BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-18
Company: Paramount GR Holdings, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
GoodLeap is the underwriter for my solar loan. 
XXXX was installed by XXXX. XXXX stated in guarantees that GoodLeap would make sure system was working properly, etc, through the duration of the loan. XXXX then went bankrupt, yet continues to do business with GoodLeap under the new company structure. 
Solar system failed, and I've done everything to get it operational properly again. 
Once I discovered the failure, I contacted GoodLeap to tell them of the issues and they said they'd suspend payments until it was fixed, that they'd let collections know as well. 
Despite several documented requests that they stop contacting me, GoodLeap collections continues to call me several times daily requesting payment. They also raised my interest rate, though there was nothing about my rate ever being raised in the initial disclosures I signed. They have acknowledged that they need to do things on their end to make this right, but despite several return calls and voicemails, their relationship XXXX has not called back nor made any attempts to resolve this in any way. 
GoodLeap collections called me today, XX/XX/23 at XXXX MST, and even though I started off telling her that they're to cease harassment until this is resolved, she threatened to make negative remarks on my credit report if I didn't make payment arrangements right away. I reiterated to her not to contact me again until they have a proper resolution and then promptly terminated the phone call. 
GoodLeap has a history of complaints from the XXXX  as well as the XXXX XXXX XXXX 
I believe they've violated the Fair Debt Collections Practices Act in several ways with many consumers. This needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Central Portfolio Control 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: Account information incorrect

Complaint:
This is not my bill. If it is, no one has contacted me. Reporting on my credit report like I'm missing monthly payments and no such arrangements have been made. They are sending mail to a relatives house who has tried to send back and they keep returning. Did they do an inquiry on my credit report for that address that I used while trying to gain employment in XXXX? Today they reported I missed a payment and my already poor score dropped drastically. This has to be illegal for this collection company to be doing this. 

The XXXX complaint I went ahead and paid what my insurance company should have paid. I asked them to delete this record and they refused to. This is a medical collection that exposed my visit to them ... does this not violate HIPPA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2022-09-21
Company: EQUIFAX, INC.
State: TX
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 Reporting XXXX XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A section 2 : it also stated that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Spring Oaks Capital, LLC
State: GA
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:
Provide the orginal copy of the written notice of debt sent also provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ally finical inc did a report that I did not authorize and they did two reports at the same day.

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 2022-06-27
Company: EQUIFAX, INC.
State: MS
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 XXXX Account # XXXX, and XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX account # XXXX collection account, have all violated my rights. 

XXXX XXXX Account # XXXX was paid and promised to delete information related to the debt removed from all of my credit files. I have filled multiple disputes and the only credit company that has removed this account is XXXX. XXXX and Equifax still hasn't followed suit. They all have been provided the same information to get this account removed. They haven't provided anything in writing as to why this account is still showing up on my credit profile. 

XXXX account # XXXX, XXXX, and XXXX have all violated my rights for failure to send validation of debt and HIPPA authorizations. I have been requesting for months that these collection agencies send debt validations to me in writing and they have all failed to do so. The credit reporting agencies have failed to do so as well. Failure to withhold this information in an attempt to do dirty reporting is a direct violation of the FDCPA because of deception after my written request. 

XXXX XXXX XXXX XXXX account # XXXX is reporting inaccurate and unverifiable information and balances. This agency has failed to validate the this debt they say I owe to them and they are violating FCRA laws. 

These collection agencies have failed to send validation proof of this debt that are saying that I owe. This is a direct violation to my rights. It is my right that under the FCRA 15 U.S.C 1681, all unverified accounts must be promptly deleted. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been trying to get my credit report from this Agency.but all I get is the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Reporting Act XXXX  XXXX CO account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, # XXXX, XXXX consulting account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A section 2 : it also stated that a consumer reporting agency can not furnish an 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 2022-06-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We have tried to redeem our XXXX points on numerous occasions. We have contacted the Credit Card Company and they keep giving us the wrong number. We believe at this time that this company is blatantly committing fraud and has no intention of allowing anyone to redeem points and honor what they have advertise when getting the card. Again, we have contacted Shop Your Way a dozen times and have tried to remedy this matter with no result whatsoever. They continue to pass us off to other people that always ends up as a wrong number. After many attempts to fix this, we felt we had no choice but to report this company to you to protect others from this fraudulent activity. 

Shop Your Way Citi Card phone number for Citi Card is XXXX that number gets you to the credit card no issue. The reward on the other hand is a completely different animal. 

Thank You 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 2022-06-27
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a wire transfer on XX/XX/17, the following business day Ally Bank froze my account. It's been 7 days that I can't login to my account or access any of my funds. I called their " Loss Prevention Line '' and answered the security questions requesting that they unfreeze my account but they keep saying they are looking into it and never get back to me in a timely manner. I don't know how long more this is going to go on for but it's unacceptable.

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 2023-11-13
Company: TOWNE MORTGAGE COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XX/XX/2023 Dear Sir or Madam : I am having a dreadful time with Towne Mortgage, my relatively recent mortgage carrier. We took our a mortgage with them in XXXX of this year. Our first XXXX payments, paid through my XXXX XXXX service at my XXXX bank, went through without a hitch. We had the XXXX payment sent by the bank on XX/XX/2023. The bank account indicated the check was cashed by Towne Mortgage on XX/XX/XXXX. On approximately XX/XX/2023, we received a letter from them claiming the check had been returned and the funds returned. This is untrue. I met with my bank XXXX and the records were carefully searched. It is not actually possible to stop payment on a paid check anyway. No monies have been returned to either my bank or to us. 
I called XXXX XXXX at Towne Mortgage and was told the check had had a XXXX XXXX placed on it after it was cashed and the money returned. This is not possible. After a check is cashed it can not have a stop payment put on it. My bank checked carefully all records, no stop payment was requested, no money returned. They have provided Towne Mortgage with that information and, at my request started a dispute and investigation. Towne Mortgage, after promising to look into for me and get back with me not only has not done that, they have reported our payment as late to all of the credit reporting agencies. Our credit scores have gone down XXXX points as a result and we are being told by both our bank and Towne Mortgage that it will be XXXX days before this is resolved. Is this fair to ruin our credit for months when we did nothing wrong, the mistake is on their end? I have asked Towne Mortgage repeatedly to provide documentation of who supposedly stopped the check and who they sent the money back to, if they did, indeed refund money. It sounds like they either made an error, have an XXXX employee or have been hacked. 

Our payment was not late and was for slightly more than the amount due. They have now cashed the XXXX payment as well and have not said anything about a problem with it, at least not yet. 

I have filed a dispute all of the credit reporting agencies, and appreciate you taking a look at this XXXX XXXX practice. Thank you in advance for your work.information. This has been stressful and dismaying. 

I strongly suggest that all consumers avoid Towne Mortgage. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2022-08-19
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} TransUnion : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}

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 2022-06-07
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Charles Schwab Bank recently charged off a negative balance on one brokerage account for about {$660.00} on XX/XX/2022 from an error on THEIR END. THEY NEVER NOTIFIED ME OF THIS OR SENT AN EMAIL OR ANYTHING. NOW I TRANSFER IN {$800.00} TO MY ACCOUNT WITH BALANCES OF {$0.00}, NO NEGATIVES AND THEY TAKE MY WHOLE {$800.00} THAT I AM USING FOR RENT. HALF OF THEIR STAFF SAYS TO TRY USING MY CARD AGAIN EVEN THOUGH IT CLEARLY SAYS RESTRICTED. THIS IS A NIGHTMARE THEY WONT SOLVE IT BECAUSE SUPPOSEDLY THE MARGINS TEAM DIDNT LEAVE A NOTE ON THE ACCOUNT. THIS IS XX/XX/XXXX AND IM BEING TOLD MY ACCOUNT WAS RESTRICTED DAYS AGO WITH NO EMAIL OR TEXT OR CALL OR LETTER, JUST STEAL MY MONEY THE NEXT TIME I TRANSFER MONEY IN?!?! WHY WOULD YOU LET ME TRANSFER MONEY IN THEN?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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