BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report as of XX/XX/2023. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request. I have attached a copy of my ID, my social security card, and a FTC 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Trying to make my mortgage payment on loancare.com unable to do so and customer service is no help. Won't tell me any information just that systems aren't working

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 2023-11-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
These inquiries being reported on my credit report are not authorized by me!

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 2023-11-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
XXXX was breach and admitted to my information being stolen back in XXXX. Due to that I had to file bankruptcy and been in hardship. Please remove negative inquiries off my credit

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 2023-11-23
Company: Experian Information Solutions Inc.
State: TN
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-11-30
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Payment demanded by TrueAccord for a debt with XXXX on behalf of XXXX XXXX XXXX. 

I've never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX  is on my Trans union credit report. It is not mine debt and should be removed. I provided Trans union with the valid paperwork for this debt to be remove and they have failed to compile with the The Fair Credit Reporting Act ( FCRA ) is the federal law that, among other rights, gives me the right to dispute incomplete or inaccurate information. Due to there lack of responds I file a complaint with the Consumer Financial Bureau until this debt is removed. Please note : XXXX & XXXX has already removed this fraudulent debt from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX does not allow you to remove automatic payments but forces you to use autopay when you start a policy. 
I deliberate left low funds in account on scheduled date as I did not intend to continue policy and preferred to pay an NSF fee than let another premium clear the account as I had already held for their customer service on the phone over an hour and still had not reached an agent. I have always rejected overdraft protection. I instead opened a LOC account to to transfer funds from if needed.Regions in spite of my opting out of overdraft protection paid the charge sending my account in the negative. I had to move my direct deposits to other accounts costing me extra money buy money orders instead of being able to use my checking account, and now that account is not even accessible to me online to find out what other fees they have charged or see the account history. Im unable to deposit money in the account in order to transfer to the LOC to pay it off as any funds would be allocated to the insufficient balance first. THIS is causing negative marks on my credit report. 
I never gave permission for that charge to be paid. I live paycheck to pay and can not afford to lose {$180.00} to pay for something I didnt authorize them to do. 
I can not even provide you a statement showing the charges as everything for the account was digital, save my checkbook.

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 2022-09-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
That, i am a natural person. i am a living human being, spirit. i have rights under USC 1681 ; That, XXXX is governed by 15 USC Section 1681 and they violated my rights numerous of times ; That, I demand the accounts listed below be remove because according to 15 USC Section 1681, I have the right to privacy and I did not give XXXX written permission to furnish these accounts ; That, In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 ; 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 Texas Office of Atty General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Equifax Only ) That XXXX 15 USC Section 1681 Section 602A states that I have the right to privacy ; That, 15 USC Section 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written [ expressed consent ] instructions ; That, 15 USC Section 1681c ( a ) ( 5 ) states that 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 antedates the report by more than seven years ; That, 15 USC Section 1681s-2 ( A ) ( 1 ) states that 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 ; Affiant further sayeth not. 

XXXX XXXX XXXX Authorized Representative for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Didn't receive services that were advertised

Complaint:
I received the attached documents in the mail today. This is the 2nd time that I have received documents claiming a security breach. The 1st was from some XXXX XXXX XXXX, which I never heard of before & this one is from XXXX, also unknown. Both inquiries included credit reporting agencies.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX, XXXX and Experian is reporting inaccurate information on my credit report. I call the court and they told me they dont report Bankruptcy to the credit bureaus. All 3 bureaus is reporting fraud on my credit report and i would like these to be removed ASAP.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX outstanding balance was 0, but the 2 credit agencies, XXXX XXXX Transunion failed to update my credit despite of numerous disputes. I contacted the XXXX  but they have no more record regarding my student loan balance because I was given forgiveness on my loan from 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 2022-08-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For roughly the past 6 months my debit cards have been compromised and ally refused to tell me they were compromised. They led me to believe these charges were harmless and posed no risk to my account, it turns out that all of their cards are compromised and I am now worried about my debit card. 

Most recently I had fraudulent charges attempted on a closed debit card on XXXX. Ive contacted them about 10 times and could never get a straight forward answer about why my debit card was not working properly. My debit card was randomly marking valid transactions as fraud preventing me from accessing my money, this occurred in XXXX. 

To summarize, my concerns are : -dishonestly around fraud and compromised accounts -thieves accessing locked down cards -debit card control feature not working, creating false security -ally bank disabling my fraud alerts after misleading me to believe their system was not compromised -ally flagging my transactions in XXXX preventing me from using my card -a XXXX  fraud charge attempted, which I dont believe they emailed me and I lost the text. 
-inability to reach customer support and get information from them Things appear to be ok right now but Im afraid my money will be stolen

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 2022-07-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Upon trying to withdraw {$20.00} from the ATM, for which I need to purchase my husband 's medication, and even though I have overdraft protection, I keep getting denied. I believe that customers should be able to get some money, especially for an emergency. Also, {$35.00} fees are absolutely outrageous. It's no wonder people who are on a fixed income can not get caught up. Wells Fargo refuses to return the fees, overcharges if you can not get to their ATM & representatives do not want to hear any complaints. We have threatened to make the move to another financial institution, yet, even the so called XXXX line doesn't want to help. I've asked to speak to the bank ceo, but am given an excuse.

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 2022-09-26
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
It has been 114 days since Comenity Bank has rewarded any of its customers with their reward points due to some update that prevents them from doing it. 

Theyve made little to no communication on it, only state theyre working on it, and have no evidence of such. 

Do not use any card serviced by this bank. They do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX - Requested on XX/XX/23 XXXXXXXX XXXX XXXX Requested on XX/XX/23 XXXX XXXX XXXXXXXX - Requested on XX/XX/23 XXXX Requested on XX/XX/XXXX XXXX XXXX Requested On XX/XX/23 XXXX XXXX XXXX  Requested on XX/XX/23 XXXX XXXX Requested On XX/XX/23 XXXX Bank requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23 XXXXXXXX XXXX  Requested on XX/XX/23

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address are incorrect

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 2022-09-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XXXX or XXXX I have the checking account ending in XXXX. For the last 2 years - Ally bank has gone from worse to worst. 
No customer service associate available via chat or phone. 
Long wait time and very useless customer service. 
Check deposits are very unpredictable. 

Deposited a check of {$15000.00} via ally mobile app on XXXX XX/XX/XXXX at around XXXX. 
Till now there is no status on that check. I know it's next business day but it's too long a wait and something like Ally which is only online bank should be doing much better.

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