BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % XXXX fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...

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 2022-11-02
Company: Experian Information Solutions Inc.
State: MD
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:
The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}

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 2023-02-15
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:
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. 

XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute 2 collection accounts that has been reported on my credit report. The collection accounts in question are [ XXXX, and XXXX ], which is being reported by [ XXXX XXXX XXXX, and XXXX XXXX XXXX ]. 

I am requesting that these collection accounts be removed from my credit report immediately. I have never had any dealings with these collection agencies, and I have never been notified about any outstanding debts. Therefore, I believe that the collection accounts has been reported in error and is negatively affecting my credit score. 

I have taken all necessary steps to dispute these accounts with the collection agency, but they have been unresponsive to my requests. I have also requested that they provide me with any documentation related to the alleged debt, but they have failed to provide me with any information. 

I request that you investigate this matter and ensure that the collection agency is complying with all relevant laws and regulations. Additionally, I request that the negative information associated with this account be removed from all three credit bureaus immediately. This account is inaccurate and is causing undue harm to my credit score and my ability to obtain credit and other financial services. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2023-01-26
Company: Experian Information Solutions 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:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT

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 2023-03-02
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX acknowledged account was opened fraudulently, I disputed this debt collector a year ago and it was removed from my profile only to be traded with false dates. Debt was started XX/XX/2022 supposedly but only added back to my profile once theyd realize I was searching for a car. The debt is closed on my XXXX and XXXX XXXX but open on experian I have not supplied proof under the doctrine of estoppel by silence. Engelhardlt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in therefore exists

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following account has violated my rights. 

XXXX XXXX - XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 12 CFR 1022.82 ( c ) ( 2 ) ( ii ) ) - A user must develop and implement reasonable policies and procedures designed to enable the user to form a reasonable belief that a consumer report relates to the consumer about whom it has requested the report when the user receives a notice of address discrepancy. 


XXXX XXXX is reporting to the bureaus an inaccurate address, after numerous submissions of verification documents that confirm the information they are reporting regarding my identity and ownership of the account to be false. The bureaus refuse to abide by the laws set to protect me from occurrences like these.

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 2021-08-27
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2020 I opened an account with XXXX XXXX through the XXXX XXXX XXXX  and was approved for a {$400.00} line of credit. I was super excited to get the opportunity to start building my credit again. On or around XX/XX/2020 I changed bank accounts and as such grain was not able to take my monthly payment. 

When i logged into the app on my XXXX  to update the bank account, it kept giving me an error so I contacted support. Eventually the issue was semi resolved. This is not the reason for my complaint today though. 

Now, fast forward 8 months later and I am having the same issue again. Except this time, they have reported a 30 day late for XXXX and a 60 day late for XXXX. This is preventing me from finding a new apartment now and XXXX XXXX has no one I can call. 

When I try to go on the app to put a new payment method, it says that my bank is not supported. So i tried a seperate account but it said that my XXXX XXXX  account is being used for another account. So here I am again, unable to make a payment while my credit is being damaged and I can't even get a hold of someone at XXXX  to make it right. 

I am requesting these late payments be removed IMMEDIATELY and for me to be sent an invoice to XXXX so that I can pay this off in full and close this account. 

My parents are also experiencing the same exact issue which is causing them unjust harm as well. 

Thank you for your assistance in regards to this matter.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-11-02
Company: Experian Information Solutions 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 accounts I'm challenging have nothing to do with any transactions. Please remove this account : XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
NAME : XXXX XXXX EXPERIANXXXX DATE XXXX XX/XX/XXXX I have reviewed my credit report and found there are several inaccurate data points within my personal identification which the listed bureaus are reporting. 

My only name : XXXX XXXX ( Please delete any other name you are reporting that does not match. ) My only address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ( Please delete any other addresses that you previously reported. ) NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DATE OF BIRTH : XX/XX/XXXX Sincerely, 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 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company CAPITAL ONE account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
td have caused so many issue with their lies and their fraudulent ways I been going through a dispute the XXXX since XXXX some wallet was stolen then someone withdrew money from my account and uploaded fake checks from mobile deposits to my account and they ruled the mobile deposits as fraud and denied the other claim, from XXXX to XXXX i have been disputing the fact that someone overdrafted my account the same day that those mobile deposits were place on the account, finally in XXXX the claim received a temporary credit, after my disputes had been denied about 5-10 times they finally owned up to it being fraud for {$400.00} taking care of the fraud that was on my account because they had already removed the mobile deposit that was on my account, after i called in several times to have them refund the money that had returned back to my account which had taken XXXX to a XXXX ... from chargebacks and returns i then received a provisonal credit for the XXXX fraud that was on my account then once they realized they had to pay me back more than the XXXX they credited my account they then denied the credit and now they have my account XXXX saying i owe them, for fraud that was on my account they have added a extra {$400.00} just because they can without providign me any info as to why, when i call the customer service dept they directme to the branch yet i cant go into my local branch becasue they have me on trespassing because they discriminted against me and they have frauduently added a amount to my account because they didnt want to pay back the amount they owed me adn they did pay me half the amount yet then charge me what they owed me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Around XXXX XXXX we started with not being to use our emails. Then we got charges on our Chase account that were not ours. Then we lost telephone service and internet service. When I spoke with XXXX, they said we were hacked. they gave us a phone # off the person who hacked our account. They said this person changed our passwords. XXXX XXXX XXXX. I dont know this number. We just got a bill from XXXX for XXXX plus dollars. on a XXXX card. We dont have a credit card from costco XXXX We have numerous password lost. If there is more info I cant remember right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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