BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
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:
XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late

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 2022-05-31
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2019-03-28
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:
Transunion is reporting an incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2018-05-24
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is showing duplicate and is stuck in a passed due balance. Two days ago I applied and paid for an official transcripts to be sent to my new employer. However, they canceled my order due to a financial hold on my student account. I asked them what was the hold. They told me I owe {$18.00} for a book that I returned late or something, which is ridiculous because it was a bit over 8 years and I never got a notification of that. I actually requested transcripts to be sent to jobs in the past and that has never been an issue. and now that I look at my Credit report the way its reporting is incorrect. I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Public record information inaccurate

Complaint:
On XX/XX/2023 I wrote the courts stating that I have a bankruptcy on my credit. The company responded XX/XX/2023 stating that they don't report to the credit bureau. I then sent a letter to Experian, XXXX, and XXXX on XX/XX/2023 asking for this information to be removed from my credit report. They responded XX/XX/2023. This information is incorrect. The courts dont report to the credit beau. Therefore, I would like for this information to be removed my credit report. 

Each Credit Braue Is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2021-11-11
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Sir/Madam : These are inaccurate reporting of late payments. Please remove the inaccurate late payment 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 2022-05-31
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:
THERE IS NAMES AND ADDRESSES THAT DO NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts.

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 2021-11-01
Company: PNC Bank N.A.
State: CA
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:
PNC bank is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX is misreporting a balance due to Experian and XXXX for an old mortgage that was closed already.

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 2023-08-24
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
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:
According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 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 soley as to transactions or experiences between the consumer and the person making the report. 
THESE ACCOUNTS ; XXXX XXXX XXXX XXXX : XXXX XXXX : Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer 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 explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Company: EQUIFAX, INC.
State: NY
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase a {$450.00} product online on XX/XX/2022, using a website called XXXX. Following more discussion on the intended exchange, the seller blocked me from the website on XX/XX/2022, and it became evident that the whole transaction was a fraud. I immediately contacted my bank, since this is where the money transfer company XXXX, with whom I transacted, was integrated. The bank filed a claim, which they sadly had to shut thrice, since they think I initiated the transfer and have no recourse other than to wait for the seller 's bank to retrieve the monies. While I appreciate the circumstances, it is utterly unreasonable that they be without protection in this instance. I felt certain that if something went wrong, I would be protected, having used my bank to send money. Neither the bank nor XXXX assisted with me in addressing the issue ; I have photographs indicating that the whole transaction was fraudulent, and the seller 's account was even suspended on the platform utilized, as it was likely reported by several other individuals. On the XXXX of XX/XX/2022, I decided to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), but my financial institution still contends that it has no choice but to wait for the receiving institution to retract the funds since I approved the transaction by transferring money. In order to make my claim official, I've filed a police complaint which is attached below, and I'm hoping it will help them handle the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent, nor benefit from or authorize any of the following Accounts : XXXX  XXXX XXXX - Account # : XXXX - {$1100.00}

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 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted Kohl 's Store AKA Capital One in reference to ID Theft and TWO separate accounts opened in my name and charged causing me financial loss. 

Kohl 's fraud dept supervisor XXXX ID # XXXX refused to provide her last name, REFUSED TO acknowledged that TWO accounts even existed nor would she provide data on them to me. 

ATTACHED are two documents showing TWO separate accounts where opened that Kohl 's refused to admit to where opened, or shut them down when I notified them my identity had been stolen. She also told me Kohl 's did not want the merchandise and that it was to be donated. 

Kohl 's stated as a victim, they could not discuss the issue with me, that they where prevented by federal law from discussing it ( even though they could not site any specific law stating such ) AND refused to state what items where bought, where they were shipped, and if there where any other activity. 

Per the IdentityTheft.gov website my rights as victim where violated as stated below : Know Your Rights Heres an overview of your rights when recovering from identity theft. If someone is using your information to open new accounts or make purchases, report it and get help. 

" If someone steals your identity, you have the right to : create an FTC Identity Theft Report **place a 90-day initial fraud alert on your credit report **place a seven-year extended fraud alert on your credit report ** get free copies of your credit report get fraudulent information removed ( or " blocked '' ) from your credit report dispute fraudulent or inaccurate information on your credit report stop creditors and debt collectors from reporting fraudulent accounts ***get copies of documents related to the identity theft stop a debt collector from contacting you. '' Kohl 's refused to describe or give me documents relating to the ID Theft as required. 

In addition, all THREE credit bureaus refused to provide free credit reports, give 90 day fraud alerts or place seven year fraud alerts because they charge victims for each.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX opened a credit card account without my knowledge, by end of 2022 I received a statement from this institution. The statement indicated purchases and collection of respective payment. I contact them and filled a fraud claim since I do not have such card nor request it. The institution hasn't follow up instead they keep trying to collect the debt. On every Month statement that I keep receiving no additional purchases are included but interests keep getting accumulated. I just file another fraud claim and they mentioned it'll take them up to 10 business days to provide a resolution.

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 2023-09-22
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Good Day, I am having an issue with a bank that involves an auto loan with Santander Consumer USA. I submitted a complaint with The Attorney Generals office and XXXX  in regards to this company. Billing me for my auto loan in which the bills were paid by the cut off date of the XXXX of each month. However, what the company say I was billed for was not applied to my account. Which prompted me to initiate a complaint as mentioned. I was billed for late fee which in fact I was not late. Some of the late fees were waived and or credited however there have been payments that were made and not credited to my auto loan. I asked for an extension for the payment for the month of XXXX. I was told that I could not be assisted because I filed a complaint with The attorney Generals office, not for no other reason explained from the XXXX office of this company per the representative on XXXX the XXXX XXXX. I was told that I needed to fax in a letter stating I am no longer in litigation which I am not but I needed to accept their terms to be assisted with The extension. I need to know where exactly should this new complaint be filed. 

Respectfully, XXXX XXXX XXXX XXXX as of today I was told I could not get an extension due to not paying XXXX consecutive payments. My. Account was current when I requested the extension back in XXXX for XXXX. I was told I needed to fax in a letter stating that I was no longer in litigation to get assistance. I have not received any responses via email after repeated request nor via postal mail. 

It appears that I was discriminated against because I filed a complaint about wrong doings and faulty practices of Santander Consumer USA. 

My issues with my auto loan The loan was established in XX/XX/XXXX for a XXXX XXXX XXXX for {$27000.00}. My loan balance is still {$25000.00} with monthly payments of {$710.00} with 1 or 2 payments deferred. I believe that I am a victim of abusive loan terms on borrowers, including high-interest rates, high fees, A targeted vulnerable individual with poor credit, low income when the loan was established Discriminatory / PREDATORY lending practices were used. I have paid over {$15000.00} on car payments thus far. My balance does not reflect hardly any of those monies. Its a issue at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: HireRight Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, 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:
Compliant ' of HireRight ' a Speciality Consumer Reporting Agency, the Type ' of Problem as ' not following FCRA policies in Remedying the Effects of Identity Theft, in an understanding of the Summary of Rights under the Fair Credit Reporting Act, the Importances for FTC Notice to Furnishers '. What ' happened was that ' HireRight - Legal - Data Security is ' exclaiming that ' HireRight ' is under Special ' contracting with XXXX in an extension of 5-10-15-20-25 years in unfair or deceptive business practices that is ' not. to remove my Employment Background Information. The Escalating Concerns of the Fed ' of a 10 year File that ' HireRight ' refuses to remove from their Database with Allegiants and alliances of ' the Continued Violations of my Civil Disability Rights in Public Corruption, Extortion and Solicitation of Monies. 

FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
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: 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. 

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 XXXXXXXX, 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 non-monetary relief