BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: ALLY FINANCIAL INC.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had transferred {$1400.00} on XX/XX/2023 to Ally bank through XXXX Bank in search of better interest rates as I firmly believe banks tend to lie about their true interest rate or change it last second, I was happy with Ally until I noticed XXXX XXXXXXXX had offered 4.30 % APY noticing that and recognizing them as a big bank I was questionable and only started with {$500.00} on XX/XX/2023 realizing their interest rate was legitimate I decided to move funds from Ally bank to XXXX XXXX through XXXX as it is a faster method of transfer. I tried and it wasn't working, finally on the third or fourth try I had received a notification saying I'd met the daily limit, something I would've adhered to if I received the first time. Later I had received notice on XX/XX/2023 that they had locked my account, confused I called and asked them to unlock my account. I had done the whole verification process and they claimed it was under review for two days. So I waited the two days XX/XX/2023 I called them in the morning asking to please unlock my account they said that an investigator is looking into it right now and I should receive a call. I never did. I called back in the afternoon and received the same answer that it was under review by an investigator. I think it's ridiculous that I can't just verify my identity and unlock it right now, especially since I told them it was the account holder who was trying to transfer money. I've been told to wait tomorrow XX/XX/2023 to call in the afternoon but I don't have high hopes, I was just trying to transfer money. From a supposedly " Good '' bank now it's turned into a nightmare to get back my almost {$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 2022-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter off on XX/XX/2022 and also tried to dispute it via website. Here is the tracking # 's XXXX, & XXXXTo remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681 I have the right to privacy. Also according to 15 U.S.C 6802. No financial institution is not allowed to share my information to a third party. 

These are clear violations of my federally protected consumer rights. 

I also completed completed a identity theft.gov complaint. Confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
I sent a letter off on XX/XX/2022 and also tried to dispute it via website. Here is the tracking # 's XXXX, & XXXXTo remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681 I have the right to privacy. Also according to 15 U.S.C 6802. No financial institution is not allowed to share my information to a third party. 

These are clear violations of my federally protected consumer rights. 

I also completed completed a identity theft.gov complaint. Confirmation # 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 2022-06-30
Company: T.S. Holdings
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Goal Structured Solutions, LLC
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:
In accordance with the fair credit reporting act XXXX Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy.It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
I sent a letter on XX/XX/2022 to the 3 Credit Bureaus to remove these erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX and this Fraudulent Accounts : XXXXXXXX XXXX  XXXX BALANCE : {$0.00}, XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX BALANCE : {$0.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: MS
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 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 im XXXX n cant provide to my XXXX year old 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 2022-08-22
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this company a certified and registered letter asking for validation of debt. The company produced a bill that was not between me and or their company. The letter was received on XX/XX/21. Since then, I still have not received validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANS UNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX 2.XXXX XXXX 3XXXX XXXX 4.XXXX XXXX 5XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD 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 non-monetary relief
Consumer complaint received 2022-07-28
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:
I accordance with the Fair Credit Reporting act XXXX the following Account numbers have violated my rights : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX U.S. Department of Education - Account # XXXX DEPT OF ED / XXXX  - Account # XXXX XXXX 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 an account without my written instructions.

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 2022-06-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I previously filed a complaint with the CFPB about Equifax and they responded by saying that the information was verified, but they did not answer any questions as to who verified this information and where they got it from and this is the information I requested. My rights are being violated. I have this item on my report and it shouldn't be. In accordance with the Fair Credit Reporting act MN Child Support Enforce 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. This information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: PR
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 XXXX XXXX and Experian to also take notice of my current complaint and response to XXXX. XXXX is just acting with their power and money and everybody else seems to decide to make silence. BUT I AM NOT GOING TO MAKE SILENCE NO MATTER XXXX 'S POWER AND MONEY.

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 2022-07-28
Company: Rozlin Financial Group, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This loan has been sold to many collection agencies without my knowledge!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with 2 account and inquiries I did not authorize

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 2023-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Affirm 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: Account status incorrect

Complaint:
I SETTLED THIS AFFIRM ACCOUNT XX/XX/2022 FOR {$440.00}. I HAVE MADE NUMEROUS ATTEMPTS TO BOTH XXXX AND AFFRIM DIRECTLY FOR THE PAST FOUR MONTHS TO GET THIS OFF MY CREDIT REPORT WITH NO SUCESS. EVERY TIME I CALL I GET A DIFFERENT REP WHO SAYS THAT THEY WILL LOOK INTO THIS AND LET ME KNOW IN 30 DAY THE OUTCOME. EVERY TIME AFFIRM SAYS THE ACCOUNT IS VALID AND THAT I STILL OWE THEM MONEY. THIS IS INCORRECT I HAVE PROVIDED BOTH EMAILS AND A LETTER THAT THE COMPANY PROVIDED STATING THAT THE ACCOUNT WAS SETTLED AND THAT MY BALANCE OF {$0.00}. I NO LONGER OWE THEM ANYTHING. THIS IS VERY FRUSTRATING AS I HAVE MADE GOOD ON MY DEBT. THIS IS HINDERING MY CREDIT SCORE AS IT IS STILL REFLECTING AS A NEGATIVE ACCOUNT. IT FEELS AS AN INJUSTICE THAT NO ONE IS TAKING THE TIME TO READ WHAT THE LETTER AND EMAIL STATES. CONSUMERS BEWARE BEFORE DOING BUSINESS WITH AFFRIM THEY ARE QUICK TO REPORT YOU BUT LACK THE RESPONSIBILITY TO REPORT TO THE CREDIT BUREAU WHEN YOU ARE IN GOOD STANDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America Credit Card refuses to update my balance on my credit report. 
We are applying for a Refinance and can not get the correct information processed./ Please have them to update this now. 
They are showing a balance of {$8700.00}. With refinance every thoussand dollar less provides a better score. 


BankAmericard Platinum Plus Mastercard - XXXX Account Summary Current balance : {$7900.00} Total credit available : {$2000.00} Cash credit line available : {$1000.00} Card Details Total credit line : {$10000.00} Cash credit line : {$1000.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing XXXX Last payment XXXX Last payment : {$100.00}

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 explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, & XXXXXXXX XXXX Account # 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 an account without my written instructions

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 2022-06-30
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from one main financial XX/XX/XXXX for XXXX. I have been paying on this loan for a year and were even sending extra payments, and have not seen any significant decrease in the amount of the balance.I spoke with a representative on XX/XX/XXXX she stayed my interest rate was 27 %. I currently have other loan with a higher interest rate and is able to see a difference in the balance. I would like to make sure the payments and extra money in which I am making are being distributed properly to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my account was overdrawn due to mobile deposit being returned less than 24 hours my account was blocked no reason was given however I called and explained I had no idea the payment would bounce since I was not the check issuer however I was told on XX/XX/XXXX my account was closed and blocked from depositing or any use of app or debit fast forward on XX/XX/XXXX my direct deposit which was more than the amount I was overdrawn was rejected only letter to be forced deposited words used by the bank on XX/XX/XXXX with the bank keeping not only the overdrawn amount which would have made my account positive but also my remaining balance they have since recanted that the account is closed its actually still open and I request it to be closed immediately to prevent any further charges or use on the account theyve refused while also denying me use of the account or my funds there in while telling me bank takes 30-60 to close and issue a check of available funds however this bank has chosen to wait 60 days and hold on to my government funded benefits with no letter of intent nor and authorization from me they have held my money hostage and have an account open in my name after I demanded it be closed I have no itemized list of where my money is or what Im being charged without access they since took additional money from the account and I have no idea what they are charging to this account

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 2022-09-21
Company: LJ Ross Associates
State: MN
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:
A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX  filed the collection against me and sent to collections through L.J. Ross & Associates. I filed a dispute with XXXX, XXXX and XXXX. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. XXXX has not deleted this collection from the credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation