BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Follow-up to CFPB Case Number  XXXX  - I received response from Ally Financial on  XXXX   XXXX ,   XXXX   with respect to my prior lease an d Ally ' s assertion of excess tire wear. The response is completely inadequate to my complaint as they have not addressed that their tire tread requirements to a returned lease on a  XXXX  mile contract was, and remains, impossible to achieve on any lease. Ally is fully aware, or at least should be aware, that their tire requirements are false and misleading and is thus a hidden fee to their lease agreements and thus should be considered an illegal action under the  Dodd Frank legi slation and the jurisdiction of the CFPB. The response received  from Ally is a s imple " canned '' corporate response and fails to address the misrepresentation assert ed by Ally in their  lease agreements. Finally, as someone who has leased vehicles for over  XXXX  years with  XXXX  per year mileage requirements this is indeed the first time I have ever been assessed excess wear on my vehicle. I can say categorically that the said vehicle was returned to  Ally in immaculate condition and with tire tread well within legal safety requirements. As noted the Ally lease has both false and misleading requirements that were at the outset impossible to physically achieve, hence should be illegal u nder the CFPB 's mandate!

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 2023-12-10
Company: EQUIFAX, INC.
State: TX
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 Disputed the payment accuracy of this XXXX  account XXXX that is now closed I requested proof that all these payments were in fact late but looks like they are only re-arranging the late payments between months and updating them which I have proof of this also payments are reporting with different statues across all three bureaus how is that possible? In XXXX on XXXX XXXX XXXX XXXX and XXXX are all 30 days late and XXXX marked as 60 days late the account was closed in feburary how are payments still being reported as " on time '' for the remaining months on a closed account? the " update statues '' states " too new to rate '' this account is closed with XXXX year payment history not possible next thing on experian XXXX and XX/XX/XXXX are marked as 30 days late but XXXX XXXX XXXX are current where equifax is marked as late which one is it? XXXX again reporting different statues from the other XXXX XXXX XXXX and XXXX are late XX/XX/XXXX is late but is current on the other two I am demanding that this account be removed from my credit report by law all three bureaus have to be reporting the exact same accurate information in addition the payment history/ dates late across the board have numerous innacurate information All 3 bureaus are provided with same reporting information and have failed to report accurate information after if any negative remark is found that is innacurate or keeps reporting i will not hesitate in bringing legal action against XXXX for violation of FCA after deleting this account please provide me with an updated credit report reflecting the changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Larry H. Miller Group of Companies
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor   nor the credit bureau is willing to help me.    XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   1 XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   RALLY MOTOR CREDIT    XX/XX/XXXX     XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,   XXXX   60 days  XX/XX/XXXX  90 days  XX/XX/XXXX  30 days   XXXX   XXXX   am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$9000.00} XXXX , XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$9000.00} XXXX XXXX Inquiry : XX/XX/2022

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 2022-11-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Synchrony Bank is still reporting on my credit with three credit bureaus XXXX, XXXX and XXXX that I have a revolving credit balance of {$2400.00}. Synchrony Bank sent me a letter advising me that I can settle my account for a payment of $ {$1400.00}, I called Synchrony Bank to make the payment, however ; they have refused to accept my payment, no payment at all they refused to take. They told me my account was sold, however ; I never received a letter stating my account was sold and I also have not received notification from this agency stating that this debt was owed. Synchrony Bank is who I had the debt with and they have refused my payment ; therefore they should not be reporting a revolving balance on my credit report. They did not indicate on my credit report that they sold my account to another lender.

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 2023-04-06
Company: EQUIFAX, INC.
State: LA
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 am a natural person, I am a living human being, I have rights under the 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: GA
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 below have violated federally protected consumer rights and confidentiality under 15 USC 1681 XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that credit exercise their grave responsibilities with fairness and and respect for the consumers right to 15 USC 1681 section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the circumstances and no other in accordance with the written instruction from the consumer to whom it relates also 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable doubt to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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 2023-09-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am filing a complaint with TransUnion,  XXXX , and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter one more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire 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 2023-09-27
Company: Credit Control, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Control , LLC sent a letter by mail in attempt to collect a alleged debt associated with account number ending in XXXX with out any documented evidence.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Although I am still receiving demands for payment ( s ) from XXXX XXXX { Most recent for XX/XX/XXXX in the amount of {$620.00} attached } for my FL XXXX purchased from the XXXX XXXXXXXX XXXX  XXXX [ XXXX XXXX XXXX ] through XXXX XXXX Program { out of foreclosure }, yesterday, XX/XX/XXXX, I received verbal confirmation from another bank XXXX XXXX [ XXXX XXXX XXXX ] of the joint accommodation to XXXX XXXX made therefore, related to that unilateral modification [ by XXXX XXXX of XXXX in XXXX IL reduced to writing by the XXXX for the XXXX ] and thefts of escrow ( {$330.00} ) by XXXX on or about XX/XX/XXXX pursuant to a request of the FL Attorney General, which implied the existence of said mortgage being sent to XXXX XXXX for XXXX Mortgage and there is absolutely no accounting of or for same anywhere. Therefore that debt if it does actually exist it does not appear on my Credit Report. All mortgage debt ( s ) ( 4 ) appear closed. If it is closed, then why am I receiving demands for payments from XXXX XXXX endorsed for compensation by XXXX XXXX while no entity is reporting either billing for or receiving payments, therefore? This must be reported on my Credit Report ( s ) and it is not.

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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have written to the  XXXX  credit reporting agencies also   XXXX   XXXX   about having this account removed. It has not been verified with the first round of disputes. All I get back is a generic response that it is valid with no verifiable letters. My credit reports have this listed as charge offs and it needs to be removed from my account. My second round of disputes went out and I still have not received anything from them

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 2023-06-10
Company: EQUIFAX, INC.
State: VA
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 have unlawful inquiries and delinquencies on my credit report. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX Capital XXXX ( XXXX XXXX ) XXXX XXXX Credit XXXX Bank- XX/XX/XXXX 25

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2023-05-16
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I pray you can assist me in filing a complaint against Atlantic Union Bank. I took out in XXXX, VA. I have called the bank numerous times. I have begged and pleaded with them to fix this issue. They will not assist me in getting my account amount lowered with them at all. I thought I had a fixed rate. None of my paperwork is signed that was given to me. I have read that sometimes entities will go in and add information. I thought was rate was fixed. My initial rate was 2.840 %, dated XXXX to XXXX. I could afford the payment of {$430.00}. On XX/XX/2023, I went to another branch, and got a letter stating fixed rate at 9.27 %. XX/XX/2023 that it was going up to 10.80 % and just received a letter, XXXX XXXX and its going up to 11.09 %. I am semi-retired and get social security once a month. I am working which started at 5 days, then 3 days and now 2 days. Paid bi-weekly. I AM XXXX XXXX to XXXX. I have tried, cried and pleased but they refuse. I called last week and said they could not. If changed my payment status, it would still be {$950.00}. I emailed to request all my signed documents. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 AM WRITING IN REGARDS TO THE UNAUTHORIZED INQUIRES THAT HAVE BEEN RECENTLY TO MY CONSUMER REPORT, THESE INQUIRES ARE FRUADULANT AND WERE NOT AUTHORIZED BY MYSELF.UNDER 15 USC 1681c-2 MUST BLOCK ANY INFORMATION DEEMED INDENITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Med-1 Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in  XXXX     2017 I requ ested " VALIDATION '' of this debt that  Portfolio Recovery Associates  says I owe. Since I have been disputing this debt and going back and forth with CFPB, and the  Credit Reporting Agencies, I decided that it was time t o reach out to the attorney general 's office regarding this debt before filing a lawsuit. Once again I requested back in   XXXX   for validation/contract which I have NEVER received. Upon checking my report a few weeks ago to be exact  on    XXXX   XXXX  2017     Portfolio Recovery Associates  was removed from  XXXX . I checked my report on   XXXX   XXXX    2017 and it w as added back onto my credit report. I never received  a Dunning Letter. Since Portfolio Recovery Associates states that this debt b elongs to me I demand them to release the transcripts of the quality assurance tapes along with a notarized letter signed by a notary proving the authenticity of the transcripts and that they were not altered.  Portfolio Recovery Associates and the creditor I would like   ALL conversations between their agenst and I regarding this debt they say I owe to confirm differing amounts owed/paid/attempting to collect. Failure to produce these documents constitute collection agency fraud. Please see the attach paperwork.

Company response to consumer: Closed with explanation