BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: ALLY FINANCIAL INC.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Timeline of Events Tuesday, XX/XX/2017 : My daughter wrecked her XXXX XXXX XXXX. 
Tuesday, XX/XX/2017 : XXXX XXXX declared the car as a total loss. 
Friday, XX/XX/2017 : The information needed to settle the claim was sent to XXXX. 
Tuesday, XX/XX/2017 : XXXX, the XXXX Insurance adjuster, contacted XXXX to request that he attempt to contact Ally Bank, due to the fact that Ally Bank had been negligent in their contact with XXXX, specifically as it concerned sending the letter of guarantee. XXXX made the call, spent a considerable amount of time on hold and being transferred, and was then cut-off. He called the main branch and was finally redirected to someone who took his complaint. That evening, at XXXX, the letter of guarantee ( attached ) was emailed to XXXX. 
Wednesday, XX/XX/2017 : XXXX XXXX contacted XXXX to alert him that the letter of guarantee was received the prior evening. The insurance adjuster, XXXX, forwarded the email to XXXX, and upon examination, XXXX observed that the net payoff that Ally stated should be remitted in order to secure the title, {$20000.00}, was much more than his records indicated. According to the document ( attached ) provided by Ally 's online account management system, the net payoff at that time was {$11000.00}. Due to the nature of both his and XXXX 's experiences with Ally, XXXX instructed XXXX not to release the funds, due to the fear instigated by the misrepresentative, possibly fraudulent, nature of this correspondence. Additionally, the issues that had been encountered in the prior weeks when trying to contact Ally Bank to secure necessary documents made XXXX wary that there would be significant delays in receiving the borrower 's proceeds. 
Thursday, XX/XX/2017 : XXXX and his wife, XXXX, who is the borrower, penned a letter ( attached ) to Ally Bank, describing their qualms with the bank 's actions. As to the present date, Ally Bank has not responded to our complaint. In the meantime, we have had to continue making payments ( attached ). Furthermore, with each day that passes, we are also incurring interest charges that we must pay. For a more detailed description of our complaints, please see the letter ( attached ) that we emailed to Ally Bank.

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 2016-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
In trying to lift a credit freeze from Transunion, I submitted what I thought was a request to control that freeze process. It turns out, though, that this was a credit *monitoring and alert* service. I gave them a credit card number for payment. However, the site had nothing to do with my credit freeze, which required a separate log-in and payment schema. Then I started receiving {$20.00} charges each month from Transunion for this service. Apparently I had signed up for a trial period and the regular payments started. Exceptionally frustrating and shady.

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 2016-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For the past several, years I have gone on line to try to obtain free report and have been unable due to not be able to enter the jungle of numbers/laters OR not seeming to get the numbers things correct such as today about XXXX to XXXX question related to XXXX and all were not related to me or my history,. they were on a mortgage and I have XXXX not since 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 2016-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After having multiple inquiries about loan options, I received a copy of my credit report and see that my credit score has dropped severely. At no point in time has anybody representing the company with which I checked about a loan warned me about the negative impact of a simple lookup of credit. I 'm now unable to qualify for a much needed home loan, and I 'm told that it will take at least 2 years to fix this issue. My dispute is that these inquiries were not made in a fair manner and should be removed from my credit 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 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TransUnion is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

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 2020-03-21
Company: Fair Financial Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was a XXXX XXXX XXXX XXXX, who rented a car from a partner of XXXX called Fair. 
I rented the car and paid a weekly sum of {$210.00}, until a unfortunate situation occured. 
Fair  broadcasted an email saying that they were ending business in Virginia  due to Insurance Premiums, and that our deposits would be applied towards our last payment. 
I used my saved payment to pay on other Bill 's, then Fair  re-broadcasted another email saying that the prior email was erroneous, and our deposit would be returned to status. 
I have been living in hotels since the day I began with Fair and XXXX. I'm also responsible for every other expense, and I found myself in a bind, and was behind. Before Fair took the vehicle back they did deduct a payment, and I emailed them saying that I'm having a minor cash issue. Nevertheless they still took the car. 
Now I'm without a means of income.And the company who repossessed my car wants {$75.00} just for me to get my stuff out. This company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX. 
I find this whole situation to be very unfair. XXXX errored in their email, which didnt really seem to be a well thought out decision, but it was enough to cause me a problem. Now much of my personal belongings are trapped in a car I cant afford to get into. It doesnt seem fair. If I had extra {$75.00} at that time, most likely this wouldn't of happened. 
XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 {$110.00} I answered a phone call from American Coradius International LLC. They asked how was I going to pay a debt on a XXXX account. I told them I wasn't paying anything because it can't be my debt because I never had a XXXX account. I also received a letter from American Coradius International LLC and returned it and checked not my debt. Also, in the returned letter I told them I have never had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed with the credit burea regarding an inaccurate public record ( Bankruptcy ) being reported on my credit report. I never file for bankruptcy. I contact the BK courthouse, and they agree, they do not report to the credit agencies, and they are not responsible for inaccurate records being held at third party companies. I have also sent a copy of my dispute letter to the Transunion XXXX XXXX CEO. I never filed bankruptcy and Transunion is in violation of the Fair Credit Reporting Act 623 ( a ) ( 3 ) My next step is to file suite against Transunion, they have never verified and validated with the BK courthouse, like they claim, I know this, because the BK court house does n't communicate to the credit bureaus. They are getting information from thrid parties, which there information most of the time is not accurate.

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 2019-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was compromised via XXXX, and I was hit with a fraudulent transaction. via XXXX using my debit card which has since been replace, XXXX changed my transaction to a check/ach charge using my bank routing number " due to the large amount '' without informing me and leaving me unprotected as per the phone rep I spoke with at XXXX. the person below is a scammer and has not delivered the goods promised to me, I am asking for a chargeback from bank of america on this fraud and I insist XXXX be held accountable for their fraudulent behavior and for compromising my account by switching the transaction to ach without my permission or notifying me. Both Bank of America and XXXX has refused to help with my case

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 2022-08-30
Company: EQUIFAX, INC.
State: NC
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 a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately. I have reached out to all creditors as well. 

XXXX {$250.00} XXXX {$230.00} XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Ally Financial reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.

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 2022-03-28
Company: EQUIFAX, INC.
State: MD
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/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was XXXX from XXXX XXXX until XXXX XXXX. During that time, a relative used my personal information to obtain credit, goods and services in my name. There have been car loans, bank accounts and not so successful attempts to get a mortgage. I have been pretty successful in providing documentation to creditors and debt collectors listed on my credit bureaus and subsequently having the negative information removed. Except the following two companies. Receivables Management Systems Account Number : XXXX This company is collecting for XXXX XXXX, a express medical facility. I have been able to provide significant information that proves that this debt was not incurred by me. I provided all of my records from the XXXX XXXX XXXX here in Maryland which lists the date I began my XXXX to the day that I was released. Since XXXX, I have left voice messages for a supervisor named XXXX, who never seems to be available when I call him. I have had better luck speaking with a representative named XXXX XXXX, but even then she is limited in what information she can provide. When I last spoke with her on XXXX XXXX, she told me that the agency was waiting to find out from XXXX XXXX if I was serviced there as an XXXX - which I certainly would not be. I left another message for XXXX XXXX yesterday, after waiting a full two weeks and I still have not heard anything back.

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 2020-04-20
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX We leased from Chrysler Financial ( which was bought by TD Autofinance ) and paid off the lease to  buy the XXXX back in XXXX but it was never changed to our name ( it's still listed under Chrysler Fin'l Co LLC ) , and we never received the title. We were looking to sell the vehicle in XXXX and realized this was missing. I've been calling TDA weekly since early XXXX to get the title, a duplicate title, or maybe some kind of lean release letter I could then take to the DMV to get a clear title. I just need something to allow me to get a title so I can sell it. I have the VIN and their account number. I've even mailed them money for this release letter but still have seen nothing. I've spoken to many people who all assure me something is being done and then nothing happens. ( And, yes, I initially tried My Title Support but they refunded my money saying they couldn't do it. ) And, lately, due to Covid-19, when I call, it literally hangs up on me saying they're too busy. FYI : they also have my husband 's name incorrectly listed as XXXX XXXX. ( It is actually XXXX XXXX XXXX, XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Arkansas XXXX XXXX XXXX , XXXX was paid in full on XXXX XXXX, 2014. We have the letter from them stating the account is 'PAID IN FULL '' and the Promissory Note marked " PAID IN FULL ''. This has been continuously reported unpaid. Account # XXXX. I, XXXX XXXX, was guarantor on the note, the note is originally in the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
The paid in full came from XXXX XXXX General Manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: MI
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 accounts have violated my rights : Dept. of EDXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX Members XXXX XXXX Michigan XXXXy XXXX XXXX XXXXt XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I went to the Bank of America branch at XXXX XXXX XXXX. XXXX, GA to open a consumer checking account and was immediately told that it would not be possible. When I asked why?, I was told that they could not disclose the answer. They gave a number to call ( XXXX ) XXXX, which I did from the branch lobby speaking with XXXX for almost an hour. XXXX initially said that my opening of an account was prohibited due to XXXX  reporting two unpaid checks from XXXX each in the amount of {$270.00}. Finally, XXXX was supposedly able to remove the restriction. When I then reinitiated efforts to open an account, the branch manager asked me to leave because I was coughing, which I may have been but certainly no more than anyone else present. Unsuccessful, I went to the Bank of America branch at XXXX XXXX XXXX. XXXX where miraculously my coughing went unnoticed and began the process of opening an account there with XXXX XXXX only to be denied early in the process but given no an explanation for the reasons behind their decision, especially since I had been a Bank customer for at least 10-years through 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 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have noticed that each month Trans Union is LOWERING my credit score that it is reporting to XXXX XXXX, and all businesses who inquire as to my credit. They have now, this month provided my creditors with a BELOW AVERAGE score, which is FALSE and slanderous. This is deliberate to thwart my attempts to further my business associations. I have XXXX late reporting and XXXX past due on ALL of my credit accounts and Above Average ratings with all of my creditors. There response is insufficient reporting time for each card. YET MY SCORE WAS ABOVE AVERAGE MONTHS AGO, SO HOW THEN IS THAT AN HONEST SCORE REASON, WHEN MANY MORE MONTHS HAVE GONE BY, ONLY STRENGTHENING THE TIMELINE FACTOR. The other negative explanation stated was too high of balance to credit line, yet I pay almost XXXX percent of my balance EACH MONTH ... .miles more than almost all credit consumers. I have been battling FOR YEARS with the credit reporting agencies committing criminal intrusion into my credit file, and it appears it is STILL CONTINUING. No law abiding, fair credit reporting agency would provide FALSE AND DEFAMATORY information on a credit file. I will continue to take legal action EVERY time there is an issue with my credit files an reporting as it appears, I have no choice, being that these types of misinformation have been going on for several years now in my credit file. I want the CORRECT ABOVE AVERAGE SCORE REINSTATED TO MY CREDIT FILE, OR I WILL TAKE THIS TO COURT.

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 2022-08-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account XXXX # XXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I listed an item on XXXX XXXX  on XX/XX/22. A buyer ( XXXX XXXX ) offered to buy XXXX items for {$800.00}. He tried to zelle me. He sent me a screenshot of the zelle. I then received an email saying that I needed to upgrade my zelle account in order to receive the payment. I had to send him {$500.00} and then I would receive my money. Once I did this, I got a fake email claiming to be zelle. It is then I realized it was a scam. I asked the sender for the money back and he refused.

Company response to consumer: Closed with explanation