BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 I completed a preapproval application with XXXX XXXX for a new vehicle loan. This was a preapproval, soft credit pull. I verified this with a real person at location. On XX/XX/2019 I applied for the loan and was approved and purchased the new vehicle. On XX/XX/2019 I was called by XXXX XXXX and asked to unlock my credit report again. I did not understand why I needed to unlock for the second time but It was explained to me by the sales manager, the salesperson as well as the FINANCE MANAGER that only 1 inquiry would result overall. Much to my surprise on XX/XX/2019 I received another hard inquiry from Honda Finance and also my contract had to be rewritten and resigned. I only ever authorized 1 inquiry. I contacted XXXX XXXX regarding this and am still waiting on the promised phone call that's never going to happen. Honda Finance representative told me when I called in to get a copy of the contract in regards to the second inquiry, " her supervisor said thats just the way it is '' and this can be verified because the calls are alledegly recorded for quality assurance. 

I tried disputing the inquiry for Honda Finance with XXXX  but was told by rep that Honda Finance would have to submit electronically a form to remove the inquiry. This is shady business practices and I will share my story to impact Hondas sales. 

Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
I applied for my Chase Credit Card back in early XXXX and was approved and it arrived one week later. My intention for my Marriot  XXXX credit card was to assure I built a relationship with Chase Bank and to assure that I accrue points for Marriot  due to my high demand in travel for my job. On XX/XX/2020 I got an alert on my XXXX XXXX that my chase credit card was removed, however I did not pay any attention to this because glitches could happen. During this time I was also in the process of helping families at my local grocery store shop for food due to the covid-19 hard financial strains. I arrive to the cash register to be told my credit card was declined and I didnt have another form of payment available at the moment. I could not believe the embarrassment. I contacted Chase and was told by an extremely rude representative that my account was closed and the department that I should speak with has left for the day, then I was hung up on. I could not believe that Chase would be so greedy and unprofessional that they closed my account without any signs of fraud or anything! After a restless night, I immediately waited until Chase Bank opened east coast time to get in contact with the department that closed my account. I was treated so horribly and treated as if I should have never received my credit card that I worked so hard to obtain. I make well over 6 figures and I am building my credit to be impeccable. Ive never shown signs of hardship and Ive never wavered or defaulted on any agreement that Ive ever had. Chase Bank told me that I was not qualified to receive the account that I was qualified for. The reasonings are because all of my account arent reporting to the XXXX  report and Ive decided to apply elsewhere because its been a long time since Ive applied for credit cards. Unfortunately, I cant tell banks to report to all three agencies as I wish. I cant believe that Chase Bank is so greedy and deceitful that my account would be closed without any notice or even a limit decrease, but CLOSED! I am now stuck with a balance that will report to the credit agencies and show that Ive utilized a large portion. And this was not my goal. I wanted to obtain a balance and before the reporting date to pay that back in full. To at least show Chase Bank that I can make that kind of payment and build a relationship. I make double of what the credit limit is a month, so I am fully capable of handling the account. Nevertheless, my ultimate goal is to reopen my account. I dont want to believe that Chase Bank would just shut down my account because it pose a risk that is not there. I dont want to believe that during such a critical time in our country that Chase Bank would allow this to affect a citizen trying to help rebuild the communities and hope in humanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NC
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:
Major Issue Reporting my information to Defense Counterintelligence and Security Agency XXXX XXXX XXXX/ The Credit bureaus stated that my accounts were reported as accurate, modified, removed. Based off my Credit report from XXXX XXXX XXXX this proves to be untrue.

Clause of Article III of the Constitution : I have suffered injurious psychological damage that has come from financial hardship due to lost of employment rooting from Inaccurate reporting. Flagging my Security Clearance/ background  check leading me to be terminated from multiple positions.

There are multiple Open dates, last date reported, the date last active, and the date last reported negligently inaccurate harming me as the consumer. I have already done multiple disputes, this time Im seeking Monetary relief for these mistakes costing me my job and reputation. 

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 My next plan of action if All negative items arent deleted ( a ) IN GENERAL.

Any person who, while a minor, was a victim of a violation of section 1589, 1590, 1591, 2241 ( c ), 2242, 2243, 2251, 2251A, 2252, 2252A, 2260, 2421, 2422, or 2423 of this title and who suffers personal injury as a result of such violation, regardless of whether the injury occurred while such person was a minor, may sue in any appropriate United States District Court and shall recover the actual damages such person sustains or liquidated damages in the amount of {$150000.00}, and the cost of the action, including reasonable attorneys fees and other litigation costs reasonably incurred. The court may also award punitive damages and such other preliminary and equitable relief as the court determines to be appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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 have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.

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 2020-05-13
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing hard inquires that I did not recognize nor authorize. 
XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXt XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: N.A.R., Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$200.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I have never heard of, from, or about what this debt is for. I just paid a collection for the same parent company for almost the same amount. I have not received written, verbal or otherwise any form of communication from debt collector and woke up to find this on my report. I have not been given the chance to validate the debt and if it is valid make arrangements to pay it off and have this collection account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed XXXX XXXX bankruptcy in XX/XX/2020 Sallie Mae was listed as a debtor on this bankruptcy case XXXX my XXXX XXXX  bankruptcy was approved and discharged effective XX/XX/2020, they are now trying to collect this debt. 
Please advise as I have sent them a copy of the discharge. 

Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Sent my letter off on XXXX. 
I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified bu
t how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

( List of accounts Accounts ) Name of Account : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Name of Account : XXXX  XXXX XXXX Account Number : 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 2023-10-22
Company: Experian Information Solutions Inc.
State: NJ
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 FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 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 2019-02-06
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My CD matured on XX/XX/XXXX. I was told to fill out and send a Personal CD maturity form indicating what I wanted done with the funds. I sent out the form via XXXX XXXX Ground, which they received XX/XX/XXXX.

On XX/XX/XXXX, I called inquiring about my check and was told it takes 2 business days to process.

On XX/XX/XXXX, I called again asking where my check was and was told whoever was supposed to process it failed to do so. The rep apologized and said the check would be sent out XXXX XXXX Overnight Delivery and that I should receive the check no later than XX/XX/XXXX.

I called again on XX/XX/XXXX, after not receiving the check and was told that it was going to be sent out that day, but that I wouldn't receive it until XX/XX/XXXX.

TIAA acted very unprofessional and misrepresented themselves by assuring me that I was going to receive my funds in a timely manner after the CD matured. This should have never happened. I have never experienced this before with any bank or credit union.

They were totally negligent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 inquiries. 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 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 2020-12-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: NJ
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 FCRA this creditor, XXXX XXXX XXXX, has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attempted to reach out to Transunion to correct the issues on the consumer report that are incorrect and have not been validated with my original signature and they have yet to provide the proper documents to keep the information on the consumer report by law. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 6048 A, Section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

I am formally requesting that the late payment information be removed from my report as it is incorrect for the following accounts Best Egg- was never late and payments were made on time and are reporting incorrect Navy Federal Credit Union credit Card was never late and has incorrect balances Capital One Credit card was never late and has the incorrect balances Capital One credit card Platinum was never late and has the incorrect balances

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