BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of a late payment for my apple credit card, I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place i would like to make a police report inregards to the fraud call made on behalf of apple credit card services which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it dont happen again I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you take the late payment off my apple credit card histoy and make a adjustment to remove the late payment for the month of XXXX and XXXX due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have finacially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. Thank you for your consideration, and I hope you'll approve my request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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:
Hello. 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 and XXXX XXXX, have all 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 explanation
Consumer complaint received 2022-11-04
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I am reaching out to Ally Auto and submitting this complaint because I believe that there is a failure of the credit reporting system due to medical emergencies that has created an unjust issue for me. This past year I unfortunately battled multiple health issues. Long term XXXX and XXXX XXXX. Because of this I have been hospitalized twice for weeks at a time. During my last hospitalization I was unable to contact Ally Auto to make my monthly payment. This resulted in a 30 day late on my account and credit report for XX/XX/2022. Once I recovered and returned home, I was able to get caught up on my payments. I am reaching out for a goodwill gesture to forgive this late payment. It would mean the world to me. I am currently trying to live with the tremendous toll that XXXX has had on me personally and the health issues it has left me with.

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 2023-04-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
A Final response has been made to Equifax sent by XXXX certified mail # XXXX and delivered on XX/XX/2023 regarding a final opportunity to cure this problem whereas they have been given ( 72 ) hours to perform and has failed to meet their obligation and now all correspondences will be used as evidence in a suit for relief sought on behalf of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Reporting company used your report improperly

Complaint:
Hello. 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have all 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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:
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.

has violated my rights. Or a list of inquiries : 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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XXXX and its affilates continue to use my report fraudulently and illegally XXXX XXXX XXXX is illegally sharing my data with its affiliates despite my will and in violation of the law. 
i have no contract with these companies and have not given them permissible purpose to use my name reports or likeness. this is in violation of several laws and my rights. including but not limited to Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Specifically, Section 604 of the FCRA requires that a consumer must provide written consent before a company can obtain their credit report.

Section 607 also prohibits credit reporting agencies from disclosing a consumer 's credit report without a permissible purpose, such as employment or credit applications.

Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq. 

Specifically, the GLBA requires financial institutions to protect the privacy of consumers ' personal financial information, including credit reports. 
Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510 et seq.

Specifically, the ECPA prohibits the interception of electronic communications, such as email or text messages, without the consent of the parties involved.

Minnesota Government Data Practices Act ( MGDPA )- Minn. Stat. 13.01 et seq.

The MGDPA regulates how state and local government agencies collect, use, and share personal information, including credit reports.

Minnesota Consumer Credit Reporting Act ( MCCRA )- Minn. Stat. 13C.01 et seq.

The MCCRA requires that a consumer must provide written consent before a company can obtain their credit report.

Minnesota Personal Information Privacy Act ( MPIPA ) - Minn. Stat. 325E.61 et seq.

The MPIPA requires businesses to provide notice to consumers about the collection, use, and sharing of their personal information, including credit reports.

it is illegal for transunion experian and equifax to continue to share this information without my consent and especially as i have made it known this data is fraudlent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT IN DISPUTE XXXX XXXX XXXX REPORTED BALANCE {$1000.00} ACCOUNT OPENED XX/XX/XXXX TERM XXXX XXXX  ( WAS EXTENDED AN ADDITIONAL 6 MONTHS TO 42 MONTHS ) Account was payed in full in XX/XX/XXXX with zero late payments I returned the car in XX/XX/XXXX and leased a new car from XXXX Newly leased car paid in full with XXXX late payments. 

In XX/XX/XXXX XXXX reported a balance on the original lease, two months after it was turned in. 
XXXX has reported late payments from XX/XX/XXXX till present, and erased all payments from XXXX to XXXX XXXX posted that I have been delinquent for 42 months of payments to credit bureaus I have attempted to speak to XXXX, where I have been verbally abused, hung up on, and laughed before being hung up on. 

When I dispute charge with Experian or XXXX XXXX, XXXX insisted and shows a piece of paper with the balance on it, but refuses to say what it is for. 

XXXX further sabotages my credit score by continually opening and closing the account. 

XXXX repeatedly leaves messages at the credit bureaus, then erases them. 

I asked for the XXXX XXXX XXXX to find out what is happening, but XXXX never responded. The XXXX has given them an F rating, and 173 consumer complaints at their site gives XXXX 1 out of 5 stars. Consumers complain that they are unable to give them Zero stars. 

At XXXX more of the same. XXXX XXXX is an aberration and needs to be investigated Now I am asking you for help, as XXXX has ruined my credit. I attempted to refinance my house over the last year and XXXX is costing me tens of thousands of dollars with this little game they are playing. 


WHAT IS THIS FOR? WHY IS THERE A BALANCE WHEN IT WAS PAID OFF IN XX/XX/XXXX AND A NEW LEASE STARTED? WHY ARE YOU SHOWING XXXX AS THE LAST PAYMENT?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX  CHARGED ME/MY ACCOUNT THROUGH CHIME BANK FOR SERVICES THAT WAS NEVER RENDERED I DISPUTED IT WITH MY BANK AND STATED TO THEM OF THE INCIDENT AND THE FUNDS WERE NEVER RETURNED MY DISPUTE WAS DENIED THIS HAS HAPPENED SEVERAL TIMES WITH MY DISPUTES THROUGH CHIME BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
There is no wet signature printed by the following companies that I agreed to with the following companies that are posted on my credit report with XXXX non of the companies listed has a written signature to agree to such actions even some of those companies are listed 2 and 3 times and the credit bureau still refused to even remove duplicate copies is the same hard inquiry and I have tried multiple times on multiple occasions by sending letters via post office to there post box listed on the Gov site to have the three major credit beaus remove every last Hard Inquires XXXX - Equifax- XXXX. and creditor who can not produce a wet signature it is considered fraud. Can you please have all three beaus remove all items in including closed credit card accounts from my credit report immediately please. XXXX has provided me a case number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint on XX/XX/XXXX stating that I wanted incorrect information on my report with your company to be removed. I submitted documents confirming the prior deletion of this information with your company and the other bureaus. 

This information was re-inserted onto my report. I requested this information be re-investigated to which your response was a series of vague statements as to the details of the process in which these items are investigated. 

You also asserted that I did not specify which credit furnishers I was requesting to be investigated. I have attached a copy of my report showing prior deletion of information from XXXX XXXX which was opened on XX/XX/XXXX and has a balance of {$21000.00}. 

So to address your requests and concerns, XXXX. NO SPECIFIC CREDITOR XXXX NAME WAS PROVIDED XXXX. PLEASE PROVIDE THE NAME OF THE XXXX XXXX YOU WISH TO RECEIVE A COPY OF YOUR REVISED EQUIFAX XXXX FILE. 

I have attached a copy of my credit report showing the prior deletion of this information. Please comply with my request to remove this information from my report immediately. 

I have also attached a report from XX/XX/XXXX which does not contain this information. 

I have also attached a highlighted version of your response to your previous complaint in which you vaguely detail the process in which you and the credit furnisher verify this said information. I would like more explicit detail as to the verification process employed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: DC
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:
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.

has violated my rights. Or a list of inquiries : 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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 a account without my written instructions.

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 2022-05-05
Company: Experian Information Solutions 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, 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 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 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 2019-08-05
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I requested Experian to investigate the XXXX XXXX XXXX account ( account number:XXXXXXXXXXXXXXX ). It is reporting an inaccurate late payment on XX/XX/XXXX. I received results from Experian saying the account was reporting accurate. According to the results I received from Experian, the account was last updated XX/XX/XXXX. This means Experian has never conducted an investigation for this account. 
This is a violation of the FCRA.

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 2023-02-07
Company: LL Services Parent LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a notice that my credit score dropped ten points. I checked my credit report and noticed a hard inquiry that I did not authorize or have any knowledge of. It was on XX/XX/2022 by XXXX XXXX  XXXX via Covious Mortgage Solutions. I would like this removed from my credit report.

Company response to consumer: Closed with explanation