BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} 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 2022-09-19
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Me an my wife XXXX XXXX Purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX XXXX XXXX Kentucky and it was Financed thur ally financially it take the dealership over 60 day to get them the payoff check to them XXXX XXXX sent them a payoff check and it was no good so they sent them a second one and take Ally over 60 day to get there money for the payoff from XXXX XXXXSo Ally reported us to credit Bureau that me and my wife was over 30day late on are payment so now it show we have XXXX late payments on are credit report and it was not are Fault it was the dealership fault.

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 2020-04-16
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-09-19
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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 consumer reports 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 2023-12-13
Company: EQUIFAX, INC.
State: FL
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:
Hello these companies has been reporting fraudulent accounts. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts rae DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity : Inaccurate Address : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : theft. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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: In progress
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 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: In progress
Consumer complaint received 2022-09-19
Company: Chrysalis Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The issue I am having is with my escrow account with this company. They are asking for an amount of money for my escrow account that I disagree. New Day USA Company is projecting a projected low balance of {$2.00}, XXXX requirement for my escrow account. The required minimum actual balance to be maintained is XXXX when you combine the two it totals a shortage amount of {$4000.00}. The projected amount of {$2300.00} to be put in my escrow account will increase my monthly payment to {$390.00} per month. I feel they are asking more than the Federal Law requires as a minimum balance cash reserve. I have attempted several times to speak to Supervisors, and was told no one could speak to me until the XXXX of XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Block, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I received {$40.00} from a friend XXXX that I work with as a birthday gift I wasn't even logged into my cash app account when she had sent it when I received the email that she sent it I logged in an as soon as she sent it, it showed that a transaction to a XXXX XXXX was sent an with my account I have biometric fingerscan an a pin set to where one or the other is needed to do a transaction with my account an I did neither nor am I the one that sent it an I've disputed an reported the profile of XXXX XXXX an got denied an I disputed 3 times total an have only heard back from the 1st one being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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 the fair credit reporting act. XXXX, TransUnion, XXXX has violated my federal protected consumer rights to privacy and confidentiality, under 15 U.S.C,1681. XXXX  account XXXX XXXX XXXX XXXX has violated my rights Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-09
Company: Express Enrollment LLC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello- I was approached by a company- SLFD Processing LLC ( Student Loan Forgiveness Department ) to enroll in a permanent loan forgiveness/forbearance/discharge program. I was told that if I made XXXX consecutive payments of {$160.00} that after 10 years, all of my loans would be forgiven. Now I'm discovering that this company is/was a SCAM and is no longer around and the Federal Gov't has closed them down ( see below link ). So now I'm stuck with all of this student loan debt that I was told would be forgiven!!! I'm a new salesperson and I can barely make enough to get by now so having to start paying this debt back??? I'm so nervous about all of this and it's made me take more of my XXXX XXXX XXXX... ..ca n't the Federal Gov't provide a discharge or forbearance program for this since it's based on fraud??? Please advise what my options are and if I can get my money I paid them back as well. The total of my loans is almost {$64000.00} which might not seem like much to you, but for a new sales rep on commission, believe me, it's alot... ..especially when I thought the loans were all forgiven!!! Please me help me!! 

XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-09-13
Company: Incomm Holdings Inc.
State: DC
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchase a Vanilla Gift card on XX/XX/XXXX. The card has no expiry. The recipient tried to use in XX/XX/XXXX, and he was unable to use it. He called the customer service on the " back '' of the digital gift card on XX/XX/XXXX, and they informed him they would refund me for it. I can see that there they have zeroed out the {$100.00} balance from the gift card, but I have not yet received a refund. When I called them, they told me that the recipient has to call them to " verify '' certain information in order for me to be refunded for my purchase of the gift card. I have since been on hold for 30 minutes after I asked to be escalated to a manager. Based on online reviews of this company, I don't anticipate they will resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In according with the fair credit reporting act, the above accounts stated above has violated my rights according to 15 USC section 1681. Which state a consumer reporting agency can not furnish any information on my credit report without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-13
Company: EQUIFAX, INC.
State: TX
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:
I have filed complaintes against equifax many times with yall on XXXX and they come back saying iquiries are accurate and the collections are accurate and the 3 closed accounts are accurate XXXX, XXXXXXXX XXXX, and XXXX XXXX. I called XXXX XXXX told them this isnt mine, i called XXXX they said they were removing these as well and they havent heard from any credit reporting cmpany so they lie, I have also sent them the fdic theft report with a letter and my drivers license still not removed

Company response to consumer: In progress
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Hello and god bless. I am filing a complaint because Equifax keeps dropping my credit score for no reason I pay my bills on time. They report inaccurate items on credit report that I have no knowledge about every since I been calling them about these inaccurate items my credit score dropped tremendous can someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Im being denied loans because they can not verify my address and phone. 

My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone 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 2022-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JPMORGAN CHASE is falsely reporting an alleged debt that is not mine. XX/XX/2022 I sent a Validation of Debt letter, as required by law under the Fair Debt Collection Practices Act. They responded with none of the requested documentation pursuant to 15 USC 1692g Section 809 ( b ) nor did they provide evidence that the account ending in XXXX is valid. As such, they have failed to respond within 30 days of receipt. 

During this process, my credit report has suffered from several negative items that were reported to the major credit bureaus for a debt that I dont owe. I have been violated under this notion and believe that there is no proof to the contrary. 

XX/XX/2022, I sent an Affidavit of Truth in good faith to resolve the issue and an attached Bill of Particulars of the total charges of violations from JPMORGAN CHASE. 

XX/XX/2022, I sent a Notice of Fault to give JPMORGAN CHASE one last opportunity to respond and have not heard from them. 

XX/XX/2022, I sent a Notice of Default and an Opportunity to Cure letter to JPMORGAN CHASE with no resolution or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited a check on Saturday, XX/XX/2022. On XX/XX/XXXX, I checked the account online and the check cleared, everything looked normal. I tithed on the check using XXXX. The next day, XX/XX/XXXX, my debit card was denied at the supermarket. 
When I spoke with XXXX at the bank, she asked what the check was that I deposited, I asked to speak with the Manager. After I arrived home by bus, I called and spoke with the Manager, who disparaged the check, saying it looked fake, and questioning the city in Maine where it originated, he insisted I received a voicemail message on XXXX  XX/XX/XXXX, but I didn't. 
XX/XX/XXXX, I spoke in person to another bank Manager who called the Manager of the first bank, he asked if I was expecting the check and if I knew the amount, I affirmed both. He told me it could take 10 days to clear the check. 
XXXX  XX/XX/XXXX, I went in person to the first bank and showed the Manager the check stub which he made a copy of. He stated he would contact the fraud dept and my account would be open by XXXX  the XXXX, he took my phone number and said he'd call me on XXXX. No call came. 
XXXX  XX/XX/XXXX, I called customer service, who said they would transfer me to another dept, then didn't, saying I had to speak with the bank. Later I left message with the bank Manager who returned my call saying he would contact the fraud dept. and give an answer to me by XXXX XXXX  that day. He called and said my account was not opened and he disparaged the check again that it has misspellings on it. I stated I do not have a copy of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: ATG Credit, LLC
State: WI
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 information was used improperly. I did not give permission for these companies to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: GA
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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Village Capital & Investment LLC
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:
Company Name : Village Capital and Investment Account Number : XXXX On XX/XX/2022 a late payment for XX/XX/2022 was placed on an old account that has been closed since XX/XX/2022. XX/XX/2022 the home was sold and paid off in full. I called to have the company remove the payment and I was referred to a department with no phone number and who only takes emails. I am in the process of getting ready to purchase a home and the incorrect information is hurting my credit score. It dropped my XXXX credit score XXXX points! I havent had any financial obligation to them since XX/XX/2022! I have documents I received from them showing the payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation