BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my XXXX XXXX is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  : {$17000.00} ; XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$720.00} ; XXXX XXXXXXXX XXXX XXXX on XX/XX/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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-24
Company: Rozlin Financial Group, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I called RFGI about a letter in the mail to collect debt for XXXX  XXXX XXXX and now XXXX XXXX XXXX, XXXX for {$2300.00} for claim from XXXX XXXX. The representative told me I could only talk to her by giving her my SSN or DOB and would hang up if I didnt. After giving my DOB, she laughed at me saying because of HIPAA she can see my full SSN, DOB, and email address. Then said she can see where my insurance company denied the full amount for XXXX XXXX XXXX and the statement of claim they sent me. When I asked for all this to be sent to my house she only sent a letter that looks like it was made on XXXX word for a service on XXXX XXXX. I got the letter on Saturday XXXX XXXX and no copy of the statement of claims she said she saw was included. I called my insurance company on XXXX XXXX and they said they have my statement of claim that shows they covered it and that I am only to be billed {$710.00}. The RFGI representative lied to me about having a copy of a statement of claim from my insurance denying coverage to get me to pay the full amount. 
This item was suppose to be only the amount covered by insurance and no cost to the patient. XXXX XXXX XXXX is now out of business and XXXX XXXX XXXX bought out patient information. Now they want the money I was never suppose to owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/ Truist Bank charged my account with XXXXhree ( 3 ) {$36.00} overdraft fees based on pending items. I reached out to them via their chat and was told that this is their normal practice to charge overdraft fees based on pending items. It happened again on XX/XX/23 and XX/XX/23. The overdraft fees are actually what is causing the account to go negative rather than posted transactions.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
To Whom It May Concern, I'm in need of assistance regarding a false claim brought against me by Ally Auto Finance that I owe them {$4600.00}. 

The vehicle in question was for a leased XXXX XXXX XXXX XXXX XXXX ( XXXX number XXXX ), from XXXX XXXX XXXX XXXX XXXX XXXX with an address at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Ally was the finance company I signed with in XX/XX/XXXX for three years. I even purchased extra mileage plan of XXXX miles that was built in the amount I owed each month. 

Fast forward to XX/XX/XXXX, almost three years after I returned the XXXX XXXX XXXX XXXX XXXX at the conclusion of the lease, I'm receiving letter from Ally I owe the the back {$4600.00}. 

I called Ally multiple times requesting for an explanation in which the each representative inform me the following : 1. I was told I failed to make monthly payments? 
That is false. My primary bank, XXXX  XXXX XXXX provided me in detail that I made every monthly payment on the lease. I have documented proof and XXXX  XXXX XXXX will support me in the false claim. 

2. I was told the {$4600.00} was for an overage mileage fee on the XXXX XXXX XXXX XXXX XXXX. 
That is false. As previously noted, I paid for the extra mileage when I signed my lease in XXXX. When I returned the vehicle, my odometer wasn't near the XXXX miles alloted to me during the three year lease 3. I was told there was {$4600.00} of vehicle damage when I returned the XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. 
That is false. I returned the vehicle with no damage. After almost three years they are now informing me I returned a damages vehicle?

4. I was told, I owe {$390.00} for vehicle damages?? 
That is false. I returned the vehicle with no damage. 

When I spoke to the bank representative again why I received three letters from Ally and now a collection agency that I owe {$4600.00}. I was not able to get an explanation and was told someone will be contact me next week. 

I'm fearing my credit is now impaired by this false accusation and mistake from Ally.

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 2023-04-11
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ALLY FINANCIAL # XXXX is in Violation of 15 USC 1681a 2 ( A ) ( i ) - Exclusions, the term " Consumer Report '' does not include any reporting containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON ( ALLY FINANCIAL ) making the reports. So reporting LATE PAYMENTS is a TRANSACTIONS AND SHOULD NOT BE REPORTED.

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 2022-10-22
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: Their investigation did not fix an error on your report

Complaint:
The unverified account listed below continue to report on my credit report in violation of federal law. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I just received a notice from Kohls and Capital One that the rates are going to 30.24 %! This is similar to my other cards, but not as high. However, even my good credit card from my credit union is over 10 %. 

At what point is it predatory lending? This is the interest rates we need to fight right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am responding to the previously two inter-related complaints XXXX and XXXX regarding a fraudulently applied for and maintained XXXX credit card ( account XXXX ) in my name, that occurred while I was XXXX on XXXX XXXX XXXX XXXX within the XXXX XXXX XXXX XXXX and XXXX XXXX system. 

First, XXXX XXXX XXXX exceeded the 30 requirement for responding to both your office and me. My complaint to XXXX XXXX XXXX was made in XX/XX/XXXX. My request for your intervention was made in XX/XX/XXXX. 

Secondly, the account information submitted by XXXX, at the XXXX XXXX XXXX XXXX XXXX only proves to substantiate my complaint that a XXXX credit was in fact opened in my name and maintained in my name using my former address, however I was not at my home address and I was unable to remit payments on this credit card, because I was XXXX in both the XXXX XXXX XXXX  of XXXX and XXXX XXXX XXXX XXXX system from XX/XX/XXXX to XX/XX/XXXX. 

Not only did XXXX exceed the 30 day requirement for responding, but it responded with information showing that someone, other than me opened the credit card account. 

Furthermore, this XXXX credit is incorrectly being reported on my credit reports an active account when the account was closed in XXXX. My credit score is now incorrectly being reduced with an erroneous credit reporting from a credit card fraudulently opened and maintained and still being reported as an current debt, when the credit card was closed and written off in XXXX. 

I request your intervention under the Fair Credit Reporting Account of motivating XXXX XXXX XXXX to remove this incorrect information from my credit reports. 

Thank you in advance for your attention to my request. 

Sincerely, 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-02
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I received the following email from WSFS : " We recently sent you a new WSFS Bank Visa Debit Card, equipped with advanced contactless technology. Please note there was a delay in the mailing of your new WSFS Bank Visa Debit Card. If you have not yet received your new debit card, you can expect it to arrive today or tomorrow. We apologize for the inconvenience.

Its important to activate your new debit card as soon as you receive it, as your current debit card will expire today, XX/XX/2023. To activate your new debit card please follow the instructions on the sticker. '' I did not realize that the email arrived 1 day before the card was set to expire and not having received the card on XX/XX/2023 or XX/XX/2023, I tried to use the card at a vendor on XX/XX/2023. The card was declined and when I called to have the Bank honor the transaction, I was told that ( 1 ) replacement card was mailed on 1/5/203, ( 2 ) they can't honor the expired card and ( 3 ) that I should use my business card and then seek reimbursement. I explained that I did not receive any cards and that I did receive an email on XX/XX/2023 that the cards were delayed. I was told it should be there today ( it was not ) and advised to use a business card for my personal purchase. Neither the delay or the unprofessional advise is acceptable for a regulated entity. I had to incur a 3 % fee to use my credit card because WSFS did not send me a replacement card timely and refused to honor a point of sale transaction. I ask for reimbursement of {$8.00}.

Moreover, when I later stopped by a branch about this problem, I was told that many customers have come in with a similar issue i.e. that the debit card was not working.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive been waiting so long to get updated payment count. Before loan was transferred it was at XXXX and not it is at XXXX.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: NC
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my credit report that is erroneous and I feared that it may reflect a negative impact on my scores if they remain. I need these items to be removed or blocked : 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 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 Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation