BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 at XXXX Saturday, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened an saving account with them. The teller ran a credit report on me which was improperly implies that it was a INSTALLMENT LOAN INQUIRY. This reduced my Experian credit alert reports by 19 percent. When I was alerted to this a week later I contacted XXXX main office manager and she reviewed by account. She said that she didn't see a request for a loan. I contacted the credit unit branch on XXXX XXXX where I opened the account and they told me it was standard procedure. This action is not noted in the forms that was provided to open up a basic savings account. Please help me clarify this matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your assistance would greatly appreciated be greatly appreciated.

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 2022-10-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Experian to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXXXXXX 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 15U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # 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 XXXXXXXX Has violated my rights 15 U.SC 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A 2. it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681 ( a ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than record conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know 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 2022-12-19
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2022-12-19
Company: EQUIFAX, 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:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 tried to submit a dispute online so that I could attach the military orders. The agency 's system would not allow me to submit the information online so I did it by phone. Without the documentation, the collection agency is refusing to act so the agency validated the collection. This is ridiculous and I do not owe this debt to XXXX XXXX XX/XX/XXXX due to XXXX and lease cancellation.

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 2022-10-11
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
My mortgage loan ( with XXXX XXXX ) disappeared from my credit report- it was being reported previously for the 12 years I've had it. All of a sudden it dropped off my credit report. I contacted my mortgage company and they show my loan and have contacted credit agencies but the loan is still missing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 of the person knows or has reasonable cause to believe that the information is inaccurate. 
" Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.

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 2022-12-19
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:
I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
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 2022-10-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022 on this date company opened a collection Account number XXXX {$100.00} that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have contacted Nelnet by email twice regarding the issue of allocating payments to the interest portion of the loan, which was easily done with the previous servicing company XXXX XXXX. It has been months and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: MA
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'm upset with Experian! There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2022-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : WELLS FARGO XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : The creditor agreed to delete this account, please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/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 2023-12-12
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX around XXXX XXXX  PST i receive a call from a representative of lien enforcement inc advising me about a debt owed to them I advised them that he debt was wrong as the car that was towed never belonged to me due to the previous owner title jumping and the vehicle was never officially registered under my name Representative cut me off advised me if I was going to deal with it told him no since this wasnt my dent and wasnt my vehicle Customer rep than with an attitude then threatened to the company will sue me verbatim and then after exchanging words due to his rude attitude and condescending tone he hung up Attempted to call back and be forwarded to a manager but someone picked up and then hung up I sent an email with my complaint and pursuing damages against the company and the rep

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo is reporting an erroneous late 's on my credit file. They are reporting a few 30 day late 's. They are reporting late 's from XX/XX/2020 to XX/XX/2020. I don't see how this is even possible. I refinanced my loan in XX/XX/2020. The refinance took place in the months of XXXX and XXXX and I was told no payments were required on the new mortgage. I made my last payment to XXXX XXXX  in XXXX. In XXXX the loan was sold to Wells Fargo and I made my first payment to them then. When I call to ask about the late 's it seems like no one knows the answer to my question. I need these late 's removed immediately. 
There is also a late being reported for the month of XX/XX/2020. My payments have been set up on auto draft, ever since i started getting mortgage loans through Wells Fargo. I went in to delete the information on the old mortgage account and I guess the system deleted the payment information for the new mortgage causing me to default. I did not receive any calls, letters, or notices about this late payment which really baffles me as I've been with Wells Fargo for a long time and never had any communication issues. I have had an account with you for a very long time and plea that you remove the late 's from my credit as a one time courtesy. Also under the federal mandate, CARES ACT, you can not report year 2020 late 's.

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 2022-03-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I sold an item and was scammed by the buyer. The buyer filed a complaint thru paypal that the package was destroyed and the item was missing. I called USPS and they said the package was delivered in good condition. I provided paypal with the USPS case number but they still ruled in favor of buyer. Paypal charged me {$90.00} refund fee and a {$15.00} dispute fee. Now I have a negative paypal balance of {$100.00} in my account. I called them again that decision is wrong but still say buyer provided proof. I think my proof is more believable because USPS said that the package was in good condition therefore the buyer destroyed it and took the item bit made false claims that package was recieved destroyed and item missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are a lot of late payments and collections on my credit report that shouldn't be there. Please see attached dispute letter. Remove all previous names. My only name is XXXX XXXX XXXX. I have no idea what those others names are.

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 2022-12-19
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021 I was pressured by dealership to buy more cars due to the fact they ran my credit without my authorization XXXX times and I had approval from XXXX bank they insisted I dont let the approval go to waste and use them all. I said it didnt make sense financially but they used high pressure sales tactics and mislead me to believe that i was essentially required to do so. I sent out a letter of rescission, a list of my right that was violated, and asked for debt validation. certified mail said the letters was delivered but still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Account information incorrect

Complaint:
Majority of the information on my report is incorrect. There are collection accounts I dont know about, wrong address information, and also my score is incorrect.

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 2021-01-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I had a credit card account with XXXX until XX/XX/2020. I called the credit card company " XXXX  '' to cancel my account because they charge me annual fees which I paid up till that point XXXX. they sent me a letter acknowledging the cancellation request. 
I cut the card up as directed I never used the card again, Then in XXXX, they charged me the annual fees again even though the account was canceled already. I called their attention to it and I was then assured that all will be taken care of. Then in XXXX, they charged me another annual fee installment with a late fee. 
Then they went ahead and put all these late fees and 30 days late on my account with the credit bureaus I called their attention to it they corrected the account on their own and I have been calling them to correct the credit reporting since it was their error. 
This reporting has had a negative impact on my credit and records Will like XXXX  to correct my records without delay with the three credit reporting agencies. 
.

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