BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: SIMMONS FIRST NATIONAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2019 SIMMONS BANK Has left Unautorized Hard Inquiry on my credit with XXXX  so, i contact XXXX  and placed a freeze on credit, i didn't apply for anything with SIMMONS BANK

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Inquired on XX/XX/2022.

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 2022-04-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2021-09-20
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
Today XXXX I called my credit card company, First National Bank of Omaha and asked them to open my account so I could utilize my available credit. 
They told me my account was closed back in XXXX of XXXX and could not be reopened and I would have to reapply. This will not work because with my current credit score I would qualify for a new card and this was not what was promised when I entered the payment program. 
I informed them that I had problems paying my bill do to XXXX and that I was put on a payment program to catch up. I was put on a payment program and was told that when I got caught up my account would be reopened. 
I called every month prior to my due date during this problem period as a show of good faith and to pay what I could. 
Now I am fully caught up and have avaialble credit I should be able to utilize. 
Before XXXX I had a perfect payment history.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am submitting this info to CFPB because XXXXXXXX XXXX  and Experian have not updated my XXXX account on my Experian Credit report. I received an upgrade for my XXXX XXXX XXXX XXXX XXXX I noticed after I received my new XXXX XXXX XXXX that my Experian credit report was showing I had two open XXXXXXXX XXXX XXXX I only have one XXXX XXXXt. I have spoke with XXXX Bank and Experian since XXXX and this dispute has not been resolved. 
I have submitted 3 online disputes to Experian in XX/XX/XXXX. Each resolution comes back completed, but the original XXXX account has not been closed. I spoke with XXXX with Experian today XX/XX/XXXX, he stated that he would contact XXXXXXXX XXXX to get this resolved. I received a text message from XXXX at Experian asking me to do the same thing that I have already done, submit an online dispute. 
I have spoke with XXXX Bank many times since XXXX and sent them a copy of my Experian Credit report showing the 2 XXXXXXXX XXXX I spoke with XXXX at XXXX Bank today, XX/XX/XXXX, she cant find the fax or credit report that I mailed XX/XX/XXXX. She said she would submit paperwork for an investigation. I have been transferred, put on hold and at times left on hold. I want this issue resolved. 
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 non-monetary relief
Consumer complaint received 2019-10-08
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are not mines and belongs to another inwhom made me a victim of identity theft/ fraud. I'm demanding either I be provided with physical documentation such as my signature, id, etc as it relates to these accounts, or please remove and block these fraudulent accounts immediately. The accounts being disputed are. 

1, XXXX {$1300.00} 2. XXXX {$1900.00}

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 non-monetary relief
Consumer complaint received 2018-09-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account SPRINGLF FIN which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that SPRINGLF FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated from XXXX University 's accelerated XXXX program in XX/XX/2013and within 3 months my Navient ( formerly known as Sallie Mae ) private loans went into affect at a rate of {$1100.00}. As a new grad XXXX I hadn't even found a job yet and once I did find a job, my salary was not high enough to cover the loans with my additional expenses. I was able to put the loan into forbearance for a couple of months, until finding a job, but this added {$250.00} each month to my outstanding loan with interest rates as high as % 11. When I did find a job at XXXX as a XXXX working on a XXXX XXXX XXXX, my hourly wages were amongst some of the highest hospitals, at a rate of {$37.00} an hour. However, even at this hourly wage and working 36 hours a week I was not able to afford the {$1100.00} a month student loan as well as my federal student loans. I had to borrow money from friends and family each month just to make the minimum payments on my Navient loans. It has been 5 years and I continue to owe {$40000.00} on that loan, working as a XXXX and barely getting by. I had to move my entire family and life up to the XXXX XXXX just to find a higher paying XXXX job to make the minimum payments on the loan. It's not right that teachers can be pardoned from student loans considering they are public servants, but why not XXXX too? I am a slave to my student loans and I can not go back to get my XXXX XXXX XXXX as a way to provide better care to the community considering the financial limitations of the Navient loan with incredibly high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 am filing this complaint to CAP ONE AUTO for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Information belongs to someone else

Complaint:
I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX. ) I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA and Account : XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00}, that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint. I am including it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to seek your assistance in resolving a matter concerning inaccurate information on my credit report, which has not been appropriately addressed by Experian. On XX/XX/XXXX, I contacted Experian to report the following erroneous entries on my credit report. However, I have not received any response or resolution to date. 
Account 1 : Creditor : XXXX XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$750.00} Account 2 : Creditor : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account 3 : Creditor : XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : {$1900.00} Original Creditor : XXXX XXXX XXXX I want to emphasize that none of the above accounts belong to me, and it is imperative that they are removed from my credit report promptly. I have fulfilled my obligations as a responsible consumer by promptly notifying Experian of these discrepancies, but their lack of response is concerning. I believe Experian has an obligation to comply with federal law and investigate the validity of these accounts as per my request.

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 2023-09-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit Reporting and Unauthorize and Unnottifice Charges by " Banco Popular '' Lack of Transparent Communication : " Banco Popular '' charges a membership fee to all credit cardholders, but does not adequately notify customers of this charge. As a result, many cardholders are unaware of the fee and do not pay it. 

Unethical Reporting : Without prior notice to the customer or verification that the customer is aware of and agrees to the charge, " Banco Popular '' reports the unpaid fee to credit bureaus as an unpaid debt. This can be considered unauthorized credit reporting, as customers were not given sufficient information to consent to the charge.

Negative Credit Impact : This reporting affects the customer 's credit report and potentially lowers their credit score, causing long-term damage to their financial health. Customers are not given a chance to rectify the situation before it impacts their credit history. 

Absence of Remedial Measures : Unlike other financial institutions that provide customers with alerts or options to dispute unauthorized charges, " Banco Popular '' does not offer an easy method to contest or become aware of this membership fee before it becomes a problem. 

This practice could potentially be deemed unethical or even illegal depending on the jurisdiction and specific laws regarding financial practices and consumer protection. If you or anyone else is experiencing this, it would be advisable to consult legal experts or financial advisors for personalized advice on how to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Personal information incorrect

Complaint:
Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me. 

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have only lived at XXXX address in fl. To my understanding there is another XXXX XXXX in my area

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-04-06
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:
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 Account number : 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigationXXXX  and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: American First Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2023, I located a man off of XXXX interested in purchasing some mattresses. I met with the man in XXXX Tx at his place of business to look at the mattresses. We went forward with the sale and he took my social security number, bank information, employer, and driver license information to get me approved for the loan, Once I was approved I put down {$50.00} to start the initial payment plan. The guy told me that he would deliver the mattresses to my home but it would be an additional {$75.00}. I paid him the {$75.00} delivery fee gave him my address and expected to see him later on that evening after he left XXXX XXXX with his family. The guy never showed up to my home with the mattresses. I would call the number listed on the paperwork, but I got no answer from him. AMERICAN FIRST FINANCE ( loan company ) started taking biweekly payments from my bank account of {$210.00} totaling {$250.00} a month. I tried to explain to the company on several occasions that I dont have their merchandise so I should not be charged. They only told me to keep reaching out to the guy that sold me the mattress and it was nothing they could do. AMERICAN FIRST FINANCE took money from my bank account from XXXX - XXXX. I am requesting for my money back for product not received as well as removing the fraudulent account from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a 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 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