BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: EQUIFAX, 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:
- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is XXXX reported XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX / XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking XXXX  per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I live with my son. He was out of work.he is XXXX.We could not pay the rent in XXXX, 2018, and we were threatened with a 3 day notice. 
I was desperate and full of fear of homelessness. I had debilitating nightmares of being on the streets.Im a senior on social security. 
I found CHECK INTO CASH on XXXX XXXX XXXX, XXXX XXXX, and borrowed {$5300.00} from that company. This was going to pay the rent until my son was working again. NOTHING ABOUT THE LOAN WAS EXPLAINED TO ME. Absolutely nothing. I made the loan in desperation. They took the title of my beloved car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: ALLIANT CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday XX/XX/XXXX, I mailed a check for {$500.00} to the State of Michigan for the purpose of playing for state taxes. It appears that this check was stolen out of the mail, and the contents were written over with a new amount of {$5100.00} and written out to someone named XXXX XXXX. I have no idea who this person is nor have I ever made out a check for that large amount and never to an individual. Alliant Credit Union did not flag this transaction and I did not have a notice for this until the transaction was completed on XX/XX/XXXX. I contacted Alliant where the representative stated this will entail a 30-90 day transaction and the bank will consider crediting me this account in 10 business days. This amount stolen from me is so large it is financially crippling to me and I can not wait that long. Alliant Credit Union had an image of this check on the list of transactions for my checking account which I would have attached to this complaint, however this has since been deleted by the credit union.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act Ally Financial # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-03-20
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX account was paid after it was sent into collections-Paid/Closed. 
XXXX keeps reporting I owe them I called XXXX to get my settlement letter and last payment to submit to XXXX and they wont provide the payment statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi there, Thanks for your help solve my issue with Bank of America. I am a self-employed accountant, I opened a personal checking account in BoA in XX/XX/2021 to collect tax and account services fee from my clients during these peak season. In usual, my client send me the services fee by XXXX or using a paper check. Sometimes my client let me give them account number and routing number to transfer money to my account. 
Bank of America closed my account without any warning. They told me that someone sent money to my account using their unemployment benefit account in BOA, the dispute money is {$400.00}. They not only closed my account based on disinformation, but also detained {$400.00} from my account without my permission. They also sent my information to XXXX XXXX XXXX and other agencies so that I can't open a financial account in any other bank. That made my work and life so inconvenience, I felt so frustrated. 
I tried to reach out to the customer service of BoA and XXXX XXXX XXXX to make a complaint, but no one can help me solve my issue. So please help me to contact BoA and let them make a detail investigation. They were very sorry to me when my clients heard this bad news of me, they are willing to prove that the money {$400.00} I got was based on the accounting service I provided. I can provide the client information if you need to make an investigation. 
It's the second time I fill out this form to submit a complaint, I can't reach out to BoA when I submitted a compliant in the first time. I missed their phone call when the first time, but every time is voice box when I tried to call back, no one answered my phone call. 
Due to the pandemic, my clients, who are most of XXXX guys, they are not good at english, they lost their jobs. So that's why they need the people, just like me to provide tax and accounting service for them. 
So I think the BoA 's decision to close my account was based on incomplete and inaccurate information, that's totally unfair to me. I want them to withdraw their decision and notify the XXXX XXXX XXXX and other agencies to remove my bad records. 

Thank you very much in advance, I am looking forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 3 accounts that does not belong to me. XXXX XXXX XXXXXXXX # XXXX, XXXX and XXXX XXXX XXXXXXXX. I have submitted these accounts to Transunion with supporting documents several times and they still send me letters stating that the accounts have been verified. XXXX XXXX with XXXX I submitted to them as well asking to provided proof of ownership I receive nothing.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: OR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2022-03-01
Company: Consumer Portfolio Services, 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: Was not notified of investigation status or results

Complaint:
CONSUMER PORTFOLIO SVC account number XXXX on my credit report was tagged to be CHARGE OFF with no specific date of showing the late status. The payment history is incomplete and with so many errors in the date of last activity, date opened, etc. The entire remarks for this account are a big error. Thus, I am doubting that the Bureaus have conducted a proper investigation. Moreover, I have been sending them written complaints and requests and they failed to give me feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Flagstar Bank, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX XXXX ss # XXXX My DOB XXXX My address : XXXX XXXX XXXX XXXX XXXX OH XXXX I checked my 3 credit report agency XXXX XXXX XXXX and XXXX and I see a collection from XXXX XXXX XXXX in the amount of {$350.00} Belongs to the original creditor Flagstar Bank XXXX according to the detail, the account opened on XX/XX/2019. I contacted Flagstar Bank at XXXX to dispute this collection account, they said that this account belonged to XXXX XXXX and was transferred to Flagstar Bank but I told them that I have no knowledge of this account, I never done business with XXXX XXXX as well as Flagstar. This account is not mine and I never signed anything to open this account unless someone stole my info and fake my signature. Please help me to remove this for me. Thank you so much

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. 
I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. 
I have attached the Bankruptcy Court response below.

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 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy  rights, and would like these hard inquiries removed completely from my credit file :

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 2021-03-20
Company: Bread Financial Holdings, Inc.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
New York and company is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. 
How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted Trans Union and and requested a contract or legal document that binds me to a itme on my credit report because i can Not identify this {$650.00} XXXX XXXX item and they did Not provide me with the information yet say that this item is accurate investigation number # 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 2021-03-20
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: 3rd Generation, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX i contacted XXXX XXXX XXXX because i noticed wrong information reported on my credit report about a auto loan of XXXX was paid in full and the company deleted the account instead of report the correct information its not right that i remain paying of the car and not having any car loan on my credit report in with it was paid off in full in XX/XX/XXXX the company changed their name to XXXX XXXX XXXX with when i started the loan the company name was XXXX XXXX XXXX XXXX i contacted the credit bureaus with the problem then i contacted the company still no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 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 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 non-monetary relief
Consumer complaint received 2021-03-20
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: Public record information inaccurate

Complaint:
There are chapter XXXX bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to XXXX  Transunion and XXXX  regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. XXXX COURT Account Number : 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 2018-09-13
Company: Seterus, 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 information incorrect

Complaint:
My house was impacted by Hurricane Irma. There was damage to roof and interior. The lender, Seterus Inc reached out and offered disaster assistance in the form of a 6 month forebearance. Prior to  accepting the offer I asked several times about how this would impact my credit. I was told that nothing would be reported due to the disaster. During that time I attempted to refinance the property to pay for the repairs. I was unable to get a loan due to the lender not reporting. So I waited until the forebearance plan was to end. Before the end of the 6 month forebearance I contacted Seterus to inquire about the return to payments. I was told that I had options going forward. They told me that if I was to make 3 payments over the next few months that my loan would be adjusted. I made the payments but then Seterus reported me as late 150 days to credit burea. When I called and complained I was told that it would be labeled with a code that showed disaster Irma and this would not hurt credit. My credit score dropped over XXXX points. When I called back I was told that the reporting rules changes. They then allowed me to make 2 months payments ahead and brought my account current and adjusted the loan. However they again reported me as 150 days late. Today it shows as current but due to the negative marks I can not refi my house to make repairs.

Company response to consumer: Closed with explanation