BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I applied to take over a lease on a XXXX vehicle with Ally Bank. There is approximately 24 months left on the lease with the aggregate payments amounting to no more than {$34000.00}. I submitted a credit application which Ally Bank rejected citing " credit experiences are insufficient for dollar amount requested. '' Meanwhile, in its rejection letter, Ally acknowledges that my credit score was XXXX out of XXXX. As indicated in my credit application, my annual income is nearly {$XXXX} ; I 've been employed with the same employer for over 13 years and resided in my residence for nearly 10 years. The only outstanding debt that I have is a student loan in the sum of {$50000.00} with no late payments and a car lease for one of my assistants from XXXX with {$3000.00} left. I have no negatives on my credit, I carry no credit card debts and all components of my credit are designated as " Excellent '' by all three credit reporting agencies. In fact, my credit score and income exceeds that of the original lease holder for the car. The only possible reason for Ally 's refusal to approve this transaction is either a racial and/or national origin bias. I believe that Ally is discriminating against me due to my XXXX ( the original lease holder has a XXXX ). Given the vast discrepancy between its explanation and my credit history, there can be no legitimate reason aside from discrimination. In fact, Ally has a history of discrimination against minorities with relation to auto loans, having had to pay over {$90.00} XXXX in 2013 as a result thereof. I believe that I am not the only person of XXXX having experienced this matter and know of at least one other who has excellent credit, but was denied an auto lease for the same or similar reason by Ally Bank. Furthermore, I had authorized Ally Bank to check my credit score once. However, it did so on at least two occasions, thereby negatively affecting my overall credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Spring Oaks Capital, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As a consumer and the natural and original creditor i have been violated by this company based on XXXX XXXX XXXX XXXX XXXX ( XXXX ) that i have to give written consent to report anything on my consumer report and i have no idea of this collection nor have i signed anything giving them permission to furnish a copy of my report or report negative accounts which is currently damaging my consumer report. I am demanding this account be deleted and removed from all consumer reporting agencies. Also i am attaching a validation of debt letter that i am demanding a copy of the ( original signed document ) attaching to to the alleged debt. Further legal litigation will be taken if these terms are not met!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hello, About three weeks ago I contacted Transunion and I told the rep I was victim of them reinserted previously deleted information. I told him some of inquiries were reinserted twice on the same day. The customer service rep refuse to help me and told me to contact the creditor. I contacted the creditors and they told me it was not them, Transunion made the mistake. I was never notified by Transunion of this mistake. 
The inquiries reinserted that were previously deleted are listed below. 
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 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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
my wallet was stolen. someone tried to open several credit cards in my name.

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 2022-02-21
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Today ( XX/XX/22 ) at approximately XXXX ( XXXX  ) I requested a small credit limit increase of {$400.00} on my XXXX XXXX account. At no time in the process leading up to, during or even after was I notified there would be a hard pull on my credit. There wasn't so much as a small hyperlink to skip over. It wasn't until I got an email from a credit monitoring service that I was aware of the hard inquiry at all. I never would've requested the increase had I known about the impending damage to my credit nor did I consent to the pull at any time in the process. When I called to speak to XXXX about this I was transferred to a supervisor who then did nothing but gaslight me, XXXX and eventually landed on ( essentially ) " Well it's our policy, you should've just known and I'll forward your concern to the tech team. They'll review it and see about making it more clear online. '' I have never had a hard inquiry on my credit due to a limit increase, whether offered by a company or requested on my part. How was I to anticipate XXXX ( parent company of Citibanks ) would be different, especially as my Citi card is one of those who have never done a hard pull after the initial to first get the account? When I asked how they could do a hard inquiry without my request I was told that " you consented by requesting an increase '' but again, this " policy '' was not given anywhere in the process. 

I'm so upset that such a minimal increase is going to negatively impact my credit for years, especially as I didn't consent to this. In no way is this small increase worth a ding to my credit and I would've never done thus had XXXX been forthright or actively asked for consent to pull it. 

I do hope someone can look into this and hopefully protect anyone else from ending up here as well. I'm hoping also to find a way to remedy this with the credit bureaus. 

Thank you for your time, 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 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am a victim of identify fraud and as such, I constantly get fraudulent attempts for new credit on my credit profile. Since I am instantly alerted on these, I immediately start a dispute as these inquiries as fraudulent. A short time later I got a response from TransUnion/XXXX with the results of their investigation concluding these were legitimate inquiries, and if I had any further questions, to contact the credit grantor. I have reached out to the credit grantors and advised them of these fraudulent attempts and they have advised me they have blocked it in their system and sent notification to the credit reporting agencies to have these inquiries removed, but several months later, they are still on there. I have now sent the letters from the credit grantors, indicating they have requested these inquiries to be removed from the various credit reporting agencies, to the credit reporting agencies again, but as of this complaint, the inquiries remain.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: FL
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:
This letter is in response to your recent response to my latest disputes, I am totally XXXX that after multiple dispute letters this items still can be found in my credit record. I have told you that this is in direct violation of XXXX XXXXXXXX.

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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Inquiries on my credit report was removed by Transunion and placed back on without proper writing notification, which is against the law. I would like those inquiries removed please. Thank you.

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 2016-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection posted in my credit report Trans Union from XXXX account # XXXX for the amount of {$650.00}, I contact them and ask for copy of original documents, I dont have knowledge that this account belongs to me. I ask several times to TransUnion and XXXX Company to investigate this account but I only receive for answer that this account belongs to me.. How I know is mine, the company never provide a proof, any receipt or document sign for me. I Request of Production but they failed to send me those documents.

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 2017-09-26
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: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
THIS HAS BEEN A CONSISTENT PROBLEM WITH BANK OF AMERICA AND A MERCHANT NAMED XXXX XXXX XXXX  XXXX. THE MERCHANT ALLEGEDLY ISSUED A CREDIT OF XXXX TO AN OLD CREDIT CARD ENDING IN XXXX THAT BANK OF AMERICA CHARGED BACK TO MY ACCOUNT ALLEGING THAT THE MERCHANT SUPPLIED FALSE AND INCORRECT INFORMATION STATING THAT I RECIEVED THE MERCHANDISE WHICH IS FLASE. I WANT THE XXXX CREDITED BACK TO MY ACCOUNT ENDING IN XXXX IMMEDIATELY. THIS IS A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED IMMEDIATELY. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE 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 2017-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This specific XXXX XXXX XXXX ( Account # XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, XXXX & transunion ) and now i see that they are back. Please delete XXXX XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX XXXX removed from all XXXX credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

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 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are XXXX incorrect addresses showing on my credit file. Please remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 2022-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I have already sent equifax a written instructions to remove accounts off my credit file because I never gave them permission to furnish the report pursuant to TITLE 15 USC 1681b. They have failed to comply and adhere to my consumer rights. The CFPB is supposedly established to help the consumer in these situations. Please do your job and get the positive results I want. There shouldnt be any reason why when I confront a credit reporting agency and show them the code that shows how they are violating my rights that the violation shouldnt be cured immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent Trans Union numerous request to investigate and correct accounts in my credit report that are reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
US DEPARTMENT OF EDUCATION # XXXX for is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Experian for them to delete the account or remove the INACCURATE PAYMENT HISTORY that make this account falsely past due and in collection. I have contacted the US Department of Education and I have been informed by them that they have alerted Experian XXXX that this account should not be a derogatory item, it should NOT be reported as a collection or in collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any proof of verification as to their reasons for reporting the account this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon pulling my consumer report, I noticed several inquiries that I have no knowledge of. I have not applied for employment nor credit with these institutions and would like these inquiries immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unfortunately, I had my debit card stolen again within three weeks of the previous theft. This time the thief was able to use my card at  XXXX  for {$850.00} or so, and even took {$240.00} out at an ATM across the river before I could cancel the card.  ( My acc ount still had fraud claims from the theft weeks prior, so apparently I was not allowed to cancel the card by phone. I went to my local branch as soon as I noticed activity, and tried to cancel, but not before they were able to take more than they used at  XXXX . ) The various transactions made by the thief are : - {$50.00} - {$800.00} - {$4.00} - {$18.00} - {$100.0 0} ( Withdrawal ) - {$100.00} ( Withdrawal ) - {$40.00  } ( W ithdrawal ) I reported the fraud yet again, and was given temporary credit. I answered various questions about my most recent transactions, again, and hoped this was the end. Their investigation, I guess, just ended, and I received an email telling me that my account was overdrawn ( because of the claims reversals ).     I am awaiting response from them, but expect the same will happen as it did last time. They decided my claims were not valid. I am now at a negative sum in my account, and I 'm still out the almost {$1200.00}. I did not know who else I could turn to to help resolve the issue.     I did not report this to the police because I can not describe the thief 's appearance. I did not notice that the card was gone until the email in the morning told me my account was below my alert limit.     Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am in the process of purchasing my first home and my mortgage lender made me aware that my credit score was XXXX points lower than expected. My credit score is affected by an outstanding medical bill from QUEST DIAGNOSTICS for {$50.00}. Service date of medical bill was XX/XX/XXXX. I am very diligent with paying medical bills so I immediately searched my XXXX and was able to find an email from XXXX XXXX ( XXXX ) dated XX/XX/XXXX indicating I had paid the {$50.00} with my XXXX ending XXXX. See attached for proof of payment. 

I immediately called Transworld Systems Inc ( debt collector ). They said I had an outstanding medical bill of {$50.00} ( attached screenshot from TSI web portal ) and I confirmed with them that I had paid it. They said they would follow the standard dispute process for this. I have also filed a dispute letter, attached. 

I called XXXX XXXX multiple times between XX/XX/XXXX to XX/XX/XXXX and no one from their billing department is able to retrieve the associated claim because the invoice is from XXXX and all records from XXXX have been purged from their system. I need a letter from XXXX indicating that the {$50.00} was paid timely so that the credit agencies can remove this from my credit report since it is severely affecting my credit and ability to get a mortgage. QUEST is stating that they can not write me a letter because they can not see the related claim in their systems even though I have proof of payment, so I am at a standstill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that perticular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, Im guess because its mulitple accounts. i called to inform them of this. XXXX have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harrassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Investigation took more than 30 days

Complaint:
I have sent several correspondences in regards to incorrect information on my profile. It has been well over 45 days.

Company response to consumer: Closed with explanation