BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: Synerprise Consulting Services, Inc.
State: OK
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:
In accordance with ; 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.

I am allowed to provide a statement explaining my dispute ( up to 100 words ). This clause does not state what the content should be, and 100 words is not enough to explain the fraud that has been committed by the Dr. related to this item on my credit report. I have instructed XXXX  to provide the following link to explain my position and the truth of this fraud. 

This amount is in dispute, visit " XXXX XXXX XXXX '' for a full explanation. 

XXXX  has refused to add the statement I have provided in accordance with my rights under the paragraph of the act mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im having issues with navy federal and they denied me about my account has been restricted cause someone eles put money in my account with out my permission and they did not believe me at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: NV
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:
Experian is reporting the trade line XXXX XXXX as a mortgage with a term of 3 months. This is a gross error and attached you will find proof of the error. The actual term was 36 months. Attached you will find proof of this.

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 2022-08-18
Company: EQUIFAX, INC.
State: AL
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 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 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 an account without my written instructions/consent. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I RECIEVED A LATE ON MY STUDENT LOAN IN XX/XX/2021, THEYRE SUPPOSE TO BE IN FOREBERANCE RIGHT NOW DUE TO COVID,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
( ORIGINAL COMPLAINT ) XXXX XXXX XXXX : Account # XXXX. XXXX XXXX XXXX engaged in deceptive practices when I deposited money to make a credit card payment into their financial institution and received a receipt. XXXX however, decided despite the payment receipt and me depositing the money for the purpose of the credit card payment, that they would apply this payment to another account. This in turned caused a late payment on this account. In subsequent phone conversations, XXXX representatives assured me that this would be corrected. It has not, and as such, I am demanding that this missed payment be removed. I have attached a bank statement showing the deposit made into the account. The day after a deposit was made to the cc, the financial institution transferred the money to two separate loans. NONE of the accounts were more than 30 days. The institution caused the late payment. I have attached both my bank & credit card statements ( highlighted ) with the deposit made & paid. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

( FOLLOW-UP ) The company has not corrected the issues to date, even after sending a letter stating that they would. I have called for months to no avail. The responsible department does not call or follow-up. The representatives state that the department only responds to emails and does not take calls. Well, they do not return internal email requests or calls either. This is an unfair practice to consumers! This negatively impacts consumer credit reports and time. I am attaching the letter received from the credit union. I would like my report to be corrected and XXXX investigated for deceptive practices and for violations of federal law. Regulatory action should be taken against them! XX/XX/2022 spoke with XXXX XXXX, she stated that she is filing a complaint and submitting to her supervisor, but nothing is done!

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 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 an account without my written instructions/consent. 

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 non-monetary relief
Consumer complaint received 2020-09-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello on XXXX of XXXX I opened a XXXXhase Checking & Savings account and was approved. I made a change on my wage to be directly deposited to Chase and also transferred $ XXXX of amount from my XXXX account to Chase. However on the XXXX I tried to access their mobile application and I got a note saying that I had suspicious activity on my account and hence needed to reach out Chase. I just learnt this by accident checking the app otherwise I have not noticed it. I gave them a call and they told me that my accounts were closed. I really do not understand how an account could be approved at the first place and you complete transactions and after 2-3 days later they are closing it. If the accounts were not going to be opened in the first place it should have stated that they need more time to review. I am getting approved and all of a sudden the accounts are closed without no call from the bank. I also sent $ XXXX from my other account to these accounts however I am not sure where this money also went to. I am not getting a clear answer from Chase ... this is really unacceptable customer service. I also have a credit card and a car loan balance with them. I have not missed a single payment in my life and my credit score is ~750. Now I am being flagged as doing a suspicious activity. I truly do not understand what I have done wrong. If having multiple credit cards are suspicious activity I think everybody is doing it. I have to now re speak with my payroll department to re initiate my wages to my old bank. Also I am not sure how I am going to be getting the $ XXXX back. If I needed the money urgently what would have happened. This is the first time I am experiencing something like this and I am in total shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In the last several days on my Transunion report I have had 3 accounts removed because they were fraudulent collection accounts. My score has dropped over 50 points because they took off false information. That is not how things work.

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 2023-10-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i have been trying to get 3 my credit reports and i keep no result from all 3 credit bureau. i was denied on XXXX XXXX XXXX because the bureaus arnt allowing it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: IN
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:
Went to XXXX 's app and website to make payments, was told that payment and autoenroll of XXXX $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!

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 2023-10-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Reporting Transaction history is illegal 15U.S.Code1681b-Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report uder the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.They need your written consent to add any thing to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L90321 ( 82Stat.146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to are quest by the head of a State or local child support enforcement agency ( oraState or local government official authorized by the head of such anagency ) 15U.S.Code1681c Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12CFR1022.3 Definitions Identity theft means afraud committed or attempted using the identifying information of another person without authority.Anything added to your report without your written consent could be considered Identity theft 15U.S.Code1681c2-Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumeridentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The agency continue to blatanly violate these and other regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
RE : Nissan Consumer Affairs ( LEMON LAW ) Case # XXXX VIN # XXXX On XX/XX/XXXX, I contacted Nissan Consumer Affairs because Engine Light came on four different times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) after being serviced by Nissan Dealership, on my new XXXX XXXX XXXX. I contacted Nissan Consumer Affairs and initiated a complaint of Lemon Law due to defects of the vehicle. I requested for Nissan to return the vehicle back into their possession. Nissan assigned my case to XXXX XXXX, Abritration Specialist 1, Dispute Resolution, Phone # XXXX, Fax # XXXX. 

XXXX XXXX, XXXX, the vehicle was taken back to Nissan for an inspection ordered by XXXX. However, XXXX failed to follow up on the next steps regarding this case. I called XXXX and left voice messages numerous of times and emails. There were several emails sent internally by Nissan Consumer Affairs asking her to contact me. On XX/XX/XXXX, I received an email from XXXX stating " I will call you tomorrow ''. I did not receive a call from her at all. On XX/XX/XXXX, I called and email XXXX regarding the status of this claim and she hasn't returned the call. 
XXXX stated due to inconvenience of the vehicle was being serviced by Nissan Dealership for more than one week and two other previous time that the vehicle was being serviced that I would be compensated. I am still waiting on the compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting at the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 Section 602 A. States i have the to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reportin agencia may make any consumer report containing any of the following items of information 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 ) ( a ) 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. 


Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-29
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 

15 US.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 man 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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