BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: VALLEY NATIONAL BANCORP
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:
To whom it may concern : According to 15 U.S. Code 1681C-2 consumer reports reporting agency shall block the reporting of any information in the file of a consumer that the consume

r identifies as information that resulted form an alleged identify theft, not a later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am victim of identify theft! please delete the items immediately! These accounts should not be furnished on my consumer reports as they are in VIOLATION under 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it
relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Along with this letter I have attached supporting documents in order to update my file. It is important that I recover the credit score. If you have any questions please feel free to contact me at the information above

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: ERC
State: KY
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:
XXXX   XXXX   XXXX  will not give me credit for equipment and payment. They continue to keep reporting that I owe them and I do n't. I paid them and returned equipment  XXXX   XXXX ,  2014

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$3000.00}

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 2017-03-28
Company: Investment Retrievers, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Investment Retrievers states that they will " recommence attempts to collect '' on a debt that has been disputed previously ; the letter states " attached is verification of debt '' but no attachment is present, i.e. they have no actual information other than my name and some bogus account number. 

Regardless of what information they may or may not have, they were previously informed that this debt is time-bared based on the date of first delinquency of the original creditor of the linked account # reported on my credit ( XX/XX/2010 ) and my state of residency ( NV, 6 year statute ) and told not to contact me further per the FDCPA. Despite the information on my credit report, I continue to assert that the debt is not mine. 

Specifically I am invoking 805. Communication in connection with debt collection - " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' ( with specific exceptions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently lost my job and I had around XXXX left in my savings! NAVY FEDERAL CREDIT UNIT made an UNAUTHORIZED transaction of $ XXXX from my savings account to my checkings account so that they could process an auto-payment for a 3rd party account that had been charged off months ago. I call them to see what they could offer and the answer was NOTHNG! Please DO NOT OPEN account with NAVY FEDERAL CREDIT UNION if you're low income and can't afford to lose $ XXXX like myself!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Consumer Portfolio Services , Inc    XXXX   XXXX   XXXX   XXXX   CA  XXXX  I had my   XXXX   XXXX   XXXX   finance by this company as of this day the loan has been paid but I had very bad accident   XXXX   which has left me unable to work and cut my income to  XXXX  for a couple of years , I contin ue to pay my monthly note of  XXXX  to Consumer Portfolio Services. And the were times that I could n't make the payment on time so I had some late  fees I conti nue to pay the company {$390.00} per until the late fee has been pay to this day. I just made a payment in  XXXX  of  XXXX  I spoke to  XXXX   XXXX  from the company and inform her that I can pay this off, but not all in  one check t he response was it has close by   XXXX   XXXX   XXXX  , or we going take action.   On   XXXX   at got call from an unknown  number,  XXXX   XXXX  , thi s person did n't acknowledge oneself, I did call the number back and it roll over to  Consumer Portfolio Services. I will continue to pay this bill as of   XXXX   as of this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, "I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction(s) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All accounts were removed except "US Bankruptcy Court Clerk of XXXX XXXX CT " in the amount of $XXXX. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victim’sComplaint and Affidavit. This account is not mine and I am requesting that it be removedfrom 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 explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The reporting of such inaccurate information has caused server damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 15 U.S. Code 1681s-S - responsibilities of furnishers of information to consumer reporting agencies. You are prohibited by law to furnish inaccurate information. I demand you to CEASE & DESIST the reporting of incorrect/inaccurate information 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: OR
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:
My problem is the same as described in complaint # XXXX in your complaint database. ( I can not see how this complaint was resolved, unfortunately ). Equifax refuses flatly to give me or my wife our free credit report on line. Per my phone conversation on XX/XX/XXXX with at least two different representatives, one of which was supposedly a supervisor, they require that additional identification be submitted on-line or faxed to an Equifax office in XXXX, both of which are unnecessarily burdensome, less secure, costly, and time-consuming. Additionally, the Equifax representatives refused to tell me why this was necessary, and refused to make any attempts at verification over the phone. They would not even tell me what would be in my credit report that would require extra verification. 

Additionally, attempts were made with Equifax on-line to freeze my credit and my wife 's credit last month, and again this week, after it became legally possible to do this ( XXXX and XXXX allowed us to freeze our credit on-line ), and it was not possible to complete the freeze ( the error message on screen said " Website unavailable, try again later '' ), probably for the same bogus reason of having to send in additional documentation to verify our identities. 

Neither XXXX or XXXX have similar practices, thankfully. 

I am pretty sure that Equifax would still sell me my credit report for money, without any additional verification process, but I am not able to obtain it for free. 

I would appreciate your efforts to stop this practice once and for all by Equifax and to make them sign a consent decree to give consumers their own credit report on-line for free, as required by law, without additional requirements for verification other than what has been standard industry practice. Please note, this has been going on since at least XX/XX/XXXX ( reference the following URL for a story in XXXX XXXX XXXX   regarding this ) : https : XXXX Sincerely, An irate consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In compliance with the Fair Credit Reporting Act, I am submitting this CFPB complaint to ask the credit bureaus to delete the inaccurate accounts from my credit file. All of this has been a struggle, therefore I am filing this CFPB complaint to ask the credit bureaus to stop reporting the inaccurate accounts to my credit file. I am now requesting further information about these specific items in question since I am not confident that enough was done to genuinely contact the creditors/agencies who are reporting this information on my report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00}. Please conduct another investigation and send me the credit history as shown by the merchant 's letter that is connected to 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
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with XXXX, XXXX, and Transunion on XX/XX/2023 about a few items they are inaccurately reporting on my credit report. I have disputed these accounts with the credit bureaus and directly with the creditors multiple times all of which was not properly investigated by the credit bureaus and the items remained on my credit report. 

The accounts that were recently disputed were : XXXX. XXXX XXXX XXXX. XXXX OF XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All 3 credit bureaus are reporting different dates for the date the accounts were opened, the dates the accounts were last active and the dates of last payment. All of these dates are inaccurate. I am entitled to an 100 % accurate report. All 3 credit bureaus should be reporting the exact same information accurately.

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 2023-05-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Company is responding with automated cookie-cutter responses ( see below ) with a demand to call. However, when calling, the Representatives pretend not to know why I am calling. This company was supposed to move my 3rd month payment to the end of my contract upon me calling per my dealership where vehicle was purchased. Suddenly late fees started showing up on my account in which I made over 10 calls trying to understand the reasons behind the late fees -- previously requested ; however, as you can see below this company is avoiding providing IN WRITING justification for the fees and has still yet to send in writing : 1 ) A ledger showing the dates and amounts of fees that now total more than {$160.00} 2 ) An UNKNOWN LATE FEE amount that was POSTED SEPARATELY on their ledge as PAST DUE but did not DETAIL for what which did not MATCH the regular payment amount plus was NOT included in the 'Late Fee ' total ( see previous complaint and screenshots below of the cookie-cutter responses from this company )! 
3 ) What other measures do I need to take to receive fair and Good Faith Effort information from this company? There are many many many complaints against Ally -- why are they still allowed to operate in the industry where they can DEMAND EXTRA MONEY WHEN THEY WANT WITHOUT EXPLAINING AND JUSTIFYING THE REASON FOR IT -- IN WRITING. This will and can not be resolved with a phone call. I would like written information DOCUMENTED regarding my concerns. I also want my credit report corrected to remove the false entries of LATE PAYMENT.

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 2023-08-24
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or omit them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-08-24
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:
This is one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. 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 explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

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