BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX misused my personal information. They opened accounts without my consent which are showing on my credit report. This is a breach of my right to privacy and I will hold them accountable for 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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX  ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX  DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. XXXXXXXX XXXX XXXX HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!

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 2021-10-18
Company: ALLY FINANCIAL INC.
State: NJ
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 currently lease my car through Ally Auto. This is the third time I have had problems with them reporting false/inaccurate information regarding my account to all of the credit reporting agencies. I honestly dont know how this company continuously gets away with this. Its fraud. It affects peoples credit score it is not okay. During COVID-19 I had a similar issue and it took months to get fixed, I couldnt even speak to a manager or anyone who could help me from Ally for MONTHS! Recently I filed a dispute on my Ally account status on my XXXX credit report. Back in XXXX I filed for chapter XXXX bankruptcy however my car lease with Ally was not included in this. Both myself and my attorney have both spoke to and sent correspondence with this information to Ally Auto. Not only that, I have continued to make my monthly car payments and am good standing with Ally. They have reported that my account was closed and my lease was included in the bankruptcy which is false information. After the dispute they then changed it to my account status is in forbearance or deferred and I havent made a payment since XXXX. Again this is false.

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 2023-02-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Also you are not reporting Fair and accurate reporting to my consumer report.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

Remove account immediately this account is not in compliance with the FCRA fair and accurate reporting. 
XXXX XXXX XXXXXXXX

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 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are illegally reporting inaccurate information 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 2023-06-17
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
UNAUTHORIZED HARD INQUIRES on my credit profile XXXX XXXX XXXX on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 account below has violated my federally protected consumer rights to privacy and condifentialtiy under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX MO XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX GA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX WA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX WA, XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 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 ) section states : 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 2021-10-18
Company: Experian Information Solutions Inc.
State: OH
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 am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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

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 2023-06-27
Company: EQUIFAX, 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:
Equifax is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting agency block inaccurate information that may be the result of identity theft. On numerous occasions Eqiuifax was informed THE FOLLOWING account information being FURNISHED to Equifax and reported by EQUIFAX is in fact inaccurate and they continue to report.XXXX XXXX ( XX/XX/XXXX ). This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are inquiries being reported that do not belong to me and they are as follows : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ). There should be no inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account with capital one on XX/XX/XXXX it a 360 savings account. It started out fine everything goes smoothly into the last part verifying my identity. For some reason mobile phone capture won't work for me at first. I could understand our protection is the top priority I argued so I been trying for about 30min and I kinda get a hang of it and finally got the system to accept the picture I submitted. 
But causes of too many attempts customerservice don't except by rules. So now I have to take off a day to visit one of the branches. I'm fine with that, I work 7 days a week and we low on staff but it ok only one day and for couple hours I'm cool with that so that day I went to the beach like as usual everything goes good but always at the end something have to go wrong for some reason the back of my ID doesn't qualify for the standard something I don't know. So that days wasted for nothing couldn't get anything done and wast of time and for the hold day all most got fired. 
So couple days later I give it another shot to see how it going to work out. Couple pictures went through and some have to retake but it went fast this time and only couple try way better than last time so I thought everything goes well causes the system accept the picture process approved and accepted. I thought I could get a break but no it right in front of me saying process accepted and approved but the customerservice she said it accepted at first but it didn't accepted on her end. What that suppose to mean, that when something pop up on our screen it could say something else on there end.??? 

So my account been restricted ever since I can't do nothing with my money the money that I deposited into the account for safekeeping now it soo safe that I couldn't even touch it... lol. My 360 saving account # ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
On XXXX ( additional dates/ tracking numbers are attached below ) l sent letters to the credit reporting agency and creditors regarding inaccurate and unknown items on my consumer report. To this day over 30 days later I have not received a response yet I feel like Im being ignored and taken advantage of my disputes Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b - 15 USC 1681e ( b ) - 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) - 15 USC 1681c ( a ) ( 1 ) They were also supposed to complete investigations before the expiration period under section 611 ( a ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon reviewing my credit report, I discovered that a charge off has been reported by Best Buy/CBNA on XXXX, indicating that the account has been closed and charged off as a loss. However, I believe that this charge off is inaccurate and in violation of consumer protection laws, specifically 15 U.S. Code 1681 ( a ) and 15 U.S. Code 1666 ( b ). 

Basis for Removal Request : Violation of 15 U.S. Code 1681 ( a ) : Under this federal law, consumer reporting agencies are required to provide fair and accurate information about individuals ' credit history. It is my understanding that the information provided to the credit reporting agencies must be factual and substantiated by appropriate documentation. I have not been provided with any evidence to justify the charge off, nor have I received any communication indicating the intention to charge off the account. 

Violation of 15 U.S. Code 1666 ( b ) : This law requires that creditors provide consumers with a written notice, clearly stating the reasons for the charge off, at least 30 days before the actual charge off occurs. I have not received any such notice, and as a result, I was not given an opportunity to address or rectify any potential issues with the 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 2023-05-09
Company: EQUIFAX, INC.
State: FL
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 is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: ENCORE CAPITAL GROUP INC.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX XXXX and XXXX Midland Credit Management I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through XXXX for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent. 

The smell coming off the set was also intolerable. It smelled like dead animal. 

I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent. 

I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter. 

I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter. 

After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief