BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: ID Analytics, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted sagestream XXXX times in a attempt to get a copy of my consumer report inwhich they are allowing access to my personal information that is in accurate and contains information used that has caused me to be denied credit and/or a hike in my intrest rate. As a reslult of me being denied credit i asked for a copy of my consumer report and the copy of the procedure that I must do to dispute wrongful information. The agent on the phone said they would provide me a copy and it hasbeen XXXX months and still no copy each time i am given an excuse why I have not received it. I was denied of a business loan based on there information provided to XXXX, XXXX and XXXX. I am the victim of identy theft on XXXX occassions. I should be allowed to stop the wrongful use of my information and to keep it accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I got behind due to forced insurance, my homeowners insurance was canceled and HSBC placed a policy on property.Another time they paid my tax bill and placed on loan, again this year they supposedly paid property taxes again although i paid them and notified of this.they said they would check into.I doubled my mortgage payment for a year, half was mortgage pmt, other half was to go to arrears as per agreement.they applied to principal.I was very sick this winter, XXXX. I was XXXX.My XXXX, but not as bad.XXXX.I have not been well at all, and have a XXXX.I have not made a payment in 3 months since the co, raised my pmt.from XXXX to XXXX a month.I am on a very limited income,XXXX a month and can not afford XXXX.per month.I want to keep my home and catch up, but can, t do it this way.I need a mortgage modification from HSBC to keep my home.i got a statement yesterday, ihave paid faithfully for 21 years.I was down to XXXX owed, now with not paying for 3 monthsi owe XXXX.Thats XXXX.Heck i only borrowed XXXX, must be some heavy penalty 's and interest.I need some one to explain this to me, how it works.I am warning everybody to stay away from them.When i first bought my home the mortgage was sold to champion who sold to HSBC, Last year pmts.to principal wasXXXX and interest pmts wasXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: AZ
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 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes 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!

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
In accordance with the fair credit reporting act XXXX  accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXXXXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX ***** opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX  ***** opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.

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 2023-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter out to Equifax. My confirmation number is XXXX. 

According to the TILA ( AKA FAIR CREDIT BILLING ACT OR TRUTH IN LENDING ACT ) The burden of proof is on the bureaus not consumers. Its been over 30 days and I demand them inquires to be DELETED FROM MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2023-07-05
Company: Experian Information Solutions 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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX  I do not want to have this erroneous information in my report. It is an abuse that I am having bad credit because of this.

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 2023-02-12
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX charged me for a purchase XXXX on XX/XX/XXXX the item was returned and refund processed on XX/XX/XXXX. XXXX then went and fraudulently without my consent recharged my account on XX/XX/XXXX for XXXX and Ally said that I got a refund which was not true the second charge was never authorized by me and should not have been taken from my account. 

I have been trying to work with Ally about a XXXX charge which was fraudulent the merchant never sent anything but stole my money Ally said they were looking back into it and failed to attach see pictures where they said I can not get product or money as Ally failed to protect me this purchase was in XX/XX/XXXX XXXX XX/XX/XXXX ally also blocked me access to statements and funds when tried to withdraw

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 2023-07-05
Company: Experian Information Solutions 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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 explanation
Consumer complaint received 2017-03-20
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hello, Im a XXXX veteran unemployable. My wife and I were able to purchase a brand new car from XXXX in XXXX Delaware. We received the car in XX/XX/2016.Approximately 2 months later we received the loan papers from Ally auto financial company. They were requesting 2 payments right away, and the third payment was coming up due shortly. The 2 payments would have been $ XXXX {$460.00} ( upcoming 3rd payment ) .To speed up this story, I have been in constant contact with them. This week XX/XX/XXXX, I spoke to my loan manager, XXXX . I advised her I will make a payment within 2days. On Saturday morning XX/XX/XXXX, at XXXX I spoke to a XXXX ( male ) and he transferred me to the payment line. I made payment and received a confirmation number. Before he transferred me I advised him, the same thing I told XXXX. I said after this payment, I would make a payment on XX/XX/XXXX. Approximately 2 1/2 hrs later, my car was being repossessed! I spoke to the tow truck operator and he obviously saw I was XXXX. I advised him I paid for the car earlier and I need to go back into my home and get the company on the phone and I would get the keys. Approximately 2 minutes later, I returned to the outside and my car was gone and you can see on the loose rock the car had been dragged! I did not find and business cards anywhere. I spoke to a female who answered the phone for Ally, she said she had no idea why this happened!? She tried Call XXXX the repo company. Unable to? I need help desperately. I respectfully request your help. FYI : I had constantly informed different call takers I am a XXXX veteran. I. Said I got the loan papers 2 months after the car was bought and I asked if the 2 months could be placed on the back end of our loan. I was told, I would have to have 6 months paid, before they could even consider the request.?? Therefore, Im 2 months behind. I believe the loan company is a bad practice business and they need to be dealt with. They are bullies. I understand I need to pay my bills, but how can I pay when the company is setting me up for failure!!!!!! On the other hand, the repo company acted in a bullish, destructive manner. I am a XXXX and proud to have done so, but I did not fight for bullies and loan companies who place consumers in a failure modeMy XXXX took pictures of the loose loose stone. Please help me. I need to have my XXXX drive me to my points in the car. 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 monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am currently facing one of the biggest fights of my life. I am under a lot of medication, XXXX and XXXX. I am sometimes left exhausted and with other side effects. I have managed to maintain all of my capital one cards in good standing. However due to a hiccup I had on one account, I mistakenly selected the wrong bank for a payment of {$25.00} that was returned, Capital One closed all my accounts like the cold blooded lenders they are. I would like these account to be reinstated since they were closed in error and for them to consider that perhaps some of us are fighting a battle everyday bigger than a return check fee could ever be worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I remain extremely concerned that Experian fails to operate with integrity. I filed a complaint through your firm and Experian responded that they would follow up in 60 days. Experian issued a final report to me several weeks ago but have yet to update their response to your organization. I remain hopeful that filing another complaint will warrant immediate action. There are several XXXX accounts that are reporting on my credit report inaccurately. These accounts list that I filed a bankruptcy in XX/XX/2016 and XX/XX/2016 which false. I must assume that someone has compromised my identity and have opened these accounts without my consent. I have NEVER, EVER filed a bankruptcy in XX/XX/2016 or XX/XX/2016 or at any point in time in XX/XX/2016. Please delete these accounts from my file immediately. I am also requesting that Experian follows up with your organization in a timely manner. This inaccurate reporting is creating a significant financial strain and hardship. I believe that Experian is discriminating against me because of my ethnicity.

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