BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: VA
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 became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
fraud account 1 } XXXX XXXX  Original creditor : XXXX XXXX {$840.00} 2 } chapter XXXX bankruptcy 3 ) XXXX XXXX  XXXX XXXX {$850.00}

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 2023-11-30
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I didn't see the exact option listed for my complaint. But I've notices several unauthorized inquires on my XXXX credit report that wasn't made by me and here is the list with the dates attached and I need them removed. 

pentagon fcu XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Key Bank was then given my information without my consent or permission Pursuant to 15 U.S. Code 1602 ( p ) then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt under FDCPA Section 809 ( b ) key bank continues to violate with collection activity and haven't validated anything they failed to provide authentic documentation which clearly indicated no such matter existed there are four elements in a lawful contract and there was no Full disclosure Equal consideration lawful terms and conditions and signatures of both parties they then repossessed the vehicle Breaching the peace in which they clearly had no intrest in pursuant to 1692e ( 6 ) 1692f and furnishing fraudulent documents defined in,15 USC 1692j FTC report # XXXX Attorney General Intake Reference Number is # XXXX they failed to include insurance pursuant to 15 USC 1605 and failed to disclose that pursuant to 15 USC 1635 i had a right of rescission pursuant to 15 USC 1692f ( 6 ) ( a ) ( b ) they are threatening to sell my vehicle in which is a violation I AM A FEDERALLY PROTECTED CONSUMER TEHY NEED TO FOLLOW THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: MD
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I applied for a loan modification due to financial hardship from Ally Bank on or around the XX/XX/XXXX and was granted an Extension Agreement over the phone. I was told that I would receive a document to sign in the mail. I received the Extension Agreement document dated XX/XX/XXXX on XX/XX/XXXX and faxed and paid the first installment the next business day XX/XX/XXXX ( within the time Ally Bank stipulated of 10 days from the date of the document ). 

On XX/XX/XXXX I contacted Ally Bank to find out if the agreement had been executed and was told that due to banking software upgrades in XX/XX/XXXX that it must have been overlooked. The reason I did not think the agreement was processed was that I got a notice from Ally Bank that my account was past due and my online portal did not reflect the payment schedule on the agreement. I was assured by Ally customer service after they tracked down the signed agreement that they would update my account to reflect the agreement in 2 business days. No updates were made and I continued to receive notices from Ally Bank for payment. 

On XX/XX/XXXX I contacted Ally Bank again three times because there was still no change on my account reflecting the Extension Agreement. I was on the phone for almost an hour and was hung up on 2 times by Allys customer service with no call back from them. On the 3rd attempt, I was able to reach a customer service representative and reach a conclusion. The agent stated at the end of the call that Ally bank would honor the Extension Agreement and update my account to reflect the agreement within two business days. No updates were made. 

On XX/XX/XXXX I emailed Ally Bank through my online portal and asked that they update my account to reflect the extension agreement. I included an attachment of the signed agreement and detailed my interactions thus far. On XX/XX/XXXX I got a reply stating that they received my email and that if I had questions to call their 1800 number. No updates were made.

Ally Bank is giving me the run-around and they are not honoring their own agreement. They are causing me a lot of unnecessary stress, time and money all in an effort to what is clearly a scheme to get even more monies in fees from folks with financial hardships. I am being financially responsible in trying to use the programs that they offer in good faith but in return, I am being met with underhanded shady practices designed to take advantage of the most vulnerable amongst us. I need help as Ally Bank is not working in good faith and is not abiding by our agreement.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filed formal complaint that was ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law, Experian had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
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 XXXX Inquiries XXXX XXXX  XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX  XXXX Experian XXXX XXXX  XXXX XXXX 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 2022-03-18
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have countlessly tried to reason with this company regarding my identity theft I have sent multiple police reports they told me they were edited I have contacted the authorities I have disputed these accounts countless times with simple responses from this data furnisher saying they are verified they have sent me no proof of how they were verified when I ask for proof they will return with account has been updated. I am not resposible for opening these accounts. This identity theft with my personal information has caused defamation of character has caused me emotional, psychological, mental and financial distress. I am pleading with your company to help me. I have all documentation to move forward with a lawsuit. This will be my last attempt to reason with this company I need proof bearing my signature on any contracts signed, photos or video of person physically there or XXXX addresses for electronics used to open these accounts. If you can not produce these I will need all accounts removed immediately within the lawful time period. 

XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$280.00} XXXXXXXX XXXX  - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$4300.00} XXXX XXXX XXXX  OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1600.00XXXX XXXX XXXX XXXX OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$610.00} XXXX XXXX XXXX XXXX  OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1800.00} XXXX XXXX XXXX OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1500.00} XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX {$160.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$24000.00}

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 2023-03-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX - my account was suddenly restricted- when I called the number on the website- they stated it was because of a recent transfer to my account- the representative stated that they would be sending me information via postal mail as to the investigation and subsequent decision. Again, that was on XX/XX/XXXX, it is now XX/XX/XXXX and I still have a restricted account. No letter, no email, no phone call - zero communication. Now when I call the number provided to find out details, the reps have no answers and tell me I need to speak to the Case Review Department, however they have no number they can provide for direct contact. Instead I am left to leave a voicemail - which I did on XXXX  XX/XX/XXXX at XXXX PST - No response. I did the same on XX/XX/XXXX at XXXX PST. Still no response, no letter, no email - I have zero access to my account and still have no concrete reason for why the account was restricted - I had not abused the account and used it a few times. Verification was required before I could open the account, and I sent it via the means they requested. Account was opened and used, without any problems. 

To date, I mercifully have access to accounts online, however I am sure they will cut this, once my complaint is received. The number on online says I call XXXX, with zero help from those reps, they can not even see what the problem is on my account- then you can be transferred to the " Case Review Team '' where you leave a voicemail- the recording states the department is " unavailable ''. 

Again, to date, you can not even speak to a live person at this department, and are at the mercy of if and when they decide to assist you. You leave a voicemail, and hope that that someone will return your call. BOGUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-13
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Blackwater Capital Group LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I took a payday loan at XXXX, due to financial hardship I was not able to pay them and passed on my debt to a credit collection agency. This complaint is regarding BLACK WATER CAPITAL GROUP, at first they left a voicemail saying that they were from an Attorneys office and that there is a lawsuit filed against me, And the same message my husband received from them saying theres a lawsuit being filed, they contacted my husband as well, when I called the number they told me to call it was a lady named XXXX XXXX that answered the phone, not stating the company name first, and already discussed to me that they are a credit collector and that my {$400.00} debt already had charges and I had to pay {$900.00}, they asked for my debit card no. And they said I had to pay the full amount, it was only to my realization because everything happened too fast and the scare that Im going to be sued that I agreed paying, but I dont think it is right for them to impose that high of an interest since Im already struggling and thats why I havent paid the original loan in the first place. They kept calling my husband, they would use different numbers till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute accounts and inquiries that are reported on my credit report. I never authorized the listed items and therefore them reporting on my credit constitutes a violation of my consumer rights to privacy.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 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. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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