BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2023-04-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email offer from Ally Bank stating that I was " pre-approved '' for an Ally Bank credit card. The offer stated that I would receive {$200.00} after spending {$500.00} on the card. I received XXXX of these emails within one week. Obviously, since I received 2 emails, Ally Bank must have checked me out to determine that I was " pre-approved. '' The offer is misleading. In most cases, " pre-approved '' means that you qualify unless the company determines that the information you provide in the application is false or can not be substantiated. Ally Bank must have checked my credit report to determine that I was " pre-approved. '' The application process then asks me for employment, asset, and income information. Ally Bank misleads consumers to believe that they are " pre-approved '' for a credit card, when, in fact, they are simply fishing for a consumer 's financial information in hopes of marketing other products to the consumer. Ally Bank and other financial institutions should be STOPPED from using the terminology of " pre-approved '' when the financial itself has reached out to the consumer with the " pre-approved '' offer. As I stated earlier, I received the same email solicitation from Ally Bank within a 1-week period 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 2023-06-01
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While on assignment in XXXX XXXX Pennsylvania, XXXX XXXX. 
I received a phone call from a lady claiming to be a representative of XXXX XXXX. Representative asked me some questions I refused to answer, on my lunch break I returned call to XXXX XXXX. 
Apparently, credit card was stolen and fraudulent user went over credit limit. There were purchases made but I was told and assured that I would not be charged nor held accountable for any merchandise charged. 
Years later XXXX, XXXX XXXX XXXX, XXXX, CT XXXX - XXXX, ( XXXX ) XXXX XXXX representing XXXX XXXX XXXX credit card stating I owe ( {$1100.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Account information incorrect

Complaint:
TransUnion, XXXX, and XXXX is committing FRAUD and they've failed to remove the inaccurate accounts on my consumer profile which is causing me harm, stress, and damaging my consumer profile. 

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. 

XXXX XXXX XXXX XXXX : # XXXX - XXXX XXXX : # XXXX - XXXX XXXX : # XXXX - XXXX XXXX : # XXXX TransUnion 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 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The information listed above appears on my consumer report but I did not make or approve of these transactions. 

XXXX, XXXX, and TransUnion are also committing FRAUD because according to 15 USC 1681a- ( 2 ) ( i ) - ( Exclusions ) Transactions are to be EXCLUDED from my consumer report. 

Please also remove the accounts listed above from my consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act REQUIRES you to remove the INACCURATE and FRAUDULENT information on my consumer report, resulting from Identity Theft within four business days and to promptly notify the businesses that sent you that information. 

Furthermore, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

As stated above, please delete all inaccurate accounts immediately. 

I have enclosed a copy of the accounts listed above, highlighted with the inaccurate information from XXXX XXXX that's being reported on my consumer report, and an identity theft 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 2023-07-11
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/2023 at approximately XXXX PST, I received notifications that 3 credit card accounts had been opened in my name for XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these accounts to be opened, so I immediately contacted each of the credit card issuers to notify them of identity theft, and they all closed the accounts. I also locked my credit file with the credit reporting bureau Experian to prevent further identity theft activity.

Shortly after the incidents occurred, each of the credit card issuers sent me letters in the mail confirming that the accounts had been closed and that it was determined to be identity theft. I kept each of those letters and submitted them to the credit reporting bureau Experian in order to remove the 3 hard credit inquiries ( dated XX/XX/2023 ) that resulted from the fraudulent credit opening in my name. 

I first submitted this request to Experian in early XX/XX/2023 through mailed correspondence, and on XX/XX/XXXX, I received the results of my dispute ( report number XXXX ) which stated : " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. Since I disagreed with the outcome of the dispute, I used the online form to re-submit the documentation. This was done in mid-to-late XXXX, and the results for this updated dispute were available on XX/XX/2023. The report number was XXXX. Once again, the message stated : " DISPUTED ITEM NOT LISTED ON CREDIT REPORT. '' In addition, an email was sent to me ( attached below ) which stated that an identity theft report needed to be included with the dispute. I submitted a police report with my local jurisdiction of the XXXX Police Department that included all of the information that Experian requested. That is attached below as well. 

Today, on XX/XX/2023, I received the results of the updated dispute. Experian continues to claim that the " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '', but to add insult to injury, they are now claiming my request : was based on a material misrepresentation, or, [ I ] knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. 

This is after having to go through so many hoops with additional information requested. It seems to me that Experian is making the rules as they go along and are being extremely cagey about fulfilling my request to remove these clearly and obviously fraudulent credit inquiries.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and XXXX are in direct violation of the FCRA and XXXX XXXX XXXX XXXX of 1999.

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 2022-12-04
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Company: Foris DAX, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Crypto.com is the company on the crypto app I told them I did not open a account with them a card was issued and they've asked me to agree to terms and agreement I told them no I told him to delete the account and they keep asking for my phone number and pen and I will not give them any personal information cuz I have not consented ever requested several times for them to delete the account they keep giving me the same information refusing to comply with the request I found a XXXX XXXX XXXX report and they still are not complying. They need to cancel the card. And delete the account associated with the phone number email and my personal information.i have pictures to prove what I'm saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items

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: EQUIFAX, 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:
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. 


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. 

Name of Account Account Number Verification OFFICE OF THE ATTY GEN XXXX The wrong amount is being reported XXXX XXXX XXXX Identity Theft. 
XXXX XXXX XXXX XXXX Identity Theft. 
XXXX XXXXXXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identitu Theft. 


Thank You, 
 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED THE INACCURATE CREDIT REPORTING WITH THE CREDIT BUREAUS AND XXXX. THEY DO NOT HAVE COMPLETE REPORTING OF MY CREDIT HISTORY. IT IS MISSING THE MAJORITY OF MY ONTIME PAYMENTS. XXXX HAS ALSO REPORTED ME LATE MORE THAN 10 TIMES SINCE THE PAYMENTS HAVE BEEN DEFERRED SINCE THE PANDEMIC. THERE HAS BEEN NO PAYMENTS DUE YET THEY HAVE REPPORTED MANY LATES TO MY CREDIT. THEY ALSO HAVE PRIOR LATES ON MY CREDIT AND DID NOT PROVIDE ANY PROOF OF THESE LATE PAYMENTS. MY LOANS HAVE BEEN DEFERRED SINCE I GOT THEM. XXXX SENT ME A PROOF LETTER THAT STATES THAT I WAS NOT LATE, HOWEVER THEY HAVE REFUSED TO UPDATE MY CREDIT REPORT TO SHOW THIS. I HAVE BEEN DISPUTING THESE LATES FOR MORE THAN 120 DAYS TO NO AVAIL. I HAVE INCLUDED THE LETTER FROM XXXX BELOW XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX, OPEN XX/XX/ XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX OPEN XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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 explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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:
On XX/XX/2017 i made a payment to XXXX XXXX  for a secured credit card. Eight days later they charged off my account and claimed I was 60 days late. How could I be 30 days late XXXX and 60 days late in XXXX, but nothing in XXXX. Experian has XXXX marked down as in good standing. But XXXX marked down as Charged off? Its not a loan? Its a credit card. How could I be charged off 8 days later after making a payment. When I reported it to Experian the gentleman by the name of XXXX sounded annoyed to be helping me with this. The results came back and im supposedly marked down as 60 days late both in XXXX and XXXX? How could I be 60 days late two months in a row? They didn't resolve the problem they just changed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. I explained to the XXXX XXXX dispute representative that i had COVID-19, lost a family friend and faced a financial hardship loosing my job due to the pandemic layoff and my personal condition. 
I even provided my positive COVID-19 tests to show that the times I had COVID-19 were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The XXXX XXXX & credit bureaus representatives told me if I provided a good will letter and supporting documents, then they would notify credit buraus and remove it from my credit report. Unfortunately, this was not fulfilled and XXXX  XXXX continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.

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 2023-12-04
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Thank you for your letter dated XX/XX/XXXX, wherein you confirm my outstanding balance as requested. You have overlooked or ignored my request. I have made no inquiries, however, my notarized notice that was sent has gone unanswered. On the referenced matter, I would need your confirmation that you would accept full payment of the obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form and produce all other requested documentation. 

NAVIENT has dishonored a notice that was sent regarding student loan # XXXX. The notice was sent on XX/XX/XXXX certified mail return receipt # XXXX and there has been no valid response, nor have I received the requested documentation. The servicer NAVIENT must produce ALL requested documentation. I will conclude that you are either unable or unwilling to comply. I will thereafter consider the matter between us to have been legally and financially settled if documentation is not received on or before XX/XX/XXXX.

Company response to consumer: Closed with explanation