BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Monday XX/XX/2023 at XXXXXXXX XXXX I received a text from my mom that my uncle was expressing he was tired of receiving calls from XXXX which sounded like a collection call. I called the number to find out it was Ally Financial which I had requested to cease and desist all calls a month or two prior. My uncle is a distant relative we dont speak to so I am very upset he was called especially after I requested cease and desist. I never used him as a reference. Ive spoken to ally financial about my unfortunate circumstances and understand I have an obligation to pay my debt. Ive experienced medical, loss of income and increase in expenses as my credit which used to be in the XXXX can reflect that. I am stressed out and the calls puts more stress on the situation. 

I was being refused a manager saying one was not available. I said I will wait finally got a manager who denied me a number or address for me to file a complaint on still receiving calls on cease and desist account. All calls are monitored recorded so this can be confirmed. The manager would not provide me info just said hed take my complaint and feed back I expressed to him I wanted to escalate it further. Then call went real silent. 

I had to do research to find this consumer finance protection site to file a formal complaint.

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 2021-05-12
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:
There was an Unauthorized inquiry from XXXX XXXX furnished on my consumer report back in XXXX, XXXX. I informed both the consumer credit reporting agency and XXXX about the fact that my right to privacy as a consumer was being violated and that they were both in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my TransUnion consumer report from an Inquiry dated XXXX without my authorization or a permissible purpose. XXXX has sent me 2 letters stating that the inquiry would be removed within 30 days which has not happened the first letter dating back to XX/XX/XXXX and the latest XX/XX/XXXX. At this point Transunion is also in violation for willful noncompliance, in Fact, I have submitted multiple disputes via certified mail # XXXX and Transunion has failed on multiple occasions to remove the inaccurate information therefore they are in violation of 15 U.S. Code 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1. ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not mor than {$1000.00} ;

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 2023-08-18
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple Credit Inquires with no permissible purpose on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent ARS Account Resolution Services a letter on XX/XX/XXXX requesting they verify the validity of debts reported on my credit report. They have failed to respond or provide me such verification. I checked my credit report today and they have added yet ANOTHER account to my credit report between XX/XX/XXXX and XX/XX/XXXX. In which I did NOT receive any notices which they are required to do : Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection agency is ARS. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX 

Upon further research of this company I have found that they are not licensed in the state of Florida to collect debts in which I have proof of.

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 2023-08-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, 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:
Equifax credit score has n0ot updated on any credit monitoring site

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, my debit card was used at an unknown location, for which I did not recognize. The transaction for XXXX XXXX  caused my account to be overdrawn by a very small amount. I immediately contacted Discover upon viewing the suspicious transaction. The agent " XXXX, '' refused to cancel my existing card to my shock and horror, and started acting in a really condescending and accusatory way telling me she refused to cancel my card until I paid them back for the fraud. 

Never have I ever been scammed like this for one with an obvious fake card, but also never been so blatantly extorted for money on top of it for the fraud committed against me. I am beside myself with what has gone on here, that not only was my money not protected, but that also I am not being treated like the criminal at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a XXXX XXXX XXXX XXXX repossessed by Wells Fargo in XXXX despite having a payment plan set up with them due to financial hardship and owing less than {$2700.00}. The payment plan had been agreed upon and I received no warnings at all. I had been making on time payments since XXXX until the pandemic hit and had a balance left on my loan of only {$2600.00}. I believe my car was illegally repossessed since I had spoken to multiple representatives about the payment plan I had in place.

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 2023-02-13
Company: MIDFIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I previously modified my mortgage through Midland Mortgage during XXXX due to financial hardship. During the application process I was informed from Midland Mortgage that no negative credit reporting would occur. That was correct and Midland did modify my mortgage XX/XX/XXXX and no negative reporting occurred during this process. Unfortunately the monthly payment was not reduced and actually increased due to an escrow shortage. I reapplied for mortgage assistance XX/XX/XXXX looking for a payment deferment or other options while I contemplated putting my home up for sale. At application, I also inquired about negative reporting during the application review period and an associate ( i will not name ) of Midland Mortgage informed me that there would be no negative reporting during the application process. The bank kept on requesting documents and a second phone call on XX/XX/XXXX also yielded the same response that Midland would not report negative late payments during the application process. I also have the name of the person that I spoke to from Midland. In XX/XX/XXXX I ultimately sold my home and the loan was paid off in full. A recent check of my credit file showed Midland reported me 30 days delinquent in October 2022, 60 days in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. This has a devastating effect on my XXXX score and my inability to secure financing in the future because of the erroneous information Midland Mortgage provided me both at application inception and during the review period. I in good faith sold the home and paid off the mortgage in full ( it was not a short sale ) and Midland Mortgage did not act in good faith by providing me incorrect information. I would like this resolved.

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 2023-03-05
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I just found out Pennsylvania Higher Education Assistance Agency ( Pheaa ) does not have a license to do business in Michigan. Pheaa has been Revoked from Michigan since XX/XX/2014. The Department of Education canceled Pheaa license as federal servicer. Why did you not tell me this Pheaa?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Identity theft cause me not to be able to open a bank accounts

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/2021 - I filed dispute in regards to the incorrect items on my credit report. it has ben well over 30 days and i haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: TN
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 disputed a fraudulent account that was also a breach of contract (company sold the debt and I never agreed to nor was informed of this) with Experian. Not even a week later they emailed me stating that the fraudulent account will remain on my account. I called a a couple days later requesting a copy of the dispute, what they told the company, and what the company said and they claimed their terms of service does not allow them to do that. I called XXXX and XXXX and they both said yes they would give me that information if the case was not open, so I do not see why Experian would refuse me access to information that is vital to my credit and is part of my file which is mine to look at whenever I choose. I asked to speak to a supervisor and the rep argued with me until finally giving in. I was on hold for over 15 minutes when someone picked the phone up and hung up.

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 2023-08-18
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 want to submit a complaint about my credit report information that is questionable. I would like to dispute certain account in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wrote synchrony bank/ Chevron XXXX XX/XX/2022, to request a goodwill adjustment on an account showing XXXX late payments. They wrote me back stating they can not honor my request. However, after doing some research in consumer law, I have come to realize that it is and was synchrony bank/ chevron obligation to remove the late payments. According to title 15 USC 1666b ( a ) A creditor may NOT treat a payment on a credit card account on a open end consumer report as late for any purpose. And according to title 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report DOES NOT include transactions, including late payments or experiences between the consumer and creditor or person making the report. Therefore, synchrony bank/ Chevron has violated my consumer rights when this account was opened by reporting late payments to the credit reporting agencies. They are still reporting these late payments today. If the removal of the late payments is impossible due to the account being closed, I request that synchrony bank XXXX Chevron CEASE REPORTING THIS ACCOUNT TO THE CREDIT REPORTING AGENCIES. I also know that any creditor needs my written consent to report my information to credit reporting agencies. The violations they have incurred is {$1000.00} each. I have enclosed my invoice for the violations. I will settle for payment of {$1000.00} of the invoice charges ONLY if synchrony agree to REMOVE ALL LATE PAYMENTS. IF THEY CAN ONLY DELETE THE ACCOUNT, I WILL SETTLE FOR {$2000.00} in monetary relief for violating my consumer rights. IF THEY CAN NOT COMPLY WITH ANY OF MY REQUEST CONCERNING THE REPORTING OF THIS ACCOUNT, I WILL NEED {$4000.00} for the violations. Please Make check payable to 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 this creditor has violated my rights in 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen. Have a police report and have tried multiple times to show them that this was identity theft. They are saying that it has been longer than a year and that I received services from this card. I have never had a synchrony card and have showed them multiple times this is identity theft and they will not take the police report. Again I have never had and never asked for a credit card I also had 7 cars that was bought with my id and multiple other identity theft in this same time. 
I have multiple faxes from where I sent police report and they will not accept. 
Every time I call them and start a fraud account they say and investator will call. I have only talked to 1 investigator and she told me she would call me back but never did.

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 2023-09-21
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, DISCOVER BANK, is attempting to collect a debt from me that I do not owe. I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX  and XXXX  are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/ XXXX congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe 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. Payment is legal tender for public and private debts. 15 USC 1681 c2a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX You are in direct violation of The Fair Credit Reporting Act XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.

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