BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: ALLY FINANCIAL INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.

Company response to consumer: In progress
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: PA
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 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Transunion, You are in Violation of the Law. YOU ARE WILLFULLY NON-COMPLIANT. I AM A FEDERALLY PROTECTED CONSUMER AND I RESERVE THE RIGHT TO PRIVACY. YOU HAVE A GRAVE RESPONSIBILITY TO UPHOLD THIS! YOU MUST RESPECT MY RIGHT TO PRIVACY. I UNDERSTAND THAT YOU ASSUMED A ROLE IN ASSIMILATING INFORMATION ON ME A FEDERALLY PROTECTED CONSUMER!!! ***IN ADDITION, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Pursuant to 15 US 1681a ( 2 ) you can not report any information solely as to Transactions or experiences between the consumer and the person make the report. I am the consumer and Person is the cooperation. You have reported a collection, Derogatory and a Charge off on my consumer report. Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. Collections, Derogatory and Charge off are Transactions and Experience this is a violation of the LAW. Pursuant to 15 U.S.C. 1681 Congressional Findings and statement of Purpose ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibility with fairness, impartiality and a respect to the consumer right to PRIVACY. YOU MUST RESPECT MY RIGHT TO PRIVACY. YOU NEVER HAD MY PERMISSION TO REPORT THESE THING ON MY CONSUMER REPORT WHICH NOW IS NOW CONSIDERED FRAUD!! Please reinvestigate and delete the following accounts as they are violating my privacy - XXXX XXXX XXXX XXXX XXXX Account # XXXX. 
XXXXXXXX XXXX # XXXXXXXX. 
XXXXXXXX XXXX # XXXXXX. 
XXXX # XXXXXX. 
XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXXX XXXX XXXX XXXX # XXXXXXXXXX

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 2022-08-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I called to report my bankruptcy charge was incorrect on the date of discharge. Then I was told my name was incorrect on the file, when I tried to correct it I was told a run around statement. Starting with them telling me they got my information from reporting agencies and then telling me to correct it by sending in my DL copy and SS card copy. After being a victim of a data breach I do not feel comfortable with that and also told them that my creditors had my name right and they needed to fix there problem. After fighting with a supervisor over this that had broken english, he then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
An application for a Chase credit card was submitted without my knowledge. When speaking to Chase they could tell me that the application was filed on XX/XX/2023. It was declined. I would like the hard inquiry removed from my report.

Company response to consumer: In progress
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-08-29
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have wrote to Sage Stream LLC to put a security freeze on my Sage Steam credit report. and for Sage Stream LLC to send a confirmation letter when it is file. I am yet to receive a confirmation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX XXXX XXXX, someone who is not me was able to open up a credit card under my name, email and home address. They spent over {$200.00} at Children 's Palace. I received an email of these charges and notified Children 's palace in which they cancelled the order. I had just changed phone numbers in XXXX XXXX XXXX because I was constantly getting spam messages, emails and calls. Then i received an alert from XXXX XXXX that a new line of credit had been added. I HAVE NOT HAD AN OPEN CREDIT ACCOUNT SINCE XXXXI was able to sign into the online account of Childrens whatever because they signed up with my XXXX and old phone number. From there I was able to see the name and address of criminal who is impersonating me and using my credentials to open accounts. i have reached out to all three credit bureaus and put a freeze on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We were recently in the COVID loan forbearance and worked with our service provider to do so. This ended in XXXX of XXXX and our first payment back on track was on XXXX of XXXX. I have now made 3 continuous payments and am having trouble making the 4th. When inquiring deeper I find that there are additional charges on my account and the servicer is asking me to make an additional payment of {$390.00} for recording fees surrounding a loan modification that never took place. The outstanding balance was simply supposed to be put on the back end of the loan. When I call to get answers I am given the run-around and am not allowed to speak with a supervisor. I am afraid this will be extended and put myself and my family in danger of falling behind on payments and having further issues. I have been sent numerous notices about having my home foreclosed on but am not able to get any answers when I call in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: ZuntaFi Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
THis loan is based off of fraud the medical company XXXX XXXX XXXX XXXX sells fraudulent services. Marketed at men with XXXX XXXX. THey don't have a set price for there service they ask a series of questions including what your annual income is and they charge you based on your income rather than for the service. ZUntafi provides the loan and they are well aware of the deceptive practices because they would have had to vet the company before agreeing to provide financing for their services. 

Charging different prices for the same service violates the law. 

Zuntafi is reporting this fraudulent account to the credit bureaus. It needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I decided to request all my credit reports from all XXXX credit bureaus. I noticed that there was an account on the report from Experian that I knew nothing about from XXXX, XXXX XXXX XXXX. They were reporting that I had an account that originated on XX/XX/2020 with XXXX XXXXXXXX for {$520.00}. I didn't recollect visiting the XXXX at all. As a result, I decided to check the claims submitted to my insurance company for the last XXXX months as well as any payments made from my XXXX account to verify that I had paid a visit to the XXXX on that date. I found nothing. I had not visited a XXXX at all. I decided to dispute the charge and while awaiting the results look into this company. I found many complaints about this company and their reporting of incorrect information as well as not working with consumers to correct any issues. When I received an update about the dispute saying that the company verified that the debt was mine ... I was floored. My first time ever hearing anything about this collection company or alleged debt was when I viewed my Experian credit report. It's not on the reports from the other credit reporting agencies. I called Experian and asked what documentation was presented and was told none.Which is unbelievable and believable at the same time. I haven't received any documentation nor have I ever been contacted by this company. I was told to contact the company or to upload documentation to prove it's not mine. Of course I am afraid to do so because attempts by others only resulted on frustration and I don't want to provide them with any of my information out of fear. I have reached out to what is now known as XXXX  and was known as such at the time of this alleged incident to try to get answers. It's unsettling to know that a debt collection company can report whatever information they want to credit reporting agencies without documentation. This is not my debt and I would like it to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified XX/XX/2023 that DIVERSIFIED ADJUSTME {$100.00} Was placed on my report, I have not received anything in regards to this collection. This is a fraudulent account please remove off of my report. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
AMEX REPEATS PHONE CALLS ON A DAILY BASIS PRIOR TO XXXX AM AND AFTER XXXX PM. EVEN AFTER SPEAKING WITH SOMEONE. THEY ARE SUPER AGGRESSIVE AND REPORT CONSTANTLY ON CREDIT. 

DATE OF OCCURRENCE PHONE NUMBERS AND TIMES ARE LISTED BELOW. 

XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX FURTHERMORE, THEY TRIED TO PUSH ADDITIONAL PAYMENTS ELECTRONICALLY TO MY BANK AND WERE RETURNED NSF. THESE ADDITIONAL PAYMENTS WERE NOT AUTHORIZED AND I INCURRED ADDITIONAL FEES AS A RESULT OF THESE AGGRESSIVE NON-AUTHORIZED ATTEMPTS TO COLLECTION ADDITIONAL PAYMENTS. THIS IS COMPLETELY UNETHICAL!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2023-06-09
Company: Experian Information Solutions 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 


Please remove this account : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}

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 2023-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid XXXX in full in 2020 and its still reporting on Equifax negative. All the other reports stopping when I paid 2020

Company response to consumer: In progress