BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX of XXXX, docs done for You, XXXX XXXX and Monterey financial worked together by completing forms for me to lower my XXXX XXXX payment. the forms would be for two years but we can only mail in one year at a time. at a cost of {$1500.00} paying {$58.00} monthly. I have already completed one year and should have completed the second forms since the summer of XXXX. I continued to make payments until XX/XX/XXXX when I stopped on the suggestion of XXXX XXXX because they are no where to be found. I tried several times reaching out to them by telephone and writing. the only company I was able to reach was Monterey financial because they would normally take the money from my account. I explained to them what is happening and they told me that they can not help me. Yet, they are collecting money I don't have. I am left with a large monthly student loan payment and incomplete job done by this group. I am now being bombarded with telephone calls everyday to pay for this service that was not done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Follow-up to case # XXXX - I have not been able to get any answers through Ally, I have spoken to several people, over and over again. No one seems to know what to do. I am having to repeat the entire situation with every single person I discuss the problem with only to be told I need to speak to another department. At that point I am either given another phone number to call or I am transferred. Then the cycle repeats itself all over again. I have been trying to resolve this issue with Ally since the first week of XXXX ( 4 months ) During several of the conversations with different people, I tried explaining that the dealer at one point would be willing to purchase the vehicle back for XXXX. Not an ideal situation for me however, better than the XXXX that I just received notice for which Ally sold the car for on XX/XX/XXXX, leaving me with a XXXXdeficiency balance. 

I do not understand why Ally had not tried to help me sort out my concerns and explore options for me to continue with my loan. Isn't that why most financial institutions call it their Repo AND REDEMPTION department. The only thing they sent me was a notification that they were going to sell it and then another notification that it sold. I tried numerous times to discuss my loan and my options but received no reasonable assistance even in the way of deferment, repayment schedules or refinance, all of which is commonplace in the automotive lending space. Additionally, Lenders are obligated to investigate and take action if a customer claims false pretext by the dealer as it relates to the sale of the vehicle to the customer. Ally did not. 

I am actually on the phone now with Ally, I have spoken to 3 different people already, and I am now getting transferred again. Can someone PLEASE help me with this already? ... ... ... So, I was transferred to the collections department, where the lady cut me off because she didn't want to hear my story, told me it's not Ally 's responsibility to assist me. That I needed to take it up with the dealer.

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 2023-05-15
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: IL
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:
he issue is causing me significant XXXX XXXX XXXX, to the point where I'm XXXX XXXX XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2021-12-31
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CCS Companies failed to communicate the debt before reporting to Consumer Reporting Agencies. I was notified of this debt in XX/XX/2021 by my credit monitoring service. The debt is in the amount of XXXX of a balance owed to XXXX XXXX XXXX, dating XX/XX/2021. I received 1 notification by email from XXXX XXXX on XX/XX/XXXX, which was missed in my email. No other notification since from XXXX XXXX or CCS. According to my credit report, the account was opened with CCS on XX/XX/2021. I received no communication via email, telephone, or mail regarding this collection account. CCS reported to the credit reporting agencies without adhering to Fair Reporting Guidelines as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: PA
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 my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Original creditor XXXX XXXX  XXXX Balance : {$3400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$13000.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX NA Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-18
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:
On XX/XX/XXXX, I sent certified letters to each of the 3 major credit reporting agencies ( Trans Union Tracking # XXXX ) ; ( XXXX XXXX # XXXX ) ; and ( XXXX Tracking # XXXX ), asking for verification of 100 % accurate reporting of my credit report. I received verified information from all XXXX bureaus. How is this information verified as accurate when there are still variances from each bureaus report. Variances include : number of late payments, addresses that I have never lived, account opened dates, employers that I have never worked for, and even a spouse -- when I have never been married. 

XXXX XXXX XXXX : variance in the dates account was opened on TU and XXXX  reports. Verified as inaccurate by XXXX, and deleted. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports. This also surpasses the allotted time on my credit report, as it was placed on XX/XX/XXXX. 

XXXX  XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports.

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 2019-03-26
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
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:
On XX/XX/XXXX I submitted my first complaint to First Citizens.  While their XX/XX/XXXX response was to credit my account by {$2300.00}, they failed to address numerous other reporting errors. First Citizens letter of XX/XX/XXXX states We believe the remaining information being reported to the credit bureaus is accurate, with the exception of the balance outstanding. I found this statement incredulous. Did anyone at First Citizens even bother to look at what was being reported? 
I filed a second compliant on XX/XX/XXXX. While First Citizens has not responded to my second complaint yet, I just received a letter from XXXX stating that First Citizens has deleted their reports from XXXX. As a result of this removal, my Credit Score jumped from XXXX to XXXX. I just checked my credit report with XXXX XXXX who reports that First Citizens has likewise removed their account from their reporting bureau. My Credit Score with XXXX XXXX is now XXXX. I can only assume that First Citizens decided to remove their accounts from these two Credit Reporting Agencies rather than make all the corrections to accurately report my loan with them. I am fine with this approach since it has had the desired effect to fairly reflect my Credit Score.

However, First Citizens did not remove their reports from XXXX. They attempted to make some changes but what they are now reporting is still erroneous and egregious. Some examples ( 1 ) First Citizens reports the loan is closed but, in reality, it is still open. ( 2 ) First Citizens reports payments were not made from XX/XX/XXXX thru XX/XX/XXXX, but their monthly statements show $ XXXX/monthly payments were made in all of those months. ( 3 ) First Citizens reports the loan was charged off but, in truth, it was renegotiated. ( 4 ) First Citizens is reporting two loans, but there is only one. This was acknowledged in their XX/XX/XXXX response to my first complaint. ( 5 ) First Citizens reports 100 % of the loan has been paid off, while in their second report they show 0 %. In truth, approximately 25 % of the original loan has been paid off. ( 6 )  they report that the last payment made was on XX/XX/XXXX instead of XX/XX/XXXX. 
My Credit Score with XXXX is XXXX. I am confident that it would be over 800 if First Citizens would accurately report the facts or conversely cease reporting to XXXX, as they did with the other two Credit Bureaus. 
I am reattaching all of the documentation which clearly supports all my positions in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 a complaint I am submitting to you today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. With the rampant issue of identity theft spreading across the country, I was not spared from the identity theft 's cruelty thus leading to me being an unfortunate victim. Please remove the disputed items off of my 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 2023-05-15
Company: Experian Information Solutions Inc.
State: IL
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by The XXXX. The company claimed that I owed for something I disputed with them. I have yet to receive any written communication from them. I have recently had negative hits on my credit report from XXXX XXXX. I have not been given the proper documentation and they are taking illegal action to place this on my credit report without going through the proper procedure of debt collection. 

Please have them provide physical evidence that I have a legal obligation to pay XXXX XXXX. That is exactly all I need. Please provide me with the name of a written agreement, signed contract with XXXX XXXX, the money owed, and license number. If they can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely 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
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/ 2021 I disputed two entries on my Equifax credit report due to inaccurate XXXX dates. Equifax was reporting XX/XX/2021 and XXXX was reporting XX/XX/2021 due to these inaccuracies I requested the entries be removed. To date the entries show on my credit report and Equifax has not responded to my dispute. I also sent a copy of my debt validation letter to both Equifax and XXXX and have not received a response or removal of the entries. XXXX XXXX, XXXX as listed on the Equifax credit report

Company response to consumer: Closed with explanation