BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$23000.00}

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 2023-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
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 non-monetary relief
Consumer complaint received 2021-05-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, 2021 I received a form letter from Nordstrom stating that it had " blocked '' an account for " security. '' The day it issued the card, it says, {$800.00} was charged to the card, so it blocked it. The charges occurred at two stores fifty miles from my home. There is a Nordstrom store three miles from my home. I wrote a letter to Nordstrom, on XX/XX/XXXX, stating I have no credit card relationship with Nordstrom, never had. I received phone calls from Nordstrom, restated the fact that Nordstrom and I have no legal relationship whatever. I confirmed the statement a second time by letter dated XX/XX/2021. " Nordstrom '' refuses to go away, it keeps sending monthly statements, robo calls, and now states it has reported its claim to a credit agency. I wrote a third letter, dated XX/XX/XXXX, enclosing a copy of my driver license and a copy of the State Bar of California page showing I am licensed to practice law. I repeated that whoever and however Nordstrom issued a card, it did not issue it to me. I demanded all documents which show how it issued the card and what facts it possesses that supports its claim it issued the card to me. " Nordstrom '' has not responded in writing to the letters. I am XXXX, a male, and have never purchased anything in a Nordstrom store. How to make this block of stone stop harassing me? Suing it is not a solution for a XXXX year old man with severe congestive XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with ( Original Creditor : CHECKSMART ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ( Original Creditor : CHECKSMART ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. 

I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. 

The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. 

I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. 

Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. 

I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX**** Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian has repeatedly failed to investigate the accuracy of multiple accounts reporting on my consumer file after repeated attempts were made by myself to have the inaccurate accounts verified via a full investigation. Experian keeps claiming that these alleged accounts belong to me and are reporting accurately without providing any proof supporting these claims. Experian repeatedly fails to provide me with complete documentation that would support their claims as is required under the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ]. I intend to litigate if this information is not DELETED from my report immediately. I will be filing a complaint with the Secretary of State and the media regarding Experian 's multiple FCRA violations in addition to the above stated violations. Experian has caused damage to my reputation and livelihood.

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 2023-09-28
Company: EQUIFAX, INC.
State: TX
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: CL Holdings LLC
State: LA
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 consumer 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 1681 improper use of my credit report I have never signed a contract with Jefferson capital I have asked for validation of the debt with the ORIGINAL SIGNED CONTRACT WITH THIS COMPANY NAME THEY ARE ALSO REPORTING A CHARGED OFF ACCOUNT WITH A XXXX BALANCE AT 100 % paid which is incomplete and violates 15usc1681

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Recently, I, XXXX XXXX XXXX was contacted by XXXX  and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by XXXX. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different Capital One Bank Credit Card accounts. One Capital One Bank Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent Capital One Bank Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of Capital. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 explanation
Consumer complaint received 2023-05-02
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I placed a XXXX order in the amount of {$75.00} through cash app. That money came out on that day on XX/XX/XXXX. I got a notification that XXXX took another {$75.00}. Cash app says XXXX charged {$150.00}. XXXX says this transaction does not exist. Cash app sent statements that show charges from XXXX that dont exist and were never made. I got my complete transaction history from the cash app website and it does not show where I put money in my cash app on XX/XX/XXXX and where it was taken on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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/XXXX my attorney reached out to XXXX XXXX requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both XXXX and their Attorney. 

XXXX was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.

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 2023-02-02
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XXXX XXXX XXXX  Balance : {$320.00}, XXXX XXXXXXXX Date Opened : XXXX XXXX XXXX  Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX Open Date : XXXX XXXX XXXX  Balance : {$12000.00}.

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 2017-05-08
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX   has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.     Experian is the one who put the fraud alert on the report then they notified   XXXX   and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  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 non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$15000.00}.

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 2022-03-24
Company: Westlake Services, LLC
State: NV
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/XXXX my attorney reached out to Westlake Portfolio requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both Westlake and their Attorney.

Westlake was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Theres a XXXX account with numbers XXXX For XXXX that is not mines. Needs to be removed. I only have one XXXX account for the credit limit XXXX that is mines.

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 2017-05-05
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX, I purchased a car with a loan from XXXX for XXXX. I have made consistent payment for last 5 years and my balance is still the same.I will never have this car paid off at the rate. Please investigate this matter

Company response to consumer: Closed with explanation