BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
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 2022-05-31
Company: ALLY FINANCIAL INC.
State: MI
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 opened a complaint with CFPB, however the issue was closed without reviewing the complaint. The company responded with an original contract which was 'not ' my complaint. The complaint is related to the debt being too old to be on my credit 'AND ' when I filed a dispute about it on XX/XX/XXXX, the company updated the record reducing the owing balance by {$1.00} to manipulate the system to cause my credit to drop over 45 points. 

Complaint # XXXX : On XX/XX/XXXX, I submitted a dispute through XXXX XXXX and XXXX for an  Ally Financial account on my account that is too old to be on my report. On XX/XX/XXXX, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by 45 points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-05-09
Company: EQUIFAX, 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:
I XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report, I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Harpeth Financial Services, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is the third time I have attempted to make a complaint about Advance Financial in  regard to an installment loan account that was fraudulently accessed by an unknown third party and for which several payments within one day were initiated through my debit card. I reported the fraudulent and unauthorized transacations immediately to my banking institution as well as Advance Financial. Advance Financial has escalated my account to a third party debt collector ( which I have notified is not a valid debt ) and somehow assessed my account a balance that does not make sense nor is valid. I have reported the fraudulent use of my account to the FBI XXXX for which I have a copy of the compaint file ). Advance Financial has refused to acknowledge the fraud and stated there was a valid EFT authorization on file at the time of the fraudulent transactions.

I unequivocally and unilaterally revoked all EFT authorizations on XX/XX/2018. The fraudulent and unauthorized transactions occurred on XX/XX/2018. THREE separate transactions occurred. First - they were unauthorized. Second - because Advance Financial allowed them despite NOT have an EFT authorization they are in DIRECT violation of the EFTA ( Electronic Funds Transfer Act ). Third- by authorizing THREE separate transactions that were not agreed upon in the initial contract AND NOT notifiying 10 days prior to those transactions ADVANCE FINANCIAL is again in direct violation of the EFTA .

Advance Financial continues to respond to my complaints by stating there was no evidence of fraudulent use of my account [ when in fact I made them aware AT THE TIME OF THE INCIDENT that it was not authorized ]. They also continually state there was a valid EFT authorization in place when I revoked IN WRITING my authorization TWO MONTHS prior to the fraud. AGAIN - this has been reported to the FBI ( as this falls outside of any state jurisdiction ), I have made Advance Financial aware and the debt collector aware of the fraud, my bank was made aware within 24 hours of the unauthorized transactions so I followed the letter of the law. I am AGAIN attaching my emails revoking my EFT Authorization along with emails showing the unauthorized transactions. Advance Financial is in DIRECT VIOLATION of the EFTA. This debt reported is NOT VALID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX  violated my rights and never gave me no opportunity to dispute. On XX/XX/2021. I received an email from national credit audit by collection agent called XXXX XXXX. A notice to pay a debt was issued and notice to dispute was not issued which is a violation of my FCRA as a Debt collectors must send you a written validation notice that states how much money you owe, the name of the creditor and how to proceed if you want to dispute the debt.

Months later I found out I have a collection on my credit report without giving me the opportunity to dispute. I tried reaching out to XXXX  via CFPB but was unsuccessful. This is a clear violation of my rights and this account MUST be deleted as the amount is invalid. It was stated I owe {$9600.00} but experian is reporting {$4800.00} or there about which deemed this account as false reporting and violation of consumer rights.

It was reported in three major bureaus and XXXX, XXXX has deleted the account for violations of my rights and experian seem to not doing appropriate investigation into major cases. Investigate this as this has been proving to be violation by other credit bureaus and experian wouldnt be an exception as they all abide by FCRA law! 
I have already filled a fraud report with FTC

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 2023-12-14
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a check bounce and TD bank has my account frozen now. My paychecks are still going into the bank yet they are unwilling to work with me to open the account back up or close it so I can receive my funds. I can't even log into the account to receive my account number or contact support on the secure line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I had a car accident on XX/XX/XXXX where I hydroplaned. No other car was involved. The car was taken to an impound lot by the XXXX police. Within the hour, I filed a claim the same day with my insurance, XXXX of which I had full coverage. The car was totaled and undrivable. Capital One Auto was the lien holder to which I was current and ahead on my loan payments through XXXX of XXXX. 

The car remained in impound for 3 weeks and we contacted Capitol One to make sure they knew it was under an insurance claim. On XX/XX/XXXX, I received a letter from Capital One stating I had unpaid fees which were impound fees and repossession fees due to the fact insurance never picked up the car nor looked at it. I called that day and was told to have insurance contact them which I did. However, Capitol One did not hold the car for insurance. They picked up the car out of the impound and charged me with impound and repossession fees and SOLD the car for scrap. Again, my car payment was ahead and up to date. During this time, XXXX said they would take care of the fees, look at the car, etc. But every time we called Capital One we were transferred at least 3 times to different departments as no one could give us an answer as to why they were selling the car, even though it was under an insurance claim. In XXXX XXXX my credit report took a hit. Capital One placed a Repo and Charge off on my credit report causing it to drop over 100 points. Since the car was totaled, I had to get a new car but was unable to finance a new one since my credit had taken such a huge hit and had a repossession on it which is still there. I have not been able to finance a car, and this has place a huge burden on me and my family as they have had to be the ones to help with a new car. 

You will see from the attached document on XX/XX/XXXX, that it states, I had no unpaid late fees or past due payments. And then, in XXXX they send me a letter to tell me how stressful losing a car can be and to work with my insurance company. What a joke - 4 months later. 

Finally, after 4 months, at the end of XXXX, XXXX paid out the claim and fees owed on to Capital One. We have disputed the credit report with Capital One and they are refusing to take this Repo off my credit and stating it is accurate. I am still not able to finance a car as the creditors see that and think I wasnt responsible for my car payments, even though again, I was current and ahead on my loan payments. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX, XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I had a dormant checking account in which someone deposited a small check a year after I had moved to a different state. 

No one from XXXX  called me and i had no idea there as a check processed with insufficient funds. 
After I noticed a personal loan write off from XXXX on my credit card, I paid immediately the {$87.00} fees and requested they remove the erroneous record from the credit bureaus. 
They did not. I called and emailed several times and XXXX has illegally updated my credit profile which I did never had a personal loan with XXXX 

I opened disputes on all three credit bureaus to no avail. 

They are damaging my ability to secure auto financing, credit cards and personal loans by leaving a fraudulent and erroneous record on my credit profile. 
Please help.

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 2022-10-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I was recently was a victim of identity theft, so I got a copy of my Transunion XXXX, and there were so many things wrong on it. I started with the different, spelling of names, addresses and phone numbers. Then I moved on to inquires. However, TransUnion sent me a letter stating that I need to contract companies to get the Unknown inquires removed. 
I think that If TransUnion is going to sell or give away information on me that their files should be correct, and that they have the obligation to make sure the information that they provide is correct, after al they are the ones making the profit off my information.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
credit score dropped fro XXXX to XXXX in one month. Credit card had a balance of {$10000.00} however the balance was paid off before due date. I have never carried a balance on this credit card, seems extreme to drop credit score. Contacted credit company and they have done nothing to explain why my score was impacted as it is. I have had XXXX or better credit score for at least the past 15 years. This is wrong ....

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 2022-05-15
Company: GreenSky, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/XXXX I signed a contract with XXXX XXXX to have new windows installed in my house. The original amount for windows and siding was {$25000.00} but I decided to cancel the siding so the new amount was {$12000.00} just for the windows. I made a down payment of {$2500.00} on XX/XX/XXXX and the remaining {$9500.00} was a loan from GreenSky. GreenSky worked with XXXX XXXX so I did not have a choice with the loan company. 

On XX/XX/XXXX I received an email from GreenSky to set up my account. I would received 12 months, no payments required with interest deferred. My first payment was due XX/XX/XXXX and if I did not pay off the load at that time interest would be added and accrue. I planned to pay the {$9500.00} before XX/XX/XXXX so there would be no charges or interest. 

On XX/XX/XXXX I received a phone call from XXXX XXXX that the windows would be installed on XX/XX/XXXX. On XX/XX/XXXX I received an email from GreenSky asking if the job had been completed. I was asked to click on either yes or no and I clicked no because it had not started yet and wouldn't be completed until XX/XX/XXXX. 

On XX/XX/XXXX I was told my windows would not be installed on the XXXX. As of today, XX/XX/XXXX I have still not received my windows. 

I contacted GreenSky back in XX/XX/XXXX to tell them but they said I still need to pay the loan because I told them the job had been completed, which I had not, and they had already paid {$9500.00} to Windows Select for the windows. This is where things stand as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2017 I was with XXXX. XXXX  told me that if I switch from XXXX to their service they would pay my balance at XXXX. So they ported my number from XXXX and gave me the account. When I called about the balance they said to send them an email I sent them over an email with the XXXX bill and they never handled it. Now I am having financial hardship because there is an outstanding debt with 11 XXXX Enhanced recovery company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}

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 non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MD
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief