BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: ALLY FINANCIAL INC.
State: OH
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 have several negative payments reporting with Ally financial during a period of XXXX XXXX XXXX. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i sent a letter out XXXX XXXX to XXXX, TransUnion, XXXX and the Creditor. Here is my tracking XXXX, XXXX. However, its been more than 30 days and the credit bureaus and creditor failed to send my investigation back. This is not making any sense. 

According to the law 15 USC 1681i Permissible purpose of consumer reports- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer and the notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have send roughly ( 5 ) FTC reports pertaining to XXXX XXXX which is a credit card that has been showing up on my report, Furthermore, Trans Union correctly continues to remove the account, however it also continues to allow XXXX XXXX to continue to reinsert the account into the report after it has been removed for fraud. Therefore, it does not seem to be permanently deleted as XXXX XXXX continues to abuse the credit reporting process as Trans Union has not taken steps to curb this conduct by XXXX XXXX. I have since sent in another FTC report with the same information to be deleted.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: OK
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:
Disputed a collection account from XXXX XXXX XXXX through all three credit bureaus. The collection was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX from unpaid electric bill attached to a leased residence that belonged to a family member, that I had never resided. 

I disputed the same collection account with XXXX, XXXX XXXX XXXX, and the credit bureaus, with only XXXX removing the collection from my respective credit report with them. XXXX did see that my family members name was indeed on the account as the one leasing the residence and considered it resolved. Although I continued and attempted to pay the debt, I still wanted the collection removed from Experian or XXXX, or at least move the collection to the family members report.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/2020 I disputed the validity of my bankruptcy to XXXX, XXXX, and Experian. All 3 bureaus in XX/XX/2020 replied that they verified my bankruptcy through a 3rd party vendor XXXX XXXX. I find that hard to believe since a security freeze was placed on my XXXX XXXX file in XX/XX/2020. There is no way the credit bureaus verified my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 U.S.C. 1681 According to : 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2017-12-29
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX XXXX is an authorized user on my XXXX XXXX card account in XX/XX/XXXX.  He signed up for XXXX XXXX to assist with damaging items on his credit report. XXXX XXXX was arrested on XX/XX/XXXX and was sentenced to one year in jail on XX/XX/XXXX. I requested to have my credit card removed from his account on XX/XX/XXXX since he will no longer be needing the services of an XXXX XXXX. I contacted XXXX XXXX explain to them the situation and they stated to me that I would need to provide power of attorney in order to have my credit card removed from his account and refund me XXXX for XX/XX/XXXX. XXXX XXXX sent the power of attorney to me which I provided to XXXX XXXX and they remove the credit card information from the account, but did not issue a refund. I am requesting for my money back because I clearly stated to XXXX XXXX that he was just an authorized user on my card I am the primary account holder I no longer want to be charged {$110.00} per month for an account. 
I called XXXX XXXX on XX/XX/XXXX regarding my refund and the customer service re tells the power of attorney is still is review ( since XX/XX/XXXX )  and I was need to call back again to find if i can get a refund even though an email was sent to XXXX XXXX 's account on XX/XX/XXXX removing my card ending in XXXX from his account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NJ
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:
A collection account from XXXX XXXX XXXX is continually being reported on my credit report. Under section 15 USC 1681b it is illegal for the company to report any of my personal information to any agency without permissible purpose. 
I have never had any agreement with XXXX XXXX XXXX and do not owe them any debt. 

I have brought this up up with the credit bureaus numerous times and it seems my disputes are being disregarded so I am coming to you for assistance in this matter.

I am requesting that the bureaus be instructed to cease in posting information to my credit report obtained by illegal means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I became aware of this account when I was in college and pulled my credit report for a new apartment. That was the XXXX  time I reported this account as fraud and filed a dispute. I have also spoken with the original creditor both Belk and Syncrony to notify them that I did not open this account and it had to be some sort of fraud activity. That was also when I locked my credit report. Since then over the years I have disputed, and called numerous times to get this taken care of and resolved. Now I have been receiving numerous calls from debt collection numbers hassling me to pay these funds that I never received in the first place. I will now be taking this to litigation

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 2022-11-23
Company: Experian Information Solutions 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:
Ive sent multiple cease and desist letters to XXXX XXXX already with no response. This is what is in the letter and what you need to send to them. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Georgia [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation XXXX  out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. 

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. 

( Janetos v. Fulton Friedman & Gullace , LLP. 825 F3d 317, 325-26 ( 7th Cir : 2016 ) *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing Pollice, 225 F.3d at 404-05. ) Respectfully, 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 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN 's duty pursuant to the FCRA is to be reporting correct and accurate information on my credit report and file, however they are NOT. 
EXPERIAN is reporting an inaccurate late payment for the XXXX XXXX XXXX account beginning XXXX. They show a 30 day late payment posted in XX/XX/XXXX. This is incorrect and supposed to be reported as PAID AS AGREED and this account should no longer appear on any credit reporting as it is CLOSED. I disputed this with them directly XXXX, XXXX. Furthermore, pursuant to 15 U.S.C.

1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes this late payment resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2021-07-21
Company: WELLS FARGO & COMPANY
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:
reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft WF BANK NA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to TransUnion Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Please the summary of the negative accounts below ; XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$650.00} US DEPT ED XXXX Balance {$4200.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$230.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$2200.00}

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 non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello there, I initially sent this message with a previous report but XXXX responded and let me know that their issuing bank XXXXXXXX XXXX is the one reporting to the credit bureau. 
A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX XXXX XXXX of every month depending on how long the month was. On XXXX XXXX XXXX XXXX XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX XXXX XXXX XXXX and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX XXXX and XXXX that I had a high balance on my XXXX. I immediately contacted XXXX told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and Equifax. 
I lost XXXX points on Equifax and XXXX but XXXX fixed the issue the very next day. Every time I contact XXXX  about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had XXXX XXXX shout on me and place me on endless holds. Today XX/XX/2023 they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, vantage and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. Id really appreciate it if something can be done about this since XXXX XXXX is completely incompetent and has refused to do their job. 
My fico and Vantage scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. What is the point of having a statement date if they keep reporting to the credit bureaus whenever they please. It means in essence Im not supposed to use my credit card, whats the point of having one if they keep doing this. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team. 
Thank you!

Company response to consumer: Closed with non-monetary relief