BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
Disputed information thats reported against me with the XXXX. I specifically explained in detail what incorrect and incomplete information is being reported against me. They claim that they did an investigation, but the information is still being reported incorrect and incomplete. 

In attached document will show the account with missing information from sept. XXXX to XX/XX/XXXX. This is also showing inaccurate late payments for feb. XXXX, XXXX XXXX also innacurate late payments for XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ATTN : EXPERIAN/XXXX XXXX XXXX XXXX XXXX & XXXX / XXXX XXXX XXXX Hello I am XXXX XXXX. A week ago I received a notice alert on my consumer reporting file. I mailed over certified documents on XX/XX/2021 to be exact I sent it with the USPS and it was signed and received by XXXX. The green certified number is XXXX. I've called in to get an update on the status of my disputes only to be told that there were no documents received. Here we are a month later with no response. I was lied to and was told that no documents have been received, in which I knew I clearly sent the documents and received receipt returns and a green card back. This is my proof to show that the consumer agencies are actually lying and ignoring me. I am distress and I have reach the capacity where I no longer have the patience to accept this as a consumer. There are inaccurate accounts that are reporting on my credit report that were removed an inserted back on my consumer report this was the first cause of action that I gave notice to the consumer reporting agency that they are refusing to correct information on my consumer report after providing proof that the inaccuracies are over to be removed. My reputation and character is being ruined due to inaccuracies of XXXX XXXX, XXXX XXXX, XXXX XXXX listed and re inserted on my consumer report in which I've given evidence to back my claim. I am sure you are aware that in fact I can sue you for defamation and willful injury Pursuant to FCRA section 623 Recovery extent of damages incurred by the wronged party, as deemed by the courts in federal court. Second cause of action, The consumer reporting agency in fact re inserted a removed item from my consumer report without notifying me in writing within 5 business days, in fact I will sue them for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$100000.00}. Third cause of action is where the consumer reporting agency fail to respond to my written disputes, and try to respond online which I asked for them not to do. Also they didn't respond within 30 days, I will be suing for violating FCRA section 611 part ( A ) ( 1 ) which carries a fine of {$1000.00} per violation. Must remove from reporting within 4 business days of receipt I am not allowing E OSCAR disputes only manual human being.

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 2023-10-09
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 status incorrect

Complaint:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: OneMain Finance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
7 minutes agoNEW I had went and took a loan out with this branch for how ever much they were able to give me they did good of giving me the amount I needed without a doubt but subsequently they charged me a interest rate of like 13 or 14 which a honorable percentage rate is like 8. Do after that fact of going though this process I had put my car up for collateral, they took it upon themselves to take half of the loan an pay the car off when they could have just given me the money to pay the car off myself cause I was trying to get something else financed at the time. After the fact they kept claiming to send my bank a payoff check for the car I was already financing an kept claiming they sent it which they never did. I kept persisting and kept in contact with my bank personally to see when an if they'd received it and they never did. I waited for at least a few weeks thinking and giving ONE MAIN a chance Issue another check they claimed maybe had gotten lost in the mail or to do the right thing and they just keep telling me XXXX over the phone. I literally had to process a XXXX  charge on my checking account to finalize the whole loan payment before they even sent a actual check out which was like a Couple of days later or I was gon na be two months behind on my car payment which in turn would get my car taken away from me so that ONE MAIN could turn around and have the car for themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXXXXXX

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 2023-07-12
Company: EQUIFAX, 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 have disputed credit accounts that I never opened but dispute results stated that the accounts are verifiable and therefore can not be deleted. I had no income at the time that these accounts were opened, in fact I was basically homeless at the time so it would not have even been possible for me to have even gotten approved to open any credit card accounts. The last ten years I spent homeless  I had my socal security card has stolen 10 times along with two birth certificates and multiple driver 's license. Now that I'm not longer homeless and somewhat working using XXXX I was applying for a business loan or a credit card to start a business and was denied because of poor credit when I checked my credit report almost all information on it was inaccurate there were accounts that I never opened that have now ended up in collections. I don't understand why these creditors didn't check a little better and found that I had no income but instead they approved credit accounts to be oped in my name and they allowed my credit score to become damaged. It's their responsibility to check for income and verify identity before approving a credit card. I was unemployed I had no income at all so why did they allow credit cards to be approved, and when I dispute them the results come back as being accurate. They need to fix this as soon as possible because now I can't buy a car, rent an apartment, get any credit cards, start a business get a phone auto insurance because of them not verifying my identity and income. Even after I disputed inaccurate information and accounts not being mine explained that I had had social security cards, driver 's license and birth certificates stolen they still wouldn't fix my credit and send accounts to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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:
Ive reached out to the credit report comapany about the bankruptcy oone my report and the accounts that are showing negitive on my report and they refuse to show ownership or proof that they belong to me

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 2023-05-16
Company: EQUIFAX, INC.
State: IL
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 8th 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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 belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit bureau report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2023-11-29
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive noticed accounts on my consumer report as I was looking to purchase a home, Ive noticed so many fraudulent accounts that arent mine. 

Please if you can assist me on removing this inaccurate information 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 2022-11-07
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$6400.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.

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 2023-03-10
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: AR
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts must be corrected as soon as possible : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: CA
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/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and Equifax concerning the derogatory rating I received from XXXX XXXX XXXX  ( XXXX  ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of XXXX XXXX XXXX XXXX XXXX. DBA XXXX XXXX XXXX , case number XXXX, because The XXXX XXXX failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through XXXX. In XX/XX/XXXX, I notified XXXX that I would no longer make payments on the loan until the work was completed as agreed and provided them with a XXXX XXXX Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to XXXX. While in dispute, XXXX charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to XXXX, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX  and Equifax. XXXX has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from XXXX XXXX   XXXX Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
I sent the letters off on XX/XX/2023, from the postal office here is my receipt number # XXXX The purpose of the letter was to request the removal of personal information that I neither possess nor desire to have on my credit report due to suspected identity theft and misuse. Initially, I had some hope when a few items were removed, but unfortunately, they reappeared, this time accompanied by a new address where I have never resided. Attached you will find the receipts along with letter and more proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ).

Please can you assist me and have them removed. please

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