BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: Dennis Dillon Auto Park and Truck Center, Inc.,
State: ID
Product: Credit card
Issue: Transaction issue

Complaint:
I 'm not sure if this is the most appropriate agency to contact regarding my complaint. I did pay for the service/repair of my car with a credit card. I took my XXXX Nissan Frontier to Dennis Dillon Nissan in XXXX for repair on XXXX/XXXX/2013. This is an authorized Nissan dealer in XXXX and I was told that they only utilize Nissan parts on repairs/replacements as shown on the Estimate. I agree for them to repair my car after I understood they would use Nissan parts. I found out later after receiving my car that some parts did not look new and I reached out to the dealer only to be told that parts used were aftermarket because the Nissan parts were not available. However, at no time during the repair process I was informed that the parts were not available and aftermarket parts were going to be used instead. furthermore, on XXXX/XXXX/2013 I paid an invoice showing the agreed parts on the estimate and I was not told that different parts were used as noticed on the invoice itself. 
I made multiple attempts to reach a resolution with Dennis Dillon. I requested proof of where the parts came from and I was given a " parts shipment list '' which after investigation, I found that those parts were for multiple vehicles and none were actually for my car. I looked up every single part number at Nissan.com. 
I spent about XXXX months trying to resolve the problem with Dennis Dillon. I noticed that the aftermarket parts started to show corrosion a couple of months after they were installed and I tried to get dealer to honor the lifetime warranty that he mentioned on a XXXX/XXXX/2013 email. Dealer refused to honor the warranty. I also discussed with dealer getting a refund for matching the price with the lower cost aftermarket parts that they had used but they refused. Dealer eventually stopped all contacts. 
I tried to hire a private Attorney but Idaho is a very conservative State and most of them represent the insurance/defense. I did talk to a couple who believed that the amount paid for the parts was n't large enough for them to take the case. 
I 've been taking my car to another Nissan dealer for maintenance and I 've found out that some parts that were supposed to be replaced are not on my car at all. for example, the front Grill was coming loose on one side and I was told today that there were seven clips that were not installed during repairs by Dennis Dillon. In addition, I was also told that they did n't do a proper job because the repaired side had been bolted rather than welded and as result it looks uneven on that side. 
I 'm not sure if the FTC or other agency protects consumers from predatory/fraudulent practices but here is Dennis Dillon Address/contact information : Dennis DillonXXXX XXXX XXXX XXXX, ID XXXXPlease let me know if you can help me. I already tried hiring a private Attorney but not many in this area represent the people. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
Months ago, I have sent a letter to the XXXXhree credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the correction of the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 2022-02-24
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 THESE INQUIRIES 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 2022-02-24
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 2017-03-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The CFPB has advised me to submit a new grievance with regard to a previous complaint under case # XXXX. In accordance with CFPB guidelines presented to me, the Corporate Complaint Team at Santander Bank has failed to adequately state any appropriate action they have taken to resolve my concerns. Additionally, the response I received from the Corporate Complaint Manager, apparently assigned to resolve my concerns has not provided any legitimate explanation for the ENTIRE amount of funds that were withheld on my checking account. Moreover, after ( 3 ) attempts to directly address the less than satisfactory reasoning within the manager 's letter, I was only allowed to speak to a complaint advisor in place of the manager. However, the advisor had no access to my complaint letter, form or otherwise file. The advisor 's statement to me via phone was that she was " familiar '' with my complaint but she could not give me any detailed information as to what their offices do. I am left to contend, based on the response I received, that possibly my letter was not even read at all. Please be advised that I am very unsatisfied with this response from the complaint team. The letter I received is a " smoke and mirrors '', complacent approach to dismiss my complaint as meaningless. It is important to note that at the initial stage of this problem, customer support indicated that I had ( 5 ) holds on my account. These pre-authorization holds should not have occurred, but as they did, my funds were held in the amount of {$430.00} dollars. And while I have seen {$360.00} dollars of that amount returned, I have not seen the remaining balance. The complaint team refuses to take responsibility and would have the consumer totally fault the merchant. Yet, I draw your attention to the ( 3 ) attachments I have provided here that address this problem, which causes consumers problems nationally. In all, I am seeking due return on the balance of my funds and for the bank to show responsible diligence in forging way better customer satisfaction and resolve.

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
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a dispute letter regarding inquiries that was not initiated by me and asked that items be investigated for accuracy and verification but I have yet to receive a response back as of XX/XX/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 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
according to Engelhardt v Graves ( mo ) 281 SW 715,719,1 which says presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have not supplied proof under estoppel and therefore no such debt exist. in Fact this company is now in violation of 15 u.s. code 1681n ( civil liability for willful noncompliance ) as i have sustained damages in the amount of XXXX XXXX this only shows up on one credit report and NOT for XXXX and XXXX do there is a discrepancy

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 2022-02-24
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 2021-03-17
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:
Account NameXXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account NameXXXX XXXX Account XXXX Account TypeCredit Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeChild Support ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedXXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXXXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX ***remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX ***remove above incorrect names, not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX SINGLE FAMILY XXXX FM XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # NA XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX APARTMENT COMPLEX ***remove above incorrect addresses, not mine, FCRA violation ( XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect numbers, not mine, FCRA 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 2023-11-23
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email notification my credit score dropped XXXX points. Opened by I.C. Systems Inc. in the amount of XXXX. I have no contracts or business with this company.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly 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 2023-02-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Total Card # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX  XXXX  Account # 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 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 2023-04-03
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for the Discover. 
I was approved for Discover. 
Discover card # XXXX. 
I tried to call and get it activated, and sent all the proper documents to Discover, but I have not been permitted to use the card. Please allow me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I have been a victim of identity theft. Transunion violated my rights and shared, furnished, and sold my non-public information without my consent. This is deemed identity theft. Please remove these items ASAP : XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # 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 2023-05-17
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 fraud alerts or security freezes

Complaint:
Transunion website can not process a credit unfreeze, the automated attendant on the phone number continues to error and hang up, and I am unable to unfreeze my credit in order to apply for a time-sensitive credit application. This is service should NEVER be unavailable. My credit report is completely inaccessible to creditors and there is no timeframe for when I will be able to access 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 non-monetary relief
Consumer complaint received 2023-07-05
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

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 2023-02-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 response to consumer: Closed with explanation