BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC I NEVER gave Experian Prosper any written instruction to furnish any information on my consumer report. Because you have furnished information without my permission, You both are in violation of 15 USC 1681b. Consumer Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices .Never gave any company permission to share any of my personal transactions to try to extend credit or pull my credit 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 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2021-05-03
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
I have an account with westlake financial services.it is an auto loan account and during corona virus, my account was reported as late in XXXX and XXXX. I was told to stop working at my job because covid happened and i have my letter to that effect. Before covid i had never missed a payment and i havent missed any payment since i resumed back in XXXX. 

I have tried to reach out to westlake financial several times but the agents put me on a hold for hours and cut the calls off without a call back. 

I just want the late payment report removed for XXXX and 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 2023-06-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: MD
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 submitted disputes to Experian, XXXX, and XXXX for the past several months, nine months, to be exact regarding the inaccurate late payment reporting on my credit report from XXXX  XXXX XXXX. I have also ask for the method of investigation which all three credit bureaus have failed to provide me with the requested information. 

There is no notice of dispute annotated on my credit report stating that I have submitted a dispute for the XXXX XXXX XXXX account. According to 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute Well, there is no notice of dispute noted on my credit report for that XXXX XXXX XXXX account. 

Therefore, my consumer rights under the FCRA has been clearly violated since the FCRA clearly state that a notice of dispute must be provided. 

In addition, I am providing a copy of attached screenshots showing where Experian, XXXX, and XXXX have receive my dispute letters and claimed the account came back verified but yet my credit report do not show where I have been disputing this account for months. 

Also, Experian, XXXX, and XXXX have failed to ensure maximum accuracy which is also a violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy because how is it that Experian and XXXX are reporting a 30 day late payment but XXXX is reporting a 60 day late payment for the same account during the same timeframe, XXXX of 2021. It's impossible for the same account to report different status which is inaccurate reporting. 

Therefore, according to 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete I expect for the inaccurate late payment that's reporting on my credit report from XXXX  XXXX XXXX be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.

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 2019-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was contacted by someone whom at the time pretended to be a XXXX representative, soliciting part time jobs as a mystery shopper. I expressed interest and a few days later a envelope arrived at my residence with a money order for {$1000.00} and a document with instructions. 
The instructions explained that I was to cash the money order at my bank and using the cash, purchase {$800.00} worth of XXXX gift cards. Then photograph these cards, and text them to a number provided. Fill out a VERY brief summary of experience and that was it. 

So I did so. Then the following day I received another envelope with 3 more money orders. The same instructions were enclosed. I went to cash the money orders and the teller at the bank explained that they were fraudulent. At that time I realized what had occurred. My bank account deducted {$1000.00} from my checking account when the money order came back invalid. 

I was shocked it was able to be cashed in the first place and explained that they should be responsible considering they failed to acknowledge the first fraudulent money order. 
I have been on the phone with them for days and they have refused to help financially. They have also been unusually rude and have had to deal with numerous failed attempts to even speak with someone about this. 

If someone can help, please reach out! 

Sincerely, 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 2017-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit file was compromised in the XXXX Equifax breach. I have been unable to freeze the file online and Equifax has not responded to my mailed in request for a freeze. I want to be sure that the report is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: MS
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 and Transunion are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2023-03-02
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
n 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 U.S.C 1681. XXXX XXXX : XXXX 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 know or has reasonable cause to believe that the information is inaccurate.

After I submitted this initial report the account mentioned above has now added an additional late payment. So now I have two late payments on this account when the account was closed in XXXX. Chrysler Capital did not process my refinanced check in a timely manner and now they are acting with malicious intent by adding an erroneous late payment. Further more, all investigations into this account have proven that this information is inaccurate. Chrysler Capital did not add my refinanced payment to my account and this resulted with my account being flagged as late because Chrysler capital 's inability to process refinanced checks in a timely fashion. This is has caused unrelenting stress upon myself and my family and has caused great turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: KY
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:
XXXXXXXX XXXX  states that I owe them {$130.00} from a closed credit card account that I never opened and has reported for the past year that I have not made a payment on the account. 
XXXXXXXX XXXX stated that on XX/XX/XXXX I opened a account for a secured card in the amount of {$300.00} at a address in which I never lived. They closed the account on XX/XX/XXXX after showing the account in good standing for a few months. This account was opened fraudulently by someone other than myself. Account number begins # XXXX I asked if XXXXXXXX XXXX could please send me a debt validation letter and they never have and Ive been asking them for the past year.

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 2019-10-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are five closed accounts from XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It's being more than 30 days and the creditor has not updated the information nor has provided proof or documentation regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation by failing to do so the item must be deleted from the report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.

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 2021-02-25
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, I have contacted you several times ; my first attempt being XX/XX/2020. 

I asked that you reinvestigate or delete disputes from my credit report. 

I have submitted a complaint where, you stated I was reaching out from a third party. This is to insure you that there is no third party submitting the complaint. 

I have yet to hear back from you, it has been longer than the thirty 30 day time frame. You have not complied with the law and responded to my initial letter on XX/XX/2020. 

I am demanding that the dispute is removed from my credit immediately, or I will unfortunately have to contact Federal Trade Commission about you lack to comply with consumer protection laws. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$180.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$640.00} Reported balance This is NOT my account. This account belongs solely to XXXX XXXX, XXXX. 
I have addressed this issue with all 3 credit bureaus and would like the information 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 2018-07-24
Company: EQUIFAX, 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:
On XX/XX/2018 I pulled my credit report from credit check total. To my surprise I stumbled upon 3 Bankruptcy Accounts reporting in public records. So I wrote a letter to the Bankruptcy Court In Illnois informing them of the inaccuracies of these accounts reporting on my credit file. And on XX/XX/2018 The Bankruptcy Court Of Illnois informed me that they do not provide information to the credit bureaus. So on XX/XX/2018 I wrote to all three credit bureaus informing them of the letter I received from the Bankruptcy court of Illnois stating they do not furnish information to none of the three 3 credit bureaus. And on XX/XX/2018 XXXX removed all 3 Bankruptcy accounts from my credit file. I recently checked my credit file an seen that Equifax had removed the Bankruptcy from my credit file between XX/XX/2018 and XX/XX/2018. And then Equifax added the bankruptcy back to my credit file between XX/XX/2018 and XX/XX/2018. In  accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify e in writing within 5 business days. I received no notification. This is a very serious violation for Equifax. XXXX have yet to respond to my letter I sent certified mail on XX/XX/2018 in which certified mail states they received my letter XX/XX/2018. I herby demand that you immediately delete the items from my credit report. Bankruptcy Reference # XXXX Bankruptcy # XXXX Bankruptcy # XXXX

Company response to consumer: Closed with explanation