BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was XXXX XXXX and since then had been struggling with keeping up with my bills. I owed {$920.00} to Ally Financial as of XX/XX/XXXX. I cashed out the remaining amount if my 401K to pay outstanding bills I had due to my being XXXX. I made an online payment to Ally on XX/XX/XXXX for the overdue balance of {$920.00}. Unfortunately my bank held my 401K cash out check longer than expected causing the funds to not be available in time for the {$920.00} to clear, causing the payment to Ally Financial for {$920.00} to be reversed on XX/XX/XXXX. I called Ally back XX/XX/XXXX and said I wanted to just pay the remaining balance owed not the outstanding balance of {$920.00} ( my 401K cash out had cleared at this point and funds were available ). The Ally representative said " I can not give you a payoff amount until you bring your account current your account is still showing a balance of {$920.00}. '' He also said " once your account is current call back and a payoff amount will be able to be provided. '' I made another online payment of {$920.00} and that payment did clear XX/XX/XXXX. I called back XX/XX/XXXX and got a payoff amount of {$2500.00}, since they my account was current they were able to provide the payoff amount. I made an online payment for {$2500.00} and that cleared as well. Weeks later I received a letter from Ally dated XX/XX/XXXX stating the balance was paid in full and they provided the original title of the vehicle in my name. At some point after my payoff Ally redeposited the first payment of {$920.00} that originally did not clear on XX/XX/XXXX ( even though I made a payment on XX/XX/XXXX to replace that returned payment AND paid of the payoff amount which cleared XX/XX/XXXX ). My bank returned to me the payment of {$920.00} that was deducted from my account AFTER I paid the payoff amount and received my paid letter with the title. Ally is now saying I owe them {$1000.00}. The account should be reflecting closed and paid in full as of XX/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 explanation
Consumer complaint received 2019-03-19
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2019-03-19
Company: Innovis
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:
To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : # 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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: 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 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 explanation
Consumer complaint received 2018-10-28
Company: 1st Franklin Financial Corporation
State: TN
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 did not authorize these inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the XXXX Credit Bureaus to remove this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete these accounts immediately : 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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXXXXXX, Account : XXXXXXXX XXXX XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXXXXXX 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. 

15 U.S.C 1681c. Section 5a : States that no consumer reporting agency may make any consumer report containing any of the information and 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 2021-04-13
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
Chrysler Capital keeps increasing the balance on my credit report and it was charged off with profit and loss in XXXX. I have made payments in XXXX in attempt to settle but was unable to continue after 2 payments. When I call Chrysler Capital they always have a new balance that never decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: JPMORGAN CHASE & CO.
State: TX
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:
Hello, I opened a dispute due to three fraudulent charges on ( XX/XX/18 ) in three separate amounts of ( {$28.00} ), ( {$1000.00} ) and ( {$850.00} ). I was charge by XXXX for three different amounts in the same day. This is not a normal pattern. My account was not flagged to alert me about these charges, so when I saw them on my statement I filed a charge back and was denied. I do not use XXXX nor do I have one that I set up. After opening up a dispute chase sent a letter informing me the credits provided will be reversed after reviewing the claim because they are valid. I contact chase Bank on XX/XX/18 at around XXXX XXXX and spoke with the fraud department and a young women informed me that because they saw a charge before to XXXX and I did not disputed on my account for that XXXX payment, so this debit was valid. I informed the agent that I have never used XXXX and asked to speak to a manager, but she said one is not available. I am sending this email to have this reviewed, because this is a fraudulent transaction not authorized by me. I do not understand how three charges in that large amount were made to XXXX and I was not alerted by the fraud department. Please review and correct. I really rather not take my business to another bank, but will if not resolved correctly. There are a ton of complaints about the same issue and XXXX fraud online. Please contact me by email or by phone at XXXX. My name is XXXX XXXX. 

Thanks Charges below on XX/XX/18 to XXXX. 
{$1000.00} {$850.00} {$28.00} Claim number : XXXX Card ending : XXXX Account ending : XXXX XX/XX/18 : Spoke with an agent from XXXX XXXX TX with the name XXXX at XXXX XXXX. He stated that the information they provided was my address and name, which if my card is number is stolen they have that information because. Then he stated they sent an ip address which is in the XXXX and I stay in the XXXX. Which is no where near me. He stated that since it was close to me that I am responsible for the charge and then stated that there was more information and I asked him to send it to me and he hung up the call right away and did not contact me back. 

XX/XX/18 : Called back about XXXX and spoke with XXXX . Informed of situation about the guy hanging up and she did not apologize nor had a concern at all. She stated a manager will call me back and she will send the proof. She lacked any kind of empathy as if she cared or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28
Company: ALLY FINANCIAL INC.
State: TN
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 dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.

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 2018-10-28
Company: LEXISNEXIS
State: ND
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 have contacted LexisNexis about a bankruptcy appearing on my credit report from XX/XX/2010. I asked the rep at LexisNexis how they verified this account as accurate, and he stated that they obtain their information from public records and sell it to the 3 bureaus ; XXXX, XXXX, and XXXX for profit. Under the FCRA laws, LexisNexis MUST obtain their information DIRECTLY from the ORIGINAL CREDITOR of the account, or it should be deleted from my credit report immediately. As you can plainly see in this letter which I have included from the United States Bankruptcy Court in XXXX, ND, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If LexisNexis is not verifying this account information with the ORIGINAL CREDITOR, they are in violation of FCRA laws, and this bankruptcy should be deleted from their records and from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: DISCOVER BANK
State: CO
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:
XXXX - repeated issues and internet communication with the XXXX XXXX  AND MALWARE PROGRAM Representatives. 

XX/XX/XXXX - I CANCELLED AND UNINSTALLED THE PROGRAM ON MY XXXX XXXX XXXX. MY LAPTOP WORKED PROPERLY AFTER UNINSTALLING THE XXXX PROGRAM. 



XX/XX/XXXX - I RECEIVED A DISCOVER CARD LETTER DATED XXXX XXXX THAT DISPUTED MY DISPUTE OR MY PROOF OF CANCELLATION AND NO USE OF XXXX. 

XX/XX/XXXX - I SPENT 32 MINUTES TALKING WITH A REPRESENTATIVE NAMED XXXX WHO ANSWERED SOME QUESTIONS ON THE MICROSCOPIC CHARGEBACK OF THE {$130.00} XXXX. SHE SAID " 3RD PARTY ACQUIRORDER AND RECURRING CHARGE. SHE SAID DISCOVER NEEDS CANCELLATION CONFIRMATION FROM XXXX. '' XX/XX/XXXX - I PAID DISCOVER CARD {$64.00}. 

XX/XX/XXXX - MY LETTER TO DISCOVER CARD REGARDING THE XXXX LAB {$130.00} PROOF OF CANCELLATION. 

XX/XX/XXXX - DISCOVER DID NOT APPEAR TO UNDERSTAND I HAD CANCELLED THE XXXX XXXX XXXX PROGRAM. 

XX/XX/XXXX - IT DOESN'T TAKE A XXXX LAWYER TO SEE THIS ITEM WAS CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account status incorrect

Complaint:
PennyMac Loan Services LLC reported to the three credit companies a 30 day late/ non payment for the month of XX/XX/2022. While they are in a current dispute. This reporting of a missed/ non payment was falsely reported. because the dispute was sent to and received by PennyMac Loan Services LLC long before the standard, and legal15 day late payment grace period. The dispute was sent out XX/XX/2022 certified mail and was received by PennyMac Loan Services LLC on XXXX XXXX which stop all reporting of any late or missed payments fro that month and moving forward while the dispute is ongoing. Subsequently PennyMac Loan Services LLC hired XXXX XXXX XXXX XXXX. to illegally file a Civil Complaint for a Foreclosure while still dealing with a ongoing unresolved dispute of contract. PennyMac Loan Services LLC has ruined my credit and violated the 15 day late grace rule, They also are practicing abusive and deceptive debt collection, as cited by 15 U.S, Code 1692 ( a ). Also they are in violation of 1006.18

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 14 XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-06-10
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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 14 XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX, DEPT OF EDUCATION/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 Inquiries : 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 explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation