BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: TN
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:
15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX OF XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX 2020

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 2021-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I submitted a dispute regarding incorrect information on my credit report. It has been over 70 days and have not had any communication about the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: IL
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/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 XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX 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

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 2020-06-11
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: Account information incorrect

Complaint:
Thru numerous letter disputes I've sent out on XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, and on XXXX. XXXX, XXXX ... I've pleaded with the XXXX, Experian, and XXXX that they were reporting inaccurate information due to the following accounts : " XXXX XXXX which is an account that was removed from my credit report and now reappears and as the information reporting clearly determines its an re-aged account and the information reporting doesn't add up, meaning how can a account be opened in XX/XX/XXXX and have date of last activity of XX/XX/XXXX? Account : XXXX XXXX : which shows on some bureaus as Charged-Off/Collections and on others as " Open ''? How is this the case especially when the charges to the account was made by someone other than myself as I told them without my permission and their employee authorize the transaction, which I shouldn't be held accountable for ... Account : XXXX XXXX XXXX : an account that has clearly not been investigated or verified properly because I've never had an account or credit card with such company and my SSN doesn't match that person they're accusing. Account : XXXX XXXX ... account is reporting inaccurate information by all 3 bureaus as I pointed out on the above dates and neither is yet to send the proper documents or paperwork verifying the account. Simply due to the above facts and information taken from the individual credit reports, these accounts should be removed from my credit file as its hindering me from obtaining the lifestyle of having excellent credit or building decent credit. Again I've pleaded with them and pointed out the mistakes on the credit reports and all they seem to come back with is this account has been verified, which is not true. I've even reached out to the original creditors with no response of verification of said accounts, not to mention neither bureau responding to my XXXX. XXXX, XXXX dispute letter, which is way beyond the 30-45 days that's required by 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-13
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: Personal information incorrect

Complaint:
XXXX Transunion and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the XXXX and waiting weeks for a resolution. 
I did not send my personal information to begin with!

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 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 ) Balance {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following accounts added to my credit report are as a result of identify theft fraud Accounts XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX On XX/XX/XXXX, I sent a letter to TransUnion stating identity theft via USPS XXXX Mail ( XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received an updated credit report dated XX/XX/XXXX stating " the disputed information was Verified as Accurate.. ''. However, pursuant to section XXXX of the Fair Credit Reporting Act, the reporting agency DID NOT provided any supporting documentation showing proof that the reported items actually belongs to me. 

Attached is a copy of the following : - Original identity theft report - Letter to Creditor sent on XX/XX/XXXX - Certified Mail Tracking Confirmation ( received ) - Dispute result from TransUnion Report ( dated XX/XX/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 2020-07-29
Company: Peoples Commerce Inc
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
People Commerce is on my credit report as an repo. I was a victim of receiving a lemon from this agency. And I was included in a class action lawsuit against this company and was compensated. The Pennsylvania attorneys general office would brought the class action suit on my behalf also told me this should be removed from my credit report. I was able to have it removed from XXXX but XXXX still have it on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am no longer an Authorized user on this account. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NC
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:
I has a fresh start program with XXXX XXXX from XX/XX/XXXX and was paid off in XX/XX/XXXX. 
Without my knowledge or consent they opened a XXXX XXXX XXXX in my name that I did not request and it is on my credit report as of XX/XX/XXXX. Because of this my score dropped XXXX points in one day. I am working very hard to build my credit now this has ruined all of my hard work. 
I contacted the credit bureaus as well, because I was trying to find out how I could remove that and get my XXXX points back. This is unfair and should be illegal to do this when I did not ask for this card or apply for it.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Acct # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2020-06-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Ally financial has promised to collect vehicle at lease expiration but has consistently failed to do so. The lease is more than 6 weeks past expiration and past the date Ally promised to collect. Ally has subsequently stopped communicating with us. Calls and emails to supervisors and executive management have gone unanswered. Ally has told us that we are responsible for the safekeeping of this vehicle. Some folks from Ally have lied about California COVID laws preventing them from arranging a pick up other car lessors have picked up expired leased vehicles during the same time period that Ally said it was not possible. There is never a consistent story from person to person at Ally. The only consistency is that ally expects customers to store vehicles that no longer belong to the customer at the customers property free of charge and to keep paying for insurance even though we are not using the vehicle. We know that XXXX XXXX XXXX  has managed to collect vehicles without causing anywhere near as much difficulty that Ally has. Allys responsiveness to consumers during this crisis and its expectation that consumers should provide Ally free safekeeping of Allys vehicles is abhorrent. ( Ally has also failed to provide, upon multiple requests, any nearby locations or any locations at all where the expired vehicle could be surrendered. )

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 2021-05-30
Company: EQUIFAX, INC.
State: NJ
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 had a credit freeze and fraud alert from a previous data bread starting 2019. Since checking my report I noticed numerous inquiries from companies I have no relationship with. I have contacted both the companies and credit bureaus to resolve but only given computer generated responses that they are verified with no proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use an app called XXXX. It allows you to get paid earlier than payday depending on the amount of hours you spend at work. This app linked up with my PNC bank account and allowed the app to withdraw the money I had paid myself earlier in the week. I've been using this app linked with my PNC account with no problems until yesterday. XXXX app is telling me that my PNC bank is not allowing this essential service to link up when all other banks allow to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: VA
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 following accounts have violated my rights : XXXX- # XXXX - {$730.00} XXXX XXXX - # XXXX - {$2300.00} XXXX XXXX XXXX - # XXXX - {$3500.00} XXXX XXXX - # XXXX {$3500.00} XXXX- # XXXX - {$1800.00} XXXX # XXXX - Bankruptcy XXXX  XXXX Bankruptcy- Reference # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written 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 2023-06-01
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and/or XXXX ) credit report. My latest credit report shows credit inquiries that I did not authorize from XXXX XXXX XXXX 

I am writing to dispute the following inquiries and ask for their removal from my credit report. I did not apply for credit, loan, or have done any business with XXXX XXXX XXXX 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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