BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act 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 and XXXX  ACCOUNT # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
As of XX/XX/2022 at XXXX est. ALLY, ALLY FINANCIAL INC.has violated my consumer rights. Not only has a cease and desist letter been verified of being recieved by corporation or corporation agent via U.S postal mail service on XXXX XXXX. I requested documentation of debt validation, as well as other documentation that was never recieved. ALLY, ALLY FINANCIAL INC PROCEEDS TO VIOLATE MY RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES AS WELL AS TILA FULL DISCLOSURES AND MUCH MORE. ALLY STATES THAT NO PAYMENTS HAS NOT BEEN RECIEVED SINCE XXXX OF XXXX XX/XX/2022 OR XX/XX/2022. XX/XX/2022 On a recorded line spoken with an agent to help with matters and make sure account status was accurate under the COVID CARES ACT. I was told that doesnt apply to them as well as they would provide a curtesy of account ending in and paperwork would be sent via mail to me. All payments sent to ALLY ALLY FINANCIAL INC. was sent via US Postal mail service certified with tracking and return slip. I was informed during the call that no payment was recieved and the informed we take XXXX XXXX XXXX XXXX etc or bank draft. I refuse to give them access to accounts. During this dispute I stop allowing them access to my account so once my cease and desist letter came about ALLY proceeded to restrict my account access causing stress and extortion of payment. According to 18 usc 894 is in deed in violation. As well as included I never gave consent to ALLY TO FURNISH A NEGATIVE REPORT ON credit reporting agencies as they have marked derogatory comments and fraud on all account status. This has cause me so much stress all because I requested documents of contract validation of debt. 
On XX/XX/2022 ALLY ALLY FINANCIAL HAS REPOSSESSED PROPERTY OF ( CONSUMER T ) and has stated that they repossessed due to non payment. I have proof that payment in fact sent and receive they continue violated my rights according to 18 USC 891/894 extortion of credit this has hit the ultimate stress and I will hold them criminally liable for violations as well as pain and suffering it has caused. ALLY FINANCIAL INC according to 15 USC 6802 violation of sharing my personal information with third parties As well as invasion of privacy 15 USC 1692 15 USC 1681 FAIR CREDIT REPORTING ACT RIGHT TO PRIVACY 15 USC 1691 EQUAL CREDIT OPPORTUNITY ACT DISCRIMINATION 12 CFR 226.23 RIGHTS TO RESCISSION 15 USC 1692 ( e ) FALSE AND MISLEADING DECEPTIVE PRACTICES

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 2022-05-26
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 XXXX 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

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 2023-04-27
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:
On XX/XX/2023 I the consumer notified Transunion about the fact that I was a victim of Identity Theft and submitted the required documentation required by law, However Transunion received the documents and failed to block the UNAUTHORIZED ACCOUNTS from the consumer file within ( 4 ) business days. TRANSUNION DECIDED TO MAKE A FALSE STATEMENT CLAIMING THE ACCOUNTS WERE " VERIFIED BY THE CREDITOR AS ACCURATE '' Transunion is claiming the accounts are accurate however XXXXXXXX XXXX XXXXXXXX also conducted an investigation and concluded that the accounts were in fact UNAUTHORIZED and blocked them from their consumer file. 

After contacting Transunion and speaking to agents like XXXX for over an hour on the phone ( Proof in attachment ) I was told that the information would not be removed because it was " FACTUAL '' and that the only person who can report or remove information about me was the " FURNISHERS '' because TRANSUNION doesn't control any of the information on THEIR company consumer report. I continued by asking for the investigation procedures only to get disregarded and the phone hung up on me. 

Transunion is taking a severe advantage over me as a consumer due to their VITAL role which they ASSUMED in reporting this GRAVE information that is UNAUTHORIZED and does not belong to me with no consent. When I asked about my PRIVACY they said they had no OBLIGATION to it and that they simply report whatever the " FURNISHERS '' tell them to report. 

Transunion is now Knowingly and willfully non compliant because they are failing to adopt reasonable procedures in maintaining my consumer file. My privacy has been invaded and Transunion has failed to protect my confidentiality regarding my non public information. Transunion has failed to be impartial, fair or XXXX to me as a consumer and continue their misconduct. 

Transunion misconduct is negligent and has caused me irreparable damages both mentally and financially, due to Transunion unlawful conduct I am suffering severe stress and financial loss. I am being discouraged from disputing information that does not belong to me and Transunion has made it impossible for me to enter any credit transactions to obtain goods or services under credit for personal, family or household purposes, which has in fact caused me to cry at times, suffer from anxiety and XXXX. 

PROOF OF EVIDENCE TO MY CLAIMS PROVIDED AS ATTACHMENTS

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 2023-04-27
Company: Radius Global Solutions LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Have you spoken to the manager and he agreed after me providing police report and other supporting documents that this account does not belong to me and Ive never signed it wet signature for this account. Im a victim of identity theft and they agreed to remove this from your credit report and collection agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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:
Due to the coronavirus, this issue is cripppling me financially. They should retract the late payment, because it was due to an error by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: OH
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:
theyre still reporting missed payments thee major credit reporting companies. when in really they sold it to a deft collector. And in all honesty. I didnt sign any legal agreements with said buyer of the debt. XXXX XXXX  is still to this day pushing XXXX  days late on XXXX payments. Its killing all efforts to buy a home. Please help with this and take XXXX XXXX off of my XXXX and Experian credit reports. Please

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 2022-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is not a 3rd party! These credit reporting agencies are failing to properly investigation DISPUTES and FAILING to provide accurate results and they have been negligent in complying. PLEASE REVIEW DOCUMENTS ATTACHED.

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 2023-06-09
Company: Law Office of Michael J. Scott, PC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a complaint re : Scott & Associates , PC located in XXXX, Texas. I received a debt communication over a year ago with my former married name ( which was changed in XX/XX/2016 ) for a debt that I have no knowledge of. At the time, the collection agency sent a form for a copy of my drivers license, social security card or passport to confirm my identity. They also stated that I should file a police report on the debt. I refused to do any of those things since I have no knowledge of this debt and did not want to file a fraudulent police report and I certainly was not going to send all of the self identifying info they requested. I wrote a cease and desist letter to the company and heard nothing from them again, though they did sent the report to the credit bureaus, so now I have this unknown debt on all three of my reports and can not seem to get it removed. Yesterday I received a letter from them again with the " bill '' for this unknown to me debt, which is listed from " XXXX '' - - I called them this morning and on a recorded line, the agent admitted that there was a cease and desist on file and that she would remove the address and info from the system. This is in direct violation to the Debt Reporting Act. I am not sure how to resolve this issue and how to have this removed from my credit report, but I am very frustrated and concerned by the company 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 a {$30.00} fee was assessed to my mortgage for providing a payoff quote. This is an unfair practice and was not disclosed at the time of the payoff quote or within the mortgage note that was signed at closing. I didn't provide authorization to provide a payoff quote at the expense of {$30.00}. I'm more than capable of doing the math myself. After being informed of this fee, I logged in online to find out a {$30.00} fee is only charged if emailing or faxing a quote, which is typical when refinancing or selling a home. A free copy is an option for postal mail delivery only.

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 2023-06-26
Company: Experian Information Solutions Inc.
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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 had my credit reports from XXXX XXXX transunion all have pulled my personal credit report from mulitple sources over XXXX times since XX/XX/2021, I have not authorized these credit pulls

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Called went on website and disputed nothing was done

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 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on BANK OF AMERICA 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( BANK OF AMERICA XXXX, BANK OF AMERICA XXXX, BANK OF AMERICA 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 2023-11-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DO NOT have any idea regarding this fraudulent account on my credit report. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 ) 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 2023-06-26
Company: Experian Information Solutions Inc.
State: SC
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:
NAME : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, State Zip : XXXX SC XXXX XXXX Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot, consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the del accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
This debt was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation