BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX Ally Auto has blocked my account from making any online payments. There was an issue with one of my banks which resulted in returned payments from Ally attempting to debit the account several times. I had to use a different account that Ally successfully received payment from. On XX/XX/23 I attempted to make a payment online at I was locked out of my account and was unable to get back into the account until XX/XX/23. Since then I have been trying to speak with a manager, which Ally refuses to transfer me to as to why my account is blocked from making payments online. I spoke with several reps who said I'm being required to submit certified payments. I've repeatedly stated that I don't have access to that option and asked for additional information, which was also refused. These reps claim that this is Ally 's policy and that my bank blocked my account. My bank did not do this and can not block another company 's account. This policy is not in my contract nor is it on the disclosures on the website. It is illegal to make any changes to a consumer account without proper written notification and as a result of the lack of competency from this company, I have acquired unnecessary late fees and Ally refuses to address my issues. By law, Ally was required to send me notice 30 days before my due date and they failed to do so. At this point, they are scamming customers because this is not a policy included in my written contract or any of the disclosure agreements. Ally needs to unblock my account so I can make a payment or completely resolve my loan before this turns into a legal matter.

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 2023-11-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect personal info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax have 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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 pulled my credit report on XX/XX/XXXX and found a 120 day late payment from XXXX XXXX. Despite that this account shows as 120 days late and is still open you continue to report it the same many days late including last month. Supposedly the alleged account was 120 days late on XX/XX/XXXX which is false because it was never 30, 60 or 90 days late. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to delete this inaccurate item you are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: TX
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:
Accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section states I have the 602A right to privacy.

15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out 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 2021-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is regarding my bank of america credit card. The payment was set to auto pay ... the selected payment option was as follows : You're automatically sending payments for your bank of america personal card e-bill Deliver by : on the due date Pay : statement balance Limit : {$300.00} The bill was not paid. I am told that the above setting is that the bill should ONLY be paid if the statement balance is less than {$300.00}. My interpretation is that this would be autopayed up to {$300.00} of the statement balance. 

This needs to be clarified as it seems to be a system for generating fees for Bank of America and headaches for consumers. 

Further, if you adjust the auto bill pay, they apparently do not implement the changes for a period of time determined by them and not shared with the consumer. 

Every other bank I deal with is fully transparent as to what will be paid and by when. 

I view the above as deceptive practices.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Bank XXXX XXXX XX/XX/2023 Bank XXXX XXXX XX/XX/2023 Bank XXXX XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Fact, I the affiant is aware that and has proof XXXX, Equifax, and XXXX have violated my consumer rights. I the affiant am being violated by law 15 usc 1681g and 15 usc 1681g ( a ) ( 1 ). On Sunday XX/XX/2021 around XXXX I tried to get my 3 free credit reports, 3 free investigative consumer reports, and 3 free credit files but was denied my request. Also, I have made additional efforts to reach out and send a letter to " ANNUAL CREDIT REPORT '' certified mail and notarized it aswell on XX/XX/2021 around XXXX. I am askingthat you help me with this inconvenience and frustration I'm having receiving my request. Please and thank you very much. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: First Advantage LNS 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:
I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.

15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors. 
FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


XXXX XXXX, ****XXXX XXXX***, NATIONAL CREDIT AUDITCO**XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXXXXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2020, I requested an investigation of my credit report. I sent a certified return receipt request letter to Experian. I requested that they investigate the creditor XXXX XXXX and XX/XX/XXXX XXXX XXXX. 
I sent letters to these creditors before and got no response. I checked my credit report on Experian today, and these creditors are still reporting false information to Experian.

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 2023-02-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
In the attached dispute letter to Equifax dated XX/XX/XXXX listed inaccuracies such as a late payment and account information. As a result of the dispute inaccuracies, Equifax deleted the entire accounts in error. Since, I fax to XXXX on XX/XX/XXXX to reinsert the open and active accounts without action or communication. On XX/XX/XXXX, I fax again to Equifax at XXXX, and to date, no action to correct this error, nor have I hear from them to have the open and active accounts reinserted. Since, I called XXXX XXXX XXXX  XXXX and spoke with XXXX and was informed they reported to Equifax on XX/XX/XXXX, XXXX XXXX and XXXX of XXXX. I caleed XXXX XXXX XXXX  an spoke with XXXX and was informed they report to Equifax every Friday. I called and spoke with XXXX at XXXX XXXX XXXX and they last report to Equifax on XX/XX/XXXX. My XXXX  XXXX Auto Financial was not disputed as this is open and active, yet Equifax deleetd the account in error, and XXXX from XXXX XXXX stated they report to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. To date, no action has been taken to correct and reinsert the above listed accounts that are open and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: PA
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:
My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ..XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company never contacted me about this debt or gave any information as to what the debt is for. They are filing it to the credit bureaus daily. XX/XX/1923, XXXX, XXXX, XXXX This company has an employee that doesnt like me and is abusing their job privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: CA
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 These Accounts ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Thaxton Investment Corporation
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have paid over the amount I owed to this company and they use a law firm to tackle on astronomical interest rates so the customer can be in debt they pray on the less fortunate. I have offered to pay XXXX to settle my debt. That is over XXXX dollars I have paid and that does not include the money I paid Heights Directly, They are not clear with their contracts I feel like I have been taken advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: UT
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:
Chase card is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt continues to report on my credit file and continuously updates on my credit file. I have settled this account with them and they continue to report negatively on my credit report. This is inaccurate and this account must be fixed. Reporting erroneously on credit is a violation under the FCRA and reporting invalidated debt on credit could constitute fraud. Please remove this or fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
synchrony bank : my mother died on XX/XX/2020 she was the main cardholder.. care was there only one giving us problems.i found out that just because there was another person on the account just for ermermcy they should not be responsible for the account. they billed my mother. the other person was never concerned until now. according to the credit bureau. the bank has option which they refused to take. 1, they can write of as a bad debt. or they can take 75 percent of what the card is used. or close out the account which they refused to be reasonable. i tried several attempts to make it right, non on her family is reasonable for that debt. she did not own a home or house or have any money. i was told by the federal banks that sycnrony banks should make every effect to make it right. social security says it can take XXXX to six months to declare the person dead. the person they sent is in XXXX her delf in a deep XXXX from the mom passing and can not deal with the bad treeatment

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