BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and # XXXX XXXX XXXX XXXX has violated my rights. 

According to the laws : 15 U.S.C 1681 section 602A states that I have the right to privacy. Also 15 U.S.C 1681 section 602A section 2, states a consumer reporting agency can not furnish an account without my written instructions or 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 2020-07-17
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX bought my defaulted loan from Santander. The Statute of limitations in Florida is 5 years. The loan was sold to XXXX XX/XX/2015. XXXX refuses to take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Experian Information Solutions Inc.
State: TN
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:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.

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 2021-10-05
Company: Experian Information Solutions Inc.
State: SC
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 been disputing several inaccuracies on my credit report with Experian over the past year at least with little to no cooperation from Experian. The most recent of which was signed for and received by Experian on XX/XX/2021. That letter requested that Experian either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for Experian to either properly verify or remove these items, as of today, Experian is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, Experian responds with a slight change and verified as the result. 

This willful neglect for the law by Experian has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against Experian for their blatant refusal to delete information that they are reporting that can not be verified properly by Experian. 

I want these negative items removed immediately as I have given Experian more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded 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 2021-10-05
Company: EQUIFAX, INC.
State: SC
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 been disputing several inaccuracies on my credit report with Equifax over the past year at least with little to no cooperation from Equifax. The most recent of which was signed for and received by Equifax on XX/XX/2021. That letter requested that Equifax either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for Equifax to either properly verify or remove these items, as of today, Equifax is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, Equifax responds with a slight change and verified as the result. 

This willful neglect for the law by Equifax has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against Equifax for their blatant refusal to delete information that they are reporting that can not be verified properly by Equifax. 

I want these negative items removed immediately as I have given Equifax more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CADENCE BANCORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character! 
Which I remind is you will not be difficult to prove in a court of law. 
1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement ( copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me ( I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ). 

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681! 

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation! 
So please resolve this ASAP or I will seek litigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XXXXXX/XX/XXXX I disputed the debts listed on the End of Lease Liability Statement through priority mail for Account XXXX XXXX XXXX for the following reasons : The Itemized Wear and Use section on page 2 of the End of Lease Liability Statement had several problems. One, it does not indicate tire problems that are listed as chargeable use in the list Nissan Motor Acceptance Corporation lists. I am including a copy of the list here but it clearly states that the tread on the tires must be less than of an inch. The depth of the tread is not reported on the bill. Moreover, the list states that the scratch on the wheel cap must be longer than six inches. There is no report of how long these alleged scratches are in the itemization. 

Two, the portion about a cracked rear lamp is false. When my daughter returned the car, someone named XXXX XXXX inspected it with her and walked around the car. There was no mention of a cracked rear lamp in the report from the turning in of the car. If this was not a pre-return inspection then that was not made clear to me. 

If there are broken lights, scratches or worn tread, I dont know if such wear was sustained after we surrendered the car on XX/XX/XXXX. None of the time and location-stamped pictures we took of the car on the lot when it was returned on XX/XX/XXXX show any cracks. 

The total of these false charges is {$670.00}. That entire amount is disputed. 

Third, the disposition fee of {$390.00} and the disposition fee tax of {$25.00} are also disputed as I tried to renegotiate the lease and was rebuffed several times and was told I would have to pay {$470.00} per month to lease the car. My offer to continue leasing at the same price was rejected by the XXXX XXXX XXXX in XXXX XXXX, Connecticut. If Nissan is not willing to work with me then I cant renew. 

I enclosed money order number XXXX for {$640.00} for the property taxes. In accepting this {$640.00}, my letter made clear that by accepting the money, NMAC agreed to waive the rest of the bill because the debts are not valid. 

I told NMAC that if they didnt accept this offer, to please send the money order back and we would resolve this through the courts. Copies of the payment and the letter are being attached to this complaint. 

I received notice that NMAC accepted the offer and the final payment of {$640.00} for the entire debt. Collection efforts should cease and I should have a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Upstart Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose my consumer report was accessed for promotional purposes without my knowledge by UPSTART NETWORK INC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have sent a communication to the responsible party which I will be attaching to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Mesa Auto Finance, LLC
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: Investigation took more than 30 days

Complaint:
i filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and i have yet to received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/- opened a collection. 
Account -- N/A stating that I owe {$460.00} I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 




I do not owe this debt to this collector and have not written consent. 
Please remove collection from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Sure stay by XXXX XXXX was to be taking out XX/XX/2022 for two transactions total XXXX but XXXX $ to be released on XX/XX/2022 at check out. XXXX XXXX was booked XX/XX/2022 at XXXX XXXX but not showing on my account and they charged my girlfriend XXXX XXXX Chime. XX/XX/2022 I look my Chime account is over {$200.00} negative but my XXXX  is XXXX XXXX Then Chime removed some transactions from my account that I can prove was paid on a day thats not showing and money was not sent in the day Chime has listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in a XXXX request to have my PMI removed at the end of XXXX to JP Morgan Chase. I called to make a payment for this request over the phone on XX/XX/22 and was told this payment was linked to my request. I called again on XX/XX/22 since I had not received a call from an appraiser and was told my request had not been put in. I was then told that my request would be escalated and was given a confirmation #. I received a letter from Chase on XX/XX/22 stating my request had been received and if I did not receive call in 7 days to call Chase. I did not receive a call in 7 days and called again on XX/XX/22 and was told my request was never escalated despite my confirmation #. I was told it would again be escalated and that the agent would contact me in 2 business days by XX/XX/22 after reaching out to the processor on the case. I have still not received a call from an appraiser or the agent on the case and she would not provide me with any contact information for the processor of the case or anyone else involved in the case such as the vendor for the appraisal or the company who handles the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: PA
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 cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im 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 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2019-06-06
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I maintained a Premiere Money Market Account with PNC. I was charged a {$12.00} service fee on XX/XX/19 and XX/XX/19 ( monthly service fee ). I had previously ( many years ) never been charged a service fee. I called PNC to dispute the service fee and was told that it was due to my account balance being below {$5000.00}. I informed the representative that the fee was never previously charged and that it had not been disclosed to me. 

It does not seem right to me that I was charged the {$12.00} monthly fee beginning in XX/XX/2019 with no disclosure to me that the fee would be charged. Additionally, PNC was paying me XXXX XXXX ( XXXX XXXX ) in monthly interest ( very low interest rate for a Premiere Money Market account ) while collecting {$12.00} via monthly service fee. This seems like stealing to me. Had I not noticed the fee, eventually my Premiere Money Market funds would have been exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have a common name and was told by trXXXX XXXX and XXXX  that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-10-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo attempted to open an account in my name. 

I received a letter in the mail with the subject " your recent online application '' dated XX/XX/2021 and received on XX/XX/2021. 

I never applied for an account. I previously froze my credit at all three bureaus to prevent fraud. 

The letter stated " we were unable to open an account based on the information you provided in your online application '' and prompted me to go to a branch to open it in person. 

Wells Fargo has a history of opening accounts without their customers ' permission. 
The letter seems to be an automated response for them attempting to open an account in my name and having failed.

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