BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: ALLY FINANCIAL INC.
State: MN
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:
I settled a debt with Ally Financial. 
I disputed the remarks on my credit report. 
They added " customer disagrees '' but did not change the remarks. 
Ally also added the remaining balance of {$4500.00} that should have been settled in our agreement. 
I then opened another dispute. 
After weeks they re opened the account which plummeted my credit. 
I called Ally and they won't talk to me. 
They wanted to talk to me legal representation. 
I called the company I used to help settle this account. 
I have not heard back. 
This was the settlement schedule that I upheld. 

Ally Financial - XXXX Current Balance Owed to Creditor - {$9100.00} Proposed Settlement Offer - {$4500.00} Number of payments - XXXX Monthly Payment XXXX XXXX x {$210.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} Now the account is open and says it's in collections.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY 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 2023-04-26
Company: Capio Partners, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against CAPIA PARTNERS ACCT # XXXX. I reject your offer to contract I did not consent to any nonaffiliated third party CAPIA PARTNERS ACCT # XXXX to be in possession of my Nonpublic Personal Information. I never gave permission to CAPIA PARTNERS use or to be in possesion of any of my identifying information. This is a Violation of GRAMM- LEECH- BLILEY ACT XXXX FDCPA STATES THAT CAPRIO PARTNERS SHPOULD HAVE MY CONSENT TO CONTACT ME PRIOR TO CONTACTING ME WHICH THEY DO NOT HAVE. I don't even know who they are or why there harrassing me. This is a notice to cease and desist all illegal activity and communications. I am not requesting validation of any alleged debt as I KNOW NOW that by them obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO CAPIO PARTNERS AND CAPIO PARTNERS BOUGHT MY NON PUBLIC PERSONAL INFORMATION ". Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY CAPIO PARTNERS. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE PRATICES. CAPRIO PARTNERS DO NOT TRY TO PUT THIS ALLEDGED FALSE INFORMATION ON MY CONSUMER REPORTS. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL PROTECTION RIGHTS. I DONT OWE THE CAPIO PARTNERS ANYTHING AND UNDER HIPPA LAWS CAPIO PARTNERS SHOULD NOT HAVE RECORDS OF ANY MEDICAL PROCEDURES PERFORMED THEY ARE NOT MEDICAL PROFESSIONALS AND DO NOT HAVE RIGHTS TO MY PRIVACY. CEASE AND DESIST ALL COMMUNICATIONS NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX 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 2023-08-14
Company: Valon Technologies, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transfered from XXXX to Valon Mortgage in XX/XX/2023, I have been making Doulble house payments for last 24 months. Previous mortgager always applied anything over the normal payment to Principal. Valon from the very first payment each month has misdispositioned my funds to Escrow or appling payment to future payment interest and escrow instead of appling it to directly to that months principal. I have to watch the paperwork and have had to call everymonth to redisposition the fund to principal. I dont believe i should have to. As a matter of fact I wonder how many other people they are doing this same thing to. Please contact me back with any information you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX 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

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 2022-07-18
Company: Experian Information Solutions Inc.
State: TN
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 requested removal and reinvestigation by XXXX of an erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022. XXXX responded through letter dated XX/XX/2022 that they were " unable to verify the accuracy of the bankruptcy case.. '' and " subsequently removed this record from [ my ] XXXX report ''. XXXX removed and is no longer reporting this public record as of XX/XX/2022. 

I requested removal and reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX responded through letter dated XX/XX/2022 that they contacted " a third party vendor to obtain the most recent status of the public record '' and that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX ''. How could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

I requested a 2nd reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX again responded through letter dated XX/XX/2022 that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX '' and that they " have verified that this public record item is reporting correctly ''. Again, how could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

XXXX has committed multiple violations of the FCRA. Please see attachments. 

Additionally, Experian and XXXX have committed multiple violations of the FCRA concerning this matter. Both Experian and XXXX have failed to respond to my request for removal and reinvestigation within the 30 day period required by law. 

I sent the request for removal by letter to Experian dated XX/XX/2022 using certified mail - tracking number # XXXX. No response. 

I sent a second request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response.

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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XXXX an account was opened in my name without my permission with XXXX XXXX  XXXX i never applied for this account and never used this account it was opened fraudulently i called the company and they said is there system so i have to pay account number XXXX the amount {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: OneMain Finance Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paid more then I owe, now they want to collect interest, Experience credit bureaus not doing their job, will not put your dispute in to the company, say call them yourself, why is experience ever still open if they dont take depute its more about how experience held deputes never send to the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have several letters to XXXX, Equifax, and XXXX advising of incorrect names, addresses, birthdates, and socials. They only responded that they updated the information ; however, all files still show incorrect personal information. When I called, they stated they could not remove the incorrect information. This has caused me to get denied loans and credit because my identity could not be verified. These letters were all sent within the last year, with my last attempt being in XXXX of 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my mortgage every month on time. The Mortgage Company changed addresses and never notified me. My payments went to the wrong address and were forwarded to their office for 4 months, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, before they decided to tell me I was late. They sent me a letter after 4 months and told me to pay 4 months of late payments. They also reported me late for those 4 months. I called and asked about it and he said there was nothing he could do about it. I even spoke to the bank and I have proof the payments arrived on time to their former office from the bank because I pay everything on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
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 federal protecting consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX 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 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information. Any other adverse item of info, other than records of convictions of crimes, which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shut up, furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the info is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, Transunion is reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. Again, I have contacted the bureau multiple times to review this account however, I have not been successful.

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 2020-04-21
Company: Experian Information Solutions Inc.
State: CO
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:
Experian should not be reporting a collection/chargeoff in the amount of {$8700.00} on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX  partial account number XXXX. I was away on an extended trip to California and it was during this time my roommates illegally subleased the apartment without my knowledge and/or consent. When I returned I found the apartment empty and all of my belongings were missing. I had spoken with the apartment complex manager and due to circumstances out of my control, I had no choice but to vacate the premises. I had no furniture ; dishes or clothing. They agreed that this was an event that was out of my control. Consequently, this collection/chargeoff does not belong to me and should not be reporting on my credit report. I have contacted the bureau to remove this line item from my credit report however, I have not been successful.

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: EQUIFAX, INC.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened a lowes cc account in 2020 for my kitchen remodel. I paid the balance off and did not use that account after synchrony reduced my limit to {$500.00}. A former roommate took personal information without my consent and knowledge. The charges I am being held accountable for we're unauthorized and illegal. Synchrony has been made aware of the identity theft relating to the charges and has not discontinued the collection efforts Is reporting erroneous information that is damaging to my credit.

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