BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: SYNCHRONY FINANCIAL
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:
Fraudulent account has been disputed on several occasions and creditor refuses to removal this account. I have requested on several occasions that the Identification and application submitted to open this account be forwarded to me. This has not happened. In previous disputes the creditor has sent me billing statements. This does not constitute proof. I am not disputing whether the account exist. Im not the liable party and the account needs to be removed off my credit report immediately. The creditor has asked me to send in more documentation when the burden of proof is not on the consumer. If this account is being " verified '' when its disputed, the creditor should have proof of who opened this account. There should be a copy of the application with my personal information on it as well as the identification used to open this account. It doesnt exist. REMOVE THIS 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 explanation
Consumer complaint received 2023-02-27
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2022-07-08
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

cores Details I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX/ {$5900.00} / XX/XX/2022 XXXX XXXX XXXX/ {$2600.00} / XX/XX/2022 XXXX XXXX XXXX/ {$7600.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.

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 2022-10-01
Company: Experian Information Solutions 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 wrote to the bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the XXXX Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.

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 2023-02-22
Company: SANTANDER HOLDINGS USA, INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santander. via Chrysler Capitol. I bought a XXXX for XXXX. I put a cash down payment of XXXX. I was told by XXXX who found me the loan, that the minimum loan amount was XXXX. The XXXX dollar loan cost XXXX plus an additional early pay off fee.Santander charged me 14.73 % without me having employment. Chrysler Capitol would not disclose the extra fee I incurred by paying the loan off early. Chrylsler Capitol customer service told me to go re read all payments and add it up. That I had to pay the full amount of interest no matter how quick I paid back my loan. I was not informed of these terms.I did not get any compensation from the Santander lawsuit for sub prime lending practices or preditory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent several requests to TransUnion disputing the personal information and they refuse to delete inaccurate information. The addresses they are reporting are not mine. Some of the addresses listed ARE NOT EVEN VALID ADDRESSES, which is proof that they are not investigating this information. A quick USPS search will show that some of the addresses do not even exist! The only valid address on my credit report is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Delete the incorrect AND invalid addresses and provide me with a copy of my updated credit report reflecting the CORRECT information.

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 2023-07-03
Company: RLB Texas Auto Center LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
to whom may concern On XX/XX/XXXX, I leased a XXXX XXXX XXXX, XXXX at Texas Auto Center XXXX XXXX XXXX. I paid a cash deferred down payment of XXXX XXXX 
Unfortunately, upon further review of the contract, I noticed several inconsistencies in the pricing and financing terms that were not disclosed to me during the negotiation process. I feel these discrepancies were intentional and designed to be deceptive in order for me sign a contract that was not in my best interest. A few of the discrepancies have been identified as the amount owed on the vehicle and what is being reported to the credit agency XXXX concerns with the electronic signature such as the misspelling of my name missing information in the contract information that was input not by me information that was misrepresented as being a requirement when it was optional insurance fraud aggressive sales techniques high interest rate inability to successfully contact and communicate with the dealership to obtain any information regarding my lease payment information or receipts In additional, once a copy of my contract was finally forwarded to me, the information detailed between the two differed. 
I have attempted to contact the dealership multiple times to address these issues, but have not received an adequate response or resolution. I've always gotten the run-around. This lack of communication and accountability is unacceptable. I can never get a straight answer. Always put on hold. Always told " NOT able to give that information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Company ( Enhanced Recovery Corporation of XXXX, FL ) filed a collection which turned up on my credit report. The collection is for a debt dating from XXXX 2009, which is past the statute of limitations ( SOL ) for Florida. The company never contacted me via mail or any other method. When I called and pointed out the debt was past the statute of limitations, I was told they could not help me. From the company 's information it appears they assumed the debt after the SOL had past, indicating they knew it was invalid, but were attempting to collect regardless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Choice Recovery, 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 act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Line of Credit Contract Number XXXX is missing payment history information and the balance owed is incorrect. 

The payment history should be updated and the actual balance remaining should reflect XXXX. 

II. My address should also be updated to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I mailed in the address request XX/XX/XXXX  and it is not reflected in the system with any of the credit bureaus.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 : {$0.00}, XXXX XXXX XXXX : {$3100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$560.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$250.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00}, 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 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 2023-06-16
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
This strange collection on my credit report I have no relationship with the debt collector and dont owe them a debt. 

They need to prove to me that they are the owner of this alleged debt with a contract or some purchase contract who they are saying they got this alleged debt from. 

If they have bought from another debt collector I want to see the chain of assignments going all the way back to this original creditor. 

If they can not provide any of this, then this is identity theft and defamation of character. 

They are also reporting inaccurate to the credit reporting agencies that do not add up. 

LVNV FUNDING LLC Account Number XXXX The date of the last activity does not match. XXXX is reporting the date of the last activity as XXXX/XXXX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

They are breaking the law by reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been in contact with this company as well as the Consumer Reporting Agencies since XX/XX/2021 in regard to this fraudulent account reporting on my consumer report. Account number : XXXX I have receptively attempted to have this matter handled and JP MORGAN CHASE fails to follow FDCPA and FCRA guidelines. In fact, with complete disregard they violate FDCPA and FCRA laws by falsely reporting multiple late payments in one month. This erroneous and egregious act of trying to attempt on a fraudulent debt has caused tremendous turmoil in my livelihood. As JP MORGAN CHASE has violated Section 623 ( A ) ( 1 ) ( A ) ( B ) as they continue to furnish this fraudulent account to the Consumer Reporting Agencies.

As well as 15 USC 1681o 15 USC 1681s-2 I am also entitled to remedy for every late payment that has been reported since notice of the dispute of the fraudulent account. I have not received any goods or services from this company and have no intentions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
cores Details I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX/ {$5900.00} / XX/XX/2022 XXXX XXXX XXXX/ {$2600.00} / XX/XX/2022 XXXX XXXX XXXX/ {$7600.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-07-02
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I began using a new bank this week, Chime Bank, based on the fact that they help build credit and seem very easy to work with. My paycheck was direct deposited into my Chime account at XXXX on XX/XX/XXXX, totaling XXXX dollars along with a XXXX dollar referral bonus. Because the account was opened this week, I had yet to receive my debit card. I needed to transfer some money from Chime into my alternate checking account but could not figure it out in the app. So at XXXX on XX/XX/XXXX, I called Chime customer support where they attempted to assist me and claimed my account needed to be activated and they would take care of that for me. The customer service agent instructed me to check the app again in 45 minutes and I would be able to transfer money without any issues. When I went to check my account an hour later, XXXX dollars had been transferred out to a dummy account leaving me with XXXX dollars. I immediately called Chime and after 3 hours they were able to confirm that my account had been hacked by the previous customer service agent and they had taken my money. Chime said they could not give me a temporary credit and could potentially never get my money back. I've filed an official police report against Chime and the customer service agent that hacked me. Chime is currently investigating the fraud and will be updating me. I can supply those documents to you as they come in. 
Because of this, I can not pay rent, can not afford my prescriptions, dog food, gas, phone bill or any food for myself. I'm broke until my next paycheck and even though Chime can confirm it was their employee who took my money, they refuse to do either to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
My ex-wife has been using my social security number without my consent or knowledge. Upon completing in-depth research, my Social Security Number had been utilized to check ( at least ) my credit scores on XX/XX/2022 and XX/XX/2022. I have documentation of these two dates, but my SSN may have been used for more than that, as my credit score dropped significantly through one of my lenders. I know this is illegal and want to follow the correct steps to remedy this situation ( fines, cybercrime, etc. ). Her actions have detrimentally impacted my credit score, my financial reputation, and have left me feeling vulnerable, exposed, and worried about the use of my social security number.

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