BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
About 4 months ago I put my house up for sell I've owned for 20 years, and my title and escrow company advised me ( when I had a buyer, who backed out by the way ) that that creditor and/or it's 3rd party lawyer group by the name " XXXX XXXX '' has a lien on my property and their demand is for XXXX dollars! This can't be legal and they have cost me several buyers to come and go, not to mention putting me now into foreclosure, two modification processes through mortgage company, stress and severe hardship, and more! All the while before all of this I attempted contact just to try and verify or correct any wrong information about this creditor and they have ignored me completely making it impossible to remove the lien and continue with what has been a very important attempt to sell my property for personal and financial reasons! I had also contacted " American General Financial '' a lender that 14 years ago, I had a loan of only XXXX with XXXX down on a tou hauler and 9 out of the 12 months of payments. I voluntarily repoed a toy hauler to after having for only one year and they auctioned off a month or so later and sent a letter saying so and the auction price was for an additional XXXX on top of what I had paid. So by XXXX they said they had no record of me whatsoever, and also their name had changed and was no longer American General Finance. So this bogus lien, and an amount I've never borrowed is completely wrong and insane! So of course there was no way I could help myself finacially or benefit with an amount like XXXX ( as far as I was lead to believe anyway ) coming out of my potential equity of sell. This has to be illegal and I hope to hear that I can sue them for the insane hardship, financial burden, loss, major stress, etc they have and are still are putting me through! 
I will send Title company info below etc. Please help!? Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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:
Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now

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 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir or Madam : This is regarding my American Express XXXX XXXX card. I purchased an XXXX TV XXXX for my mother in XXXX and paid on XXXX via XXXX, which was charged to said Amex credit card. The total was XXXX USD. The package in XXXX never arrived and the tracking of the shipping company XXXX shows that it was sent to the wrong address ( a parcel locker or XXXX XXXX XXXX. I must have been scammed by the private XXXX seller. American Express reviewed the case 3 times (! ) and concluded each time that I must have received the item because XXXX tracking said " delivered '' although it showed the wrong address every time. The American Express dispute ID is " XXXX ''. 
I would like to file a complaint now because American Express is not protecting me as a consumer during my online purchases even when the seller/vendor is shipping items to the wrong address ( on purpose ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent letters to the 3 credit reporting agency 's asking them to show me how they verified a debt for disputed debts they always responded " verified by lender '', when the creditors themselves dont respond to debt verification the accounts I asked where is the verified debt information they received so I may validate the claims. None of the credit agents have responded. It has been over thirty days

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: 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:
On XX/XX/2023 received a letter indicating Notice of Data Breach with 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 2023-07-13
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: Account information incorrect

Complaint:
I reviewed my credit report and noticed that some payments were being reported as late on my XXXX XXXX credit card. So, I immediately called my creditor and informed them of the matter. I even spoke with a higher up head person in charge at the time and was assured that they late payments being reported were false and that on their end everything on their system is showing as on time. Now I know I immediately called the credit reporting agencies and informed them of the matter. I requested that they investigate this matter properly and DELETE the late payments being reported or Update my account but rather than doing that they did nothing at all. They kept all the information the same and placed a marking on my profile as UPDATED. They clearly did not investigate the matter properly and decided to properly report false and inaccurate information on my consumer credit profile. 
I was also informed while on the phone with a representative that due to the COVID 19 pandemic for such period of time they do not report late payments on the consumer report so if there were any late payments being reported they are inaccurate and that they should not be reflecting on my consumer credit file.

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 2020-02-24
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received a letter in the mail for {$5700.00} that we do not understand from Quantum Collections. We called and asked if we could get a breakdown on why we had such a bill, the gentleman on the other end agreed and said that he also has requested this from the property management office and assured us that he will be sending that breakdown out to us within the next 7 days. He also agreed that it was important that this information be visible before any action can be taken. 
Alarmingly, this amount has appeared on our ( myself and wife ) credit report with out any clarity on what constitutes this bill. 

At this time we are forced to believe that this bill is falsified and an attempt to extort us ( because he offered us a 50 % one time deal ) knowing fully well that we are immigrants.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and

the PERSON making the report is not included on the consumer reports! These four items on my credit report have damaged my livelihood and reputation for getting credit lines

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
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
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-13
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: Account status incorrect

Complaint:
I have sent out validation letters for these companies to validate my debt. The validation is inconsistent with what they have sent in return. ThXXXX companies are listed below 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 ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The accounts are highlighted in the attachment

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 2023-04-01
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally offered a cash bonus program : enroll by XX/XX/XXXX, confirmed by email move money by XX/XX/XXXX, moved {$50000.00} on XX/XX/XXXX keep money in account thru XX/XX/XXXX, confirmed 1 % bonus ( XXXX ) to be paid on or by XX/XX/XXXX Corresponded 4 times with Ally on why I have not received my bonus payment this is response I keep receiving : Dear XXXX, Thank you for taking the time to contact Ally Bank. It is my pleasure to assist you today. I apologize for the delay in my response to your message and any inconvenience it may have caused Thank you for contacting us to let us know about your negative experience with Ally Bank. I apologize for any inconvenience that may have been caused. Customer satisfaction is important to us, so we take all complaints very seriously. 

I am sorry. Your inquiry is being researched. Due to the popularity of the incentive and specific nature of the inquiry, we can not provide a turnaround time at this time. Your request is a priority, and it will be worked in the order in which it is received. Your reference number is XXXX. 

We appreciate your business and want to thank you for choosing Ally Bank. If you have any additional questions, we are here for you XXXX hours a day, XXXX days a week, by phone, Live Chat, or Secure Messaging. Our toll-free number is XXXX ( XXXX ) or you can visit us online at ally.com. 

Sincerely, XXXX Customer Service Ally Bank

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 monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian dated XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my 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 creditor If you do not authenticate these accounts, I will take legal action against you. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to formally lodge a complaint regarding the presence of fraudulent items on my credit report. Specifically, I have identified inaccurately reported addresses and unauthorized inquiries that are adversely impacting my creditworthiness and causing significant concern. This letter serves as a formal request for the immediate removal and correction of these erroneous entries. 

The fraudulent items on my credit report are as follows : Inaccurate Addresses ; XXXX XXXXXXXX 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. 

I dispute the accuracy of these addresses as they are not associated with me in any way. It is crucial to maintain the correct address information on my credit report to prevent any potential identity theft or fraudulent activity. 

Unauthorized Inquiries : XXXXXXXX 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 

I have not authorized any of the above-listed inquiries, and their presence on my credit report is of great concern to me. Unauthorized inquiries can negatively impact my credit score and suggest potential fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The presence of these fraudulent items not only violates the FCRA but also poses a risk to my financial security and creditworthiness. 

I kindly request that your agency conducts a prompt and thorough investigation into these fraudulent items, including the inaccurate addresses and unauthorized inquiries. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my financial history. 

Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information to prevent the continued dissemination of these inaccuracies. 

I expect your agency to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal and correction of the fraudulent items from my credit 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