BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: AL
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:
Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX Original Balance {$3500.00} This account is being reported on my credit report as delinquent with a balance this account has been resolved yet it still appears on my credit report erroneously I wan this account removed from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is requesting payment for an account that I do not owe on. {$140.00} from XXXX These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TRANSUNION. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$140.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TRANSUNION AND XXXX, in their respective states if this is not resolved NOW! TRANSUNION and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with TRANSUNION. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with TRANSUNION! 
I have submitted as well an official SS card and pay stub, wtc with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, 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 2022-08-16
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian numerous times to fix the glitch in their algorithm that is not taking into account all of my credit history when calculating my credit score. Per my credit report - I have 6 revolving accounts - 5 of which I am an authorized user on and one on which I am the primary account holder. Only the one on which I am the primary account holder is being used to calculate my score. I can tell this by looking at the explanation of my score- it specifically states I only have one revolving account, when on the first page it shows that I have six!

Experian basically told me to seek a licensed credit advisor for advice on how to clean up my credit. My credit has always been in the 800 's so there is nothing I can do to clean up my already excellent 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 2022-03-26
Company: TRUIST FINANCIAL CORPORATION
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:
On XXXX the XXXX 2021 My bank card was stolen and in this process XXXX Dollars was taken from my account at XXXX and XXXX was taken at XXXX. When I reported the theft to truest bank they said they would investigate the suspected both of my checking accounts they investigated I'm thinking I'm gon na get my money back and at the end of the day XXXX later they declined the investigation said there was no fraudulent activity and myContinued to go deeper a deeper and debt. Overdraft feeds after overdraft be after overdraft fee XXXX different accounts were affected. And to this day they finally closed the account I was almost a {$1000.00} overdrawn in XXXX and XXXX and some dollars overdone in the other account. They informed me that there was nothing else I could do to make them give me back my money I have been wronged by this bank and I am almost {$2000.00} a debt because of it and they say there's nothing I can do. I would greatly appreciate any attention or time that you could put into this to please give me back my funds almost {$600.00} is where it started.

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 2021-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bank of America placed my account into a fraud account do to not having enough money in my account, I was never told that my account was fraud until I tried to open a account with XXXX XXXX. this is defamation of my character and I am not happy because I have never done anything that was fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14
Company: Revenue Assistance Corporation dba Revenue Group
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had insurance. And I reported the debt to this company and the company charged me XXXX!! They charged me XXXX more dollars to my credit now they are saying I owe them XXXX and its overdue. I dont owe them nothing and they cant charge me XXXX firstall. What is going on with this company. Why are they charging me AGAIN! I have insurance so why isnt my insurance covering it. This is HORRIBLE! PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: R.M. Galicia, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On a routine credit report, I found a notification that I may have an unpaid balance of {$180.00} based on a bill from XXXX XXXX XXXX. This was my first notification on this matter. I have received no notifications, bills, calls, online notes or any information about this, zero. Also, when I periodically reviewed the XXXX billing website, I found no notification that I owed any unpaid amount to XXXX. I have always paid other bills with XXXX and this was a complete surprise! 

On XX/XX/XXXX, after reviewing my credit report, I contacted the XXXX XXXX XXXX by phone. XXXX would not provide any information regarding the specifics documenting the debt or any confirmation that I was ever notified ( other than XXXX indicating that the debt was based on unspecified XXXX   XXXX  for an unspecified patient, on XX/XX/XXXX ). I also confirmed that XXXX has my correct mailing address and contact information. 

Subsequently, In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), on XX/XX/XXXX, I called the Collection Manager at Progressive Management Systems in XXXX XXXX, CA. They noted that they had not contacted me about the debt but would provide no information or any verification that this debt was owed and the nature of the debt. 



I thereafter, contacted the collection agency by mail, and requested they provide me with a validation of the debt noted above. Please note, I did not provide a refusal to pay, rather I am disputing this claim and requested validation based on 15 USC 1692g Sec. 809 ( b ). 

I still have received no information by any mean from either XXXX or the Progressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have been trying to contact Ally Bank for days and can not get any customer service. Since Ally is an online bank, there are no branches to visit, so this is an urgent problem. 

I have tried calling Ally, but no matter what time of day I call, the hold times are over an hour with no option to get a callback. Nobody can be expected to wait on hold for that long. 

I have tried sending Secure Messages in the Ally app, but nobody has responded. I have sent XXXX messages since XX/XX/XXXX with no response. 

All I need is someone to help get a check deposited. The check has been wrongly rejected twice and needs manual intervention. I can't wait forever to get these funds.

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 2022-03-26
Company: Experian Information Solutions Inc.
State: SC
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:
Theres are XXXX closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are 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 2017-05-26
Company: Alliance Group & Associates LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was called at my cell phone number (  XXXX  )  XXXX  on   X/XX/17     at  XXXX . The caller id was (  XXXX  )  XXXX  and I answered and heard silence due to the dial being placed with an autodialer. When I got connected, I informed the caller this was a cellular phone and I requested not to be called.   I received another call from  (   XXXX   )   XXXX  to my cell phone number (  XXXX  )  XXXX  on    X/XX/17    at  XXXX . I answered and heard silence again from an autodialer and was then transferred to a representative. She stated she was calling fro m Alliance Group an d  Associates regarding a collecti on matter from   XXXX   XXXX   XXXX   XXXX . She did not give any disclaimer about call recording or give the required mini-miranda disclaimer. I asked why they continue calling my cell phone after I have requested no further calls and why they called with an autodialer and I explained this violates the TCPA. She immediately asked me to commit to payment for a debt I do n't recognize and then made threats to damage my credit and garnish my wages then hung up on me!   I called back  (   XXXX  )  XXXX  and another rep answered and did give a call recording disclaimer along with a mini-miranda disclosure. I asked again why they keep calling my cell phone with an automated dialer and she claimed the number was located through skip tracing and is permissible so I asked to speak with a supervisor. I was placed on hold then the same representative came back giving me a number in South Carolina for me to dial. I asked why I ca n't speak to a supervisor at her location in Pennsylvania based on her caller id. She stated she too is in SC and refused to transfer me and hung up.   I dialed back once more and another female answered and also refused to allow me to speak to a supervisor and hung up on me.   I have searched the internet and I am unable to locate a website for  Alliance Group and Associates and I  question their collection practices. I believe they are deceptive and are not following federal regulations or treating me respectfully or fairly. I feel harassed and with this experience, they have violated the following  : 1. My request to not be called on my cell phone further 2. The TCPA has been violated by calling my cell phone multiple times with an automated dialer 3. They refuse to allow me to speak with a supervisor and hang up on me continuously 4. They did not give all required disclosures ( call recording and mini-miranda ) 5. They are using spoof caller-id numbers to misrepresent themselves as a company local to Pennsylvania - and for no reason ... I live in Florida even though my cell has a PA area code 6. They are making outragesous threats to garnish my wages which is excessive and not permissible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Account information incorrect

Complaint:
XXXX has sold this account with my name attached, to XXXX debt collectors in the last XXXX years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.

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 2022-08-16
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: Account information incorrect

Complaint:
XXXX has sold this account with my name attached, to three debt collectors in the last 2 years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$49.00}

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 2022-03-26
Company: WELLS FARGO & COMPANY
State: WA
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:
This morning ( XX/XX/22 ), I woke up to XXXX emails that my debit card had been declined XXXX times for charges of {$1.00} each in XXXX, CA. I live in WA and my card never left my wallet. I logged into my account and found that XXXX charges, XXXX for {$1100.00}, another for {$1100.00}, both in XXXX, TX, were made while I was asleep. I called my bank immediately upon waking up and seeing the alerts on the XXXX miniscule declined charges, Wells Fargo, and they are opening a claim on these XXXX major charges and sending me another debit card. Wells Fargo has not followed through with fraudulent charges in the past and I want to make sure that I get this money back soon because it is a significant amount that I am counting on.

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 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My CHAPTER XXXX BANKRUPTCY was discharged XXXX/XXXX/XXXX and it was incorrectly reported on my status as a new bankruptcy. Payments were made monthly for 5 years through a trustee. Delinquent accounts were reported for : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts were not delinquent as court ordered payments were made monthly from XXXX XXXX until XXXX XXXX. I do not have a new Bankruptcy. My XXXX and only bankruptcy is closed. I filed XXXX XXXX, XXXX, date case closed XXXX/XXXX/XXXX, date discharged XXXX/XXXX/XXXX. This mistake has cost me dearly on home and auto insurance. I have tried repeatedly to get this corrected.

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 2016-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an address listed in XXXX that was related to a fraudulent account. The, fraud that occurred was straightened out over 10 years ago, but the address associated with that fraud.needs to be removed from my records. I have never lived outside of California

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