BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: UT
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 is making updates on an account that his been paid and closed for years!! Updating after an account has been paid and closed is a clear violation. This account has never been touched nor disputed and I don't know why after so many years, they are making updates! They are making violation updates and affecting my credit file. This accounts needs to removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX  : Acct # XXXX, XXXXXXXX XXXX XXXXXXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX have 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 : States a consumer reporting agency can not furnish an 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 ) : States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

After filing complaint, there was no follow up from the companies. However it was noted on my report that the consumer disputes the account ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: AL
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 explanation
Consumer complaint received 2022-01-16
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documentation on this account or remove it from my credit report. Falure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I Will be seeking up to {$5000.00} in damages lo 1 ) Detamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
As I can see the account was close since XXXX I paid full balance in XXXX but base on law if account is close ITS ILLEGAL TO REPORT ACCOUNT OPEN AS OF XX/XX/XXXX BECAUSE ITS PAID IN FULL AND NOT OPEN PLEASE REMOVE ASAP FROM ALL XXXX CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
JPMCB CARD - There are multiple errors in the listing that are damaging to me including high credit, date last of activity and a date of last payment. Please update for lawful accuracy or delete immediately.

JPMCB CARD - This company has illegally re-aged this account. Please investigate thoroughly and update for lawful accuracy.

JPMCB CARD - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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 submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the 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 non-monetary relief
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
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: Public record information inaccurate

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent a letter to Experian asking how they verified the bankruptcy on my report no response. On XX/XX/2021 got a letter from Experian saying they would not reinvestigate unless I sent in additional relevant information. On XX/XX/2021 I sent a letter saying if you verified it with XXXX I dont see how because I attached a letter from XXXX XXXX XX/XX/2021 showing bankruptcy XXXX was removed from my report. On XX/XX/2021 I sent another letter requesting Experian to remove the bankruptcy with the attached letter from XXXX. This bankruptcy has been disputed XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. Experian keeps coming back saying it was verified with XXXX every time it has been disputed. I have got it removed from XXXX and working on XXXX. Experian now wants a full copy of the report showing that its not on my XXXX report which is at least XXXX pages long. I was told by XXXX that once it is removed they have no way of showing it on there then be removed.

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 2023-09-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX XXXX  # XXXX, # XXXX AS well as the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has violated my rights 15 USC 1681 602 A states I have a right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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:
See Attachment I have Disputed the inaccurate information with XXXX, EQUIFAX, XXXX and they have failed to uphold their duty. 
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.

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 2023-09-13
Company: EQUIFAX, INC.
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:
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.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been billed {$50.00} late payments every month from Wells Fargo, from 2020 until my current statement. I have called several times about the {$50.00} late fee. I was late one time that was back in 2020 after covid. I have never been late since. I do not get a late fee according to them until after 15 days from the due date. Wells Fargo claims that is how there billing statements are setup. They are lying and Ive been charged every month on my statement {$50.00}. I have proof of the statement.

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 2022-05-26
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A COMPLIANT REGARDING A XXXX .... BECAUSE TRANSUNION IS SHOWING A BALANCE OF {$1200.00} AND THAT CARD HAS BEEN CLOSED FOR SEVERAL YEARS WITH A {$0.00} BALANCE.

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 2023-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I changed my password for online banking a couple of days ago and now im not being abble to access to my online banking, I called customer service and they said that my account need to " cool down '' to be abble to access. 
I made this change on the branch located on XXXX XXXX XXXX, XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 




I have asked them repeatedly to come get the vehicle, and they refuse, I was told the vehicle was not worth repo due to the value versus the loan. They are reporting this account as negative and it has affected my credit. I always get the run around, I have repeatedly called and all they try to do is have someone repossess the vehicle when I have voluntarily offered to surrender it in exchange to have the negative reporting stopped. They have damaged my credit, and are not willing to work with me whatsoever.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
Despite my consistent track record of making timely payments, I am distressed to find that the credit bureau is reporting me as being late. I would like to emphasize that I have never been late on these accounts, and I urge the bureau to commence an investigation to rectify this inaccurate reporting promptly.

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 2022-01-16
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX Original creditoXXXX XXXX OpenedXX/XX/XXXX, XXXX ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  Latest fraudulent account posted on my credit file.

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 2023-02-08
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had several overdraft fees, unknown fees and shut down of my account with my money being in the account.

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 2023-04-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Customer Support Team, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake and that I have not violated any PayPal policy. 

As a PayPal user for several years, I have always conducted my transactions with utmost honesty and integrity. Therefore, it came as a shock to me when my account was permanently limited without any warning or explanation. 

I would like to request PayPal to re-investigate my case and restore my account if possible. I understand that there may have been some misunderstanding or miscommunication, and I am willing to cooperate fully with PayPal to resolve any issues or concerns. 

I am confident that upon reviewing my account, PayPal will find no evidence of any violation of their policies or terms of service. I believe that my account was flagged in error, and I am eager to have my account reinstated as soon as possible. 

For your reference, the email address on my PayPal account is XXXX. I kindly request that you keep me updated on the progress of my case and provide me with any additional information or documentation that may be required. 

Thank you for your attention to this matter. I appreciate your time and consideration and look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: ID
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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