BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/2017 I purchased XX/XX/XXXX XXXX XXXX from XXXX XXXX through ally Bank with a XXXX   down payment, but instead I was sold a Lemon for XXXX for a XXXX  mile vehicle with all kind of problems from the flood lights dont come on, tires, brakes wind sheild wipers, car smells like oil is leaking in which it was, tail pipe rusted been under water before, smells molded and smelly when you turn Heat or Air on and also paid XXXX for over a year and half of the payment was interest and I had been spending on this vehicle since I had it they told me when I took it for maintenance they found other issues and I also told the manager of the dealership about these problems and also contacted the XXXX and they still didnt correct all of these problems I am mentioning so I got sick back in XXXX  and had to Bankrup, but the Co-debtor still paid the note and the car was taken to the shop again and they said it was other issues again with the car and we were sold a Lemon. so on today a Man from a Repo company came out to pick the car up in which I have not been driving, because of danger issues and recalls and the man was very nice and rung the doorbell in which we been home everyday due to my major medical issues and he told me that Alley Bank told him we were violent and he said to us we were nothing like they described and we have been here everyday, I don't dodge people and he saw that we were voluntarily giving him the keys for something not able to drive anyway, but I feel we were sold a lemon with half of the car note was interest that the making off of us, for a Lemon that they knew they had issues with for XXXX. Also contacted the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Inaccurate Inquiries on Credit Report XXXX  ( Finance ) XX/XX/2022 XXXX  XXXX XXXX  ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 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 2023-07-11
Company: EQUIFAX, INC.
State: AZ
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
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: Information belongs to someone else

Complaint:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: W&A Intermediate Co., LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I wrote to Wakefield & Associates6 requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. They continue reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2018 I withdrew cash from my bank atm {$3600.00}, immediately i went to the teller to deposit it. The teller took the cash and counted it with a cash counting machine behind him. He tells me that the amount of cash i gave him was less than the amount i want to deposit, {$3500.00}. I told him that can not be because the money was just withdrawn from the bank atm and brought to him right away. He counts the money again in another machine and comes up short again. The branch manager counts the cash and he also comes up short. Somehow the missing cash was lost when i gave it to the teller because i did not drop anything between the atm and tellers desk, my husband was with me throughout the whole event. The branch manager said they can do an audit on the atm to see if there was a overage. XX/XX/XXXX i called the branch and rep said the audit came up normal, no overages. The rep said they would conduct a investigation on the teller and look at video footage from the day cash went missing. I called several times and emailed the rep and branch manager to get a status report but they ignore me and do not respond. It seems like they have stopped any investigation in my case. I feel like the teller stole my cash and the branch is covering it up by not contacting me. To this day I am still short {$100.00} and waiting for a response from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: AK
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 have filed a dispute in regards to the incorrect items on my credit report and its been well over 60 days and I haven't received any investigation results. Also the disputed accounts are still being reported on my credit reports and the company has yet to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature, As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Sect ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: NJ
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : Account Name : XXXX Account number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : XXXX 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. States a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ). 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 2023-10-10
Company: EQUIFAX, INC.
State: MD
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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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: Personal information incorrect

Complaint:
Equifax is reporting inaccuracies, Incorrect, Unverified and Unauthorized accounts in my report. I have been sending letters to the company since XXXX Equifax  - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX It is over 30Days and no response or report of investigation, According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 30days, so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them immediately.

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 2023-05-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally request the removal of late payments and inaccuracies associated with my account number XXXX from my credit report. These discrepancies violate the provisions of 15 U.S.C. 1681a, which safeguards my right to privacy and accuracy of information.

2. XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. XXXXXXXX XXXX XXXXXXXX 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.

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. 

I trust that Equifax, XXXX and XXXX will handle this matter with utmost diligence and adhere to the requirements outlined in 15 U.S.C. 1681a. The accurate representation of my credit history is essential for my financial well-being, and the removal of late payments and inaccuracies is crucial in upholding the integrity of my credit report.

Thank you for your prompt attention to this request. I kindly request a written response confirming the actions taken to address the violations of 15 U.S.C. 1681a within a reasonable timeframe.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 first started working on my credit in XX/XX/XXXX I had a collection on my report from XXXX XXXX for a XXXX account that was listed under a name that I had never done business under, XXXX XXXX ( my maiden last name is XXXX ). This account did not belong to me, I disputed it and it was removed from my report. On XX/XX/XXXX I received an alert that this debt was added back onto my Transunion credit report from a company by the name of XXXX XXXX XXXX. I disputed it right away as this debt does not belong to me AND I was never notified of this debt being re-inserted onto my report, which legally I am supposed to be notified in writing by the credit reporting agency within 5 days that something will be re-inserted. Transunion failed to send me anything regarding this. I disputed it right away with Transunion stating this and that the debt does not belong to me and after only 4 days of investigation they have returned the result that this debt has been verified as accurate. This debt does not belong to me and was illegally re-inserted on my report. In addition I have received nothing in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation of this debt.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to promptly update my account as I have consistently made timely payments

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 2021-07-22
Company: Experian Information Solutions Inc.
State: WA
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:
This Mortgage was supposed to be protected by the CARES Act and was supposed to have payments paused during the pandemic. My other mortgage had the payments paused, but this one didn't even though I called them, requested it and was approved. I have reached out to them and they acknowledged it was a mistake, but they have yet to fix it on my credit report. Now it's reporting late and I have no way to refinance and pay off this loan.

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 2020-06-05
Company: FIFTH THIRD 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:
I have acct with fifth third bank opened XXXX XXXX But I see additional hard inquiries prior to opening this acct and past opening this acct. There should only be 1 hard inquiry on my credit report but there are 3. I only authorized " 1 '' hard inquiry within XX/XX/XXXX any other inquiries are fraud which I did not authorize. The inquiries in question are dated for FIFTH THIRD BANK For Dates XX/XX/XXXX & XX/XX/XXXX This accounts and Date XX/XX/XXXX I did not do business with this organization and/or did not authorize my credit file to be pulled. On date XX/XX/XXXX I did not give my permission to pull my credit report. I have contacted fifth third bank by phone on 3 occasions and i have received a letter from fifth third bank XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX stating they were verified and correct. I do formally request to show proof of signature that I did give authorization and /or permission to perform a hard inquiry on my credit file. I this proof can not be given i demand that they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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