BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: OPORTUN FINANCIAL CORPORATION
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:
On XX/XX/XXXX I sent a letter to Oportun Financial Corporation letting them know that I reserve my rights to opt out per 15 u.s.c 6802 and yet they are still reporting to all 3 major credit bureaus effecting my credit score adversely and continuing to violate my rights by reporting inaccurate information and, harassing me by phone which is a violation of 15 u.s.c 1692 ( d ). They are also impeding my right to fair credit by violating 15 u.s.c 1681 ( a ), 15 u.s.c 1681 ( 2 ) ( A ) ( 1 ), 15 u.s.c 1681 ( b ), which are apart of The Fair Credit Reporting Act, which states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party which then is in violation of The Privacy Act of 1974, 16 CFR 313.1-313.3 and 39 u.s.c 3001 ( d ) ( 1 ) ( 2 ) ( a ) ( b ). I would like this matter resolved in a timely manner and in way that is fair to me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, 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:
I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! 

This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my address has never been different. 

my DOB is XX/XX/XXXX i just turned XXXX 3 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
this is not my report XXXX please remove from all XXXX reports

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 2021-08-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed my credit card. When I called, the supervisor stated a letter was sent, which o still did not receive. He suggested to look at credit report. 
I looked at XXXX. 
Chase close my card based on how I paid XXXX. My question? Did Chase not issue me a credit card after these incidents? 
XXXX XXXX is reporting information from XXXX that appears as open accounts. I disputed one of the credit lines and the bank and I disagree. I paid XXXX credit cards for both XXXX XXXX and XXXX. 
The second credit line is perplexing. 
Perhaps a different person 's. Explored with Chase and could this belong to me with another last name? 
XXXX continues to report these credit lines XXXX. The credit line was opened in XXXX and closed. Do not have date. 
However what happened to the 7 year rule for things to drop off? 

XXXX is the only bank that does not work with someone if a problem arises. At least, they ate my XXXX out. I can not buy a small condo! 
And my only credit card with a credit line of XXXX paid perfectly for 2 years just shut by Chase because they don't like how I pay wells..in XXXX! 
Why not look from the present and go back before you close a card.. look at dates.. 
I disputed those issues with XXXX and next it will have to be an attorney. I am XXXX and my former husband is responsible for this mess. But, he can work!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been investing in crypto for the past year and trading via my BinanceUS account. Recently, my ability to trade has been suspended arbitrarily forcing me to miss out on key selling and buying opportunities in this extremely volatile market resulting in losing thousands of dollars. Once that issue was resolved, BinanceUS then suspended my ability to withdraw any amount of funds from my trading account. I created a customer support ticket # XXXX on XX/XX/XXXX and # XXXX. To date, I have not received a single response. 

I would like to have full access to my account with the ability to trade AND withdraw my funds at my discretion immediately. This is a very urgent matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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 Credit Reporting act. 
XX/XX/XXXX Account # XXXX ( XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2021-08-23
Company: EQUIFAX, INC.
State: NY
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:
on multiple occasions I've tried to access my Equifax credit report online via the my.equifax.com only to not see any information, I'm directed to call customer service, I do so then I'm put through a series of questions to verify myself, I do so, I'm told some information is incorrect, I explain to them the issues with the information they have incorrect is my date of birth, they want me to send more identification such as my social security card and drivers license, I'm currently aware of their data breaches in the past so I'm not comfortable with this process where as I've sent this information along with my dispute letters recently as XX/XX/2021, This issue has been noticed since XX/XX/2021 and I've tried a total of 4 phone attempts to rectify this issue only to have copies of my credit report to be sent to my home. on one occasion I somehow got the verification questions good enough to gain access and be told I would be able to see online credit reports on my.equifax.com only to be disappointed still to this day XX/XX/2021 I can not access my online profile I can't see my Equifax scores on XXXX, XXXX XXXX, my.equifax.com, XXXX XXXX monitoring app, or XXXX after I've disputed items reported on my credit report I start having issues accessing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I noticed that a previous address that was entered as my information is not correct. I have never lived at the address on XXXX XXXX. The current information is correct, but the previous address is not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received the results of my dispute ( Confirmation # XXXX ), and Equifax allegedly 'verified ' that trade line XXXX XXXX XXXX belongs to me. I complained against XXXX XXXX in CFPB Case No. XXXX. I also sent XXXX XXXX a FACTA request, which it received on XXXX/XXXX/2016. I demanded XXXX XXXX produce the exact contract for debt that I allegedly signed. It is now XXXX/XXXX/2016, and I have not received such proof. If no proof exists, Equifax needs to delete this trade line immediately, as the Fair Credit Reporting Act ( FCRA ) does not permit reporting of accounts without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
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: Problem with personal statement of dispute

Complaint:
I have an account with  XXXX   XXXX  and I recently checked my credit scores with in the last few weeks and noticed my Equifax score dropped over a  XXXX  points with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was selling a antique stove for {$8000.00} on XXXX XXXX for my mom who is XXXX XXXX XXXX and a person named XXXX XXXX contacted me to purchase. He sent me a check for {$11000.00} which {$3000.00} was to be sent to movers on XX/XX/XXXX thru my XXXX account, the person receiving the money was named XXXX XXXX and her email address was XXXX later in the evening I received a message from XXXX XXXX letting me know that he wanted to cancel the transaction because his only sister who he was buying the stove for got into a serious car accident and was in the XXXX Ohio emergency room, he gave me the phone number of the hospital which was XXXX and when I called a person answered phone XXXX Ohio emergency room, we gave him the information and he continued to give us Information that if this was a true hospital it wouldnt have been given because of HIPPA.He wanted me to send all the money to pay for a operation that she needed right away. I didnt respond then he sent a picture of a woman lying in a hospital bed so I showed my daughter XXXX who did a reverse picture lookup and the picture was from 3 years ago of a softball coach who was in a car accident. I knew then I was scammed so I called Ally bank fraud department right away to let them know about the check, the person I spoke to said he believes it is money laundering. I called again on Thursday to get more information and I was told that my account will be locked I will not be able to take money out and all the money needs to be paid back to bank and this will be reported to credit bureau. I was very upset about the whole situation so I had given permission a number of times for my daughter XXXX to speak with customer service at one point a person named XXXX accused my daughter of impersonating me she also spoke to another person XXXX who was extremely rude as was XXXX. I have spoken to a number of people from Ally bank who were either nice to me or rude. This whole situation is a nightmare, I am being treated by Ally bank as a thief because of the fraudulent check that I didnt know was fraudulent. I have been with Ally bank for a long time my record is clean I have worked hard all my life and this is how I am treated by Ally. My accounts have been locked I dont have access to any money and I have bills to pay. At one point I called to find out my balance and I was told to stop calling. I filed a police report with the city of XXXX on XX/XX/2022 the incident number is XXXX. Ally bank should back up their customers not treat them like thieves. I have filed a complaint with the Attorney Generals office, FBI and 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 2018-10-03
Company: ALLY FINANCIAL INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2018 I needed to buy a new used car, I started to submit applications for USED VEHICLE LOAN with XXXX, and my Credit UNion. My Credit Union In DC offered 2.4 % and I was working on to get this loan. 
IN meanwhile I shopped for other auto loans all around including with XXXX, with Credit UNion and thru my dealer, XXXX XXXX of XXXX. 

I recognise hard inquiries from XXXX x 1 inquiry, I recognise 1 Hard INquiry from Credit UNion, and I see 1 hard inquiry from XXXX XXXX and 1 from XXXX. 

However, I was surprised to learn that there is fourth hard inquiry from and by ALLY FINANCIAL of either MN or XXXX XXXX CA. 


I did not apply for a AUTO LOAN to ALLY Financial. 

Moreover, I am horrified to learn about HOW MUCh INFORMATION is there on my ordinary XXXX  credit report about me and about MY PROPERTY- I presumed that ALLY Financial consider my HOME in form of COLLATERAL against AUto LOAN?? are you kidding me? 

that I will place my HOME as a collateral against car??? 

UNHEARD OF!!! 

When I received this Credit Report from XXXX, in XX/XX/2018 and I studied it, I realized that there is ALLY FINANCIAL whom i do not recognise. 

I was horrified about how much information ALLY Financial Provided about me on XXXX  C Rep. 

The information on page 3 is taken from the District of Columbia Real Estate LAND OFFICE, where there is a confidential information about my property FOR YOUR EYES ONLY! NEED to know basis. 
However now everybody who is not lazy can dig out my C Rep and  read it like a novel. 

I protest against such a violation in my privacy and disclosure of my property information on ordinary credit report. 

It is very upsetting. 
I dont know who these people are. ALLY Financial. 
And I want this report to be OUT from my Credit Report. 

I called to XXXX and I asked XXXX to remove it. 

In XX/XX/2018 I was still weak after my 5 hours XXXX in XX/XX/2018. 

But now i am strong and this hard inquiry -- disclosure is not recognised by me, I did not do it, I did not made my home as a collateral against auto loan. 

I want them ( ALLY ) to remove this piece of hard inquiry by Ally Financial from my Credit Report on XXXX. 

PS I received several mailers from ALLY FINANCIAL. I wanted to save it to include to my complaint, but alter I threw it away. 

however, I collected now all double inquiries and unknown to me inquiries like Ally Financial, and I am filing complaint against this abuse I dont know who these people business are. 

I have nothing to do with them. 
And I would NOT I would NOT place my home as a COLLATERAL against a auto loan. 

It is just a car no matter if it is XXXX or XXXX. And My VA home loan guarantee is a HOME. 
Home is Home. It is in the BIBLE : SHELTER CLOTH and FOOD. There is nothing about CARS in the BIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: NV
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:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from Experian or XXXX credit agencies. I did receive a response from XXXX but they did not resolve all of my issues.

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 2021-10-07
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:
On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer 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 explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
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:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the XXXX day investigation window allowed by the FCRA has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I 'm in the negatives at PNC Bank and a lady name XXXX called my coworker at my place of work XXXX/XXXX/2015 between XXXX & XXXX to have her let me know of my debt and asked my coworker to tell me to call immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
XXXX of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my equifax report to be closed.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2017-05-31
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
i disputed with experian credit bureau and received a letter back in the main about this company  XXXX  saying return to sender. This has been since  XXXX    XXXX  ,2017

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 2022-02-24
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't owe anything to Credence Resource Management with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX  since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent sent a letter about a XXXX XXXX account that was paid in full XX/XX/2019 through a collection company called XXXX XXXX XXXX in the amount of {$230.00}.

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 explanation