BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX is a bank and can not loan money. They admit that they are not the original creditors. Remove this account from my credit profiles. Notice of dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: ALLY FINANCIAL INC.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle through XXXX in XXXX in XXXX. From the get go the deal has not been good. The dealership lied to me, and would not take off gap insurance that we asked to be taken off a day or so after the loan. Now, the dealership did not inform me that the customer service for the financial institution is all outsourced to XXXX or the XXXX. I can never get anyone who speaks XXXX at Ally Financial, and now, today, I learned that they have taken almost {$600.00} too much out of my account. My payment was supposed to have been {$290.00} and they took over {$790.00} out. I have a corporate contact at Ally due to some of the other issues we 've had and even she argued with me saying that it appears I initiated the payment to go through. I did imitate XXXX payments, XXXX for {$150.00} and XXXX for {$290.00}, but for whatever reason they charged what they did. I have had to go to my bank to dispute the incorrect portion. 

Ally Financial is a joke! They are hideous and they do not help. I also have reason to believe I was hacked when the car deal went through as I have had to change banks, phone numbers, and even email addresses since purchasing this car. We may have been hacked prior to the car deal, but we have had nothing but trouble and my credit score has dropped significantly since all of this happened. The issues I 've had are well documented, and I eventually had to email their investor relations just to get someone who spoke XXXX to call me. 

Today is the last straw. They will not help me with the incorrect amount they charged out of my bank account and I have to file a dispute with my bank now. I am so upset about all of this. 

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 2022-01-20
Company: AFNI INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX I sent a validation letter, on XX/XX/XXXX I received a response back stating that their " validation '' shows that the debt was mine. ( please see attached letter ) they provided me with something typed from their office, without any proof of this belonging to me. XX/XX/XXXX I sent a letter to basically tell them they failed at the validation and they needed to cease and desist with the collection unless they provided me with proof of contract, when the services occured, what the services were for, etc. on XX/XX/XXXX they responded with a letter stating this was a duplicate request. They are in violation of FDCPA, Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ). As well as failing to Cease and desist. Ive attached all correspondence from myself and AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: CITIBANK, N.A.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A neighbor referred XXXX XXXX, Sears XXXX XXXX, for replacing windows. Because our XXXX yr old daughter had to move in with us after her house tested positive for MOLD + they found XXXX XXXX leak @ the time. Unaware she inhaled toxins for 7 yrs & got sick. She XXXX for this. She XXXX in humid, rainy days. Our house was built XXXX. We thought new windows would help her. We were not aware we had to pay anything upfront. XXXX said we had to open a Sears Credit Card to pay for the windows. Reluctantly we did. We have XXXX credit cards we use exclusively & could not use we were told. We explained our situation. Our expenses on fixed income high for our daughter 's medical bills, care, higher utilities. 1 day a truck pulled up in front of our house with windows. 1 man discovered that our windows, doors & trim where all white inside our house. The ones THEY brought were beige inside & out. We made it clear they had to be white on the inside & beige exterior to match the outside. XXXX did the order on his laptop, we received no copy. One man came from the attic with 1 of our windows walking out the front door. I stopped him & told him that the attic windows were not to be replaced. 
Total window where not the right number. The order was wrong. He went back up & stuck the window back in, no tools, assuring us it was safe & sealed. A few weeks ago I saw a stain on our ceiling on the 2nd floor below that attic window. After talking for a while to someone at Sears they left. XXXX XXXX was in the hospital he emailed us. He gave us XXXX XXXX XXXX XXXX whom we contacted. Nothing got resolved. We told him eventually we lost trust in Sears and wanted to cancel the entire order. He said he would. Emailed us. XXXX XXXX never contacted us. Since then we get bombarded with invoices. We talked to someone who contacted us in response to my Internet post. Nothing was resolved. I am XXXX yrs old, my husband is almost XXXX. We take care of our daughter who is XXXX 2+ yrs. Thank you for your 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 explanation
Consumer complaint received 2017-03-13
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I received a late fee on my account, which i was told ; would be forgiven. I was instructed to subtract the {$25.00} late fee from my total balance. I subtracted the {$25.00} late fee and paid my balance in full. Recently I received a statement from the credit card holder. Assuming there was zero balance, I prepared to tear the statement for disposal. While tearing the statement I found there was a {$97.00} balance. I called the merchant right away to clarify the Charges because I had made NO purchase since the last balance pay off. After calling the merchant I found that the {$25.00} late fee was not waived as promised and go figure Target said they had no record of the phone call where the rep promised to forgive the {$25.00} late fee. In addition to Target not waiving the late fee they charge additional late fees on top of a late fee. Target the Merchant offer no options to resolve the issue, I was only able to speak with collections who has no capabilities of resolving balance issues, from my understanding Customer service does but my account can only be handle by collections. Collections continue to call me to threaten additional late fees although I closed the account and request to formally dispute the amount, they continue to charge late fees on a late fee balance with no means to resolve the issue. the balance on my account is all driven from the targets ongoing late fees not one cent is from purchases made by me. I have been a Target credit card holder Since XX/XX/1993 I do not have a history of late fee 's or outstanding balances, Target recognize my account history but offer no options to retain me as valued customer not one. Sounds like they want to keep the issue open so they can continue adding late fee expense to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: ID
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft and dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company LJ Ross has a collection of {$0.00} on my XXXX report but I do not know this company nor have I paid this company. Its registered as XX/XX/XXXX and the last date reported was XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert on XX/XX/23 on my American Express Credit Guide stating a new tradeline had been opened that I did not authorize. I have raised a dispute with XXXX and am hoping to get my account expunged of the unknown account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing XXXX accounts : XXXX & XXXX and XXXX for over XXXX months and have n't received any fair help. The job of the credit agencies is to report only XXXX % factual and verified data. 

I have contacted both companies and informed them of my intent to sue if they do not remove these accounts. 
XXXX does n't belong to me at all, they have the account under a males name ( XXXX ) which is n't me, they wont provide me any documentation, no nothing pertaining to this account so why do they have the right to list it on my credit report and harm me?! 
XXXX has not validated the debt after me sending several debt validation letters, they wont provide me their license number to see if they are even legally able to do business in my state, and they too wont abide by the FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got an alert from XXXX that a hard inquiry occurred on my file from Synchrony bank. I called them to dispute it and they recommend that I also file a complaint with the FTC.

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 2023-07-16
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX  XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested validation from XXXX, Experian XXXX XXXX that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has put this ( Account XXXX XXXX XXXX XXXX Account # XXXX ) back on my credit report under different name ( Account XXXX XXXX XXXX XXXX Account # XXXX ) the information is inaccurate, I've made several attempts to Experian requesting the names and business addresses of each individual with whom they verified the information above, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information, my request have been ignored. As well as my request to remove this unauthorized inquiry from my credit report, XXXX XXXX XXXX XXXXXX/XX/2023.

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 2017-01-28
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage with Franklin American Mortgage Company. I have a XXXX that is service connected and not require to paid property taxes in the state of Alabama. I send too the mortgage company what receive from tax office in XXXX, Al. The problem is that they continue to collect property taxes in my escrow. I have spent appt. 10 to 12 hours talking to them and their mangers to no avail. I sended in my information around XXXX Or XXXX of each year. I 've had my mortgage for 22 months and when I call them this last week the lady appear not to have a record of my paper that was mailed in XXXX XXXX. The manager I talk to said that I was making escrow payment for XXXX. My question was why are they collected for XXXX when I have mail them my paperwork fort XXXX and XXXX. He said that they would mail a refund at the first of the year. Why should they be charge me escrow when I could get interest on the money if it was in my saving account. 





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Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello i checked my report and ive seen unauthorized credit check inquiries that i have not given constent to. I am demanding these inquiries be removed withing 4 days as they are fraudulent. im trying to establish relationships with banks but continue to be declined becuase of these item on my report. i have attached the fraudulent items to my letter and notified the FTC

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 2023-04-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$430.00}, XXXX  XXXX XXXX XXXX : {$81.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Client Services, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Client Services is attempting to collect an alleged debt from me after I sent them dunning letters requesting validation of the debt on XXXX XXXX, XXXX and XXXX XXXX, XXXX. The third letter from them dated XXXX XXXX, XXXX is in violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

Client Services has not provided a copy of any agreement between their business and the original creditor. Client Services has not proven the Statute of Limitations has not expired on this account. Client Services has not proven they are licensed to collect in Oregon. These three legal requirements among others are included in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

Their letter of XXXX XXXX, XXXX also violates Federal Law by continuing to attempt collection without meeting the legal requirements of the Fair Debt Collection Practices Act. 

In addition Client Services continues violating Federal Law by telephoning no less than 9 times in the past 2 weeks. Documentation available upon request. 

I am filing a formal complaint against this business for operating in violation of the Fair Debt Practices Act, and am notifying Client Services of this filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$94000.00}

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 2017-01-14
Company: Aargon Agency, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
All I know is this is on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation