BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During the return, I provided the dealership with both sets of keys, and the appropriate paperwork was processed to confirm this. To my shock and disappointment, I was later charged an unwarranted fee of {$790.00} by Ally Financial due to an incorrect claim that only one key was returned.

I quickly acted to reverse this mistake by Ally, reaching out dozens of times, speaking with various managers, and even opening a formal claim to have this unfair charge removed. Despite my many efforts, this issue went unresolved and the claim went unclosed. 
Later, with no communication or response from Ally regarding the claim, I received a letter from a collections agency for the balance of {$790.00}. In the interest of preserving my financial standing and anticipating a resolution from Ally, I decided to settle the {$790.00} charge, even though I firmly believe I did not owe this amount. All of this was done to avoid damage to my credit score which was unfairly impacted and damaged by Ally Financial and their careless practices and lack of disregard for their customer 's outcomes.

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 2023-04-19
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: 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 Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$0.00}

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 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i wanted to just add this complaint # XXXX but I couldn't find a way to do it. Capital One closed my XXXX rewards card because they learned I had a criminal record. I already stated before that I think they should have to ask before giving credit or at least have a disclaimer that if certain things are in your record, they will close the account. I mentioned that I thought it was against Ohio law as stated in their paperwork for this very card. Ohio 's anti-discrimination laws say they must provide credit equally to ALL credit worthy persons. My scores are near 800 so I think I'm credit worthy and they must have agreed because they issued a card. Under their " Additional Disclosures and Term and Conditions, '' there is not one thing there that prohibits me. This is their own paperwork for this very card! I would agree that I can do things after a card is issued that would make me less credit worthy ( missing payments, running up high debt, etc ). None of that happened. Can they point to a single payment I missed? Can they point to a rising credit utilization rate? Can they even tell me how my background supposedly makes me less credit worthy? Since I've been released from prison, my credit score has only risen. Everything I did that they have a problem with happened before they issued the card. The more I look into it, however, I think even a Federal law was broken here. According to the Fair Credit Reporting Act, if they want to background check me, it requires a written authorization. Can they show me where I signed such an authorization? The whole thing was done online and I don't remember there being any mention of signing for a background check. Their paper work does say that I authorize Capital One to check my credit and employment history. I have good credit and I am employed, but I did not give consent to check my background. They never asked for it! The FCRA requires my signature for you to run it. No signature, no right according to federal law to run that check! Show me where I signed for that and show me where you're allowed to do that without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: SC
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize and need to have them deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-11-30
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : XXXX. ) Identity Theft CITICARDS CBNA Account number : XXXX This is not mine. 

XXXX. ) Identity Theft CXXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft CITI Account number : XXXX This is not mine.

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 2018-08-03
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
it's about Ditech mortgage Co, mortgage loan # XXXX. 
In 2013 I applied for personal bankruptcy and was granted a complete debt discharge in Federal court under Chapter XXXX, all my debt was discharged including the stated above mortgage, all documentation was sent by my attorney to ALL my creditors, including Ditech. Ditech refuses to honor the Court orders and refuses to remove my name off the mortgage documents. They are trying to force my husband and I to refinance the whole mortgage just in order to get my name removed and leave just my husband 's name alone of the mortgage. I DON'T HAVE THOUSANDS of $ $ $ to gift to Ditech for just removing my name off the acc. Please explain to me why Ditech is allowed to ignore the Court order.I no longer have any association with this mortgage and I want MY name completely removed off that mortgage, this house belongs to my husband and the mortgage debt should be only under my husband 's name. thank you! XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX company XXXX XXXX do by XXXX XXXX Dispute collections {$2700.00} called XXXX XXXX explaining i never had such account. ask for proof and factors of establishment in my name, ss, dob, address and exct...

Dispute for XXXX XXXX this account is collections {$5700.00} for auto loan I volunteer this vehicle because of financial difficulties XXXX  sent and balance of {$3000.00} after vehicle was sold at auction. I've called XXXX XXXXXXXX XXXX times asking of balance difference and why the account still open and says current on payments now 120 day late payments. 

I have extended fraud alert since XXXX and all credit boroughs are frozen I've been working hard and diligently on approving my credit report and score. I should not have inquiries, collections or closed accounts on my credit report. There should only be ( XXXX ) XXXX XXXX  account, ( XXXX ) XXXX XXXX, ( XXXX ) credit card accounts XXXX XXXX XXXX XXXX and XXXX XXXXXXXX which this account is closed ( XXXX ) tXXXX XXXXXXXX XXXX XXXX 

I Appreciate your time and I thank you in advanced for helping in resolving this situation. 

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 2021-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently got a copy of my credit report and have noticed some accounts that i have zero knowledge of. I have contacted the following companies about these accounts and have supplied them with the necessary documents to have them removed, yet the still are being furnished. see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld System Inc formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company has stolen my information not once but twice and keeps harassing that I owe them money!! I have asked them to provide me with the original contract with my signature which they can't provide. They changed there name so that they can collect and steal money from people. I want them shut down and put out of business!! I also want to be paid for them putting something on my credit report that is not legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Last XX/XX/2022, PayPal sent an email saying I can no longer do business with PayPal for violating their PayPal Acceptable Use Policy. And they gon na hold my funds worth XXXX XXXX XXXX for 180 days, I was so shock. I tried to search for their customer service, I only found their XXXX support & they can't even do anything about it. I left most of my money on PayPal because i thought they we're trustworthy, which is my big mistake. 

As I did research about this company, I found that it happened years ago and still happening especially now that it's recession, their victims are getting higher. Everyday, they are taking money to their clients without enough evidence and without any warning. 

As I did research i found a solution to get my money back, by refunding my clients & asking them to send my money to different payment method. But only half of them paid me back. I already lost like XXXX XXXX because of it. Now, my PayPal balance is only XXXX XXXX. 

I was so XXXX  the first week that it happened to me, I feel like a XXXX. My PayPal account is clean, I don't have any disputes. How can they blackmail their clients using their terms & agreement. 

I hope you gon na help me about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2019 at approximately XXXX I applied for a business credit card online through spark capital one. The application asks for my EIN number. It also asks for my social security number under the owner. When I put the cursor on the? under ss. It states that it was only asking for your social security number for identification purposes only. As soon as I submitted the application, I got an email on my credit alert. It stated I received an inquiry and my credit went from exceptional to good because it lowered my points with the inquiry. I called Capital One immediately and was told that this was part of the process. I explained to her that it was misleading. I have 4 cards with capital one already and this account was strictly business. I pride myself on being responsible with my credit and not over using not getting too many inquiries. She would not remove it saying this is the process. I NO LONGER WANT a business card with them. I am LIVID!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CAVALRY INVESTMENTS, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted Calvary Portfolio Services a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to Calvary. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: DE
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 2022-04-27
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, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: Avant Holding Company, Inc.
State: CA
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:
XX/XX/2023 I received information via email regarding a credit card application that was submitted to Avant, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX. This complaint is regarding an unauthorized fraudulent activity that my credit agency have notified me with since they declined Avant the company. I, the consumer and owner of the credit personal identifiers ( social security number, and name and other associated identifiers ) did NOT send this company a credit card application. I have already notified a customer service representative from Avant about the fraudulent activity and they said to send and email to XXXX which the consumer have already done so within the same business day. Please do not contact the consumer again nor send an application for a credit card without consumer consent in writing with a legal wet signature with proof of legal ID. There are too many fraudulent digital credit card companies since covid and this company activity from Avant is one of them.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 explanation
Consumer complaint received 2022-04-27
Company: CORELOGIC 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:
Hello, In XXXX of XXXX  I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, 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