BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: ALLY FINANCIAL INC.
State: MO
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 Ally Financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: PA
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:
15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency XXXX XXXX for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to XXXX XXXX about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX  and also a different score with Experian and also on the website of XXXX XXXX I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is Experian resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO DEPT OF HUMAN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-11-26
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I contacted Chime regarding a transaction I wanted to dispute. The transaction was made on XX/XX/2023 for {$1100.00}. The purchase was made for concert tickets that didnt happen until XXXX. An incident happened at the concert before it even started that involved someone pushing me down stairs, where I had to go to the hospital for a head injury and the police arrested the person who pushed me down the stairs. A report was filed and the police were involved as well. We were unable to attend the concert because of this. I contacted the merchant and the merchant said Id have to contact my bank or the organizers team of the event for a refund. I have not been able to find contact information for XXXX XXXX team. I then contacted Chime who refused to dispute the transaction. They said they didnt have the authority for this type of dispute. Chime refused to file the dispute and refused to investigate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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 was recently informed 60 days ago of negative information reported by [ XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX IL ] included in the file ChexSystems maintains under my Social Security number.I was informed on 60 days ago that the item was deleted from my consumer report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Upon ordering a copy of the report, I found an entry from this bank listing a [ Account Abuse, Overdrawn ] in [ XXXX XXXX, ]. 
I am unaware of ever having a [ Checking Account ] from this [ XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX IL ]. 
Please validate this information with [ XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX IL ] and provide me with copies of any documentation associated with this " [ [ XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX IL ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Illionois Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}

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 2023-04-11
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, FL that I have had nothing but problems with and was charged {$5000.00} more dollars then the car was stated to be for {$18000.00} in XX/XX/XXXX and my first payment of {$480.00} was not due for 45 days and scheduled XX/XX/XXXX. In XXXX I payed {$450.00} on XX/XX/XXXX and {$960.00} on XX/XX/XXXX for a total of {$1400.00} for 3 months of monthly payments upfront in advance and made sure this was stated properly to the cust service rep I spoke with. On XX/XX/XXXX I resumed my payments and paid {$500.00} which was my monthly payment and to cover the previous 3 months interest. About 1 month ago I went to their app t see what my balance was and realized that the past 5 monthly payments of {$480.00} that I made had not been applied towards the balance and my loan amount and the loan amount was not decreasing at all. I called the company, admittedly very upset trying to get an explanation as to why I had paid {$2400.00} and not one single penny came off of my loan balance. I was told that I needed to make my monthly payments every month. I told the rep that I had, that I had even paid in advance for 3 months and the rep who accepted those payments had clearly understood that. Then the explanation I was provided didnt make even the slightest bit of sense to me and we were getting nowhere. So I asked that he please send me this information explaining the math in writing because I apparently wasnt smart enough to get it but maybe if I saw it physically with my eyes I might then understand. I have yet to receive the requested information and the only information resembling it that I received last month actually stated I owe more then the inaccurate amount that I was given by the rep a few weeks ago. My payment is now due again and since my payments have not only not been applied to but also increased my loan balance even though I have not missed a single month I am now here filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it.

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 2023-03-17
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
They brought me court papers but no case number, court date or name of judge. And once I got all my research done I found out that their client 's were negligent in handling a co-pay and insurance at the XXXX XXXX XXXX XXXX. I gave them the facts of my side of the issue. And the lady followed by the thing in which they are a male but not Gentleman 's Club material per-sey. YELLED at me and BELITTED me and told me that I have ZERO rights to a lawyer or to any kind of a fair court hearing. And they REFUSED to take any of my evidence and such into consideration. So, I'm getting endlessly harassed with their phone calles with their rude, unprofessional, unpleasant and condescending employees who are just horrible. 

Just a little update, they dragged me through the courts. And refused to let me even know that I had to pleade to the judge. And they made it so that I had a failure to pleade in court. And now I have to somehow come up with XXXX XXXX and pay ot all or nothing and if I don't, I will suffer the consequences. They have continually harassed me each and every morning causing me to be around 3.5 hours late for a few months, even causing me to miss entire days of work. And it has resulted in a considerable amount of lost wages. I am a low income earner, and they more or less don't care and they screamed at me for lying about being a low income earner and states that I am making XXXX  an hour when I'm making around XXXX  an hour. And this is on minimal part time hours. 

They Mountain Land Collections company who they are obviously in bed with refused my XXXX dollar a month payments and they kicked it back in my face refusingthe payment and money that I was giving them. And the lady just shouted at me highly unprofessinally and she cussed me out big time. I have filed earlier today with the XXXX. So, they more or less aren't willing to work with you and be accommodating with you. They just want to make themselves a horrible financial burden. And make you suffer. 

One more thing, when I was working on disputing the initial debt, I was served more papers showing that a promissory agreement contract was signed in my name. I never signed it, looking at the signature collected, it isn't mine, it's a forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
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:
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 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 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Firstly, the notice was sent to the wrong address. I believe I confirmed with the agents my actual address. Please listen to the call recordings to confirm. They listed " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I listed my address as " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX. XXXX, I called Ally bank ( XXXX ) re : I had noticed that an 'application inquiry ' had been posted to my credit report ( via XXXX from XXXX ). This call was made at XXXXXXXX XXXX  XXXX XXXX and lasted XXXX. 

XXXX  was one of the companies that this occurred with, XXXX XXXX was the other ( not affiliated with XXXX ). I called XXXX  promptly ( the XX/XX/XXXX call I mentioned ) to ask that this be marked as fraud. I specifically asked, more than once, that this application be withdrawn and cancelled, prevent the card from being sent, and that they inform the credit bureaus. I was assured that this would happen. The pre-message to this call said that it would be recorded. 

I called the same number again ( again, from my credit monitoring service ) on XX/XX/XXXX @ XXXXXXXX XXXX  central. I had been notified that my credit balance had changed. 

Turns out that whoever got this card, charged nearly the maximum to " XXXX XXXX '' within the week of XX/XX/XXXX, in XXXX, Idaho. 

I moved out of XXXX on XX/XX/XXXX to move to XXXX, TX. 

From this call, they launched an investigation, but refused to provide the 'sign up email ' and 'application phone number ' from the original application as it was 'under investigation ' ( understandable ). 

I feel that I gave them a fair opportunity by calling to ask Ally to cancel the application when I realized that I had not submitted it, as I lived XXXX miles away when it was filed and I had not been to that house in some time. That house is where my ex-husband lives. We have been trying to be amenable, and he is totally willing to help with gathering information. 

His name is XXXX XXXX XXXX XXXX ) XXXX, he goes by XXXX. His number is XXXX and he has been alerted to a possible contact and wants to help.

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 2023-01-09
Company: EQUIFAX, INC.
State: CA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation