BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ccordance with the Fair Credit Reporting act. The List of accounts below has violated my In accordance with Fair Credit Reporting Act the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 2023-03-23
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX  they said that I owe them {$59.00} because I'm late on my service but I have never had service with them. I already made a dispute with the credit bureaus and I talked to I.C. SYSTEM and they said they cant solve anything for me because their system says I owe them and thats final.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX Opened : XXXX XXXXXXXX XXXX Balance : {$93.00}.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX and I am submitting this CFPB complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I am referring to the following accounts : XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$300.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$18000.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$560.00} XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$99.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$1200.00} XXXX XXXX  Opened XXXX XXXX, XXXX XXXX {$18000.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1500.00}

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX XXXX Balance : {$28000.00}

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 2023-06-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my deceased mothers account I have visited 3 times and called once. Each time I am told a different set of requirements. I have submitted death certificate and order from the probate court. To no avail. It appears to me they are purposefully making difficult to close this account to keep account at a very low rate. .05 %. Feel unfair.

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 2023-03-29
Company: FIRST CITIZENS BANCSHARES, INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I attempted to open a XXXX XXXX account at CIT Bank ( a division of XXXX XXXX ). I navigated to their website XXXX XXXX XXXX and filled out the required information. I am a US citizen in good standing with all of my other financial institutions. 

Upon completing the very basic online form ( where I provided contact information and SSN ) I received the following response : " Unfortunately, we are unable to open an account for you at this time. Thank you for your recent application to CIT Bank. We regret to inform you that after a through review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. '' No explanation for my rejection was given. I called CIT at the number listed on the rejection page, XXXX. After waiting on hold for 15 minutes the system disconnected me. I called back and this time elected to have them return my call when available. 

I received a call back from the automated system at XXXX XXXX and was quickly connected to a representative, XXXX XXXX Our call lasted 6 minutes, 46 seconds. Below is the summary of our conversation : -I described the problem and asked why my application for a new account was denied -He looked up my application and successfully found the record of my application -He informed me that it was an " auto generated '' rejection and that there was no way to know why I had been rejected by the system -I questioned him on that and informed him refusal to give a reason was likely a violation of the Equal Credit Opportunity Act ( ECOA ) -He stated that " CIT was a big bank and would never do anything illegal '' -He also stated that " this issue has come up many times before and whenever he has tried to elevate it, all he got from management was the same response '' -He informed me that the auto-rejection was unable to be appealed and no explanation was available. 
-He reviewed my application information with me to ensure nothing was entered in error-it was not. 
-I asked if I could reapply. He said yes.

-I ended the conversation and informed him of my intent to file a complaint. 
-Later in the day on XX/XX/XXXX I filled out the form again and received another rejection from the system with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: ALLY FINANCIAL 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights to privacy and confidentially under the 15 USC 1681. XXXX Account XXXX XXXX ( 30 days late XX/XX/XXXX ) and Account XXXX XXXX ( 30 days late XX/XX/XXXX ) has violated my rights. 

XXXX5 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My wife received a phone call from a spoofed XXXX # to her cell phone at approximately XXXX ET on XX/XX/23. The number appeared as XXXX. XXXX also stated " BANK OF AMERICA. '' Bank of America 's legitimate # is XXXX. Coincidentally, my wife had lost her Bank of America debit card earlier that day and assumed she was receiving a call about potential fraudulent activity. 

The impersonating agent that spoke with my wife identified himself as XXXX XXXX from XXXX, Texas and provided an employee ID # : XXXX. They even have a fake XXXX Profile : https : XXXX The impersonating agent claimed that my wife 's Bank of America account was used to make an {$800.00} XXXX purchase and also a {$3500.00} transfer. The agent claimed they were able to stop the {$800.00} XXXX purchase in time, but that they needed her to setup a XXXX recipient to get the {$3500.00} transferred back to herself. They led my wife through steps to create a XXXX recipient ( as herself ) through her Bank of America mobile app, then transferred {$3500.00} to the recipient ( thinking it was herself ). 

We opened a claim with Bank of America less than 2 hours later at approximately XXXX ET. Regulation E of the Electronic Fund Transfer Act protects for unauthorized transfers ( 12 CFR 205.6 )

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 2023-04-05
Company: ALLY FINANCIAL 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:
I Feel Like I Was A Victim Of Hard And These Hard Inquiries Are Messing My Credit Up

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 2023-07-15
Company: OneMain Finance Corporation
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was expecting to pay off my loan today that was quoted to me on XX/XX/12 that my payoff was XXXX. And a XXXX XXXX To day when I called 2 days later. I was being charged {$300.00} more than quoted previously. Due to finance charges- I was not quoted finance charges when I asked for my pay off amount 2 days ago. I asked to have them reversed so I can be done with the loan and the rep XXXX said no its a financial charge. I find this to be a shady practice as I was given my pay off 2 days ago not expecting another {$300.00} to be tacked on. If I was give a payoff price I should have had that be done with my loan not extended by XXXX. I want to dispute this charge as XXXX then quotes to me that the payoff would be {$310.00} on Monday! Seriously! How does that work if they added {$300.00} in 2 days and then the next 2 days they will be adding only {$11.00}? No! Please reverse all charges as I have payd them completely off as of today. All funds were paid in full as quoted by previous staff and the original life of the loan included late fees. Junk financial charges should be removed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: ALLY FINANCIAL 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:
I Have Few A Few Inquiries That I Dont Recognize And I Need Help Taking Them Off My Credit

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 2023-04-06
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX there was a change in banks that serviced an existing credit card. The new bank " Comenity Capital Bank '', sent me notice and a new credit card, but did not send me their initial invoice. I only found out that there was an outstanding amount when my card was denied at a vendor. Starting XX/XX/XXXX and continuing for several months, I called the Bank 's customer service three times. Each time, the representative told me that the late fees and interest were removed. But after each call, in a matter of weeks, the amounts plus additional interest were put back on the account. I also wrote letters to the bank 's CEO, XXXX XXXX notifying him of the issues and asked him to have someone remove the unwarranted charges and cancel my card. On XX/XX/XXXX I received a letter from Comenity stating the credit card was cancelled, but that the late fees and interest were still due. It appears that they are either unwilling or unable to correct their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sent a signature card paper w/ Signature stating XXXX XXXX Didn't send Documentation Government I.D Copy or Social security Number/ Address on Signature Card isn't mine Wrong XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Phoenix Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter on XX/XX/XXXX from Pheonix Financial Services stating that I owed {$800.00} for a debt that was owed to XXXX XXXX XXXX. I disputed that amount because I was pretty sure the debt was paid off. They then sent me a letter back stating that the debt was accurate on XX/XX/XXXX. 

I called XXXX Customer service because at the time of the service XX/XX/XXXX, I was a XXXX employee, and it should have been covered under my insurance. Unfortunately, the rep I was working with couldn't find the claim because it was an old one archived from XXXX. The member also stated that the company is supposed to send three good faith efforts to try and contact you before sending it off to collections, and I didn't receive a single one. Also why are they contacting me about a debt from XXXX when it's XXXX? The rep suggested I contact XXXX No Suprises and I left a complaint with them, but they stated that since the claim was from XXXX that I didn't qualify and suggested I leave the complaint with you. 

The rep I spoke with was named XXXX XXXX with XXXX and the reference number she gave me was XXXX. You may contact me back if you need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 non-monetary relief