BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX  XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX XXXX Balance : {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: NV
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:
Per my previous conversation with Equifax in XX/XX/2023, Equifax requested that I resubmit my complaint with a new FTC report. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need 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. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, XXXX XXXX and natural person, was denied credit by Ally Financial when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit. This is a when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605 and 15 U.S.C 1611.

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by Ally Financial due to the response I received.

Ally Financial is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial 15 U.S.C 1602p. 
If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.

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 2023-07-20
Company: EQUIFAX, INC.
State: LA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX : Unknown Inquiry XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : Unknown Inquiry XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX and experian are reporting this account on my credit report. XXXX is from XXXX XXXX. i have asked XXXX  to send me a validation letter but they have not after several requests. XXXX XXXX  is reporting on my credit report this debt has a High Credit : {$1800.00}. 

i have never opened maintained, nor applied for an account that gave me an credit limit of {$1800.00} nor of {$1500.00} like it states on my credit report. 

XXXX and experian both report this on my credit report Last Reported : XX/XX/2023 XX/XX/2023 meaning they verified this account to be correct and completely accurate. 

my question or complaint is if this is accurate where is XXXX XXXX  verification or validation that i am the owner of this debt that is $ XXXX {$1800.00} this has caused me strain on my finances because these accounts on my credit has caused me to have higher interest rates. 

XXXX XXXX has verified this debt being correct as well.

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 2023-05-24
Company: DISCOVER BANK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX : MD Zip:XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : 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 2023-05-24
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I moved in XX/XX/2022. Im a single mother of XXXX barley surviving as it is in this state. I never received anything from the original debtor that this account was going to collections the original debtor is XXXX XXXXXXXX XXXX, not sure if its because I moved or what happened. I spoke to the credit collector ( Bonneville Collections ) after I had received a court order and was sued, when I called to go over what was going on the representative told me well maybe you should have paid your bills and said they had already started legal action and if I didnt agree to pay them in full at that moment or agree to a payment plan then they would proceed to go after me in court. They have now set up a garnishment as of today, I called and ask for verification of the debt and everything that had been done on my account to verify the debt and was told NO, if I wanted any information on my account I would have to obtain an attorney and request them through him. That sounds a lot like Financial harassment to me. I have emailed my attorney but have it heard back from him as of yet. Everything Ive located on Bonneville Collections suggest this isnt the first time they have illegally gone after someone and sued them. My original bill was {$150.00} its now over {$1000.00}, again I was told the only way this was going to stop is if I paid them in full today and they are refusing to release verification of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I attempted to fund a CD from my Goldman Sacks ( GS ) savings account. The receiving bank ( XXXX  ) initiated three transfers to the Goldman Sacks account that went through fine, connecting the 2 accounts. When I tried to transfer {$20000.00} from the GS account to the XXXX account I received an email from XXXX that it had gone through, but then another saying the GS had refused the transfer and therefore was now blocked for transfers to XXXX. When I called GS on or about XXXX they told me that I needed to verify the accounts I was transferring into. I spent ~ 1hr on the phone with GS in three way calls to XXXX to verify both of my XXXX accounts, a savings account and the CD I was attempting to fund. On XX/XX/XXXX I initiated another transfer from the GS savings account to the XXXX CD and from the GS savings account to my XXXX savings account. The money was immediately debited from the GS account but never showed up in the XXXX  accounts. When I called XXXX on XX/XX/XXXX they told me that the transfers were being reviewed, with no time frame and no idea of when the transfers would take place. When I told them that I wanted to close the account and transfer all of the funds, they told me that it needed to be approved by someone but would give me no time frame for when it would be done. In the 6 days since the transfer was initiated they never contacted me. I believe they have stolen the interest on {$40000.00} from me and won't let me close the account. I believe this is illegal and should be punished. Please help me. I've spent about 6 hours of my life on the phone with them that I'll never get back. I don't want to have to deal with them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Account Name : XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXXXXXX. Account Name. XXXX. Account Name. XXXX XXXX. Account Name. XXXX Account Name. XXXX XXXX 

15 U.S.C 1681 section 602 A. I have the right to privacy 15U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my express written permission.

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 or any other adverse item 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 related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. C 6802. A financial institution may not, directly or indirectly through any affiliate, disclose to a nonaffiliated third party any nonpublic information unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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 2023-07-20
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
lvnv was trying to sue me i sent them a response by certified mail. lvnv refused to accept the letters, pictures show letters unclaimed and returned. later the case was dismissed by a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a pre-approval with Chase. The loan officer 's name is XXXX XXXX, XXXX # XXXX. He asked for my gross income, and wanted my W-2. I explained that my gross income is actually higher than what my W-2 shows . I even provided proof of this by submitting an annual paystub that shows the correct gross income. Even after providing proof of accurate gross income, XXXX XXXX proceeded to use the wrong amount, which was significantly lower. He ended up using box 5 of my W-2, for 2022, which shows {$70000.00}. However, Box 12 should also be included, since those amounts are for employee sponsored health care plans. Including box 12 my gross income would be more than {$85000.00}. This would surely affect my loan terms by a significant amount. 

I attempted to politely discuss this with him on the phone, but XXXX was very condescending to me. Not only did he use the wrong gross income, he also ran the pre-approval for down payment of only 15 %, even though I requested 20 %. When I brought this up to him, he condescendingly asked me " can you even afford 20 % ''? This was extremely shocking to hear, especially since I had already submitted all my financials, including my wife 's financials. 

I also wanted to know what credit scoring model they were using to determine my mortgage worthiness, but he condescendingly argued to me that there is only one score. I know for a fact this is wrong, and politely tried to discuss this with him, but he insisted I knew nothing about credit scores. 

XXXX XXXX even had the nerve to file a complaint against me to his own manager, for dropping an XXXX XXXX. The XXXX XXXX was in response to the question when he asked " can you even afford it ''. To which I replied, " you should know this, I just gave you all my XXXX financials ''. That's when I hung on him, and wrote a complaint to his manager, but his manager never responded.

The tone in which he communicated with me on the phone showed clear disdain for me. The fact that he used wrong numbers for my pre-approval, and the condescending tone in which he spoke with me, exhibits clear intent to discriminate against me. I complained to his manager, and tried asking for a revised pre-approval letter, but they are ignoring me now. 

I am attaching proof of conversation in which XXXX admits to using the wrong gross income and wrong down payment amount, including my W-2 and annual paystub that shows my correct gross income. 

What recourses do I have at this point? 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation