BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am reaching out to the CFPB to complain about Experian who is in violation of the Fair and Accurate Credit Transactions Act ( FACTA ). I have contacted them many times in regards to my identity being stolen. Even though I have provided them with an identity theft police report and supporting documents. They keep saying that relevant information was illegible and blocked out. This is a complete lie. I will attach my identity theft police report, so the CFPB can see that my identity theft police report is legible and clear to see. If they need more information then they can reach out to the detective who is investigating my case. I can only provide to Experian what has been provided to me. Different law enforcement agencies have different police report. This is out of my control. They are suppose to remove fraudulent information with a police report. Again, they continue to be in violation of the Fair and Accurate Credit Transactions Act. If they need any further information they can contact Detective XXXX # XXXX Incident report XXXX Phone # XXXX Email : 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 2022-08-22
Company: Experian Information Solutions Inc.
State: OH
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX. These companies have NO permission to report anything using my info pursuant to 15USC 1681 XXXX. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
XXXX XXXX XXXX XXXX is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. XXXX XXXX XXXX XXXX has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. XXXX XXXX XXXX XXXX has sold this alleged debt to another company named XXXX who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXX XXXX XXXX XXXX XXXX instructing the XXXX to remove this account tradeline from 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 2022-04-25
Company: Key 2 Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Key 2 recovery is constantly trying to contact me at my place of business. I have emailed them stating to stop contacting me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX XXXX I was notified of an unrecognized transaction on my Ally bank statement. 

Some one had use my card info on XXXX and charged my debit card {$400.00}. It did not happen from my actual XXXX account and I have no idea who got access to my card or how it even happened. 

Once I realized this happened I contacted my bank directly explaining the issue. I was told to file a dispute and that it would take 10 days to hear back. Yesterday I got the letter from my bank stating since it was a third party transaction I needed to reach out to XXXX regarding the situation. But when contacting XXXX, they told me to contact my bank. 

So no one seems to be held liable to this fraudulent charge meanwhile I am out {$400.00} and had to get an entire new bank card while this scammer gets to roam free with MY money. I don't understand how neither the bank nor XXXX is liable to protect me or my funds.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent dispute on XXXX XXXXi have not got the results. my report have a lot of inaccurate. can someone please look at it

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 2022-12-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 U.S.C 1681 XXXX XXXX : # XXXXXXXX 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 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 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 adverse item of information, other than records of convictions of crime 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. Pursuant to 15 U.S.C. 1692 ( G ) section 809 ( B ) I humbly request your agency sends proof of validation made pursuant to the FDCPA laws, please provide the amount claimed owed, an explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor, and confirmation that the account has not crossed the statue of limitations ( SOL ) period. I would like to inform that the agency has reported invalidated account information, it will be regarded as fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency you represent, then I will be compelled to take legal steps against your agency for the reasons mentioned. Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A. Defamation of character *Use of my copyrighted property. I will need a minimum of 14 days to investigate this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
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 Credit Reporting act XXXX Texas Office of Attorney General  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 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I, XXXX XXXX a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Tranunion of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Transunion must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for transunion 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Transunion would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Transunion stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that transunionanswer the following questions so I feel confident that their investigation efforts were not made in bad faith. 
What was Transunions method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that you conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Transunion verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did transunion verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. 
Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is transunions grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I recievied a letter from Bank of America saying that I had suspicious activity on a credit card ending in XXXX, that I do not have or never opened an a account..

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 2022-06-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries Of Credit Cards were made to my report without my consent i never applied for those credit cards which they were made on this following dates XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: NJ
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 the account below, my rights were violated : XXXX XXXX Bankruptcy # XXXX 15 U.S.C. 1681 Section 602 A States I have A 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
XXXX XXXX attached a screenshot of report, this is a medical collection that I disputed with Equifax they said it was Verified how did you verify this without breaking HIPPA Laws and you have failed to Enter Comments that this account was Disputed by consumer it must be entered at the time of dispute, Remove for violations for not entering consumer disputed, you can clearly see they have verified this account because last reported shows XX/XX/2022 how did you verify amount owed without breaking HIPPA Laws what PROCEDURE WAS DONE TO HAVE THAT AMOUNT, so you could not have verified this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Had my account for a few years now and my account was great standing paid never late no issues plus I was receiving a lot of reward points all the sudden the company dropped my limit put my account overnight then closed it they said they pulled a credit report and lowered my account limit. First off they had no right or permission pulling credit this is illegal pulling reports without permission this all happened sudden XXXX I had over XXXX dollars in rewards and as they closed it I had over XXXX accrued for next year and now because they illegally forced my account closed I loose all that I 100 percent believe because of how it went and when I called them how they acted that they did this so they didn't have to keep paying out high reward points I know XXXX j had to pay over XXXX XXXX dollars for taking reward points from people and now this card company is doing to same thing with people that continuesly get high rewards this is fraud and highly illegal Citi card needs to be held liable and people have a right to know how they hurt people and break the law

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 2023-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Someone applied for credit in my name I know this because I was notified thru credit monitoring and it shows credit inquiries. 
* XXXX XXXX XXXX  XX/XX/2023 XXXX * XXXX XXXX XXXX XXXX XXXX EQUIFAX/XXXX * XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX * XXXX XXXX XXXX  XXXX XX/XX/XXXX and XXXX * XXXX XXXX  XX/XX/2023 EQUIFAX/XXXX XXXXXXXX XXXX  XX/XX/2023 XXXX I have called and they said they couldn't give information out, I did not apply for credit or apartment, I am requesting that these be removed.

Company response to consumer: In progress
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to have this extended fraud alert deleted from my Experian credit profile. 


XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2022-07-02
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:
I disputed this it came back verified, even with the payment history being wrong on all three Bureaus this is a charged off account and payment is history is incorrect, and none of them has entered consumer disputes this account this is a violation and MUST be entered when the account has been disputed attached report to prove history is wrong and no dispute comment was entered at all, remove account immediately you can not make any changes on a charged off account it is closed this can not be updated, re-opened or show any activity. 

Equifax shows 60 days late no 30 day late, also shows co, co, co, OK. Equifax also failed to enter comment disputed by consumer remove for violations this is required to be entered after a dispute was made XXXX shows 30 days, 60 then co XXXX co XXXX co XXXX co XXXX co XXXX also failed to enter comments disputed by consumer remove for violations this must be entered at the time of dispute XXXX has never reported any payment history on this account and also failed to enter comments Disputed by consumer Remove for violation this must be entered at the time of dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NY
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 have placed disputes on three separate occasions, each returning as verified correct. Federal law code 15 US code 1679c allows me to dispute inaccurate data which also pertains to rights as a consumer I am allowed to view HOW they verified such information. Using e-oscar at times proves not to work. By law information supplied to credit agencies must provide accurate and true documents with my signature showing validity of debt. I have asked twice for how these were verified with the question for validation proof that has been left ignored. 
My issue is with the following accounts : 1. XXXX XXXX XXXX reports XXXX in payment history with last payment made XX/XX/XXXX ; XXXX  reports this account had 1 late in XX/XX/XXXX, with last payment made on XX/XX/XXXX ; while experian reports 7 lates and last payment in XX/XX/XXXX. 
2. XXXX XXXX XXXX reports XXXX in payment history with last payment XX/XX/XXXX ; XXXX reports 100 % on time with last payment XX/XX/XXXX and experian reports 6 lates with last payment XX/XX/XXXX. 
3. XXXX XXXX  XXXX XXXX reports XX/XX/XXXX as last payment with no lates ; XXXX  shows XXXX lates but only one 120 late ( XXXX ) with last payment on XX/XX/XXXX while experian reports c/o every month last two years with no 1st delinquency date.

4. XXXX XXXX XXXX reports no lates with last payment XX/XX/XXXX, XXXX  shows 4 lates despite also showing XXXX with last payment XX/XX/XXXX and experian shows XXXX CO dating back to XX/XX/XXXX. 

These XXXX accounts quite obviously were NOT investigated as requested being each of the three bureaus report different information. Due to this I have the rights to have all 4 immediately removed from my reports. 

Attached is proof of what I am claiming. Please note despite these showing experian as address too, each company had their own same letter addressed to them.

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 2022-06-08
Company: Upgrade, Inc.
State: NY
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:
XXXX XXXX  issues the Upgrade Visa card. This credit card reports only your amount balance owed, to the 3 credit bureaus, without also reporting your total credit limit. This results in your credit utilization being listed as 100 % usage for the Upgrade visa card which causes your overall credit score to drop. I attempted to rectify this issue with Upgrade visa customer service 4 months ago. I was told they do not function as a regular visa credit card since they are also a line of credit. This means they do not have to report your entire credit limit, to the credit bureaus, only the portion you have used the balance owed. I stated to them this policy is inaccurate and unfair and only succeeds in lowering your overall credit score. All financial lending products in my experience have always listed on your credit reports the amount you owe, as well as your credit available limit.

Company response to consumer: Closed with explanation