BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i have a loan with ally on a XXXX  and during covid time i was a little lat on my payment and they were trying to charge me late fee 's ..at that time by law no financial institute were allowed to charge fee 's!!! and when i called about the issue they were not cooperating and it got worse from that point on ... they kept trying to give me financial assistance Repeatedly!!! I asked for a manager that took me months to reach and was told it was going to be resolved it just got worse!!! so at this time i am in the market to buy a home and they are holding me XXXX giving a bad credit report .. now when i tried to really get this problem fixed i was put through ringer.. there were times that i was on the phone for hrs at a time and were being laughed at from foreign worker 's times when they would say to me we cant hear you and also they left me on the phone for hrs ... and at some point they would hang up on me... so in my complaint i requested all the phone recordings because every phone conversation was being recorded ... as of today they did not send me my REQUEST .. nor are they going to due so. at this point they keep sending my monthly statement late i never get my paper statement on time to pay so i am not late.. they want to pay electronically and i refused to for security reasons...

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 2023-01-08
Company: Experian Information Solutions Inc.
State: PA
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:
typical idenity theft, someone stole my personal information and i need to make things and correct the errors on 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 non-monetary relief
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries. The

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
HXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries. The

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 2023-02-08
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: AP
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:
In XX/XX/XXXX an audit was conducted by XXXX and found that I owed {$4400.00} for unpaid health benefits from XX/XX/XXXX to XX/XX/XXXX. XXXX attempted to contact me through an address I have not lived for over 15 years! Although my current address is on file at every gov pension that also is distributed by XXXX. In XX/XX/XXXX I got a credit alert about this pass debt. I paid debt in full through pay.gov. Payment did not reflect in their system until they investigated and found payment. XXXX then took off my credit report on XXXX XXXX. Experian still shows negative remarks about overdue late payments. XXXX was the one in error. Experian needs to remove negative remarks and reinstall my excellent credit. Apparently this is a common problem from XXXX that ruins innocent peoples credit. I want to be made whole again by Experian. They are over XXXX pts different from other credit reporting agencies.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 NUMEROUS request 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 from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To who this may concern, I am submitting this complaint to the CFPB in regards to XXXX XXXX threats to sue for an alleged debt that they have yet to prove belongs to me. They have been using abusive and deceptive practices in trying to collect on this alleged debt. I have written this company several times asking for proof that this debt belongs to me and they have failed to provide such proof. XXXX XXXX has not done that. Instead they continue to send threating letters to sue without having proper license to collect in my state of GeorgiaXXXX I've asked them to send proof of debt and they sent an old bill and a bill does not substitute as proof that a debt is valid. I also asked them to provide me proof that they have the authority to collect in my state and that was not provided either. I demand for this company to STOP all collection attempts and remove my information from their database. I also am seeking remedy for emotional stress due to their threats. I will attach a letter that was sent to me back in XXXX as I am unable to locate the letter they sent in XXXX. I live in the state of Georgia in which XXXX XXXX does not have the license to actively collect in this state. I am seeking {$1000.00} remedy and my information permanently removed from their database immediately. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: FIRST NATIONAL BANK OF OMAHA
State: UT
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:
Someone in FL opened an FNBO credit card ( XXXX XXXX ) in my name. I received a text with a " One-Time Passcode '' from FNBO at XXXX XXXX. Shortly thereafter, an agent from FNBO called regarding the new account. She thought she had been speaking with me as the perpetrator was using some kind of caller i.d . device that projected my cell phone number to her. She was very perplexed and connected me with their fraud department at XXXX. The card was closed. The agent in the fraud department asked that I report this incident to you. My contact information is : 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 2023-01-07
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
I contacted the four ( 4 ) main Credit Reporting Agencies and let them know that they are falsely reporting an account on my consumer report as the creditor stated in writing that they were not reporting on my report. However, they are still is claiming the report as accurate after disputing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Block, Inc.
State: MA
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:
XX/XX/ {$80.00} XXXX  {$200.00} XXXX  {$300.00} XX/XX/ {$300.00} Transactions that occured through cash app. It was a scam for a property that was said to be for rent. I had requested a refund through the cash app with no response yet to my concerns. I am concerned not just for myself but for the many lives who have been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Since 2020 I was checking my credit report and start disputing hard inquires on my credit report. In 2020 i applied to work for XXXX XXXX, XXXX XXXX and later them send it to me a letter when they explain to me that they have a BREACH on their system and my personal information was compromised. I report this to the credit report bureaus without any result. Today i found that Letter and i request the DELECTION or REMOVAL of this inquires on my credit report because doesn't belong to me, this was a fraudulent transaction using my personal information

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 2023-01-07
Company: Penn Credit Corporation
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 status incorrect

Complaint:
On my credit report there is an outstanding collections from city of XXXX utilities stating that I owed {$500.00}. It was then transferred to XXXX XXXX XXXX. i paid the remaining balance in cash and closed out the utilities account in person at a service center when I moved from XXXX in XXXX of XXXX. I did this because I had roommates and we combined our cash to close out the account. I then received a call from XXXX XXXX XXXX a few months later saying a balance was in collections. There was no remaining balance. I have attempted to dispute it with them over the years with no success. This is the only negative mark on my credit at all. I was never even notified there was an issue from the city of XXXX, and when I tried to call them directly they told me the account was at a XXXX balance and closed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my most recent EQUIFAX credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you EQUIFAX permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, EQUIFAX, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.

My contact information is listed above.

Sincerely, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX 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 2023-01-08
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, XXXX and Equifax ) have not responded back to me about my investigation. I sent a letter stating XXXX XXXX XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Report Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 Section 602A states : I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2. It states that a consumer reporting agency can not furnish an account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
On XX/XX/2022 I submitted a complaint to have my transaction history marked as late payments removed from my consumer report due to the company, reporting my information inaccurately. The address on the account does not match mines. XXXX auto finance, XXXX XXXX, XXXX  XXXX auto finance in a XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has contacted my ex husband numerous times trying to collect a debt that is mine that was obtained years after our divorce. The most recent time was Friday XX/XX/XXXX. He has told them every time he is not me and they just keep saying when are you paying this debt. We need it paid. You are the said party and just lying.

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 2023-03-05
Company: Open Dealer Exchange, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Refund all my money owed to me from all the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Tennessee, XXXX Tennessee, and the shareholder in XXXX Alabama, all are run the same,. I PURCHASED a XXXX  XXXX XXXX see on XXXX I paid the insurance company XXXX XXXX XXXX XXXX XXXX XXXX the agent, XXXX XXXX XXXX the sale 's person at the XXXX XXXX XXXX in XXXX sold me a defaulty car with bad mechanical parts no keys was set up nor it had a purged/blocked evap-emission system and my transmission was slipping l. I read the contract front to back I showed up and I called constily he never resolved the problem he just told me don't worry about it. I could of died. I'd have two to three insurance on my side at that procise time XXXX XXXX, XXXX, XXXX XXXX. And still got OVERCHARGED with FULL COVERAGE INSURENCE. WITH AN UNFAVORABLE NOTE ON MY STATEMENT I WASN'T EVEN SUPPOSED TO DRIVE OFF THE LOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) 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 2023-02-07
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last reported XX/XX/XXXX Opened XX/XX/XXXX ( XXXX mos ) XXXXXXXX XXXX Has an Open Balance- {$450.00} Iam the origanal creditor I was wrongly misrepresented as the natural being of this Matter this matter is also outdated from occurred.

Company response to consumer: Closed with explanation