BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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. 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 2023-02-16
Company: Upstart Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had a loan previously with this company Upstart. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use Upstart. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXX ) since XX/XX/XXXX. I have sent letters and made calls to Upstart. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Reporting Act, XXXX XXXX Partial acct # XXXX..., has violated my rights. 15USC 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 an account without my written instructions.

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

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.

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 2022-02-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I attempted to access my account, could not, and was directed to contact the bank. I did on XX/XX/XXXX, and upon doing so learned that I was the victim of a scam, and as a result my account was on hold. I asked for details about the hold and was informed there would be an investigation, which would result in a restoration of my account or the account would be closed. I was also informed that restricted actually meant locked out completely. Even previously approved transfers would be declined. I then asked if they could expedite the process and close my account immediately so I would not be harmed by late payments, and was refused. At that point I asked for documentation explaining the hold. They refused. I called again on the XXXX and XXXX and was again told they would not release my funds. 

This action is prejudicial and harmful. Since the hold was placed I have missed student loan payments, credit card payments, and was unable to pay my XXXX rent. Ally has experienced no harm. The checks were declined, and no funds were spent outside of the funds I had before the scam. Ally failed to inform me about the hold until harm had been done. The one piece of outgoing communication that I received was not sent until XX/XX/XXXX, several days after the hold prevented my payments from being paid. 

Ally claims that the worst case scenario is closing my account, but continues to refuse to do just that. While I am unable to pay bills, they continue to earn interest off my checking and savings accounts. My credit is being negatively impacted in a serious manner. While I understand the importance of investigating fraud, they have not provided a satisfactory justification for continuing to hold my funds hostage. I have offered to provide additional information about the scammers, but they declined. I have text messages, a phone number, and additional checks that I never had the opportunity to deposit, which they were uninterested in, though they would certainly aid any investigation. 

I believe they are acting in bad faith, to my disadvantage, because they have not provided a legal basis for their actions, saying only that it is the banks protocol. I would like to know what my rights are, if any, and what remedy I might seek after the fact to make me whole when Ive suffered great harm to my financial situation and credit profile. 

Thank you.

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 2023-07-20
Company: Bread Financial 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: Account status incorrect

Complaint:
I have made several payments to XXXX XXXX and yet their payments will never pass through my bank at XXXX  I had to stop payment on them contacted XXXX will not work with me the case is still under investigation according to XXXX I just got off the phone with a representative and yet theyre reporting major derogatory information on my name while its still under investigation they also have a representative calling threatening to come put me in jail, lock me up whatever it is to collect this money for this credit card, when its still under investigation I have the recorded messages I have the letters from my bank for my bank is tried several times To clear this case up in XXXX XXXX refuses to work with me or my bank they would rather report me as a bad consumer Im sure you guys allow this for companies helps them not me its destroying my credit and yet all my other cards are being paid through XXXX  in the same manner Im tired of being harassed by their phone calls every day XXXX times they call back for XXXX times numerous throughout the entire day. They make sure they call XXXX times back to back before they hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I was calling a lot to this company " Marcus by Goldman Sachs '' ( XXXX XXXX ) since opened the Savings account. 
I told the lady who answered my first call with very bad mood that she should be well educated first on how to response a customer. I felt offended as I am not a native person speaking XXXX. 
So I tried to close the Savings account and get returned my money back. 
They stopped twice and told me that it was a fraudulent activity from my side and block the online access. 
I received emails saying that my XXXX account was closed and I never received any other information regarding where is my money. ( over {$10000.00} ) I called so many time and they denied my on-line access even I told them they are doing such illegal thing to me. 
Should I be treated like this because just I am an XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: CT
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely and caused an immense amount of stress due to being denied credit for obtaining a vehicle.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: IL
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 was engaged in a dispute with XXXX XXXX and XXXX concerning a booking with XXXX XXXX. The disputed charge was resolved by XXXX XXXX XXXX. A refund was issued to XXXX and subsequently XXXX issued a refund to XXXX XXXX to resolve the dispute. My credit reports improperly reflected the situation. The XXXX XXXX charge that I refused to pay was not a legitimate charge by XXXX. I have tried to engage XXXX, XXXX and Equifax and have been unsuccessful or they don't care to reflect the correction this situation requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: General Motors Financial Company, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a response for my previous complaint that said GM Financial has sent a response to the consumers complaint offering an explanation of the account status and a point of contact for follow up questions. 
Also it said GM Financial has submitted a request for an account adjustment per the consumers correspondence. In the response Gm financial stated : On XX/XX/XXXX, a cease and desist of telephone communication was documented to the account to ensure you do not receive further telephone calls, as requested. While you XXXX no longer receive telephone calls regarding the status of the account, GM Financial will continue to communicate with you to the extent allowed by law. You must contact GM Financial if you want to remove the do not call status from the account so that we XXXX contact you again at the phone number you allow. But the cease and desist letter I sent clearly stated to Please cease and desist all collection activity regarding this account immediately. 
XXXX XXXX XXXX ( c ) Ceasing communication Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. 
Also gm financial XXXX GM Financial is required to report truthful and accurate information to the credit reporting agencies. We reviewed the account data sent to them and determined the information is accurate. 
On XX/XX/XXXX, the date we last reported, the account status was charged off with a {$18000.00} deficiency balance and an account payment history of XXXX, XXXX and XXXX. The date of the reported delinquency is XX/XX/XXXX. As a result, we are unable to make any changes or deletions to the credit bureau reporting of your account which is done in accordance with the Fair Credit Reporting Act ( " FCRA '' ). but upon checking my credit file the last reported date was in XXXX of XXXX also the date opened on all three are completely different, and the date of last activity are also completely different on all XXXX credit bureaus. The response also stated that gm financial sent an adjustment request to the credit bureaus but there has been no adjustment made. Exactly what adjustment is suppose to be made?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
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: Public record information inaccurate

Complaint:
Ive contacted Equifax, XXXX, XXXX repeatedly by phone and letter, disputing the inaccuracy of the Bankruptcy information that they have listed and asking Equifax, XXXX, XXXX, how it had verified the statement. The source-disclosure did not provide accurate reporting, and reinvestigation provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681g ( a ) ( 2 ), 1681e ( b ), 1681i ( a ) ( 6 ) - ( 7 ), to a credit reporting services actions. Ive requested that this information is either corrected or removed.

I have provided proof from the courts to show the Bankruptcy Court Docket did not reflect the information listed on credit file.

Section 1681i ( a ) ( 1 ) concerns a consumer reporting agencys general obligation to reinvestigate information a consumer disputes as inaccurate or incomplete in his or her credit report. 
Equifax, XXXX, and XXXX continue to violate various FCRA provisions by persisting in publishing this report and failing to follow certain of the FCRAs procedural notice requirements. 
The FCRA was enacted in 1970 amidst concerns about the accuracy of information disseminated by credit reporting agencies. If a reporting agency willfully fails to comply with any requirement of the FCRA, it may be held liable for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer, as well as potentially for punitive damages. 15 U.S.C. 1681n. If a reporting agency negligently violates a provision of the FCRA, it may be held liable for actual damages arising from the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. 

Remove late payment on this Account XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Opened XX/XX/XXXX XXXX. ( XXXX showing XXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: OH
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:
I cheeked my report an I have unauthorized inquiries that I didnt apply for I sent letters to XXXX Equifax XXXX XXXX I told them I did not inquire for anything an they still havent removed these inquiries from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in deleting fraudulent accounts from my credit report. After reviewing my credit reports from the three major bureaus ( XXXX, XXXX, and TransUnion ), I noticed the presence of three fraudulent accounts which have severely impacted my credit score. 

The fraudulent accounts are as follows : XXXX  - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX I have reason to believe that these accounts were opened fraudulently without my knowledge or consent. I have never had a credit card with XXXX XXXX or XXXX XXXX XXXX XXXX, and I have never authorized anyone else to open accounts on my behalf. 

I firmly believe that I am a victim of identity theft, as I have always exercised utmost caution in safeguarding my personal information. However, despite my best efforts, I have fallen victim to this sophisticated scheme. The perpetrators have evidently manipulated and altered my personal information to create these fraudulent accounts, which is why I had not noticed them until now. 

As a result, my credit score has been negatively impacted, and I have been denied credit and other financial services. This has caused significant stress and hardship in my life. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. I am also aware that the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies within 30 days of receiving a dispute. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate these fraudulent accounts and require the credit reporting agencies to delete them from my credit report. I also request that you take any necessary legal action against the individuals or entities responsible for opening these accounts fraudulently. 

I appreciate your attention to this matter and look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, 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