BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
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: Account information incorrect

Complaint:
On or about XX/XX/2018 I sent the attached letter ( XXXX XXXX  XXXX letter ) to XXXX XXXX  detailing inaccuracies they are reporting to XXXX, XXXX, and Experian. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX XXXX is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a  person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX XXXX  was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the 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 2023-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 do not recognize the inquiry for XXXX XXXX XX/XX/XXXX or XXXX XXXX  XX/XX/XXXX. 

I went to a car dealership and did not authorize multiple lenders to pull from my report. 
UNAUTHORIZED * XXXX XXXX XXXXXX/XX/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 2018-04-21
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to settle the amount owed with XXXX with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and XXXX fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX, I received an alert from the credit bureaus that I had received a 30 day late. When I went to see where it was coming from, I discovered it was with TD Bank/Target credit card. I immediately logged in to make a payment, as I had no idea my account past due. I contacted customer service because I was concerned since I had received no communication from the bank notifying me of any late status. Customer service reversed the late charges and stated that they remove the 30 day late from my report. That was in XXXX. I called back again in XXXX because nothing had updated. The guy said their internal department was looking into it and that I needed to give it time. It is now XXXX. I called again just to be told again internal department is looking into it. No one is looking into anything. No one is addressing my concerns. No one is fixing my report. Ive sent dispute after dispute. I was told that they had to remove the late fees in order to remove the late notice with credit bureaus. They still have not carried out their word. No one will let me speak with a manager. It is taking them longer than 30 days to update my report. They keep saying they are investigating and then nothing happens. I receive absolutely no communication from them just like when they reported me late. There was no communication informing me I had a balance. No communication informing me payment was missed. No mail, no phone call, no nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are incorrectly reporting the coding on the XXXX  - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
My identity was stolen and used I paid off the debt to be removed 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 2022-12-20
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 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
Consumer complaint received 2018-04-21
Company: GREAT LAKES
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I attempted to pay hundreds of dollars to this company assuming that they were going to help me with my students loans and when i attempt to contact the company the contact information was not reachable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-04-20
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2019-02-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Best despite my best efforts in submitting a copy of the FTC  complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason

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 2022-11-29
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This company alleges that my payment due on my card in XXXX of this year had bounced. This is untrue and I attempted to provide them with the documentation. I have spoken to these people XXXX times and they have deliberately stonewalled my efforts along with providing erroneous or false answers. I do not know what to do next, because I can not trust them with further payments if this is the treatment I receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
Company: M&T BANK CORPORATION
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: Reporting company used your report improperly

Complaint:
1. In accordance with the fair credit reporting act XXXX  2. M & T banks, 3. XXXX XXXX 4. XXXX XXXX XXXX, 5. XXXX, 6. XXXX XXXX, 7. XXXXXXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXXXXXX XXXX, 10. has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-04-02
Company: Santander Consumer USA Holdings 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:
I never gave Santander Consumer USA Authorization to put anything on my report. They reported to XXXX and XXXX. 15 US Code 1681 2 Exclusions ( B ) any authorization or approval of a specific extension of credit direct or indirectly by the issuer or a credit card or similar device. 15 US Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy.

I have told santander to stop contacting me and they continued to contact me. Santander is also involved in a Car Loan Class Action Lawsuit. This is involved with litigation. I demand the accounts be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: GA
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 recently received a copy of my ( Experian ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX. ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX ACCOUNT XXXX XXXXXXXX {$0.00} Your company is 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 credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 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, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-12-20
Company: EQUIFAX, 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 have some items on my credit report that arent correct, and I would like them removed or deleted asap. XXXX, Equifax, and XXXX are reporting 2 accounts on my file that I dont know about. They arent mine, and are most likely fraudulent accounts. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like a proper investigation done asap on these accounts, and I would like them deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a US Bank Checking account on XX/XX/XXXX, and signed up for a promotional bonus advertised by US Bank. The terms of the bonus ( which I have attached ) state that when the following requirements are met, I will receive a {$400.00} bonus. I met all the requirements ( as proven in the attached document detailing my transactions ), but have still not received the bonus : -Enroll in online banking - OK -Deposit at least $ XXXX within 30 days - OK -Make 5 transactions within 60 days ( debit, XXXX, checks ) - OK -Keep $ XXXX for 60 days ( until XX/XX/XXXX ) - OK -Get bonus within 45 days ( by XX/XX/XXXX ) - Still waiting I called shortly after opening the account and was told I successfully enrolled in the bonus. 

After the 60 days were met, I called again and was told that I should receive the bonus soon. 

I then called again XX/XX/XXXX, and received a call back on XX/XX/XXXX, and was told that I indeed met all the requirements, but that I won't receive the bonus until at least the end of May, which is another 5 weeks from today. 

Per the terms, the bonus was promised by no later than 105 days, which for me is XX/XX/XXXX. 

I am now filing this complaint because I have no faith that US Bank will honor the terms it laid out in the agreement. 

Thank you.

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 2018-08-27
Company: Tribal Lending Enterprise, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a {$1000.00} loan ( XXXX ) from XXXX XXXX XXXX. I recently learned that these types of loans are illegal in Arizona where I live. I have paid back more than the original {$1000.00} and since the loan is illegal, I would like it to be closed as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: GATEWAY FIRST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was approved and opened a new checking account from Gateway First Bank on XX/XX/23. There is a promotion for {$250.00} for the checking account once you meet certain requirements. While trying to complete the process to meet the bonus requirements I first successfully transferred {$270.00} to open the account and the amount posted to my Gateway First Bank Checking account. 

On XX/XX/23 I checked my account on the app and online and saw that my account was no longer there and there was not notification or message from the bank of what happened. 

This bank approved me to open the account with a {$250.00} bonus attached and then closed my account with no notification and received all my personal information and still have my initial deposit of {$270.00} not stating what will happen to that. They misled me to open the account because of the bonus and approved it but then closed it after taking my information and deposit with no notification.

Company response to consumer: Closed with explanation