BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple hard inquiries I am not aware of and after requesting the removal these have not been removed and is affecting my credit score.

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 2023-09-12
Company: EQUIFAX, INC.
State: NV
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:
There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer.

Please remove the listed accounts due to identity theft XXXX XXXX XXXX XXXX {$7800.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$16000.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$3800.00} OPENED XX/XX/XXXX XXXX {$0.00} OPENED XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an Apple Card open for two years, used it modestly and paid on time, always. Never late, no returned payments e.t.c. One morning my account is frozen and an email stating the account has been closed. I called Goldman sachs many times to ask why the account was closed and was assured over and over again that I would receive a letter in the mail, no dice. I called again, was escalated to a senior advisor who opened a case and provided a case number, was told it could take up to a month for the investigation to complete, I was never informed on anything and attempted to call back and was told the case number didn't exist. My account is still closed and no proper reason was ever extended to me. I've read online that Goldman Sachs has accidentally closed these accounts many times and users have reported little to no success in finding out why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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.

Account Name : XXXX Account XXXX 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 2022-11-19
Company: EQUIFAX, 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:
I did not give y Equifax permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). Which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 

Please furnish a copy of the original promissory note redacting my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to Equifax and XXXX to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX  XXXX Balance XXXX {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hi so I recently filed a complaint regarding Transunion XXXX I reached out to them today as I have been trying to resolve this issue they transferred me to a supervisor which acknowledged they got my documents and complaint but still are refusing to remove negative items that I requested off my credit report that are unauthorized and unverified I made them aware that they were in violation with the law according to FCRA with them not providing the documents I asked to validate the information on my report. The supervisor specifically told me they are not required to valid anything because what Im disputing is factual information. I simply asked how can you verify something as factual with no investigation being complete so I am writing again to complain about the experience I continue to receive from Transunion. This is starting to really affect my mental health as no one is willing to assist with this matter they are failing to do this and are in direct violation with the fair reporting credit act.

U.S. Code, 15 U.S.C. 1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm, physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consume who is/was factually identified as being me and only me. 
Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: ALLY FINANCIAL INC.
State: NJ
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:
The following issues are still issues pending from complaint XXXX I received a delinquent mark on my credit report. The payment history and letter attached indicate " Pays as Agreed '' with XXXX payments paid over 30 days past due. Also, the record provided shows no late payments. Please have them correct the delinquent report. 





The following was indicated on my credit report : Account Number : XXXX Creditor 's Name : ALLY FINANCIAL Type Of Industry : Auto Financing Address : XXXX XXXX XXXX, XXXX XXXX MN  XXXX XXXX  : XXXX XXXX : XXXX XXXX  : MN  Amount Delinquent : XXXX Payment Status : Late XXXX  Days Also, Clause XXXX, Official Fee and Taxes, only indicates that Lesse is responsible for making all payments on the lease, including any government levies, which I did. Although I made all such payments to NJ as the " government. '' The insurance sales tax entitled to me from the insurance settlement is not to be paid to ALLY the Lessor. I am entitled to the XXXX tax payment indicated on the Letter of Guarantyship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: GA
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:
My complaint is in reference to the immediate removal of late payment entries from my Equifax credit report as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. I believe these late payments are the result of a clerical error or misunderstanding. Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to change these erroneous late payments to update to paid as agreed never late or deletion of the late payment ratings. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made. 

Equifax has violated my rights by under 15 USC 1681 by reporting the following late payments on my consumer report : XXXX XXXX XXXX  : # XXXX XX/XX/XXXX, 30 days late, XXXX XXXX # XXXX XX/XX/XXXX XXXX days late, XXXX 30 days late XXXX XXXX  XXXX XXXX XXXX days late, XXXX days late, XXXX days XXXX days late XXXX  XXXX  # XXXX XX/XX/XXXX 30 days late XXXX XXXX  # XXXX XXXX days XXXX 30 days late XXXX XXXX  # XXXX days late, XXXX days late, XXXX days late XXXX  XXXX XXXX XXXX # XXXX days XXXX days late XXXX XXXX  XXXX  # XXXX XXXX XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late, XXXX days late, XXXX days late XXXX Mortgage XXXX XXXX # XXXX XXXX days XXXX days late, XXXX days XXXX days late, XXXX XXXX XXXX XXXX XXXX days XXXX days late, XXXX days late, XXXX days late XXXX XXXX XXXX # XXXX XXXX of the following dates are showing a rating of 30 days late : XX/XX/XXXX, XXXX The following dates are showing a rating of 60 days XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  # XXXX XXXX days late, XXXX days late, XXXX days late XXXX # XXXX XXXX days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had a XXXX XXXX promotional balance transfer thats coming due on XX/XX/XXXX on my chase Freedom XXXX. I was offered a loan for XXXX XXXX with payments through XXXX. I made a large payment to wipe out the promotional balance before it ended but they applied it all to the loan. I called and asked them to adjust it but they apply anything over the minimum payment to whatever has the highest interest at the time. I dont think they should offer loans on cards that have promotional balances then because it essentially precluded me from paying off that balance and now the rate will be over XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Columbia debt recovery LLC dba Genesis at XXXX XXXX XXXX, XXXX WA XXXX unlawfully reported to all credit bureaus agencies alleged debt as they claim for apartment complex in XXXX CO my previous residential place of living. Company listed above never notified me properly of what kind of debt were they trying to collect, suddenly after nearly 6 years for the first time I was notified from multiple federal agencies of collections placed on my credit as derogatory debt and that Columbia debt recovery LLC Genesis sold my information to third parties including dark web sites where my personal information are stored including social security number etc. I received one email from above listed company after they illegally already reported alleged debt to credit bureaus, I immediately replied and explained of what took place and that alleged debt is fraud. There was no response, in heated phone conversation service representative was injecting false claims without any legal factual evidence. He claimed debt was for unpaid rent which is not true because the XXXX XXXX XXXX in XXXX CO managed by XXXX breached the contract by sending 30 days move out notices and demand of move out notices meaning nobody cant continue residency there, owners and its managers broke the lease contracts not me, XXXX XXXX property manager sent move out notice to my door in XXXX, management by XXXX were engaging in deceptive practices and breaching Colorado warrant of Habitability Act. Apartment building was unfit for livable conditions and it was shut down by Federal Court order and its still shut down to this day. Owners knew even before that property was not fit for livable use, there was multiple lawsuits filed against them including criminal negligence for violating several federal and state laws. My unit was set up for automatic payments and the grand complex management unlawfully and fraudulently charged my bank account by withdrawing money without my knowledge or consent especially for the months I didnt reside on that property, therefore I had to escalate the case with local authorities and bank investigators investigated the case and concluded that management stole my money and they committed fraud. The grand apartments and its owners including management breached the legal contract not me they requested to move out and sent legal documents and demands to move out within 30 days and unlawfully continued to charge people for rent where we didnt live anymore, thats why they were sued. Columbia debt recovery Genesis violated FDCPA 15 U.S. C. 1692 ( j ) ( d ), therefore if immediately such fraudulent account is not removed from all credit bureaus I will immediately proceed with legal action against Columbia debt recovery LLC Genesis at XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-12-17
Company: ALLIANT CREDIT UNION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
an unauthorized charge from XXXXXXXX XXXX XXXXXXXX appeared on my credit card statement in XXXX of 2023. I have made attempts with the flight school and spent many hours in talks with the credit card issuer ( Alliant ) but the charges and resulting interest fees still remain on my account. I understand that I am liable for not more than {$50.00} of the unauthorized charge, in accordance with federal law, but nothing more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29
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: Account information incorrect

Complaint:
On XXXX XXXX XXXX reported to XXXX about my credit card account that I have with them. However the information they posted was inaccurate for a multiple of reasons. 
1. They reported a balance increase from {$370.00} to $ XXXX XXXX my balance has decreased but that information was not captured due to reason # 2 2. They had not reported since XX/XX/2022. {$370.00} was the balance on my account in XX/XX/XXXX. Since XXXX my account limit had been increased. So, the total account limit was incorrect, it showed a {$800.00} limit meaning that they reported that I was using 145 % of my cards account limit. The limit of my card on XX/XX/XXXX was {$1400.00}. 

I filed a dispute with XXXX on XXXX on XXXX the dispute was settled and my transuion report was updated on XXXX to reflect more accurate information. 

Also on XXXX this same company reported to Equifax. They reported the same inaccurate information that they just had updated with XXXX. This caused my Equifax score to take a deep dive of XXXX points.

Company response to consumer: Closed with explanation