BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: Upgrade, Inc.
State: MD
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:
I XXXX XXXX am a natural person I am the actually person submitting this dispute this is not a third party. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, on XX/XX/2023. I summited a dispute of an unknown inquiry. I want to disregard this complaint as it was done by me and I did not recognize the name at the beginning. Inquiry for XXXX XXXX XXXX XXXX was done by me and I would like to remove the past dispute. Thank you for your help and time. 
Complaint number with 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 2023-01-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Company: ALLY FINANCIAL INC.
State: VA
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:
XX/XX/2022 Ally financial reported a hard inquiry on my credit Profile I did not approve of this or know of even speaking with them

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 2022-06-22
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:
I asked the credit bureaus to do a verification of everything on my credit report and they did and stated everything was accurate and VERIFIED. I did research myself and found improper Inaccuracies to my credit report even after they did a research on my credit report. 

Name of Account - XXXX # XXXX Name of Account - XXXX XXXX XXXX # XXXX Name of Account - XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has Violated My Rights. 

In accordance with the Fair Credit Reporting Act XXXX  account # # XXXX has Violated My Rights In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has Violated My Rights. 

15 U.S.C 1681 Section 602 A : States I have a 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 2022-06-22
Company: PMGI, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A collection company PMGI Financial Inc ( XXXX XXXX managing member/owner ) used their Inhouse attorney XXXX XXXX XXXX to file a time-barred debt collection law suit against me. The original creditor is XXXX XXXX who sold the debt to XXXX XXXX XXXX and the collection processes continued. 

The partner law firm of XXXX and XXXX law firm thereafter proceeded to file various documents, some of which without serving me, until they obtained a Judgment. 

PMGI Financial Inc do not have a permissible reason to run my credit report. The neglectful actions of this firm has caused me furthermore financial harm. Due to my seriously distressed financial condition, it has been quite difficult to progress in a new line of work that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was with a group of XXXX from XXXX XXXX XXXX from XXXX ( 2023 ). During this time, my debit card was stolen from my purse and used twice ( i.e., she took it from my purse, used it and then did it again ) ; hence, I never knew my debit card was used until I went and looked at my account on Monday morning. I contacted several of the stores, and even went to XXXX XXXX. The Managers at XXXX, and at XXXX described the person who made the transactions. The description matches that of XXXX XXXX, a XXXX that was recently expelled from the XXXX XXXX XXXX. XXXX XXXX was the only person close enough to me to have done this. I am legally XXXX and require assistance with reading things. So, XXXX was at my mom 's home with me and did go several places with me. I reported all of this to XXXX XXXX, Director of the XXXX XXXX XXXX, and also to the XXXX XXXX Police. The transactions include 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. XXXX XXXX XXXX. XXXX 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 XXXXXXXX XXXX XXXX XXXX Truist Bank denied some of the claims, and is still investigating others. I have been advised by Attorney XXXX XXXX to file this complaint ; and I have also reached-out to the Attorney General 's Office.

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 2022-04-23
Company: EQUIFAX, INC.
State: KY
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:
XX/XX/XXXX I contacted XXXX in regards to inquires that I did not give consent to or have knowledge of until reviewing my consumer report on file with XXXX. Inquiries displayed on my report are as follows ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In accordance with the fair credit reporting act XXXX account # Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information With charge off/collection is basically the creditor saying Im no longer responsible for this debt, but the IRS says for amount that are written off over {$600.00} the the creditor have to send me my 1099C I need to file that wit my taxes as earned incomes in IRS eyes If I got my 1099 C and I file it as income how is that being reported as a debt ACCOUNT PAID IN FULL BEFORE COLLECTION YOU HAVE VIOLATED CONSUMER LAW THEREFORE YOU MUST REMOVE ACCOUNT FROM ALL 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 2023-09-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
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:
On XX/XX/XXXX, I contacted Select Portfolio Servicing at XXXX central standard time. I had received an IRS tax transcript that contained information unknown to me. The XXXX phone call exposed an untruth regarding a {$250000.00} mortgage account using a variant of my name. The account represents actions unknown, undiscussed, undisclosed, and unauthorized by me. 

Internal Revenue Service tax records show that a mortgage loan was assumed by Select Portfolio Servicing on XX/XX/XXXX. I had been dismissed from the original loan with the originating bank ( XXXX XXXX ) in a XXXX XXXX XXXX in XXXX. Select Portfolio Servicing , Inc. allowed someone to renew and refinance the loan ( or a derivative, thereof ) in a variant of my name using my social security number. 

I, nor my children, have lived in or visited that residence since XX/XX/XXXX. I demanded Select Portfolio Servicing , Inc. disassociate all loans with my identity, or any parts or likenesses, and not be transferred to any other financial institutions. I asked them to comply by XX/XX/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 2022-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
it is a company called " Portfolio recovery '' they are constantly calling and threatening. They even had someone come up to my XXXX XXXX XXXX daughter in the car while she was getting in and handed over documents when we lived in florida. My daughter was scared and crying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a fraud alert on my credit reporting and I was alerted that a hard inquiry was placed because someone tried to obtain a credit card at Bank of America in Texas and I dont live in Texas XXXX I called the bank and they were not able to help me because the office that deals with fraud is not opened right now. I have an appointment to speak with someone in person.

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 2022-04-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED 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 explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$9000.00}

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 2022-08-20
Company: Experian Information Solutions Inc.
State: CA
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 Credit Report has a product called Experian XXXX where as if you enter your Bank Information ( XXXX XXXX XXXX XXXX ) and Utility accounts such as XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX company, and you pay on a regular basis Experian XXXX will have access to your Bank Account to verify these accts which in turn will help raise your credit score. When first signing up for XXXX it worked perfectly. However now and in the past several months XXXX can not access my account. It stopped working. Message would continue to show " Reconnect to your bank '' or XXXX can not connect to your bank. Or " Add '' another Bank Account '' I only have One Bank Account. ( XXXX  seems to think I have another Bank Account ) I have continued to contact Experian many times " Why XXXX  '' can not access my account and why Experian XXXX had no problem connecting to my account in the beginning. Everytime I log in to Experian message shows " Can not Connect to your bank '' Connect now ' Experian gives me many reasons why I can not connect and non apply to me. Why can't Experian XXXX connect to my bank account is more important to me than a 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 explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Those hard inquiries in my Transunion report which I did not recognize, and they should remove out of my credit report. 
List of hard inquiries I want to delete : XXXX XXXX XXXX XXXX XXXX Bank ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) on XX/XX/XXXXXX/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 2022-08-20
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My partner and I received multiple fraudulent charge notifications from Ally regarding debit card purchases from our joint checking account. I contacted Ally Bank to close down the card in question but continued to receive notifications. I disputed these charges and they reimbursed me. Then, today XX/XX/22, my partner and I receive the same notifications. We log on to see fraudulent charges and despite attempting to contact Ally over 5 times with holding on the phone over 45 minutes multiple times I have not been able to reach anybody. The debit card in question has never been activated or used. It's never even left the safe location we keep it in within the house. It seems like there is a major data breach that Ally Bank is not sharing with it's vulnerable customers.

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 2022-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I first recognized a problem trying to use my debit card on XX/XX/2022, when the card was rejected for payment. Shortly thereafter on the XXXX, I called my bank asking why the debit card was rejected, & their answer was that that they were no longer accepting checking accounts under a Trust Account & that I had not sent paper work back to them on a given date which had expired.. They closed my checking account & would not allow any trans-actions other than credits into my my account. I spent over 2 hours on the phone trying to resolve the problem on that same day to no avail. I am a senior citizen living on SSA & retirement military pay from my deceased husband, which is my only source of income. They said the only thing I could do was open a new personal account with their institution & that all transactions with the account under my trust name were frozen until debits had hit the account. I am crippled monetarily as I can't have access to my SSA & DFAS deposits to pay any bills or access any $ out of this frozen account that will be closed when all debit transactions have stopped. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: NC
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 not a duplicate item. 

This is a new and valid complaint. 

XXXX XXXX XXXX, as you will see from the attached document continues to report this bogus collection with missing data and deceptive collection procedures, even though after the evidence was presented against them they agreed to delete this from my credit report and the date is clear, they reported it again in XX/XX/2022. 

This is mockery yo the collection process, mockery to the consumer protection board, and they have yet to be held accountable for their deceptive trade practices as earlier disputed. 

They continue to report this report illegally and equifax continues to host this report even after the evidence proved they were being deceptive. 

I demand an investigation into the by administration of the consumer board and seek charges against rent recovery for their continued deceptive trade practices. Its illegal, they are breaking the law, defrauding me, and the law is as follows below. 

Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX Consumer Protection Law 15 U.S.C. 1681-1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and XXXX XXXX XXXX Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation