BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2015-09-11
Company: MEI AUTO FINANCE INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This company does not use proper collecting practices when calling consumers, they never recite the disclosure statement when initial contact is made, the agents use threats of actions they can not legally carry out. Today XXXX/XXXX/XXXX an agent threatened my daughter whom has assumed payments on my common law husband XXXX Cadillac DTS. The agent told her that XXXX my vehicle a XXXX XXXX that was purchased at a later date and different owner account is connected and since she could n't make payment XXXX vehicles will be sent up for repossession. An agent by the name XXXX refused her partial payment stating she has to have the whole payment putting her further behind. These agents have made personal remarks insinuating having a personal relationship with my husband to my daughter. My husband even called today to ask for a 10 day payoff and again the said representative XXXX replied she would call him tomorrow with that information. A 10 day payoff should have been performed while my husband was on the line, there 's no way he should have to wait for that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was informed by a lender that I have unsecured debts of {$5200.00} reported by XXXX XXXX, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.

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 2021-08-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I almost finishing paying my car loan with an interest for 22.95 % and we got charge three different times miscellaneous fee. XX/XX/XXXX {$300.00} -- misc. fee {$25.00}. XX/XX/XXXX {$500.00} -- misc. fee {$160.00} and {$25.00}. When I contacted customer service they toll me is because I paid by phone in XXXX, XXXX and XXXX. I told them that i never pay by phone that I always pay online. The response was that they do not give the customer any fees back. It is very annoying to contact Santander, you never received any good response. They charge excessive interest!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chexsystem failed to investigate a concern for ID theft. They respond to another CFPD complaint and said the information from fifth third bank was accurate however I have attached the letter from them Stating the information was not main and that it has been removed from chexsystem. I am also disputing the inquires made without my knowledge of someone trying to open an account. They is at least 50!

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 2023-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2017-03-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I attended the University XXXX XXXX XXXX, XXXX. I applied for loans from this company for only one year. My requested loan amount from that time has ballooned to over {$60000.00} due to fraudulent applications that were completed in my name and my co-signer 's names. Over the years, I have been harassed, lied to and threatened by this company. I 'm also one of the military veterans who was denied benefits that were supposed to be afforded to me while XXXX. This company has tried to play my co-signer and myself against one another telling him that I committed fraud, which is in direct violation of FDC 807. False or misleading representations clause ( 7 ) " The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ''. They repeatedly told my dad to file fraud charges against me and me against my father. When myself and/or my father requested all of the documentation in my file, they would take 2-3 weeks to get the information to us. They also denied to respond to my father 's lawyer because they did not want to be held responsible for breaking the law again as they would have had to have contact only with the lawyer. When I received the packet with all of the documentation from my file, the total amount verified by letters of disbursement, does not come close to the amount on the account. There was no paperwork for one of the accounts listed on my total account. I requested by letter that the account be removed, however it was not. After trying to work with Navient, I sent them a settlement letter with a check. They cashed the check, and denied the offer. The harassing phone calls have started again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: PA
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:
Experian- I have been a victim of identity theft and should be receiving free credit monitoring which experian has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my XXXX XXXX and experian reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and 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 2021-08-16
Company: LEXISNEXIS
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 a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: MN
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-11-21
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX once again refuses to say how they can demand a signature on an identity theft report that's produced by the federal government and they can break the law section 605B of the FCRA by not blocking the items within 4 business days. There is a fradulent a dress on my XXXX XXXX XXXX report that was attached to a fraudulent account that they already removed, And yet they're claiming that I gave them this a dress on the phone and I'm telling them it was the fraudster probably. They have a police report that signed and good back to XXXX and this fradulent a dresses from XXXX and yet they are not blocking it they're asking me to go get something else notarized and sign which is totally against the law. 

The law is very clear in does not require what XXXX XXXX  is asking for. 
I want them to say how they derive the power to break the law simply because of a request they come up with as opposed to what the law says and requires. 
Because the FTC report says a business may require that a report be filed with the local law enforcement, It's not mean they can break the law and not block within 4 business days because the law allows them to put it back on if they find something amiss. They still have to block within 4 business days they can't add more time to the law is my claim and what they are doing is breaking the law. That's what I want stop because I'm sure they affect more than just me you don't have to act for an individual but act on the company that's breaking the law. 
I made a statement under the penalty of perjury which courts and the law say is sufficient in lieu of a notary. XXXX XXXX is not accepting this and they're demanding more from me which is a 100 % against the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
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:
Doing XXXX data breach, my information was stolen and there still is accounts and inquiers that are not mine. I had called XXXX many time and got no where. 
All so asked them about the date breach lawsuit and the money XXXX owes me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the immediate update or removal of the following items : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX and I am submitting this complaint on my own behalf. On XX/XX/2022 Goldman Sachs received documents that I sent them in an effort to validate alleged debts that they claim I owe them, and receipt of these documents is shown via certified mail receipts in the attachment. The documents included a Debt Validation letter. I requested the validation of these debts by Goldman Sachs in accordance with 15 U.S.C 1692g ( b ) and have not been provided the information and documents requested. I sent Goldman Sachs an Affidavit of Truth which they received via certified mail on XX/XX/2022. Goldman Sachs also did not rebut the affidavit and an unrebutted affidavit stands as truth in law. Goldman Sachs also received a notice of fault on XXXX XXXX via certified mail and responded with statements and a contract. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court Case, a consumer contract and statements are not sufficient evidence of a debt. GOLDMAN SACHS has not complied with the request for valid proof of debt and were unable to provide the documents demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I sent in a letter to update my personal information and i would like to delete all old information like my name and addresses.

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 2023-02-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. I have attached the Bankruptcy Court response below. 

I have also disputed this in the process with all three bureaus Equifax has deleted XXXX and XXXX hasn't removed these items the credit bureaus are noon affiliated with third parties and can not report this information. I have attached the letter from bk court showing they have not to furnished nor do they report to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Ditech Financial LLC
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX Ditech Financial, LLC Attention XXXX XXXX XXXX, AZ XXXX RE : Ditech Account number To Whom It May Concern : Per this letter, I deny, dispute, and challenge Ditech 's claim that I owe the above referenced debt and the amount asserted. This debt was erroneously applied to my name. The attached recorded mortgage release clearly indicates that the account in reference was only in my wife 's name and that it was cancelled on XX/XX/XXXX. We sold the property in a short sale, and the debt was considered paid in full at the end of XX/XX/XXXX. 

It is unclear how your company falsely acquired this debt after the property was sold and the debt was cleared out. Moreover, it 's not clear how or why you put this debt in my name. I want you to document that this debt has been satisfied ( again see attachments ), that it is not my debt, and stop negatively reporting false information about me to the XXXX credit bureaus. 

I want a full investigation of this claim so that this matter can be resolved immediately. For too long, your error has negatively impacted my credit. Please contact me via mail or email ( ) to document that this issue has been resolved asap. I look forward to the timely resolution of this matter. 


Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation