BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: EQUIFAX, 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 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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:
I am Not aware of these accounts my social security card was in my wallet and i check my credit reports and these accounts were open in my name and these accounts do not belong to 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 non-monetary relief
Consumer complaint received 2020-11-10
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pull my credit as XXXX XXXX service women in XXXX XXXX for 1st time in years on XX/XX/XXXX. I found out that my car that was repossessed in XXXX violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. Santander Consumer USA had my account # XXXX that I purchased XX/XX/XXXX until they came in repo it XX/XX/XXXX was saying it place in Collection/charge off. I would like this item to be deleted off my credit report because it is put of the resolution to the settlement Santander Consumer USAs Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 
Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 
Consumers who are eligible for relief under the settlement please contacted by the Attorney Generals Office. 

As a consumer I fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit.

The Attorney General 's Office have told me to send the respond to them if they don't resolved this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am writing to bring to your attention my difficulty in obtaining my TransUnion credit report through XXXX, as mandated by the Fair Credit Reporting Act. Despite my repeated attempts, I have attached a screenshot illustrating the persistent error preventing access. I seek your assistance in swiftly resolving this matter and ensuring my right to a free annual credit report is honored. 

Thank you for your prompt attention to this 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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my XXXX, XXXX and TransUnion consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.

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 2020-07-10
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:
I am upset to know that false accounts are being reported on my credit history and is affecting my score. I do not know anything of these accounts and would like it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX  XXXX Balance : {$210.00} XXXX  XXXX Balance : {$140.00} XXXX 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 explanation
Consumer complaint received 2023-01-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Dear PayPal Customer Support, I am writing this email to bring to your attention an issue I have recently faced with my account. I was shocked to find out that my account has been permanently banned without any prior notice or explanation. This has caused me a great deal of inconvenience as I used this account for all my online transactions. 

Upon further investigation, I realized that there was a wrong disclosure made by someone else who used my account. This was a mistake on their part and I am not responsible for any wrong actions taken. However, I have been banned permanently without the chance to explain the situation and rectify the mistake. 

I have been a loyal customer of PayPal for many years and this sudden ban has caused me immense harm and frustration. I would like to request your help in lifting the permanent ban on my account and restoring my access to my account so that I can continue to use PayPal for my transactions. 

I hope you will consider my request and take necessary actions to resolve this issue. I would appreciate your prompt response. 

Thank you for your time and attention. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter on XXXX XXXX that Wells Fargo had decreased my credit card limit from {$6000.00} to {$1900.00}. The explanation on the letter was vague but said it was based on low usage, high balances, or too many inquiries. When my limit was decreased my credit score was XXXX. Now because of the decrease of my limit my credit score has gone down XXXX points. I am a XXXX XXXX XXXX and a long time customer and not sure what factors they used to decreased the limit so drastically. I am trying to purchase a new home and because of this decrease I am not going to get approved. Wells Fargo is telling me that I need to reapply to do a credit limit increase which is crazy since now my score is very low. This decrease is affecting my ability to move, live and maintain. I have never experienced this. The score they had on the letter they sent me said my score was XXXX in XXXX which is false. My score has never been XXXX. I would like them to reinstate my limit 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 2022-05-30
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS IS NOT ABOUT THE SAME ISSUE THAT I JUST FILED THE LAST COMPLAINT. I DO REALIZE THERE MAY BE A LANGUAGE BARRIER HERE BECAUSE I HAVE BEEN FILING COMPLAINTS WITH NO RESULT FOR SOMETIME NOW. SO TO MAKE THINGS AS EASY AS POSSIBLE I FILE MULTIPLE COMPLAINTS WHEN EVER POSSIBLE. 

XXXX XX/XX/2021 I filed a dispute of charges but they said at first it was not " possible '' to dispute XXXX  charges. Then I filed successfully and they have rejected my dispute with no evidence to prove that I made these charges. I am not sure what court one can go to where a person wins and provides absolutely NO EVIDENCE. 
ALL COMMUNICATIONS MUST BE WRITTEN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from a company called XXXX XXXX XXXX XXXX XXXX saying that I owed for a credit card I never had. In our conversation abusive language was used as well as threats. I couldn't get a word in to explain the situation. 
the amount of this fraud was {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to XXXX, I owe {$8200.00} to the XXXX XXXX  in XXXX. This is unfair since I never lived in XXXX XXXX XXXX. I should not be owing anyone money. Apparently this debt has been going on since XXXX XXXX, 2018. I am unsure if this is a case of identity theft or someone messing with me. 

I've asked around, especially the banks where I have an account for guidance in resolving this matter. My credit score has taken an unnecessary hit and I've been unable to make any purchase that would require good credit history, like a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my XXXX, Equifax and XXXX consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: WI
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:
That was my 11th lease, never dealt with XXXX before, my XXXX-year-old father was a driver of that car, very careful and infrequent driving, we returned car to XXXX dealer, nothing was told about a car condition, inspection and no papers were provided like after other leases, 1 month later I got charges for {$890.00} about multiple damages by XXXX XXXX XXXX ( AKA XXXX XXXX XXXX acount # XXXX ), I tried to call XXXX XXXX XXXX to dispute and requested send me clear pictures of damages, they keep agreeing on phone but never got pictures and just sending letters with charges again and again, I called them many times after, with last call to them in XX/XX/2018, they did not send me requested pictures of damages despite my repeated requests and sent my charges to collecting agency, I never hear anything from them sending my files to collecting agency or a collecting agency contacted me not even tried to collect, I had no idea that XXXX sent directly to Credit Reporting without trying to collect or discuss with me. I bought a boat and found that my score significantly dropped. I immediately paid that charge {$890.00} in XX/XX/2018. However, a Boat Dealer had a hard time to find a bank that would provide me a loan and one that I got charged 8.5 % APR instead of the usual 5 % ( as I was told ). 
In Spring 2018 my score was XXXX now XXXX on Equifax reporting and not getting better. I called Equifax several times, tried to file a dispute online. Whenever I call I get different answers from different people. They gave me different advises like call XXXX, which already got their payment, or close credit cards which we did closed a few, then call other car loan companies to remove inquiries. I did most what they suggested but score still stays low and not changing despite I am doing everything they say. Please help me to fix my credit score as it was not fair reporting from XXXX as we were in middle of disputing charges. Now we are planning to buy a house and I am facing significant financial charges because of all this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020, I paid off this account in full and XXXX XXXX XXXX agreed to remove any negative marks on my credit report for this account. The amount they are claiming as a charge-off was actually the same amount that was paid to them. Therefore no money was charged off. My vehicle was totaled in an accident and the amount I paid was the deficiency amount left on the lease. XXXX is insisting that this is correct. I disagree how can they continue to harm my credit for an amount of money they collected nearly 3 years ago.

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 2018-08-18
Company: Experian Information Solutions 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:
On XX/XX/2018 I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, Experian and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. Experian was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.

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 2023-04-10
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:
Recently, I did an investigation on my creditr report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: MO
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-05-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} Equifax : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00}

Company response to consumer: Closed with explanation