BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: CA
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:
Ive been disputing the validity of an account with experian since XX/XX/XXXX and experian keeps validating this account. I filed a complaint with the CFPB on XX/XX/XXXX experian took 60 days to respond to my account telling CFPB the account is validated and accurate on XX/XX/XXXX and sent me a predated credit report by mail with the date XX/XX/XXXX. Which contradicts their email sent on XX/XX/XXXX saying they're still working on it I even called experian on XX/XX/XXXX and the rep told me to disregard the report sent with the date XX/XX/XXXX because she was unsure why they sent that being that the account is still under investigation. It is XX/XX/XXXX and that account still says under investigation on the experian website in the dispute center. I sent in a complete break down of this said account and why its inaccurate so there is possibly no way to validate an account that I have a receipt for every single thing. These people do not do their job and I truly believe they cause us harm to sale our information for profit. They are not here for the consumer instead to hurt the consumer for profit. Because as long as my credit score is lower my interest rates are higher and its a profit.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report is showing late payments on XXXX  XXXX / XXXX XXXX and XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Did not authorize these companies to access my credit file, 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 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 2022-08-12
Company: ALLY FINANCIAL INC.
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had a horrendous experience with Ally. On XX/XX/2022 around XXXX XXXX, I tried to log in to the mobile app. First I entered my account credentials then I reached a screen that indicated that I was logging in from a device that was " unfamiliar '' to Ally 's app ( which was not the case, I had logged in to this device several times before this date but receiving this 'error ' message was likely some sort of internal error ). 

So I attempt to use their text relay system to receive a security code to enter to their app ( XXXX ). I don't receive any code so I 'optin ' to their text relay system ( phone number XXXX ) in the off chance that I had previously opted out for some reason. I get an answer from their text relay system that " my input was not understood '' when I'm very sure that I inserted all of the required information correctly. I leave this alone for a few hours and try again later. Now their text relay system is running again because I do receive a code when I request one because I still got the " unfamiliar device '' screen. But before I can insert the security code I am locked out of my account and now have to call customer service to get my account unlocked. I try, via the mobile app, to reset my password. I get to a screen where I am told to enter my username and social security number. I insert these two pieces of data but the app just sends me back to the login screen with no messages or anything to indicate my message was positively or negatively received. 

When I call the customer service line at around XXXX XXXX ( because I'm out of options at this point ), I am greeted with a message that says my wait time is estimated to be " less than 35 minutes ''. All of this for an issue that could have been avoided at several points before now ( getting some sort of message that the text relay system wasn't working, the 'reset password ' link in the mobile app functioning )

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 2022-08-18
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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 belongs to someone else

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding.

Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts still remaining in question as of XX/XX/XXXX that do not belong to me : XXXX : -XXXX  XXXX XXXX Open balance {$830.00} -XXXX XXXX XXXX  medical balance {$690.00} -credit score incorrectly lowered on XX/XX/XXXX by XXXX points when no accounts were removed or added to credit profile. 

-Please remove all addresses and contact numbers incorrectly reported. Previously provided correct address and contact number Transunion- XXXX  XXXX XXXX Open balance {$830.00} XXXX XXXXXXXX Open balance {$410.00} Hard Inquiry-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX  XXXX XXXX Open balance {$830.00} XXXX XXXX- Open balance {$410.00} Hard Inquiry-XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX- {$250.00} XXXXXXXX XXXX  {$230.00} Delete all addresses- Current and only XXXX XXXX XXXX XXXX FL. XXXX XXXX-Current and only phone number delete all others. 

Also requested an annual copy of my credit report and was denied a copy. Please mail SSN : ending XXXX SSN : ending XXXX XXXX ending XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$690.00} XXXX XXXX XXXX XXXX XXXX  {$830.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} 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 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 2020-09-30
Company: ResidentCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received correspondence from the collections company. They have simply continued to place negative marks on my credit report. I have disputed the issue with the credit agencies, however the company continues to submit negative information. I have no documents showing that I have any outstanding debts owed from over 5 years ago. ( Additionally I filed bankruptcy in XXXX, had this company been attempting to collect in a timely manner it would have showed up on my report at that time. ) They state I owe money as a result of moving out of an apartment  in XXXX. They didn't even start posting on my credit report until several years later. As far as I know all payments were made and no moneys were owed when I handed in my keys to the apartment  complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: CHECK INTO CASH INC.
State: WA
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 client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX   credit report showing an inquiry from XXXX XXXX XXXXXXXX ( XXXX ) from XX/XX/XXXX that she did not authorize. An official dispute of this inquiry was provided to XXXX XX/XX/XXXX, however XXXX replied they were not able to research the issue further due to lack of information. XXXX was provided, the date, the credit bureau and the PII of my client, this is more than enough information to find and remove data from a credit report. A credit report obtained XX/XX/XXXX listed the XXXX inquiry still listed under XXXX. This is a violation of the FCRA. Recent changes to the FCRA ( Sec 621 ( a ) ( 2 ) ) have increased penalties for violations for failure of " duty to correct ''. 


XXXX client, XXXX XXXX is a victim of identity theft. She was notified that her information was used to obtain a cash advance loan with Check Into Cash on or around XX/XX/XXXX for an amount of {$850.00} dollars. An official dispute of this was provided to Check Into Cash XX/XX/XXXX ; however a credit report obtained XX/XX/XXXX still listed the Check Into Cash inquiry under XXXX and as of this date Check Into Cash has failed to reply as to the status of the dispute, this is a violation of FCRA and my client 's consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : 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

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 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I wrote this letter to Capital One in regards to removing late payments from my credit report so it will help me refinance my vehicle.. they refused and said that the FCRA requires them to report accurately but they have the power to courtesy remove it from my report To Whom It May Concern, Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX and XXXX of XXXX for my XXXX XXXX  Credit Card account ending in XXXX. 

I want you to know that I understand my financial obligations, and if it werent for my financial hardship during those months, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive been working and have been consistent with managing my money. I also have started a new full time job. Since then, Ive had a spotless record of on-time payments. Im planning to apply for a mortgage and also refinance my vehicle, and its come to my attention that the missed payment on my record could hurt my ability to qualify. 
I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments from XX/XX/XXXX and also XXXX of XXXX. Thank you for your consideration, and I hope youll approvemy request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2022-12-12
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
In XX/XX/2022, our PenFed XXXX signature credit card had a fraud charge. Penfed agreed and issued a new card, closed the old account and promised to reverse the fruad. The new credit card statement had a balance forward of the fraud charge. Contacted PenFed billing and outside credit department in XX/XX/2022 to question this, they said the balance had been doubled reversed and this was the double reverse coming forward because it was included on the previous statement. Requested prove, but the XXXX statement on the closed account showed no transactions let alone a double reverse of the fraud charge. Again we contacted the Credit department and the billing inside departement. They apologized and promised it would be reversed immediately ; we should see it the next day. When this did not happen we contacted them again and again they apologized and promised it would be reversed of which they left a phone message for us to confirm this. The charge was never reversed, and email/phone call harassment began. I contacted them to make them aware of my XXXX and XXXX XXXX; requested they no longer email or call me because it could trigger XXXX XXXX. They refuse to listen and began calling me every day twice ; once identified as Penfed and again as identified as spam. I receive XXXX calls a day now some in the middle of the night. We also had earned reward points with our purchases and in full payments previously. After the harassment started, they put a hold on our rewards cards earned previously. This would be false benefits offered when their mistake can cause them to withdraw 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