BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: ALLY FINANCIAL INC.
State: FL
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:
Ally Auto reported me tot he credit bureau inadvertently. I did not receive any information of a balance due from Ally. We have recently moved our mailing address and notified Ally of the address change. Nevertheless, they kept sending mail to the old address, which has been forwarded to me by the post office. We even received checks from them of reimbursement of leased vehicles which we had credit due to us, but nothing about a balance due. Ally could have contacted us by phone or by my email ( which hasn't changed for three years ), but decided arbitrarily to report the balance due to the credit bureaus for 90 days! The worst is that I was only made aware of the outstanding balance because the lender of my new house informed me when pulling my credit report. Please note I have excellent payment history with Ally, never missed a due date, since 2019 when my company started during business with them. They even had access to automatic account withdraw for their payments. By Ally reporting me to the credit bureau as delinquent my credit score was affected. THis is unacceptable especially at a moment my wife and I are closing on our new home and this situation has dramatically damaged my credit score while applying for a loan. I contacted Ally as explained the situation and paid the balance due the same day I was informed of the issue. I called back and they verified I had paid the full amount but the supervisor wasn't helpful to remove the derogatory remarks.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called and reported all the companies showing up on my credit report. I have contacted them and tried to resolve the false fraud being reported to my credit report, effecting my score. These places have already violated my consumer rights and sold my information to 3rd Parties. Nothing has been resolved.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: MD
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Trying to get a Credit Report and Score from Equifax.

I have tried to Login to my account that I have had for years. I have tried for over 2 months without any access. I tried to reset my password, Equifax will not let me reset it.

I have tried to open a new account, Equifax wll not let me.

I have tried to get my free Credit Report from a denied credit limit, Equifax will not let me.

I tried to get my Free Annual Credit Report with another website, Equifax will not let me.

Equifax has done this 2 times in the past and nothing works to let them give me access to my Credit Report. Last time I called, wrote letters, had an attorney contact the company and they still did not give me access to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
Unauthorized inquiry from XXXX XXXX XXXX XXXX needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: General Motors Financial Company, Inc.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was charged a higher interest rate on my car loan because of my XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I asked for accommodation and time due to my XXXX XXXX They refused to give me an extension and threaten to repossess the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3 Remaining Negative Accounts. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX BANK, AND TRANSUNION ARE IN VIOLATION OF MY RIGHTS BY REPORTING INCORRECT AND INACCURATE INFORMATION. NOTE THE DISCREPANCIES IN THE TWO ATTACHMENTS. I WAS ALERTED TODAY BY MY MONITORING SERVICE THAT THE BALANCE ON A LONG CLOSED COLLECTION ACCOUNT INCREASED. XXXX HAS NOT PROVEN TO ME THEY HAVE A RIGHT TO COLLECT, THEY ARE NOT REPORTING AS A COLLECTION BUT AS " OTHER '', AND THEY INCREASED THE BALANCE ON A COLLECTION ACCOUNT WHICH IS NOT LEGAL. HOW CAN XXXX CHARGE ME INTEREST? I HAVE NO CONTRACT OR AGREEMENT WITH THEM.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-02-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
After a data breach, I was given a free access to Equifaxs XXXX XXXX XXXX by the breached organization to prevent identity theft. 

As part of signing up, I had no choice but to consent to Equifax sharing my data initially. But the GLBA privacy notice said I could call a certain number to limit some sharing. I called and spoke to 5 representatives - 2 of which booted me to the main phone prompt menu when they couldnt help me, and 3 of which said I couldnt do this by phone. None of them seemed to have training on how to opt out of this affiliate marketing. This privacy notice is therefore misleading and should be revised, with an accurate notice going to all enrollees about how to exercise their rights and stop this data sharing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Oklahoma Motor Credit Company
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Regarding : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OK XXXX. 

XX/XX/2022 I called to make a one time payment on behalf of a family member for {$240.00}. I specifically, and repeatedly advised their rep to not save my information for future payments, and that is was and one time only authorization. The rep reassured that my information would not be saved. 

XX/XX/2022 Another charge from this company for {$240.00} goes on my credit card. Unauthorized. 

The company has refused to refund my money. They have saved MY payment information to collect debt for a 3rd party without permission. This is fraud and unethical debt collection practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Date : XX/XX/2023 Initial Issue : On XX/XX/2023 I got notification that I am not able to login to my account via mobile or using browser. It was giving me generic error. 

Background : On XX/XX/2023 after creating account I transferred {$3500.00} total from my XXXX XXXX XXXX XXXX account. 
On XX/XX/2023 I deposited XXXX checks in my saving account from my new tenants as a part of my rental income. 

Conversation with CITI Bank support center : I checked with CITI bank support center regarding why I am not able to access my account. They first denied to give any information about the blocked account and told me to dial another number. XXXX. 

After talking to the associative they told me that there is issue with the check and thus they have blocked my account. " The checks were totally valid ''. 

I asked them to unblock my account as I can't access it anymore and need that money as it's my hard earned salary. They told me that the only way would be either to go to nearby branch or wait for 60 days to get my money through mail. There was no resolution of falsely blocking and closing my bank account with my funds stuck is a unknown state. 

" There has been no official communication or notification with details regarding why account was closed or next steps. They didn't communicate anything ''. 

Current Situation : There has been no communication and help from CITI bank. My money which is {$3500.00} is locked in their account and they take no responsibility of helping me get my funds. They told me to visit nearby CITI office but there is none in XXXX miles near where I live. 

Regarding Check : I later deposited the same Check with XXXX  XXXX XXXX and it was cleared with no issues.

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 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, My complaint is targeted toward Bank of America. I already have a claim # with the bank ( XXXX ), however, the claim is now closed. I am going to provide a detailed time-lapse of the events that took place : XX/XX/XXXX, between XXXX XXXX XXXX XXXX XXXX I visited ATM ID ( XXXX ) to deposit {$8000.00} in cash to my account ending in XXXX, the machine had an error, none of the money was successfully deposited, thus resulting in the lack of receipt, the cash was spat out by the machine in two separate waves, I was able to take the first XXXX, however, when I reached for the second XXXX, the cash went back into the machine. I called the number provided on the ATM machine immediately that day, however, the representative failed to open a claim despite verballing telling me that she did and for me to wait up to 90 days. On XX/XX/XXXX, seeing that I still havent gotten any response, I called once again, this time learning that the previous representative did not open the claim, I created the claim with this new representative and received XXXX credits while waiting for the investigation. On XX/XX/XXXX, I received the notification that my dispute failed and the bank is going to remove the credit. I called once again on XX/XX/XXXX but failed to reopen the claim. My family has always been excellent customers of the bank, and always maintained good credit. This is our last hope, I have XXXX  kids to take care of and {$4000.00} is a very large sum of money for me. I hope the CFPB can help us see this through.

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 2022-06-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the fair credit reporting act : XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX  bank, acc # XXXX, XXXXXXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX The following numbers do not belong to me please delete the they are not accurate : ( 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, I applied for a personal loan with XXXX. My application could not be approved due to " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. I have made several attempts to contact the creditor ( XXXX ) to ascertain why they were not able to verify my credit to no avail. I have called all 3 CRAs including XXXX LexisNexis and XXXX were frozen several years after learning that I was a victim of Identity Theft. These agencies were reporting incorrect and, fraudulent activity on my credit file that was adversely impacting my ability to obtain new credit. I haven't heard of XXXX until now. As a result, I attempted to place a freeze and Extended Fraud Alert on my credit report with XXXX but was unsuccessful ; the system would not allow me to submit the request stating it was unable to process my request. I even called and spoke to the consumer support department to try to get this resolved over the phone but was advised that I needed to mail in a copy of my identification, SS card, utility bill, etc for verification purposes. The question is, " how can you ( XXXX  ) as a reporting agency report inaccurate/fraudulent information on one 's credit report without first verifying that you are reporting to the correct person? It should not be the responsibility of the consumer to provide proof of identity ; hence, the burden should rest upon the data furnishers to provide accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Since early XXXX I have been disputing inquiries from business agencies I do not recognize. I have contacted each business and they verified they had never received any online application or received personally any personal data from me at their local offices. I asked if it was possible to remove the unauthorized pull and they advised to reach out to credit bureau. I disputed through each credit bureau under section 607. Compliance procedures [ 15 U.S.C. 1681e ] and See also 16 CFR 698, App G-H 69 Fed XXXX XXXX. XXXX ( XX/XX/XXXX ) ( 2 ) Content of notice. The credit bureau only responded with the inquiries will remain for 24 months until deletion date. I have continuously sent dispute letters and they have not promptly responded within the law required time of 30 days. By law if they do not verify the information is accurate by evidence, then under the FCRA they must promptly delete inquiries.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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