BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is written in reference to Equifax Credit Reporting Agency. I feel my federal rights are being violated in regards to credit reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from this company. When someone is a victim of wrong information being put on their credit file, it is simply a nightmare trying to get inaccurate/misleading information removed from a credit file.I have contacted all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit, documents with my signature constituting obligations that I have entered into business with them and etc. I asked for proof of the alleged debt from creditors. So far none of them has been able to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, how is Equifax stating accounts are " Verified '' on my credit report. The letters I receive from Equifax states accounts " Verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their dadatabase is no sufficient verification of information. I prepared to sue Equifax for being such a pain in the posterior to me. I provided more than enough proof to hsve accounts in question removed since my first dispute XXXX 2014. The accounts in question remains to be particularly XXXX XXXX, XXXX, XXXX duplicate XXXX XXXX account with slightly different account numbers, and University XXXX XXXX. Please assist me in anyway possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. The bankruptcy trustee did not pay the real estate taxes on properties in the estate and the liens have been recorded against my personal credit although they were not my liability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
ther are XXXX collection account from XXXX # XXXX and # XXXX, both are paid by my ins XXXX and XXXX, whatever aproved billing, it should be removed from my report, and another one from XXXX hospital which was paid # XXXX, shhould also be removed, and last one is fromXXXX XXXX # XXXX do not belong to me, this should be removed too

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ally Bank advertises that it offers XXXX payment services but does not instantly transfer the funds. On XX/XX/31, I needed to move funds from my Ally savings account to my own account at another bank. To avoid the delay of a regular bank-to-bank transfer, I made a XXXX payment to myself XXXX which according to XXXX terms and Ally 's website would appear instantaneously in my other account. XXXX did not seem to be working on Ally 's online banking site, so I had to call in to Ally 's customer service to effectuate the XXXX payment. The customer service representative recognized that I was making the payment to myself. Ally withdrew the funds instantly from my savings account, but delayed sending the funds for two days. Hence my supposed XXXX payment was no faster than a regular transfer. Ally benefited from instantly removing the funds from my savings account, because Ally could then earn interest on the funds and avoid paying ME interest on the funds. I lost interest on the funds altogether, in both accounts. Ally is deceiving consumers by offering XXXX but unfairly failing to carry out payments properly.

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 2016-04-26
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A foreclosure action has been filed in Florida against my property by XXXX, whose trustee is XXXX XXXX XXXX XXXX, XXXX, not in its individual capacity but solely as trustee. 
The Delaware Secretary of State has issued a certificate of " NO RECORD '' for XXXX. The Delaware XXXX Title XXXX Chapter XXXX requires a certificate of trust to be filed with the Delaware Division of Corporations. In SEC filings XXXX XXXX I Trust is listed as a trust subsidiary with formation in Delaware yet there is " NO RECORD '' of this trust in Delaware. Furthermore, there is no record of authorization to conduct business for XXXX XXXX XXXX in Florida. 
We demand evidence that that XXXX XXXX XXXX XXXX is a legal entity, along with evidence of its authority to conduct business in Florida. 
Barring such evidence, we demand that XXXX XXXX XXXX XXXX XXXX cease all legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX sold my loan to sn Servicing on XXXX 2015 at the time of this purchase I was current on all payments. I notified SN Servicing for a monthly statement and it showed delinquent payments. I have documented receipt showing all payments made and they are currently being paid for current payment for XXXX 2015. At this I am not giving any payment towards back pay because they have already been made, I would like to resolve this matter asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
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: Their investigation did not fix an error on your report

Complaint:
Disputed accuracy, legitimacy, and proof of furnisher. I contacted alleged Data furnisher and they explained that they do not and did not provide any records containing my personal information. Disputed file with XXXX XXXX, Equifax and XXXX. 
XXXX and XXXX removed file immediately finding it inaccurate and non existing. 

EQUIFAX has failed to remove after several request. 
XXXX XXXX-Dispute in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've disputed these items with TransUnion on several occasions now. These items are over 7 years old. XXXX is reporting an incorrect " First Date of Continuous Delinquency ''. They have extended the reportability of these XXXX listings by an extra 2 years, these XXXX items should have been removed from my credit report on or around XX/XX/XXXX. 

XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$12000.00} Below is a copy of the agreement where it clearly explains the Deferment End Date. In my case, ( ii ) is the earliest of 180 days after the Borrower ceases to be enrolled at the School. It is NOT ( iii ) 2 years after the date of the loan disbursement, as that would be a later date. XXXX has purposely chosen to report this INACCURATELY based on ( iii ) causing this item to report on my file by an extra 2 years!!! 

According to the attached agreement ( XXXX ) the Academic Period was from XX/XX/XXXX-XX/XX/XXXX. I was enrolled for XX/XX/XXXX ONLY ( See attached class enrollment schedule ). XXXX assumed that because it was a XXXX College that the enrollment period would be 2 years. Reportability of these XXXX items should be 7 years from the 180 days after my enrollment period of XX/XX/XXXX, making the Date of Continuous Delinquency XX/XX/XXXX plus 7 years for reporting this to the credit bureaus therefore these listings should no longer be reporting on my credit report after XX/XX/XXXX NOT like they are currently reporting on my credit. 

XXXX is listing the First Date of Continuous Delinquency as XX/XX/XXXX for loan amount {$29000.00} and XX/XX/XXXX for loan amount {$12000.00}. Furthermore, they 've reported different Last date of continuous delinquency dates per the XX/XX/XXXX credit report and the XX/XX/XXXX report. 
These items should have been removed from my credit report based on the FCRA section 605 ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
I 've been disputing these items for 2 years now, the last letter XXXX sent me dated XX/XX/XXXX states that they will not reinvestigate this information again. How can they get away with this inaccurate reporting for 2 years, I 've sent multiple disputes over the last 2 years and made several phone calls! XXXX has re-aged this items and is in violation of the FCRA. 


Enclosures : Agreement XXXX pg & Student Class Schedule XXXX pg

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 2017-01-08
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This company is not being honest with me and is not posting my payments and them they charge me late fees. On XXXX XXXX, 2017 I made a payment of {$250.00} and XXXX XXXX XXXX, I was planning to make a payment of {$250.00} again. I went to see my acc and they are charging me dishonest late payments and they are not posting my payments on time. I have evidence that XXXX does send my payments on time I when I get pay. My payments are devided in half due to the fact that I get pay twice a month. Now they are charging me late fees when my payments are due every XXXX of the month.

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 2022-10-12
Company: Block, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Call me its urgent its many consumers a hacker named XXXX XXXX Has hired XXXX  to hack me steal from my bank and close my accounts And sone very serious things to me Cash app is so bad thry steal and yhrn XXXX talk yo me and call me a liar Please call me this is serious XXXX Thank you Its emergency with yhr hacker she stole my entire identity y Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Can a bank ask me to send them a copy of my social security to verify my identity in the application process for a credit card? 
After applying for a Wells Fargo Bank credit card, I received a letter in the mail asking me to send them a copy of my Social Security to verify my identity or my application would be denied. Due to the sensitivity of this information I see myself in the need to ask if this is legal because in many opportunities the community has been warned not to deliver this information to any agency and I have many credit cards and this has never happened or is it such I am facing a XXXX activity due 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 explanation
Consumer complaint received 2022-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Tearful despondent ..upset. I am a victim of bank fraud. Someone washed my check which I was paying my utility bill with ..applying a persons name payable to and a large sum of money of {$8500.00} was withdrawn from my checking account.. and this happens on the day that I buried my list surviving relative my uncle.. My bank is Citizens Bank. And the check was cashed by XXXX XXXX  XXXX XXXX have been fighting this ..since XX/XX/XXXX I am beside myself I am recently a widow a senior citizen turning XXXX. I need this money to live on I have bills health insurance bills ..I have a mortgage I am beside myself. I called the bank every day and of course they tell me that its still In the escalation department I am so beside myself. I need your help to get my money back this money is rightfully mine. The bank never notified me of this check being cashed. XXXX XXXX. My phone number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Alliance One is trying to collect a debt that is over 16 years through a garnishment in court. They have never contacted me not once about this old debt, however, they are trying to garnish me for a debt that is past the statute of limitations in the state of WA per XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a Consolidated Stafford Unsubsidized student loan that is serviced by Navient Solutions Inc. This specific loan can not be payed-off online. However, whenever I call the customer service number, all payment related questions/requests are routed to the online website or automatic message. Basically, there is no way to speak to someone so I can pay off my loan. This is extremely frustrating and basically does not allow me to pay-off this loan which seems illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
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:
I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Pacific Union Financial, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my name is XXXX XXXX i own the house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my mortage company pacific union out of XXXX.well back in XXXX 2014 i received a letter saying that my escow was rasied XXXX. to XXXX a year for hazard insurance but i called my akin insurance and they said that it XXXX a year but pac union is been charging me for XXXX a year i wrote a letter and spoke with pac. union wont chage it and refuse to refund or correct amt.as my pay ment s monthly has gone from XXXX.month to XXXX a month thats XXXX more a year collected my number is XXXX XXXX central time my mortage number isXXXX..i want to take legel action against them for not honest.and over charging me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted Transunion about a hard inquiry that I did not authorize. Transunion told me I need to get a letter of deletion from the actual company XXXX XXXX XXXX listed. I called that company and they informed me to dispute with transunion to look into the issue. I have gotten the run around from both XXXX and transunion. XXXX told me that they cant find where I made the inquiry but somehow it ended up on my credit report. This is a mistake that I can not get Transunion to look into. XXXX repeatedly told me that they do n't give deletion letters. Transunion told me they ca n't do anything about the removal of the inquiry without the deletion letter. I am lost and do n't know what else to do.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: AZ
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/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2022-10-12
Company: Experian Information Solutions Inc.
State: MN
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 was reviewing my Credit Report and noticed some Hard Inquiries that I do not recognize. Can you please remove these from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-09-20
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Ally Financial made me the primary borrower on a loan that I co-signed for a XXXX gentleman. When he got behind the vehicle went out for re-posession without me being notified. When I found out, I took possession of the vehicle with XXXX miles and contacted Ally. I was assured by Ally that if I paid off the vehicle and late fees for over $ XXXX they would issue release in my name. The buyer has since left town and the release was issued in both our names, leaving me no way to dispose of the vehicle. Ally refuses to re-issue the release after apparently committing racial discrimination and 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 2017-01-16
Company: ALLY FINANCIAL INC.
State: AR
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened an account with Ally bank. I made an initial deposit of XXXX. I established my online access. After less that a day, my account was locked for security reasons. After XXXX days of calling and talking to different people, I was informed my aunt needed to send a copy of my ID, SS card and a utility bill to an address that started with fraud. I never have been able to get an answer from anyone. No one has ever contacted me at all regarding this account. I have called the person who requested my informant no less that XXXX times and he refuses to call me back. I asked to get my money back and the answer was " we ca n't refund money until we know who it is going to ''. But the can take my money. I was assured the money would not be taken out of my account until this mattter was straightened out. Well it has been taken. I just would like to get my money back and wash my hands of Ally Bank

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