BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in ; they've also never provided written proof of my signature authorizing these inquriries! On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2019-02-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX of XXXX, I, XXXX XXXX XXXX, filed a complaint against Santander Bank with the CFPB. Santander Bank allowed a former junior business partner, XXXX XXXX XXXX, to open an account without my presence in XXXX, XXXX. He opened this account as an LLC, though he never formed an LLC, did not provide the necessary paperwork, and the business was never registered in his name anywhere. The business was always only registered as a DBA in my name only. Further, he used his home address in XXXX, MA, and his PO Box in XXXX, MA, as the business address, and the business mailing address, respectively. My business was only ever located in XXXX, MA, and registered in my name only. In XXXX, XXXX directed me to use the LLC on invoices and checks, as Santander would only recognize checks in the LLC for which the bank accounts had been opened in, and would not accept checks in my DBA ( see attached emails ). When Santander responded to my initial complaint, they stated the accounts were open as a DBA. In our later, correspondence, they admitted the accounts were open as an LLC, and claimed they could not establish whether or not they had performed their due diligence in opening the accounts. Over the years, XXXX XXXX XXXX, was able to control and exploit his position as account holder, accounts that should never have been opened by Santander bank. On XX/XX/XXXX, I finally forced myself on the accounts. I told the banker, XXXX XXXX, I was very nervous XXXX would steal the funds. I tried to open a new account, but Santander said I could not, as we were an LLC. I froze the accounts, in every attempt to  protect the company funds. On XX/XX/XXXX, Santander Bank allowed XXXX to unfreeze the accounts, and deplete the funds, buying a bank check in the amount of {$15000.00}, and withdrawing {$9500.00}. In the end, I researched the LLC, found we were not an LLC, and only then, was I able to open the accounts with Santander as a DBA, which was all the business was ever registered as. The bank failure allowed XXXX to manipulate me and take funds he wasn't entitled to for years, culminating in those final transactions, and eventually causing the failure of the business and my many years hard work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CCS Financial Services, Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I canceled my XXXX auto insurance policy in XX/XX/XXXX through an agent called XXXX XXXX XXXX XXXX. XXXX XXXX as my XXXX Insurance Agent intentionally decides to renew my policy with XXXX XXXX after my cancelation without my permission even though I called to inform XXXX XXXX about my cancelation. XXXX  XXXX Insurance billed me an unauthorized charge which has Negatively Impacted my credit scores. When I called XXXX to resolve the issue, XXXX asked me to submit an insurance declaration page that clearly state the policy period for both XXXX XXXX Insurance and XXXX XXXXl insurance. I have submitted all three declaration pages to XXXX, and I have not heard from them since. 
Insurance Information and Policy Periods. 

XXXX XXXX Insurance : Policy Period XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  Insurance : Policy Period XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Insurance : Policy Period XX/XX/XXXX - Present

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello, Hope all is well. I am emailing you regarding missed payments published on my credit report. Upon final payment to payoff and close the account, we agreed that you would remove the late payments off my credit report. You were aware of my military status and reasons behind the late payments. I am in the process of purchasing a new home for my family and these alerts popped up from my lender. I've reached out with multiple letters disputing what we agreed upon. Yes, you mailed me a final report of each transaction since ownership, but we agreed to remove the late payments if/when I sell the home. Please take my plea into consideration and help a veteran out by allowing him to provide a home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with chime bank and I received direct deposits on the third of every month, which sometimes comes two days earlier. This month on XX/XX/XXXX I did not receive my payment of XXXX chime is insisting that they did not receive the payment. I spoke with Social Security. They verified and gave me a trace number saying that they actually sent the payment to XXXX XXXX, I also spoke with the bureau of fiscal services and they verified that XXXX processed. The payment chime has not posted the payment to my account and my account is still showing negative they keep telling me they did not receive the payment when they did it was processed on XXXX XXXX, 2023 and I have spoken to 20 different individuals at chime and no one can tell me what happened to my money. They say they have no way to trace where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I am so upside down in a car loan through Santander consumer and my car note is extremely high as well. Im not able to refinance nor trade the car in due to owing so much. They also report incorrect information on my credit report. I have never received any paperwork pertaining to my information I have requested. I had the car going on 4 years and still have 3 or 4 more. Im not sure how this could be possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
Hello I would like legal representation help with my lawsuit case that i have filed with the XXXX district court .On XX/XX/XXXXXXXX  I hired a court sheriff to serve Complaint to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sold a XXXX XXXX XXXX Lemon vehicle no engine no brakes no air no transmission working from first date of sale. i would like to be awarded damages of XXXX, for lost of Chef my work Im a disabled business owner of XXXX XXXX XXXX XXXX XXXX. My children missing school on days. having to experience riding in XXXX  rides for the first time in there lives, there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX trying hard to XXXX despite all odds. and there has never been a day i could not drop off and pick up my children on a daily basis from school and all ride situation there entire lives. this has caused my children severe XXXX XXXX after being doctors appt.an not being able to continue the care for my XXXX XXXX XXXXXXXX XXXX my trade in XXXX XXXX XXXX mental anguish for me and my children for countless near fatal accidents on street roads and freeways with my children, also for false advertisement bait and switch me with a lemon vehicle upon my dealership arrival, stealing my trade in that i paid XXXX cash with all bells a whistles working at time of trade in. I had to voluntarily surrender the vehicle to credit acceptance on XX/XX/XXXX and not being without a working vehicle to drive since date of car purchase i want to be fully compensated for as well. the vehicle failed all diagnostic testing. No service centers wanted to even work on the vehicle saying its bond repair. and no one would take the warranty insurance leaving me without a working vehicle for months. this has been very disheartening to have to experience a serious matter like this. the mental anguish has been real for me and my children. I would like credit acceptance immediately removed off of my credit report. i would like the Michigan LEMON law to enforce this company out of business.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Dave Operating, LLC
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to repay loan and it would not allow me to do so and I reached out several times with no response to get the situation rectified and never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. WELLS FARGO BANK XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the WELLS FARGO BANK customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
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: Account information incorrect

Complaint:
This is regards to XXXX XXXX account # XXXX on my credit file on Experian and XXXX reports. XXXX XXXX was charged off back on XX/XX/2016 and according to the statute of limitations in the State of Florida, which is only 5 years this account has expired and must be deleted immediately from my credit reports

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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Returning from military duty XX/XX/XXXX. Did not authorize or open this account. Have previously opened an identity theft claim on identity theft.gov

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 2021-09-09
Company: I.C. System, Inc.
State: NC
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:
After receiving a credit alert I noticed that IC Systems Inc reported a fraudulent account on my credit report, I have had this account verified numerous of times of being fraudulent and it still gets reported to my credit from new collection agencies. I have never received any communication about this debt only IC Systems Inc sent this fraudulent debt that doesnt belong to me directly to credit bureau .

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 2023-11-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company really is predatory and abusive, I can hardly believe that they are still up and running. I had submitted a complaint on midland credit on XX/XX/XXXX  in which it mentioned that I wanted them to cease all communication as described in the FDCPA and how I am well informed with my rights as a consumer. Midland Credit Management really believes that consumers are stupid as they responded to my complaint stating that they are able to sue me which is a clear threat of something they can not do which violates the FDCPA, more specifically 15 USC 1692e ( 5 ) as they can not threaten to take legal action. Furthermore, if they were to proceed with litigation they would be in violation of a very clear law under this act, 15 USC 1692i ( b ) which specifically states that a debt collector CAN NOT take legal action against a consumer. Additionally they have stated that they will only cease communicating with me directly which completely undermined my notice and 15 USC 1692a ( 2 ) /15 USC 1692c ( c ). They continued to harass me indirectly by continuing to report this information to consumer reporting agencies which is a violation of 15 USC 1692c because the fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Clearly an indirect medium is credit reporting. Of course I screen shot the law that was on the FTC.GOV website and attached it to this complaint. This company also stated that they have the right to collect on this transferred instrument which is completely false as I did NOT endorse the transferred contract. I am prepared to make Midland credit face the fullest extent of the law as they clearly DO NOT CARE ABOUT THEIR ABUSIVE AND OPPRESSIVE PRACTICES. They have yet to provide me with the entire purchase agreement, not just the bill of sale and my wet ink signature to prove that I endorsed the transferred instrument with midland credit to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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