BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
In early XX/XX/2021 I sold my lease car to a dealership I completed all the paperwork. The dealership reached out to Ally to obtain payoff amount and remitted payment. A payment in the amount of {$24000.00} was applied to the account around XX/XX/XXXX. That appeared to satisfy the balance and close the account out. Unbeknownst to me or the dealership, Ally move those funds, or reallocated those funds and debited the balance amount back to the account. No one from Ally contacted either myself or the dealership about the adjustment. A few weeks later I received an email from Ally requesting payment. I pulled up my account online and saw where the funds had been reallocated. I contacted Ally and they informed me the balance received with not the full amount needed to satisfy the loan. There had been some sort of miscalculation. I asked if they had contacted the dealership and they responded no. I asked why someone didn't contact me and I was advised that they do not have the manpower to contact either the dealership or customers and instead wait to hear from the dealer or the customer. I told them this was a poor business practice and customer experience. I advised them I would contact the dealer but that this issue should not report negatively on my credit bureaus as a missed payment as I've done everything I was instructed to do and then I was informed that they had checks and balances in place to avoid that, but in the off chance that it does it will be corrected. Consequently the dealership remitted another {$600.00} which appeared to satisfy the amount due and the balance was paid in full. I again called Ally to confirm payment and brought up the concerns about incorrect, negative reporting and was again assured it would be corrected. Several weeks later I received a letter regarding regulation XXXX, I knew something must have been reported to my credit bureaus. I checked both XXXX  and XXXX  and sure enough a delinquency was reported for the month of XX/XX/2021. I need this correction to be made immediately as I was assured this would not occur. I am in the process of refinancing my home and this has created an issue. Poor customer service.

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: Self Financial Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute late payments listed on my credit report that is reported in XX/XX/2021. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments attached in document.

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX-Opened XX/XX/XXXX {$200.00} My report for XXXX and XXXX is show 2 different reporting. XXXX is showing my account was late in some months and XXXX is showing never late. I reported it and nothing was change. It took them more then 30 days and still disputing. Which one is right? How can I have two different reporting when it's the same account. 

XXXX XXXX- opened XX/XX/XXXX {$1700.00} My XXXX is showing the last payment on XX/XX/XXXX and XXXX is showing XX/XX/XXXX. Then XXXX is showing the account was never late, but XXXX is showing it was late. I told them this account is fraud because I had to close my bank account because of this fraud account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Nationwide Recovery Systems, Ltd
State: LA
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: Other problem getting your report or credit score

Complaint:
Earlier this year, 2021, I was bombarded with anonymous phone calls to my home with demands for payment for an overdue bill from a company identifying itself as Nationwide Recovery Systems. I repeatedly requested that they send me paperwork to validate these claims. But, I received nothing in print to verify this company 's claim. I can prove that I have received nothing from this company as my room mate has USPS photo monitoring of our address. If they refuse to validate this claim, how am I to know if they have a valid claim. Just recently, when I attempted dispute this claim via XXXX XXXX, XXXX dropped my credit rating from XXXX to XXXX! How can they do this if the Nationwide Recovery Systems, Ltd.refuses to validate their claim? Through XXXX XXXX I keep a phone log, but Nationwide Recovery Systems , Ltd. doe not identify their calls. How am I to know that their calls are not from scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NJ
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: Other problem getting your report or credit score

Complaint:
Creditor is trying to pull my Equifax credit report and says that my credit is frozen and I know for a fact that its not. I called Equifax and they stated that my credit is not locked and I need to mail in proof of my identity to resolve this issue. I have completed multiple disputes within the past 30 days and I did on over the phone verification and I uploaded my drivers license, social security card and utility bill to the Equifax and still they wont release my credit report to the lender. Why do I have to keep sending my identification? I uploaded it in their system, and I overnight mailed it to the office in XXXX, XXXX Why cant the creditors pull my credit. I NEVER gave Equifax the authority to block my credit profile. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NY
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:
Company removed one of the 30 day late payments but not the one that was disputed. The 30 day late payment in XX/XX/XXXX was paid and all evidence shows it was paid but is still incorrectly on my report as a 30 day late. The company removed the late payment from XXXX but not the one from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I previously file a complaint and disputed unauthorized fraudulent inquiries with Equifax. Equifax claimed they deleted the fraudulent inquiries but the fraudulent inquiries are still on my credit report. I have filled another affidavit with the FTC to remove the fraudulent inquiries. At this point, Equifax is purposely ignoring my documentation. I will sue Equifax for deceptive practices and willful noncompliance if the fraudulent inquiries are not deleted in 7 days by XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX and XXXX are completely reporting different information. Over the years I have noticed that it is becoming worse and worse. They are not in alignment with the law, they report information that one has and the other does not. they report dates that are not there, amounts that are not there and account that are not even on anyone Elses reports which seems like fraud. I have highlighted all violations in yellow and listed them below. 

XXXX has XXXX XXXX XXXX listed with a closed collections remark with the amount of {$750.00} XXXX does not have this account even listed on my report. This should be removed immediately. VIOLATION XXXX has XXXXXXXX XXXX listed on my report. XXXX does not. This should be removed- VIOLATION. 

XXXX has inquiries listed : XXXX XXXX XXXX XXXX XXXX 3 times- XXXX does not have any of these listed on my report- VIOLATIONS ( 4 violations ) XXXX has XXXX XXXX listed under inquiries- XXXX does not have this listed on the report- VIOLATION. 
EXPERIAN also has very different information and should remove anything that is not already listed on all three reports. 

Lastly, XXXX has XXXX XXXX listed under Auto-loans. XXXX DOES NOT have this listed on any report belonging to me and neither does EXPERIAN. This is a VIOLATION. and should be removed completely. 

So many violations with XXXX, XXXX AND 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 2023-08-03
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:
I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX I Have 1 date of birth XX/XX/1964 I have requested over 10 times to have my correct information up dated and all 2 credit bureaus have failed to correct my credit reports with my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
My name is 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 2021-08-10
Company: EQUIFAX, INC.
State: AZ
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX I notified our mortgage company XXXX XXXX  that my husband had passed away on attempted to make a purchase from XXXX XXXX which was denied I contacted XXXX XXXX credit card and was told that on XX/XX/21 they received notice that I was deceased so they closed my account I provided them al my info at which time they reopened my account but would take 30 days and I should call equifax since they are the one whom notified them I called spoke with them they filed a dispute and all in one day filed it investigated and closed it they sent me by mail a notice that they corrected it and I was no longer marked as deceased. Not sure if date but it was in XXXX I received notice that my homeowners insurance for my XXXX  home had been cancelled due to me being deceased I called my insurance agent he contacted XXXX  and told them I was not deceased so they redid my policy using equifax for score and since they didnt show one on me my insurance policy cost me double the amount causing a shortage in my escrow account. 
I again called my mortgage company at least 4 times and finally this time is when o was told that they are the ones that made me deceased and not my husband and they are the reason for all of my headaches I was again told to fax the death certificate to their research dept so they could fix the problem. On Saturday XX/XX/XXXX I received a call from XXXX  at XXXX telling me that they have fixed everything on their end and that credit report will go out to equifax on the bill XXXX and they will make correction on their end then today the XXXX of XXXX I received a call from XXXX at XXXX tell me that it will be at least 60 - 90 days before this mess will be fixed because the previous person at XXXX told me to refax my husbands death certificate and it caused another dispute to be open!!! This has made my life a nightmare can you please help to get me??? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/21, the District of Columbia Department of Employment Services mailed me a check for {$6000.00}. The check states in all caps " VOID AFTER 180 DAYS. '' I deposited this check in my XXXX XXXX XXXX XXXX account on XX/XX/21. On XX/XX/21, XXXX XXXX removed the funds and sent me a letter, stating that Wells Fargo ( the bank used by the Department of Employment Services ) declared the check " stale dated. '' XXXX XXXX told me to contact Wells Fargo, and Wells Fargo will not speak with me because I am not the Wells Fargo account holder. The check was not " stale dated '' because it was still well within the 180 day window. This check should have been honored, and I have been charged a {$15.00} fee and am experiencing a lot of XXXX  because of this.

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 2023-08-03
Company: EQUIFAX, 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:
My name is 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 2023-08-03
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Block, Inc.
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Someone stole my cash app card on XX/XX/2023, I notified them and reported my card stolen. I disputed the transactions because cash app would not cancel them while they were pending. Cash app immediately denied the disputes four times, told me I am committing fraud and refused to return my money. When you call them they ignore your request and concern and hang up on you. The charges were from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX again in the amount of XXXX. This has been scary for me. I need assistance with getting them to honor my dispute and refunding my money. I have contacted them over 30 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Account information incorrect

Complaint:
I disputed XXXX  XXXX/Account XXXX and XXXX XXXX XXXXXXXX/ Account XXXX on XX/XX/2021. The reason why I'm disputed these account is because they are reporting inaccurate on my credit report. Yet Equifax has done nothing to change this. I dispute these accounts 4 times and still got no change. Equifax say its verified but I provide the correct information several times that is not correct. Activity is reported after these accounts were closed. This is a violation of the law and is incorrect on both these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: I.C. System, 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:
Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that IC SYSTEM the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.

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