BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I applied for a payday loan through XXXX. I received an approval from XXXX XXXX XXXX. I answered questions and then received the contract. I signed everything, but then I was asked for my bank statement and pays stub. Reluctantly, I supplied. I questioned it because I was already approved. I simply requested {$500.00} for one week. I was told all the details before submitted the requested documents. After submitting, I was unable to contact them after several attempts. Then I received an email that I was denied. I would not have followed through with any documentation had I know I would be denied. This all seems super, very suspicious to me. They now have my banking information and a signed contract permitting deduction of the loan from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
This is my XXXX  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

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 2023-05-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated 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 explanation
Consumer complaint received 2023-10-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
in XXXX of XXXX  i made a lease payment to infiniti financial services which was returned unpaid as i used the wrong stored account. infiniti decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after calling infiniti i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i call infiniti on XXXX XXXX XXXX   as i get a notice of a 30 day past due from XXXX XXXX from infiniti financial services i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls from infiniti in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as infiniti financial services not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed. see attachment for vehicle vin #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I talked to National Recovery Agency, and they say I owe them money. I don't know how. Maybe someone with a name like mine got mixed up. But I know my identity was stolen. Someone used my info to make new accounts with banks I never used. I'm working with banks and the three credit places to fix stuff because they got things wrong about me on my files. It's a different issue, but related. 

I want to say, the address they think is mine is wrong. I live in the same city, but not there. This is a big problem because it shows the debt isn't mine. Why is this on my file, and how did they get my info? And why didn't XXXX XXXX send me a real bill before giving my info to this company I don't know? 

This looks like someone stole my identity. They say they got my info from XXXX XXXX, but I want them to show a detailed bill, not just an email with a number saying someone owes money. 

If they can't show the bill, I want them to take this off my credit papers. It's not fair because of wrong stuff and identity theft. This is just more trouble that shouldn't be my problem.

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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Chase Bank notified me by email telling me my personal info was used to submit an application for a credit card. XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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:
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/XXXX because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, I have been sending letters to all 3 credit bureaus since XX/XX/XXXX regarding an inaccurate account that they are reporting, but they have failed to send anything validating this account. XXXX, Equifax, and XXXX are reporting late payments for account OFFICE OF THE ATTY GEN XXXX when I was never late. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 5 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. I will attach the dispute letter that was sent in XXXX. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: ENOVA INTERNATIONAL, INC.
State: FL
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:
I have no knowledge of these accounts these hard inquiries are a result of identity theft.

15 U.S. Code 1681c2 - Block of information resulting from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After contacting the bank and letting them know about the problem, the account has continued to remain open and there are additional charges being assessed regardless that they have been asked to close the account and stop any further transactions from posting. The account was charged for items that were not delivered, items not ordered through a closed email account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I wrote a check for the amount of {$4000.00} to an individual that banks with Wells Fargo at XXXX XXXX XXXX XXXX in XXXX XXXX, TX. For whatever reason, that individual wanted a different amount than what I wrote him, after he had visited the Wells Fargo branch. So he gave me the check back and I destroyed it. I wrote that individual a check for a different amount. Wells Fargo decided to cash the {$4000.00} check and reverse the transaction from that individual 's account. Upon confirmation by XXXX XXXX that the transaction has been reversed and will be transferred to the issuers ' account on XX/XX/XXXX, I felt assured that the erroneous transaction on behalf of Wells Fargo had been rectified. Today, XX/XX/2019, I still have not seen the funds from Wells Fargo although XXXX XXXX has assured myself and the account holder that the transaction will be reversed. This has nothing to do with the account holder, I have verified in person at the bank that the account holder 's account does not have the funds in their account. Wells Fargo has taken the funds from both myself and the Wells Fargo account holder and is refusing to give them to either one of this. This is theft and must be rectified immediately.

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 2023-01-26
Company: Experian Information Solutions 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 accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # 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 a account without my written instruction 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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently sent TransUnion and XXXX several attempts on my behalf to erase inquiries and and accounts such as XXXXXXXX XXXX  and they continue to ignore the fraudulent reporting that I have made. I sent a list of inquiries that I did not recognize or make and I sent them information about my concerns of the wrong doing of XXXXXXXX XXXX to XXXX  and XXXX asking them to take it off my credit report. TransUnion took XXXX off with no problem but XXXX and XXXX will not take that corrupt overcharging company off my 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to request the immediate correction of inaccurate information on my credit report. Specifically, I am referring to the payment history for my XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - account number XXXX, which inaccurately reflects a late payment for XX/XX/2021. 

As per the provisions of 15 USC 1681s-2 ( a ) ( 2 ) within the Fair Credit Reporting Act ( FCRA ), creditors are mandated to report accurate and complete information to credit reporting agencies. Additionally, in accordance with 15 USC 1666b, I am requesting that the payment history for XX/XX/2021 be updated to accurately reflect a positive and current payment status. 

To address this matter, I kindly request that you provide me with documented proof of the alleged late payment in XX/XX/2021. It is imperative that I have a clear understanding of the basis for this reporting discrepancy. 

I urge you to investigate this matter promptly and make the necessary updates to my credit report. Your assistance in ensuring the accuracy of my credit information is greatly appreciated. 

Please provide written confirmation once the correction has been made and the documentation of the late payment has been furnished. 

Thank you for your attention to this matter and your prompt resolution of the issue.

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 2023-02-07
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Citibank on XX/XX/XXXX saying they are sending me a new debit card. The following day I received another email from Citibank saying I signed up for online services. I googled the number in the email to verify that it was in fact Citibank and the number seem to match XXXX on file for Citibank. I called on XX/XX/XXXX to notify Citibank that I had not open an account with them. They transferred me to their fraud department. I spoke to a woman who refused to give me her name or location. After I threatened to go to the police, she gave me her location, XXXX, but not her name. She then told me that she had successfully blocked the account and forwarded the information to their investigation department. I asked for an email confirmation to prove that the account was in the closed. She told me I would have to wait 30 days. I find it incredibly strange that they would send out an automated email immediately after an account is opened but a person closing an account would have to wait 30 days. I question whether the individual I spoke to actually works for Citibank. I believe they might actually be part of the fraud and would like this issue investigated.

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 2023-08-30
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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:
I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. 

The 3 most recent occurred on XX/XX/23 from Santander Consumer, XXXX XXXX, and XXXX XXXX on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them.

I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MN
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit my check on XX/XX/2023 and dome of the money supposed to be available on the XXXX and the rest the XXXX, and it wasn't, after they told me on the XXXX, and it haven't happened, it has been 7 business days, and nothing, I haven't be able to paid in full my credit cards, and they have create it interest, they been having my money, my bank is bank of america, and they been holding my {$42000.00}, please help, thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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, XXXX Acct # : XXXX has violated my rights. 

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

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