BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a transfer from Ally on XXXX to a new credit union. The transfer was flagged due to it being in a different geographic area ( I just moved. ) My Ally account was suspended then. I called on XXXX and the suspension was removed, but the transfer never arrived at my credit union per the transfer schedule on posted on Ally. On XXXX, an Ally representative told me that my funds would be at my credit union on XXXX. On XXXX, an Ally representative advised that my credit union had returned the transfer due to insufficient funds. ( Clearly, that is not a reason that a credit union would use to refuse an incoming transfer. ) I talked with my credit union, and they had no record of an ACH in the amount in question or the tracing number provided by Ally. The funds posted back into my Ally account on XXXX, but now my account is suspended again. I have called Ally several times and am always told that the matter will be addressed in 1 to 2 business days. I am now at one week without access to my funds.

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 2023-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
previously disputed account through CFPB reference number XXXX and results came back still inaccurate. I have been asking for verification on debt you claim is mine. Results to CFPB dispute came back with a bill statement but bill statement is not a way of verification. Bill statement that was provided as results of verification states credit limit as {$250.00} and balance shows to be {$390.00} at one point and {$480.00} on different bill statement this is not possible. There is no way that balance is higher than credit limit.. I ask that you please provide information on how you claim that account belongs to me. What method was being used to make payments, and what other method is being used to verify that debt belongs to me? As of right now account is still in accurate and I ask that you delete immediately if you can not provide accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax, XXXX, and XXXX continue to report my student loan account with XXXX incorrectly. The account has been paid in FULL. I have sent several letters to the reporting agencies to have the balance corrected.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: J J Marshall & Associates, Inc
State: MI
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 sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts i have listed below. Also i have attached the letter and receipt from when i sent the letter out and here is the tracking number. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion therof in which information on a consumer 's 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. 

They stated my account were verified but how is that possible if they did not do a proper investigation according tot he law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 
I have the credit report showing the inaccuracies. 

Accounts : JJ Marshall & Associates Inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX/ XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 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. States a consumer reporting agency can not furnish a
account without my written instructions.

15U.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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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:
Despite XXXX written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
First and foremost, I used XXXX ( which is a part of Citizens Bank ) for my student loans. Back in XXXX of 2023 I used Citizens Bank to refinance my loans. When they sent the money they didn't send me the right amount of money, they were about {$7000.00} short and I was not aware of this. I received an email about two weeks ago saying I had a missed payment on my account because I thought there was no balance. After speaking on the phone with the bank, they told me they found the error THEY made and they were going to fix it and it's been two weeks since that conversation and I haven't heard anything. I have called every other day asking if they have done everything and they've told me the same exact thing every single time that they're waiting on upper management to approve the new money with the new loan and that they would get back to me in 24-48 hours. I am running out of time and on Tuesday, XX/XX/XXXX, my payment will be 30 days late and I am going to have to pay {$600.00} for an inexcusable mistake that Citizens Bank made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Sir/Madam, I am writing to dispute several incorrect derogatory items listed on my Equifax credit report, which I believe may be tied to incorrect personal information, including my name and address. 

I kindly request your immediate attention and investigation into the following accounts : Account Type : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Status : Derogatory Balance : {$1600.00} each Date Opened : XX/XX/XXXX, Last Reported : XX/XX/XXXX, Account # : XXXX, XXXX Account Type : CollectionXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Status : Derogatory Balance : {$420.00} each Last Reported : XX/XX/XXXX Account # : XXXX Account Type : Open Account XXXX XXXX XXXX Account Status : Derogatory Balance : {$960.00} each Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX These accounts are unfamiliar to me, and I request immediate investigation and removal of these discrepancies from my report in compliance with the Fair Credit Reporting Act ( FCRA ).

Furthermore, I have identified incorrect addresses on my credit report that may have contributed to these inaccuracies. Please update my records with my current address and remove the following incorrect addresses : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Please also ensure that my name is correctly spelled and represented on my credit file, as any discrepancy in my name could further cause incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The Credit Bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, 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:
I received a letter from Experian regarding my membership ID # XXXX and ticket # XXXX. It stated information on my XXXX credit report has been mixed with that of someone else. I would like you to make sure you have correct information on my credit reports and the identify information e.g. addresses, other identification information, and credit accounts belong to me. I provide documentation to verify identity. 

Also, I was apart of two XXXX data breaches. I have been a victim of identity theft for years and have been disputing errors on my credit report for years. My XXXX settlement should have been more than the {$43.00} that was wired to me on XX/XX/23. I believe my file was mixed up so someone else could get my true settlement money. 

15 U.S.C. 1681-1681x - make sure all information is correct as I am a victim of identity theft and have been trying to defend against dangerous individuals, scammers for years.

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 2023-08-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/XXXX which is a FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: WELLS FARGO & COMPANY
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:
THERE HAVE BEEN SEVERAL CONSUMER REPORTING AGENCIES THAT HAVE STOLEN MY IDENTITY. Under the federally protected consumer act, this is illegal and needs to be stopped 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 2023-08-11
Company: EQUIFAX, INC.
State: IN
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. 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NC
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:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report. Please delete the following accounts. 
OLLECTION XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} CHARGED OFF XXXX XXXX XXXX {$1600.00} XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Starting from XXXX, I've made several attempts to initiate the process of opening a savings account with Capital One 360 Savings. However, I have encountered persistent issues not only during the account opening procedure but also with various IT-related matters. Additionally, I'm currently facing difficulties in accessing my active Capital One Venture XXXX credit card details online, which is preventing me from making payments or reviewing transactions since XXXX. 
Throughout this period, I have reached out to Capital One via phone on no fewer than six occasions. I've invested significant hours in these conversations, and during one instance, I was even transferred five times across different departments, including Credit Card, Banking, Digital, IT, and Verification. On each call, an IT problem is identified, and I am advised to wait overnight for system updates. Unfortunately, these efforts have not yielded any positive results. As of now, over a week has passed, and I'm still unable to access my Credit Card activity. 

I have exhausted all available avenues to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: HI
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:
XX/XX/XXXX, XXXXIssue : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ] # XXXX

Company response to consumer: Closed with explanation