BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-13
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Equifax, XXXX, & XXXX credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called on XX/XX/21 to get my late payment fee waived. When I spoke to the agent she said she's unable to do it. A previous agent I spoke to around XX/XX/XXXX said they do it once my balance is up to date. The late fee is {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this 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 2021-12-13
Company: ALLY FINANCIAL INC.
State: UT
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:
On XX/XX/XXXX we traded in our XXXX XXXX XXXX Lease through Ally Financial, payoff was sent from my dealership I work at as I traded it in here. I was in touch with my finance XXXX who did the paperwork she sent the payoff and necessary documents. A XXXX later after we as a dealership sold the XXXX having satisfied the lease I got notified of a XXXX day late payment had hit my credit. Finance XXXX contacted Ally corrected the situation Ally apologized and admitted to the error on their part I have a letter stating so. They said they would remove the XXXX late payment on the account and credit report and the account was satisfied. Ally is telling me as its now XXXX yes the lease has been satisfied nothing XXXX is on file or on my credit. On XXXX it is still showing a XXXX late, but not on XXXX and XXXX. It has been XXXX  months and it is still on my credit report, it has effect me being able to get approved for purchases as it dropped my score XXXX points. I need this XXXX day late payment removed ASAP. It was an error on behalf of Ally. We satisfied the account far before the month end of XX/XX/XXXX and Ally has verified so.

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 2021-06-15
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax has accounts on my credit report which havent been updated since XX/XX/XXXX. Equifax refuses to follow bankruptcy as these accounts have already been included and discharged in my bankruptcy which was filed XX/XX/XXXX. Equifax has an inquiry on my report which is fraudulent from XXXX XXXX. Ive never applied for that company. My XXXX XXXX auto loan is paid off and equifax doesnt report that. Equifax has each account listed on my credit report twice. Most of which accounts such as XXXX which was fraudulent anyways opened by identity theft hasnt been updated since XXXX. Equifax also refuses to follow bankruptcy laws and refuses to update the accounts on my file even though they were discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Bread Financial Holdings, Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
XX/XX/2021 : XXXX XXXX : XXXX asked for my phone number : XXXX : cashier located my account W/O my physical card present. I informed cashier of NAME CHANGE, ADDRESS CHANGE. Her XXXX said when the bill generates and forwards to you-make the changes and submit w/ payment. 

XX/XX/2021 : Never received statement via mail as expected. FOUND copy of XXXX XXXX XXXX  ( I DON'T have my card anymore ). Called Customer service : XXXX. Informed : NAME CHANGE, ADDRESS CHANGE. Representative asked if name change was due to Marriage/Divorce? Answered, " XXXX ''. Are you still with XXXX XXXX XXXX? " NO ''. My last name was, and I'm in a different state. 

Same day, XX/XX/XXXX, I paid over {$200.00} ( XXXX {$100.00} ). 

Letter dated XX/XX/XXXX, XXXX XXXX VIA COMENITY BANK : We can not send you replacement card. " I NEVER ASKED FOR REPLACEMENT ) And your account is CLOSED '' That's unbelievable. And reported to all XXXX credit bureaus. Score dropped ; XXXX points. 

Since I have other STORE credit cards, without the physical cards, due to lack of use- like XXXX, wrong name, wrong address, wrong phone number, I guess Comenity Bank will handle by closing these accounts as well. 

I'm the one that reached out, called, Comenity Bank updating out dated information on me, and they used the information to discredit me. I guess divorce and change of workplace is cause for irrational RUSH TO JUDGEMENT,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
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: Information belongs to someone else

Complaint:
There was a debt in my name that wasnt from me. I disputed the debt through Experian letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!

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 2017-04-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX our XXXX of XXXX.. passed away. On XX/XX/XXXX XXXX of the church went to the Wells Fargo Bank ( XXXX, MD XXXX ). They spoke with Personal Banker NMLSR ID : XXXX. XXXX. The XXXX presented the certified copy with raised seal of our Articles of Inc., tax ID letter, church check books, bank statements, and their driver and non-driver ID ( matching the signatures on the church articles of incorporation. Personal Banker NMLSR ID : XXXX was informed that on XX/XX/XXXX two men were not members of XXXX. had been allowed to put their name on our church bank accounts at the XXXX MD XXXX. Counter checks were created for their use. A check was written on XX/XX/XXXX to one of these men in the amount of {$900.00}. It is our understanding that they met with Personal Banker NMLSR : XXXX located at XXXX MD. XXXX. Banker NMLSR ID : XXXX contacted the Wells Fargo Bank legal department. The legal department stated that they would correct this matter after the articles of incorporation where taken to the Maryland State Department to be updated. The articles of incorporation were updated and returned to Banker NMLSR ID : XXXX approximately XXXX on XX/XX/XXXX. XXXX XXXX NMLSR ID : XXXX sent a copy of the certified articles of Inc.. to the legal department. The control and proper names were applied to the account. After the banks error we requested to have a new bank account. Sadly Wells Fargo allowed the processing of a second counter check signed by one of the men who was not a member of our church in the amount of {$600.00} written on XX/XX/XXXX. On XX/XX/XXXX we spoke with the Service Manager ( XXXX MD XXXX ) due to are bank cards not working properly. When we discovered that the reason for the trouble was that the Personal Banker NMLSR : XXXX located at XX/XX/XXXX MD. XXXX had removed our names from the account and replaced them again with these same men and added a woman who was also not a member of our church. 
The actions of Wells Fargo Bank allowing these people without proper documentation to be assigned to our account as signers. This has caused tremendous stress and hardship upon the church as a whole. We are greatly disappointed that these actions were allowed to happen. To this date we have not received any report of any investigation or any resolution to this matter.

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 2021-12-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over XXXX days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report and it has been over XXXX days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you've caused me. 
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX {$14000.00} I had a credit card with American Express, however due to nonpayment American Express closed on account with a balance on it. However, for over a year now I have been trying to make a payment and i have been unable to due to the fact that every time I call American Express, they tell me that the account is no longer with them. I was provided a lawyer firm contact information, however, when i reached out to that law firm I was advise they no longer had the account and that I needed to contact American Express again. But yet every month a late payment is reported on my credit report by American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax conformation # XXXX XXXX Bank XXXX # XXXX date of last payment XX/XX/2016 Historical account information date of last payment XX/XX/2016 Date of XXXX Delinquency. XX/XX/2016. Should be XX/XX/2016 Account history should be corrected to reflect XX/XX/2016 as date of XXXX delinquency. 
I was told by Equifax employee that they are not responsible for the accuracy of the information they provide. It is the creditors responsiblity, and when there is a dispute they contact the provider, and it the provider tells them the information is accurate. Then the information is accurate and can not be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over 60 days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you've caused me. 
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
There. Was. And. Is. A. Fraud. Charge. Transaction. That. BofA. REfuses. To. Help. To. Resolve. Issue. And. Credit. My. Acount. With. Reference. To. These. Fraud. Charges?

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 2022-04-29
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was compromised by a fraud phone call I received in which I thought the call was from my bank because it was my actual bank number that showed up on the caller ID, then shortly afterward my account balance went to XXXX to a negative, I went to the bank they then required me to get a police report which I did, and they still haven't released my funds. I went back to the branch on yesterday XX/XX/XXXX to get an update and they stated it would be another 2-3 weeks because they forget to file my claim for my money to be release.

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 2021-12-13
Company: Exeter Finance Corp.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
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:
I contacted exeter finance at XXXX at this point is daily. This company owes me about XXXX for a overage in payments sent in XXXX separate checks. They have told me check was sent XX/XX/XXXX then XX/XX/XXXX then XX/XX/XXXX now XX/XX/XXXX. Each time I requested proof checks were sent. I was told no that isn't allowed or I was told give us XXXX to XXXX hours but never given any information. They received payments on timely manner and are now withholding money that does not pertain to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about, XX/XX/2021, all XXXX ( XXXX ) XXXX XXXX XXXX ( CRAs ) - ( XXXX, XXXX and TRANSUNION ) were given notice of a crime of identity theft. The documents included in the Notice were, an Affidavit of Identity Theft, copy of credit report, FTC Identity theft report, Police Report filed regarding the accounts indicated, and proof of my Identity. Proof of delivery via certified mail / return receipt # XXXX XXXX XXXX XXXX XXXX shows TRANSUNION, LLC. did in fact receive Notice of the identity theft, with attachments/ reports to substantiate the claim on XX/XX/2021. 

TRANSUNION, LLC. had the audacity to report XXXX of the accounts related to this crime, XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX as " verified '' and refused to delete/block the account even after I provided proof of the identity theft crime and accounts related. I HAVE NO AGREEMENT with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not possibly verify an account they have no first hand knowledge of. TRANSUNION, LLC. can not verify any accounts as they do not have first-hand knowledge either, nor were they a witness or a party to any alleged agreements. Both XXXX XXXX and TRANSUNION, LLC.  are both unauthorized 3rd parties whom have NO authority to verify or validate any alleged debts, let alone refuse to follow the XXXX regarding the blocking of an account that is related to a crime of identity theft. The FCRA requires a CRA to block fraudulent information on my credit report resulting from identity theft within XXXX ( XXXX ) business days. TRANSUNION, LLC. is willfully, knowingly with intent refusing to remove and permanently BLOCK this fraudulent account in attempts to cause me damages. Willful refusal to remove and block is now a violation of several sections of the FCRA, specifically sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ). As a federally protected Consumer, I will hold TRANSUNION, LLC. liable for any and all civil liabilities pursuant to 15 USC 1693m and any and all criminal liabilities pursuant to 15 USC 1693n. These Violations/ Damages caused to I, the Consumer, carries damages worth of up to {$1000.00} or more each violation, in addition to having sustained damages related to physical and emotional distress. Not only has this affected me being able to Re-Finance my Mortgage but potential creditors seeing these inaccurate accounts on my report has effected me tremendously.

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 2023-02-09
Company: EQUIFAX, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief