BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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:
Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
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 explanation
Consumer complaint received 2021-01-04
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-03-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS
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:
Someone stole my identity and opened an auto loan in my name with Nissan Motor Acceptance on XX/XX/XXXX, Which I am in the military, United States XXXX and I was on XXXX at that time in XXXX. I pulled my XXXX  credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. Account number XXXX Nissan Motor Acceptance.THIS IS NOT MY ACCOUNT. I contacted Nissan and XXXX about the matter. Nissan and XXXX  are still reporting this fraudulent account to third parties which is hurting my reputation to attain credit. After researching, Ive founded that FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : which XXXX has failed to do so. I have provided all information needed to block the fraudulent account but XXXX has not blocked it from my report which is a violation of the FCRA and Im also filing a complaint with the XXXX XXXX XXXX  and seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2018 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 2022-04-06
Company: EQUIFAX, INC.
State: PA
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 Account : XXXX XXXX XXXXXXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was told my account would be closed in XXXX never got closed. Was told something different never could get my funds out. Had to go with out many times and can not get my funds out. Had to pay my worker and couldnt do that.

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 2022-07-13
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 explanation
Consumer complaint received 2023-06-13
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:
XXXX customer service doesn't have access to my account nor does anyone on the backend. The account closed in XXXX and I paid off the balance XX/XX/XXXX in a one time payment for the account to be removed from my credit reports. XXXX has been reporting my account 8 late payments 120days and everything else up to XXXX as a charge off. 
I have also requested my data multiple times over there years and no answer. just today I've spoke with over 35 reps from all departments and no on has access to it. This account should reflect its removal from all my reports. I have disputed every month with the bureaus, XXXX XXXX  and XXXX and still it has not been updated. Now when I am in between homes and explained the emergency I was in.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$5100.00}

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 2023-06-13
Company: Experian Information Solutions Inc.
State: MO
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:
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. 

Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 2022-07-13
Company: EQUIFAX, INC.
State: OH
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 fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document discovered because of some inattention. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX  Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of Inquiry : XX/XX/202XXXX XXXX XXXX Date of Inquiry : XX/XX/202XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of Inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document discovered because of some inattention. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/2021

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 2019-02-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was traveling in XXXX during the month of XX/XX/2018. While I was traveling, my Chase XXXX XXXX  Visa was charged a fraudulent amount of {$350.00} at XXXX XXXX XXXX XXXX. On the night of XX/XX/XXXX, I used my card at the restaurant of XXXX XXXX XXXX XXXX for an amount of {$52.00}. ( The Chase representative  said that these restaurant charges were under a real estate transaction, not for food and beverages like they actually were, which was very strange ). On XX/XX/XXXX, the very next day, my card was charged {$350.00}. This charge, I did not authorize. Chase is saying that I am liable because I was staying in the area. The hotel used my card on a chip reader and that is their reasoning for as to why I am responsible for the transaction. The fact of the matter is, I was not present during this transaction nor did I give anyone access to my credit card. I even requested camera footage which was not an option. I asked Chase why my signature and ID ( my card says see ID ) was not requested for this transaction. They replied that they do not require these items for a valid transaction. I asked them why am I not protected by my own credit card company when it comes to fraudulent charges? They did not have a valid response. Needless to say, I cancelled my account as they refused to help me with this process. I've never had a problem with my credit card being used without my consent before this and I would not wish it upon anyone. It's quite unfair that I should be held responsible for this payment when I was not the one responsible for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
No reply from credit bureaus they sent me a generic reply. Nothing with my signature nothing showing I legally owe this debt. Theres 15 accounts that are showing closed thats over 10 years and still showing on my reports. See attached of student loans still showing on my report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased my car from XXXX XX/XX/XXXX. SantanderUSA purchased the loan and my payments are {$290.00}. In XXXX our home was sold in a foreclosure scam, after I attempted a loan modification due to my husband suffering a XXXX 2 weeks into his recovery from XXXXXXXX XXXX XXXXXXXX. My husband became XXXX  XXXX and XXXX XXXX. When we became XXXX I spoke to a representative in XX/XX/XXXX, and she assured me, even though we are a month behind, they would not repossess the car. I have been calling and messaging them about changing my payment date from the XXXX, since I am a XXXX on Social Security and get paid on the XXXX. They said I already requested a change of my payment date on XX/XX/XXXX, which is the date I called the representative to inform her we were XXXX, so they said you can only change the payment date once during the loan. Today, I called again ( XX/XX/XXXX ) after I got a letter from SantanderUSA stating Notice of right to cure default and requirement of strict compliance. This is the only letter I have ever received from SantanderUSA, since I purchased the car. They demanded {$420.00} by XX/XX/XXXX and I tried to explain, that I do not get paid till the XXXX, plus I can barely scrape up the {$290.00}. She told me I needed to come up with {$74.00} today, but I tried to explain, that I only have {$20.00} in my account till the XXXX. She then told me they would repossess the car if they were not paid by the XXXX of XXXX. I called another number today, that I got off a Consumer Website, but after I explained my situation, he hung up on me. I have never had any issues with Santander USA until the XXXX XXXX bought them out, in fact they have always been kind and helpful. We do not even have Medical Insurance, because we can not afford the Medicare premiums. We are at poverty level, but do not qualify for extra help. I have even filled out a loan deferment with the company today. They sent me a document to fill out, but they will only defer the payment till XX/XX/XXXX. I have also, tried to refinance the car, but they say they no longer are doing refinancing. The representative, XXXX asked if I could borrow money from anyone to pay the amount. I replied, I have no one to borrow money from at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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 contracted XXXX on XX/XX/XXXX. By XX/XX/XXXX I was admitted into the hospital. I am very lucky to be alive as I suffered from XXXX for my whole life. I was eventually released from the hospital and sent home for XXXX  I was out for 60 days and lost my job. I had a reoccurring payment returned for insufficient funds on XX/XX/2020. I wasn't made aware of the insufficient funds payment when it happened otherwise I would have had someone deposit for me. Having said this I contacted BMO and explained to them the situation on XX/XX/2020, caught the payment current and requested a Goodwill Adjustment due to extenuating circumstances caused by Covid 19, the pandemic. They told me over the phone it would be no problem. I recieved a response back from BMO on XX/XX/2020 denying my request. I then disputed it with XXXX XXXX, and XXXX and was also denied because they said BMO verified the account. Having said this, I am requesting that the account 's late payment be updated to current under The Hereos Act Section 110401.

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 2021-01-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-08-18
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  XXXX  convergent outsourcing XXXX opened XX/XX/XXXX reported XX/XX/XXXX amount {$1100.00}. I had emergency to come up where I had to move immediately. I packed of XXXX XXXX  equipment and contacted them and told them to come pick up the equipment at the location in which it was installed. They said they would come pick it up but never showed up. I contacted XXXX XXXX again and told them i have the equipment packed for someone to please come out and pick it up off the porch because I have to leave the location due to an extreme emergency they agreed. From my understanding they were suppose to come and pick it up and if they didnt it is on them for agreeing to pick up their property on time.

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