BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: NV
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 received a copy of my credit report and found the following item ( s ) to be in error : 1. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : 2. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

3. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

4. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

5. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

After calling numerous times, Equifax has not deleted these items when XXXX  and XXXX  already did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: IQOR US INC
State: AZ
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:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka Allied Interstate LLC, aka XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was Allied Interstate LLC, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O XXXX stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birthXX/XX/XXXX.I have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.

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 2023-03-01
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had signed up for hurricane disaster relief after hurricane Ian, in which would lower my monthly payment or no payment at all. We asked the agent that we spoke to. Is this good affect our credit she said no. Then they come find out two months later no XXXX, I get a notification from XXXX XXXX showing Ive missed 30 and 60 day payments, so I called them I speak to someone explain the situation they do an investigation of the information I told him I was told they listen to the phone calls that were recorded and agree that their agent was in a wrong in their system. Coding was wrong so they sided with me in the investigation, so they needed to fix my credit reporting showing that I didnt pay for two months in a row and they close the account. Now here we are end of XXXX and now that Ive mentioned Im gon na get a lawyer involved because Im trying to buy a house and I need you guys to fix this. Were not gon na fix it now and I asked to speak to someone higher up there in the account manager, I was speaking to, and why did you weeks didnt get a phone call so I called back and was told someone would called me as soon as I get out of a meeting. Never got a phone call back. To also add I disputed the payment history for this card on XXXX XXXX and theyve corrected it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see complaint XXXX. That complaint was closed with the promise of remedial actions, yet those actions were not taken and the reason for the complaint still exists ( erroneous escrow payment not refunded ). 

I have attached the companies response to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Navient Solutions, LLC.
State: AZ
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:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, aka XXXX XXXX XXXX, aka Navient owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O Navient stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XXXX XXXX have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concer, Once again, Equifax has allowed credit inquiries to show up on my credit report without my permission ( despite having a fraud alert on my account ). On XX/XX/2019, I recieved a notice from XXXX XXXX that an inquiry from " XXXX/XXXX   '' was added to my Equifax report. On further investigation, I found out that this was for a XXXX credit card. Despite having a fraud alert on my Equifax report, I never received a call from XXXX or Equifax asking to verify my identity. This needs to be removed immediately. Why is Equifax so bad at protecting people 's credit? 

Thank you for your time. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Status of car loan account is listed as ( past due XXXX  days ) ..XXXX  different times. No payment has been paid late. Called car loan company who confirms payments were on time. XXXX XXXX stated to have the issue fixed I needed to download a XXXX XXXX  app and make a dispute. I have done this on several apps and have not seen any change on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
I received an alert from XXXX XXXX saying a collection was added to credit report. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and I need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt. I sent a certified letter in XXXX asking the creditor to verify the debt ie, signed document or contract which they failed to do. I have no knowledge of this debt. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: TD BANK US HOLDING COMPANY
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:
In XX/XX/2018, XXXX, a company our office used to pay our office rent, mistakenly made two withdrawals from our checking account on the same day. I knew nothing of their error until TD Bank sent me an overdraft fee for my home mortgage, which was on automatic payment. XXXX reimbursed me for the fee, but it wasn't until recently when I tried to refi my mortgage that I discovered that TD had also reported the late payment to the credit bureaus, which impacts the amount of interest I will have to pay on my new mortgage. My credit scores are XXXX plus, except for the kind of score that XXXX XXXX uses, which had been impacted by the TD report. I finally, after almost a month of searching, was able to get hold of XXXX XXXX, an assistant Vice President in TD 's Chairman 's Service Center. She saw that I had never been late late in my mortgage payment prior to this, and I was never subsequently late. She told me to get a letter from XXXX acknowledging its error, which I did, and forwarded it to her, along with a copy of the {$35.00} check that XXXX had sent as reimbursement in 2018 for their mistake. About two weeks ago, she called to tell that the Operations Dept at TD refused to ask that the black mark they had submitted to the credit bureaus be deleted. Their reason was : they didn't make the mistake : it was XXXX. But it was TD that had submitted the black mark to the credit bureaus without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to file this please as my formal complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've requested to file XXXX separate grievances ( employees all say different things ) ; I've talked to supervisor, and he took abusive action : illegitimate and retaliatory financial withholding. 

Employees blatantly lied to me about business practices and when I should receive my debit card. 

I'm receiving discrimination from this company. 
Currently the supervisor has locked me out of my account because I told him after all the negative experiences I don't want to bank with Ally and plan to utilize Chime or something instead. In retaliation he locked me from access to my accounts stating he couldn't verify my identity when I've jumped through every hoop created, answered every security question correctly ( I refused to verbally provide my full social because I'm in a domestic XXXX shelter around other people it would place undue risk on my information, but I did provide the last XXXX ) and have provided my government issued identification twice and have answered every former address related question, mother 's maiden name and every other question under the sun correctly. 

I've wasted a significant amount of time on the phone lines trying to repair their errors with no compensation and no positive results. 

I still not having access to my funds. Ally has gone above and beyond to create barriers, lie to me, and refuse me access to my own money. 

These calls were all recorded. Please investigate this poor practice. 

Sincerely, B.S., XXXX, Ph.D. in Human Services Canidate Please take this complaint seriously.

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 2023-09-28
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My credit was pulled without my permission multiple times! I need all these deleted off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, a debt collecting agency named CBE GROUP filed a derogatory collection notice to all three credit bureaus on behalf of the originating creditor named XXXX ( formerly named XXXX XXXX ). 

The debt collecting agency did not provide a formal notification to the consumer ( Formal Correspondence for notification of Debt ) in order to validate the debt and provide the consumer the opportunity to dispute the debt if it was deemed invalid. As a consumer, I had to do my own research by contacting the debt collecting agency and the original creditor regarding the debt. After a thorough research it was deemed through XXXX that I have NO current outstanding debt with the company ( Based on the telephonic conversation with the XXXX Customer Service Representative on XXXX XX/XX/XXXX at approx. XXXX XXXX ( Communication Form # XXXX XXXX. 

I believe this debt collecting company violated the Fair Debt Collecting Practices as governed by the FTC and in violation of the Fair Debt Collection Practices Act under 15 USC 1601 ( 805-808 ). 

I am requesting assistance to have this derogatory report to be removed from all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Westlake Services, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Car has been paid off from other party XXXX XXXX and also ally gap paid. This was due to other car crashing into my car. Westlake financial has been paid off. They are ruining my credit report stating I am at delinquency. They are the worst bank one can bank at they have fraud many people including myself with my other vehicle its completely paid off but their saying I still owe.

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2019-04-02
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX -- I was informed there was some kind of Fraud Alert on my account. I called XXXX - no Fraud Alert. I called XXXX - no Fraud Alert. I called Experian -- they had a Fraud Alert that was  several years old. Why only them? I have no idea. I never requested a freeze or anything on my account ever!!! I asked them to remove it. They sent me a letter saying they removed it. And then in the next paragraph said, they put another one on ... in the same letter!!! And they informed both XXXX XXXX and XXXX. 

A week later, I get a letter from XXXX and XXXX telling me that they put a 7 year Fraud Alert on my account b/c of Experian. XXXX?!!!! 

Then I called Experian and complained. I insisted on speaking to a supervisor to clear up this mess. They said, they wouldn't help me with the other 2 companies ... but it was their mistake!!! 

I called them both XXXX  and XXXX, and told them it was a mistake by Experian, so they both lifted it ... no problem. Then I called Experian again ... spoke to a supervisor to clear up this issue. They said, they cleared it up. Then I get another letter from Experian telling me that they put another Fraud Alert on my account ... again saying that I requested it. In fact, I requested the exact opposite. 

This happened twice already and now, it's happening a 3rd time.

Their phone customer service system is so ridiculous!!! It won't let you get to a live human being. It takes you in circles over and over and over and over and over and over and over again. And it won't let you lift a fraud alert. It ONLY allows you to put one on. 

I can not fix this cycle of abuse on my credit. And no one there cares or gives a XXXX. I've been hung up on several times while trying to clear this up in the last month. 

I am ready to XXXX someone ... maybe myself. I do not have a XXXX, but if I was XXXX  or XXXX or XXXX  then somebody would get XXXX b/c of Experian. 

I am so extremely frustrated. Three weeks of this XXXX. There is no help in this cycle of abuse. Why can not the government tell them to fix their issues???!!!! 

This ain't no April Fools joke. I'm ready to 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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
Yes I want to file a complaint on Experian Credit reporting I have filed several disputes about the information that has been reported Is indeed inaccurate, by law they have to report accurate information on all three of my reports but have failed to do so, I have attached a copy of my report highlighting the inaccurate information so someone can hold them responsible, this is affecting my quality of life as a consumer and I hope something is done to fix all of the errors on my 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 explanation