke to XXXX, another Rep, and gave him the XXXX payment information who said we satisfied the payments returned and then he tried to release the car but XXXX XXXX said the paperwork from the tow company had not been uploaded. 

We have been bounced around and helped to a degree but still are being asked by the redemption department to get customer service to send their department something saying we will deal the balance on the end of the loan. We have sent a message via the portal but no one is responding. 

We have paid off over {$32000.00} in car payments for our car? In addition we have spent well over {$7000.00} in repairs. We will have the car paid off before the holiday season but we need to get to work. I have not been able to get to work due to the distance to get to work and a vehicle is a must. 

The account is in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account # XXXX. We can be reached on XXXX. We thank you for your help, time, and attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried to fix this problem with XXXX XXXX XXXX TransUnion XXXX and XXXX I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I dont have a problem with rules and guidelines if theyre followed consistently. Cash app just kind of changes on a daily basis! One, its frustrating, two its not right. honestly Im tired of all these banks just doing whatever they want to take advantage of people.

Issue : Hotel charge, when I check out they immediately release the hold. Most banks, incidental charge goes back fairly quickly not with cash app they just let it sit there for a while so the last few times I have sent them the final receipt per their request showing that the balance was paid and to please release the other money back into my account And today I tried that and was told they are unable to do that although I followed the same procedure I did last time! Now granted I say the last few times they did it but a few times before that they gave me an issue so its sometimes they do sometimes they dont whats the procedure? well every dollar counts for me right now and I dont wan na go into all my personal stuff and what my issues are but finances are real tight right now. Im XXXX and I get XXXX once a month and times are a little frustrating and what adds to the frustration is their attitude just rude, fast and quick trying to get you off the line so they can move onto the next customer this particular time were talking about {$11.00} thats {$11.00} of gas money I can use its {$11.00} that I can use toward my granddaughter who I help raise its the principal of it! One day Its one way the next day its another Im sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: auto loan never late
XXXX XXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: student loan never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: collection not mine
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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:
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CitiBank informed me on XX/XX/2023 that they were closing my accounts ( one checking and two savings ). These accounts held roughly XXXX XXXX  I had no notice and no explanation was given. I called the provided customer service number, and the service provider refused to provide more information and ultimately hung up the call.

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 2023-02-11
Company: EQUIFAX, INC.
State: MS
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:
This is only the 4th time that I have sent this complaint ... With NO corrected response. Everyone is obviously not reading the complaint and absorbing the information in their brains for processing! AGAIN... why not pull the complaint out that I have sent certified and by email ... give it to someone in your LEGAL department that has some education and can read. I think what I really need to do, is just turn this case over to MY attorney and file suit against every XXXX that should be fired for their incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # ending 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: M&T BANK CORPORATION
State: PA
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:
To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from M & T bank has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX XXXX XXXX Not my account Victim of Fraud Identity theft Have contacted company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DATE : XX/XX/XXXX TO : XXXX XXXX XXXX, LLC FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX REFERENCE NUMBER : XXXX RE : NOTICE OF VIOLATION OF CEASE & DESIST DEFAMATION OF CHARACTER NOTICE ( ORIGINAL CREDITOR : CITIBANK N.A. ) You are in violation of my original cease & desist demand sent to your company on XX/XX/XXXX via the CFPB portal complaint id : XXXX and another sent on : XX/XX/XXXX via the CFPB portal complaint id : XXXX. I have since received yet another written communication from you dated : XX/XX/XXXX. I do not owe any alleged debts to XXXX XXXX XXXX XXXX  You did not/ can not provide a written contract or evidence of indebtedness with my signature. You did not/ can not provide a poof of authority to show you have any standing in law to attempt to collect anything from me. In your written communication, you list CITIBANK N.A. as the original creditor ; I do not have a contract with them and if I did, I never provided consent to CITIBANK N.A. to sell, exchange or provide any information to third parties, including XXXX XXXX XXXX, XXXX. How did you obtain any of my information? All consumer transactions are private. I demand you to provide the original contract between CITIBANK N.A., myself and XXXX XXXX XXXX, XXXX authorizing you to contact me in any capacity. Provide the accounting, ledgers, wet ink original signatures. Your threats to furnish any information to any of my consumer reports will result in a lawsuit. You are using Color of Law to attempt to collect, furnish, share, disclose and report inaccurate information about me as defined by federal law. Unless you can provide me with proof that the original creditor had lawful authority and or consent in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), to share my information with you, as well as authority to include it on my consumer report, I demand that your company cease & desist all collection attempts, furnishing of information to consumer reports and permanently delete any and all information related to me within 4 days pursuant to XXXX XXXX XXXX 
Failure to comply and or properly respond to this notice will serve as your reluctant agreement to the statements made herein, your agreement to full liability for any injuries caused, criminal prosecution and will absolutely result in legal action being taken against you. I declare under the laws of God that the aforementioned statement of facts is true and correct.

All rights reserved. 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 2023-03-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from XXXX XXXX, my information is sent to XXXX who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.

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 2023-08-04
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
XXXX XXXX XXXX HARD INQUIRIES MY CORRECT ADDRESS IS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ALL OTHER ADDRESSES SHOULD BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was billed {$12000.00} for a XXXX procedure. The procedure was not fully completed due to health concerns and medical issues. The credit card company is not issuing full credit on the amount disputed. I did not receive the treatment and payment has been made. There is partial credit but they did not rectify the other credit as treatment was not completed. The company mislead the process along with the credit card company.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}

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 non-monetary relief
Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/XXXX 0f 2022 someone transfer {$5.00} K to a unknown account 1 day later i called the to stop the transaction but they did not stop the transaction its been all most one year and i still waiting for the bank to give my money back im talking about BANK OF AMERICA

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 2023-02-02
Company: EQUIFAX, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc

Company response to consumer: Closed with explanation