BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: LEXISNEXIS
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 sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 explanation
Consumer complaint received 2023-08-30
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting 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 XXXX ( XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602A Section 2 States I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C Code 1681s-2 States 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. 
( B ) States A person shall NOT furnish information relating to consumer to any consumer reporting agency if- ( i ) The person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and ( ii ) The information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I canceled an annual subscription to the XXXX XXXX app before its renewal date but was still charged by the company on my credit card. When I disputed this transaction, my credit card company denied my dispute.

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 2023-08-30
Company: Consumer Portfolio Services, Inc.
State: WA
Product: Credit reporting 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 only authorize for XXXX auto company to run my credit which was XXXX XXXX XXXX XXXX XXXX, 2023 ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: CAINE & WEINER COMPANY, INC.
State: GA
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:
I am a victim of the XXXX data breach. Caine & Weiner contacted me via a letter XX/XX/, about an alleged debt I have no knowledge of. I disputed the entire debt amount of {$510.00}. Not only did I dispute the alleged debt and notify Caine & Weiner that the debt did not belong to me, I also asked Caine & Weiner to provide me with specific information pertaining to the alleged debt as required per the FCRA. Caine & Weiner did not provide me with the pertinent information and is continuing to attempt to collect on a fraudulent debt and is negatively reporting this fraudulent debt to all three Consumer Reporting Agencies, resulting in my credit score decreasing almost 30 points. Please have Caine & Weiner remove this fraudulent alleged debt immediately and pay remedies to me for violation of the FCRA laws listed in supporting documents. I have filed an identity theft report with the FTC. I will also file a police report with law enforcement, a complaint with the XXXX and State of Attorney General then file suit. Please see all supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS IS NOT A DUPLICATE!!! Additional information has been provided!!!! I have requested to have an inquiry removed from Transunion. They are trying to educate me on how long inquiries remain on an account, I dont need education on inquiries, I need the inquiry removed. XXXX XXXX has informed them per letter, I have informed them, XXXX has requested the removal and Transunion is still not complying. This is an application I didnt request per the letter on the investigation shows this and they are adamant about leaving this inquiry on my credit report. Why? They took the unauthorized card information off, why leave the inquiry. It makes no sense enclosed is the letter from synchrony.

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 2023-08-22
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No validation of debt was provided with original debt owed or original contract. I dispute the debt and amount.I don't have any written contract with this collection agency. I will not be paying this debt.No valid license to collect debt was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To whom it may concern, On XX/XX/2023 my car was broken into. Among the items the theive ( s ) got away with was my wallet. Upon realization of the event I canceled all of the cards, and filed a police report with local law enforcement. Unfortunately several hours likely passed as the thieve ( s ) racked up at least one charge on every card. 4 cards were involved. XXXX and XXXX quickly resolved fraudulent charges accounting for XXXX. Unfortunately the home depot credit card ( CITI ) entered a long dispute process. I figured it was because this card had incurred the biggest charge of the four ( {$380.00} ). Two months later ( XXXX ) I got a disheartening letter from CITI telling me that upon their investigation, I was fully responsible for the fraudulent charge. Outraged, I called their security team to immediately reopen dispute. I sent them a copy of the police report. Gave them a very detailed statement of the event. Also attempted to acquire surveillence footage, but was unable to because of lack correspondence from law enforcement. Who are required for release of footage. Sadly, today ( XXXX ) I received another letter from CITI telling me that I am still liable, and that my credit report is now in jeopardy if I don't pay! Realizing that CITI is not in my corner I have decided to file a complaint with consumer finance. Hoping to resolve this unfortunate situation.

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 monetary relief
Consumer complaint received 2023-08-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I mailed a check on XX/XX/XXXX and it was received on XX/XX/XXXX. I reviewed the statement which is attached again the funds were misapplied and then put in the principal. I even attached a letter stating the check # and where to apply it to. I even provided with the check stating my acct # and escrow. 

Again I have attached the last time this happened and the response from Wells Fargo and this is less than a year say 11 months ago when done the same thing. 

What is going to take to for someone to read. I am tired of the excuses that it is a 3rd party company doing this etc. See the attached letter the excuse from XX/XX/XXXX How many more complaints do I have to file. Is there incompetent people that do not read or ignore where to apply it? It is clear on how many times I have put it stating where to put it in escrow including letter. 

I am getting tired of filing complaints like this every 11 months or less.

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 2023-08-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im not sure why or if someone used my information now that Im of age I can not open ANY Bank account and its very aggravating and not helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please see the attached documents. Do not close this complaint stating that it is not me. I am a natural person and a consumer.

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 2023-08-20
Company: SANTANDER HOLDINGS USA, INC.
State: OH
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:
Every since my continuous complaints about Santander Consumer USA reporting incorrectly about my account being late with missed payments as accurate and up to date. 

My credit and personal information and all of my personal information has me as a victim on the dark web. The dates of activity with the dark web also coincides with my reports and complaints about Santander Consumer USA. 
I've placed a yearly fraud Alert. Being that I'm unsafe with knowing of this action and the source behind it. I'd like to also request a 7 yr Fraudulent Alert on my credit reports until this entire matter with Santander Consumer USA is completely resolved. I'm also seeking counsel in this matter as I deem it to be retaliation in its worse findings. 
To try and destroy my life credit and otherwise. They should not be in business and this should not be allowed. I'd like to also investigate how many others like myself have fell victim to them and unfortunately not caught it as quick as I did and put the two together. 
Please help me with my 7 year fraud protection on my reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX on XX/XX/2023 I sent XXXX a notice of Opting out. Also XXXX never disclosed to me my right to Opt-out

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: Open Dealer Exchange, LLC
State: CA
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 went to XXXX XXXX XXXX ( in XXXX, CA ) on XXXX XXXX, 2023. I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Chime Financial sent me a series of emails stating an account was opened in my name. My employer, the University XX/XX/XXXX, had a data leak a few years ago. The University system has created a PDF document stating that there is an 'outbreak ' of Chime accounts created using the stolen data. Here is the catch My gmail address is : XXXX Chime has it as : XXXX A feature of XXXX is that I will receive emails addressed with our without the ". ' The thieves likely know this. In my correspondences with Chime, they state they will only close the account if I send it from the registered email address, which lacks the ". ' This is not possible, and so I'm stuck. When I call, the bank asks for personal information, which I will not provide due to concerns of further fraud and damage to my credit and finances. I am a victim of their practices and I do not know what further actions I can take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus last XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
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 recently discovered unauthorized credit inquiries on my report from XXXX XXXX  XXXX and XXXX XXXX on XX/XX/2022, which I did not authorize and do not align with the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). As the FCRA permits credit inquiries only for a firm offer of credit, insurance, a court order, or employment purposes, I request the immediate removal of these unauthorized inquiries from my credit report, as they were not authorized by me. I appreciate your prompt attention to this matter and request that the necessary steps be taken to rectify this situation promptly. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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