BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX XXXX incurred on XX/XX/2020, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

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 2022-03-24
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:
In accordance with Fair Credit Reporting act convergent accounts : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act convergent accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX Account number XXXX with balance of {$1600.00} incurred, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

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 2022-10-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Hello there, on XXXX I purchased a newXXXX XXXX XXXX  XXXX from XXXX XXXX Dealer. The XXXX was not what the Dealer told me. This electric XXXX take more time to charge then I was told, and it not giving XXXX XXXX  for charge, it doesnt work for service company that is on the road all day. We returned back after 2 days, on XXXX. The dealer refuse to return the money, they told me I have a loan with Ally bank that cant be cancelled. The only option is to take another vehicle. I chose a XXXX XXXXXXXXXXXX XXXX XXXX and they told me it will be with the same Ally bank but from7 % wil change to 9 % and is what the bank decide not us. After one month I want to pay the loan. Ally bank doesnt have any information about the XXXX XXXX, they have my first loan for XXXX XXXX. Ally bank sent me a letter that the XXXX XXXX XXXX financing was never approved. Ally want me to pay for The XXXX that I dont have. Ally told me to call the Dealer and inform them about this situation, they never responded to me or called back. I sent another email to the Dealer, I am still waiting. I have the XXXX XXXX XXXX that never was sold to me. Please help me with this problem, I really dont know what is the next step. Thank you

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 2020-08-21
Company: EQUIFAX, INC.
State: FL
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:
I was a victim identity theft. I tried to work with the creditors back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the accounts. I have sent a letter to the creditors on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. Equifax has not responded to my request nor have they removed the remark. I have sent them all the documentation sent to the creditors as well as copies of the completed investigations with the other two bureau 's and the removal of those accounts in question. Equifax continues to report XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  when they should be removed. XXXX  and XXXX  have both responded and both have removed all the negative remarks/accounts that were part of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-10-11
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a complaint when they wrongfully closed mt account with all my money in it. They told you they would issue me my money back for checking and credit builder and then followed up telling me theyd issue a check for {$1.00} and {$2500.00}. 

Now today they are saying it was only {$1.00} and they cant see the {$2500.00} anymore! Are you kidding me? They are stealing? This at that is HALF WHAT WAS OWED TO ME. They told me a deposit and returns that where made to that account almost {$2000.00} more!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Amsher Collection Services, Inc.
State: WI
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:
A collection recently appeared on my credit report from AmSher Collection Service for {$140.00}. I was never notified of a collection attempt, informed of the name of the original creditor, or given the opportunity to dispute the debt. I have no knowledge of any outstanding debt, so I do not believe it is valid. However, even if there is a chance that this is valid debt, AmSher has acted in bad faith by reporting it to credit rating agencies without first doing their due diligence in informing me of a collection attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle through XXXX back in XXXX of XXXX. I never received a title or registration. I have totaled the vehicle in XXXX of XXXX. XXXX calls it a total loss and the pay off amount is more than I owe on the car. XXXX can't pay off the loan until there is a title. Despite constant contact, there is still no title. For every 10 days that goes by, the amount of money coming back to me reduces by over {$100.00} in interest. And to top it all off, the finance company, Bridgecrest, which is owned by XXXX, is now reporting me to the credit bureau as being 30 days late, and soon to be 60 days. This despite my insurance trying to pay off the vehicle, but can't, due to every fault of theres. XXXX is no longer responding to my emails. I am getting NO COMMUNICATION at all. I need help with this. They are going to destroy my credit all the while reducing the amount of money that will be paid back to me. In 3 months, it will have been a full year that I have not gotten my title or registration. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
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:
In XX/XX/2020, I discovered that multiple credit card accounts were opened in my name without my knowing or authorization. upon further investigation it was obvious that I had become a victim of identity theft. Also, some years ago someone broke into my vehicle stealing a bag that contained personal documentation including birth certificate, social security card, state ID, existing credit cards and a cell phone. This information was then used to obtain new credit and resulted in the accumulation of fraud charges. I discovered that these accounts were opened in my name and want to take actions to removed these fraudulent accounts from 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 2016-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inaccurate reporting by Equifax Legal Item XX/XX/2016 -- {$2000.00} Public Record Details Reference Number XXXX Court -- Date XX/XX/2016 Status -- Amount {$2000.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citibank Business has held money in my act for six months without access and charging me monthly XXXX fee and at least XXXX. Further I was frauded and I've got zero information from citibank to file police report about what was found. I want this account closed and my fees taken returned and my census money returned which is mine. The delay is ridiculous, I filed previous complaint and Citibank falsely claims that all funds were not mine which is not true as funds went into account after they said they were closing it that were mine. I worked for the XXXX XXXX and two of my checks went into the account in error and they refused to sent to me this amount. I sent proof attached o worked at XXXX. 

Recently XX/XX/XXXX my check of {$600.00} us giovernment pandemic relief check went in the aaccount. 

I'm fed up its been since XX/XX/XXXX they said they would close amd refund me. 
And every month of XXXX  they have taken XXXX fees out. I want fees taken after XX/XX/XXXX refunded amd I want my XXXX check and my census money checks refunded now. They are not part of the reason the account closed and the money is mine. 

The bank is incompetent!!!! Doesn't investigate correctly

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: Ingo Money, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I tried messaging INGO MONEY app several times to honor my check deposit from the treasury but they locked me out of my account and theyre not responding to any of my emails

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted this company XX/XX/XXXX and haven't heard back from them yet. They have yet to respond to my letter disputing these fraudulent debts. I was the victim of identity theft and need to get this fraudulent account removed from my report so I can move forward with my life. I submitted a police report and FTC report to the reporting agencies back in XXXX to XXXX and the CRA 's immediately removed this fraudulent account from my reports. This company attempted to pull one over on me and the CRA 's by re-reporting this account on my consumer file, after the CRA 's deleted it, by making the account seem like it was a different one from the account the CRA 's removed. I've attached the conditional acceptence I sent to their company on XX/XX/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 2016-08-04
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX hospital did n't file with my insurance company in a timely manner and waited 4 years to ask me about it. I have proof I had insurance at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On or about beginning of XXXX.- XXXX i had apply for a credit card ( XXXX XXXX XXXX ). it was turn down because of the credit score that Equfax had sent them ( XXXX ). i had called Equfax about it and they said they did not tell XXXX  XXXX that, dated XX/XX/2020 from source : equfax consumer relations. I have an Equfax credit score of XXXX on line from Equfax. i had filed a dispute with equfax on XX/XX/2020, about this. ( # XXXX ) .now i don '' t who is tell what to who or who is just putting down the wrong information. I had sent a letter to XXXX  XXXX with the same information, that seem to be the only way to contact.them haven't heard from them. 

Now just apply for a XXXX XXXX credit that was turn down by The creditor is XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX again by Equfax info, .I only use 2 % of my credit creditworthiness. & credit score of XXXX i have 21 credit card i really don't need another card but i get for the discount & rebates. 

THANKS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting agencies will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines, '' XXXX director XXXX XXXX XXXX wrote. " Experian has already submitted a cease and desist notification to XXXX for all credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' In XXXX, the XXXX credit reporting agencies informed debt collectors like XXXX that they were to stop sending notices of unpaid red light camera citations by XXXX XXXX, 2016. 

" Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. '' Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 

I have XXXX paid parking tickets on my experience credit report that should be removed.

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: WLCC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2020, I got a loan with XXXX company. Because I need the money to pay some bills, then my work hours was reduced from 37.5 to 20 hours maximum. They attempted to collect money from my chase account for a amount of {$240.00}, more of I was told they told me {$200.00}. On XX/XX/2020, I received a email from my Job payroll department about XXXX XXXX in the amount of {$1700.00} and we are XXXX. This amount is to high for what I was told {$1100.00}. Also they say is XXXX garnished my paycheck but I search the number and the agency collector is Apex Servicing Debt Collectors. They Garnished my paycheck on XX/XX/2121, for {$220.00}, without my concern, without a court order, or any legal actions. They never contacted me either mail, email, cellphone or any other. My company provided me with a phone number to call which is the following XXXX but no response yet no one answers the phone, I search the number ending in XXXX and I found the following link https : //apexservicing.com/ and a complaint from the Washington State Department of Financial Institutions For Consumers and Employers that we would like to share for your information. The following company apex servicing  is being using some type of scan to contact not only me but others people employers and malicious garnished they paycheck. This article from the Washington State Department of Financial Institutions ( DFI ) can be found at XXXX XXXX XXXX I pay child support for my XXXX kids, I behind my rent, I behind my car loan payment I really need my money I dont saying I dont want to pay my debt but the amount is to high also getting in to my personal space like going to my employer directly without talk to me first.

Company response to consumer: Closed with explanation