BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Went to XXXX website to obtain my report and was unable to get it. Logged in, but system keeps kicking me out.

Statute of limitations has expired on XXXX XXXX XXXX XXXX XXXX RTN/ACCT # : XXXX / XXXX. This has to be deleted. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX are not my address delete address off my report. 

My address is XXXX XXXX XXXX, XXXX PA 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
How many dispute letters and CFPB complaints do I have to send to the Credit Reporting Agencies for them to completey remove all the fraudulent information being reported on my Credit File? I have been disputing for the removal of the fraudulent accounts and information from my Credit File for quite a long time already, but the Credit Bureaus do not seem to be paying any attention to my requests! The Credit Bureaus continued reporting the disputed items and claimed to be verified without them sending me copies of proof of verification and or proof of ownership. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. However, in my case, the Credit Bureaus did not only continued reporting the disputed items, they even claimed that the items are verified. Their willful non-compliance with the Federal regulation is a clear violation of a consumer 's rights which is under the protection of the Fare Credit Reporting Act. I am submitting this CFB complaint to appeal to the Credit reporting Agencies to once again, take a deeper look with my Credit File and remove all the disptued fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$53.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XX/XX/2022

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 2023-02-06
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All my student loans have been paid off in full since XXXX but my credit report still reflects a balance over {$330000.00}! I have disputed this several times and it is not getting fixed. I can not close on a house or get any other loans bc my debt to income ratio is too high with this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Regarding my account XXXX, I called Stenger and Stenger PC @ XXXX on XX/XX/2023. I spoke with a gentleman who collected my payment and credited {$580.00} to my account. Moreover, scheduling a payment for the final payment of {$580.00} on XX/XX/2023. Additionally, he stated that the judgment and filing from today will be canceled. 

On my second contact, on XX/XX/2023, I spoke with three different representatives, who informed me that the payment had not been received and credited to my account and that a payment plan for two installments of {$580.00} had still been established. These representatives seem to have given me different information about my account and yesterday 's events. I request to talk with a supervisor after being transferred. The team lead or supervisor who called me was very unprofessional, talked over me when I was asking a question, and the call never progressed. 

I would prefer a resolution to this issue because I do not want to be sued because of the XXXX XXXX that made it difficult for me to pay my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

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, 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 2022-12-03
Company: Experian Information Solutions 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:
My name 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
Consumer complaint received 2023-07-14
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My Apple Card with Goldman Sachs had been restricted/under review for three months now. I have asked for updates but for security reasons they wont give me information. I have submitted two complaints about the time in their system and I have gotten no response from anyone. It has been locked now for too long with NO word at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone was reported lost, there were unauthorized charges made to my account with my PIN number because person who found my phone was able to access personal information. I informed Citibank of the following concerns and problems and they still denied my 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 2023-05-19
Company: EQUIFAX, 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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$80.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX illegally obtained my personal information from a 3rd party source ( XXXX ) WITHOUT MY WRITTEN CONSENT. XXXX XXXX in the letter told me that my bankruptcy is public record, but that is a lie pursuant 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, which states I THE CONSUMERn decides what is private to me, and I DEEM THIS bankruptcy to be a very private matter. I feel very violated because I never gave XXXX written permission to share my information with anybody so they violated Under 15 U.S Code 1681b permissible purposes of consumer reports because I never gave you any written consent to report anything on my consumer report no consent is identity theft. I wrote a letter the the bankruptcy court and they told me that they never shared my information with the credit Bureaus and XXXX XXXX is blaming it on XXXX. either way it goes, they all broke the FCRA LAWS when they shared my information illegally. under FDCPA 807 misleading false reporting you can not legally report this private bankruptcy to the credit Bureaus.please remove it asap.

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 2023-11-14
Company: ALLY FINANCIAL INC.
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2023 Dear Sir or Madam : I have two ( 2 ) bank accounts and one ( 1 ) investment account at the company known as Ally Bank, NA and Ally Investments , Inc. located in, among other geographic locations, XXXX, North Carolina. Moments ago, in trying to log into my account at Ally Bank and whose website is https : //www.ally.com, Ally Bank is now preventing me from being able to log into my account to make investments, to view and/or to administer my investments and to view and/or to administer my checking and savings accounts. In sum, the Subject, Ally Bank, is criminally obstructing me from accessing my accounts and my investments at Ally Bank due to Subject Ally Bank and/or Subject Ally Investments , Inc. , placing an intervening web page between me and my account summary page the absence of which would have enabled me to view my account ( s ) online, to administer my accounts online, and/or to make investments, but for the intentional, purposeful, arbitrary, and poorly placed impediment and/or obstruction created by the Subject, Ally Bank, and/or the related Subject , Ally Investments. The disruptive, obstructing, unlawfully intervening and problematic web page introduced by the Subject ( s ) has and is giving me absolutely no lawful option but to force me to comply with Subjects ' forcible demand that I acquiesce to Subject bank 's amended contract terms '' without Subject ( s ) provided any means to delay and/or negotiate their, the Subject ( s ) ', amended terms. As a direct result of the arbitrary, capricious, malevolent, and criminal obstruction of my formerly online access to my bank accounts and my investment accounts by the Subject ( s ), Ally Bank and/or Ally Investments, the Subject ( s ) are intentionally, willfully, maliciously, and malevolently preventing me from both trading using my investment account and administering my savings and checking accounts. As a result, this/these Subject ( s ) are engaging in a pattern and practice of embezzlement. The Subject Ally Bank had been contacted and is refusing to enable me to access any of my three ( 3 ) accounts. Subject Ally Bank is, has, and continues to criminally impede and obstruct my former access to my three ( 3 ) accounts such that I have neither been able to trade nor to administer any of my three accounts since XX/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 2023-05-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
15 U.S. Code 1681 ( B ) - Permissible purpose I am reporting identity theft for all 3 consumer reporting agencies who are reporting late payments on my credit report. For the following accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX I never provided written consent to consumer reporting agencies to show late payments. This is fraud. All 3 agencies must provide evidence of written consent with my signature and date of submission or delete all late payments from my consumer report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of the receipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XX/XX/XXXX. These are violations of the Cares Act as well.

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 2022-05-24
Company: Experian Information Solutions Inc.
State: IN
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:
These accounts were not tied to me and these companies pulled my credit without my consent therefore I would want the inquiries removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Saturday, XX/XX/2023, I went to XXXX XXXX XXXX to look for a car. I did not like the interest rates given to me, so the financial manager XXXX XXXX told me he would call XXXX XXXX, since it came back an error and they have a low interest rate. On Monday, XX/XX/2023, he texted me back that he found a lower interest rate. I texted him back that I was not interested anymore but thank you for looking and that I would pass on the offer and the car. Then on Wednesday, XX/XX/2023 I received two calls and then a text message from XXXX XXXX the sales manager telling me that he was able to talk to a different bank to get me a better rate. Then on Thursday, XX/XX/2023, I received a notification on my phone that my credit score was ran again without my consent. I texted XXXX XXXX letting him know that I did not authorize this run and told him I told XXXX on Monday that I passed on the offer. I sent screenshots of the text along with a screenshot my credit being ran. I still have not heard back from XXXX XXXX or 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 2023-02-12
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt been on my report since XX/XX/2019. To my knowledge I haven't received any thing in the mail about this debt from this collection company. To my knowledge this debt can not be collected in the state of TN. Due to the research I have provided.

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 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
XXXX XXXX by Capital One is not updating. Three months have gone by and I have kept my payments on time and current with capital one why does my score stay stuck if all my accounts are current and never late. I have 3 accounts with capital one all in good standing. 
2nd the Venture is paid in full. How is it that capital one charged off this account after it was paid. It had a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: SC
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:
Equifax is reporting a XXXX account that doesnt belong to me, I asked them to delete it and they want Ive disputed it with them and they keep trying to stall me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # xxxxx 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 an account without my written instructions

Company response to consumer: Closed with explanation