BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2022-02-28
Company: Exeter Finance Corp.
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:
I already recently filed a complaint against Exeter XXXX regarding my balance still appears to be {$4300.00} for some time now. So when I made my payment this past XXXX on XX/XX/XXXX of {$210.00}, I'd informed them of the complaint filed and the reason. Well the next day XX/XX/XXXX, I received an alert from XXXX XXXX informing me that there had been a change. So when I go look to see what was going on, Exeter had dropped my score a whopping XXXX points! Going back to XXXX of XXXX! Also this balance is not correct. I should now owe {$3800.00} from XXXX months ago to this date .They as well updated my payment status on XX/XX/XXXX, and the amount as I've stated stayed at {$4300.00}! And when I made my payment this past XXXX, I asked what would now be my balance? XXXX  declined but stated that I could call back the next day for that status update, knowing that it would be Saturday! Now they are saying the balance is {$470.00}. So something is definitely off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: VA
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 Faie Credit Reporting act XXXX  XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NC
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 reviewed my consumer report and noticed that Experian unlawfully reported an unauthorized account ( XXXX XXXX # XXXX ) on my consumer report. I did not give written permission to Experian put anything on my credit profile. They had no permissible purpose by law to contact third parties with my private or personal information. I informed Experian that their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Because they have knowingly transferred, possessed, or used, without lawful authority, a means of identifying me. I asked for them to update my consumer report and send me copy in which they never did. I waited well over 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

Experian is not only holding me back from raising my credit score but reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. XXXX inaccurate reporting have damaged my livelihood.

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 2015-05-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
My name is XXXX XXXX and I live in Virginia. 
Almost XXXX years back I went to service my car at a XXXX here in XXXX, Virginia. 
I was told by the front desk that I can apply for a Good Year card with 0 % and I did. 
After getting my car serviced, I was told that since I got qualified, I do n't have to pay anything at the store, however I will receive a bill at home with my Good Year Credit Card. 

I did not receive anything from Good Year for almost XXXX months and since it did not strike my mind, I too did not followup. 
I went to the same store after XXXX months and after enquiring about my previous bill, I was surprised to hear that the my case has gone to collections since they send me the bill but I never paid. 
On hearing this I was shocked because I have never done this kind of thing and its not correct. But more than that, I was shocked and surprised because I never ever received a bill from Good Year till date. ( even till date I have no communication ) I immediately went home, called good year and cleared all the bill via my debit card. 
Then I even closed that account. 

Now after these may years, the good year company is hurting my credit. I am trying to purchase a singly family house but because of this dent made by good year, I am able to get only XXXX credit score, and thus not getting loans with good APR. 

I request that since I have cleared the bill long time back and closed the account, please remove this entry from my credit please.. Honestly, this is not my mistake so kindly do not make me and my family suffer. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
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:
There are many mistakes appear in my report without my understanding.

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 2023-08-03
Company: Experian Information Solutions Inc.
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:
XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # 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 non-monetary relief
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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:
This is my 7th 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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: Credit inquiries on your report that you don't recognize

Complaint:
one-man financial 11/29/2021
one-man financial 11/03/2021
Sarma/NCS Jun 02,2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CONTINUE TO VIOLATE MY RIGHTS AND VIOLATE THE LAW 15 U.S.C 1681 et seq.  BY FURNISHING DATA  AND  ACCOUNTS ON MY CREDIT REPORT WITH OUT PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT. THEY HAVE NOT PRESENTED PROOF  OF PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT OR HAVE MADE ANY ATTEMPS TO DO SO. MY IDENTITY HAVE BEEN MISUSESED, WRONGFULLY OBTAINED, AND UNLAWFULLY FURNISHED BY THESE COMPANIES FOR FINANCIAL AND ECONOMIC GAIN. I HAVE MADE SEVERAL ATTEMPS ASKING THEM TO DELETE THESE ACCOUNTS BUT NOTHING HAS BEEN DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: American Credit Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car was repossessed in XXXX due to me falling behind in payments. I fell behind in payments due to my being XXXX and losing my job. I have XXXX XXXX XXXX  and a XXXX XXXX. I have XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have other XXXX as well. American Credit Acceptance told me that I would not be charged a fee for retrieving my personal items from the vehicle. American Credit Acceptance is the lender and they hired a vendor. The vendor 's name is XXXX XXXX XXXX. XXXX  XXXX XXXX hired XXXX XXXX  XXXX XXXX XXXX to repossess my vehicle. I contacted XXXX XXXX XXXX XXXX XXXX to retrieve my XXXX equipment and other personal items from the vehicle. They told me I must pay XXXX dollars to receive my personal property from the vehicle. However, I notified them I was XXXX and did not have the money to pay for ( MY ) personal items. They then got mad and canceled the appointment. My XXXX has become aggravated due to their intentional negligence and trying to take advantage of me. I demand these companies to be held accountable. Also, they sold my vehicle for XXXX dollars on XX/XX/XXXX. American Credit Acceptance informed me I still owed XXXX dollars. However, my credit report still shows I owe XXXX thousand dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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:
On XX/XX/2023 The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Name : XXXX XXXX Account # XXXX Account name : XXXX account number # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had Fraudulent activity on my account in XX/XX/XXXX the amount of {$82.00}. I received a letter today indicating my claim was denied due to the fact my card has a chip and according to them it is impossible for fraudulent charges. Clearly that ia not the case since I KNOW I DIDNT MAKE THOSE CHARGES. The Company is now reversing the provisional credit.

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 2023-03-10
Company: EQUIFAX, 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:
in accordance with the fair credit Reporting act XXXX  Account ( XXXX XXXX bankruptcy filing ) has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 28 usc 4852 A party may remove any claim or cause of action in a civil action other than a proceeding before the United States Tax Court or a civil action by a governmental unit to enforce such governmental units police or regulatory power, to the district court for the district where such civil action is pending, if such district court has jurisdiction of such claim or cause of action under section 1334 of this title.

( b ) The court to which such claim or cause of action is removed may remand such claim or cause of action on any equitable ground. An order entered under this subsection remanding a claim or cause of action, or a decision to not remand, is not reviewable by appeal or otherwise by the court of appeals under section 158 ( d ), 1291, or 1292 of this title or by the Supreme Court of the United States under section 1254 of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NC
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:
Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX XXXX but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX My name is XXXX XXXX. I kindly request assistance with a pertinent matter involving the acquisition of Social Security survivor benefits for my niece XXXX XXXX. 

My dear sister XXXX XXXX passed away on XX/XX/XXXX. All agencies were notified of her demise, including the Social Security Administration and Chase bank. XXXX is survived by her daughter, XXXX XXXX, my niece. XXXX is a minor ( Date of birth XX/XX/XXXX ) and orphan. I was appointed as her legal guardian on XX/XX/XXXX. I also applied to be her Representative Payee for her Social Security XXXX Benefits. 

On XX/XX/XXXX, I was informed by the Social Security Administration that they had released over {$7000.00} in retroactive Survivor benefits for XXXX to a Chase account ending in XXXX on XX/XX/XXXX ; an account with XXXX and XXXX name ( s ) on it. Prior to receiving this information, in XX/XX/XXXX, I submitted a copy of XXXX Death Transcript and the Letters of Administration to identify me as the appointed Administrator of my sisters estate. The facilitation of this process has involved a significant amount of time spent away from work and other necessary affairs. 

XXXX legal address is the same as mine. However, I never received any notification from Chase, informing me of the payment that was disbursed. As a child, she can not withdraw funds on her own. Therefore, I am surprised that such a respected and well-known financial institution as Chase Bank , did not identify or notify XXXX 's legal guardian to properly disburse these funds. As mentioned earlier, I submitted the required paperwork to both entities and I have reached out to Chase Bank on several occasions however, in spite of my best efforts, Chase has not agreed to release these funds. 

The welfare and safety of my niece became of prominent importance to me upon my sisters death. XXXX is a XXXX XXXX XXXX  of XXXX with special needs. Truly a vulnerable individual who could easily be mistreated if sent into the foster care system. XXXX was her only surviving parent and now she is an orphan. As a society, it is not only a duty but also a privilege to protect those who are most vulnerable. Therefore, I implore you to assist in the following : release of the funds by Chase bank to me by a bank check. 


Best regards. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NV
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have been battling with Equifax for months to remove inaccurate information from my report, I sent in my FTC identity theft report, supporting documentation, and consumer statement as required to block said information, which was not blocked in error, and since at least XXXX of 2021 Equifax still continues to report and is violating my consumer rights. Please see attached text for further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
in accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights.15 usc1681 section 602 a : states i have a right to privacy.15usc 1681 section 604 a : also statesa 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