BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

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 2023-12-09
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Can not access account as it was closed. Since a new account was created, I can not access XXXX XXXX information or any previous account information so as to pay my bills, receive deposits. XXXX is frozen to me since I am not first name on account held as as shared account -- my husband is listed as primary. He died, so I can not access his, mine, and our accounts. Legally married since XXXX XXXX, XXXX, with proof of marriage license. This money is mine since he is deceased all monies and access of accounts are mine. XXXX XXXX caused the account to be closed and a new account established. I am no longer able to access the account to pay bills or receive auto. deposits from Social Security, XXXX, any money coming to me. I can not receive Government deposits to the new account. The original account will not be carried over to the new account. My bills are going into collection and my income is not coming in it is being bounced out and the SDCCU is not allowing those deposits into the new account. BAD ENOUGH THAT MY HUSBAND OF XXXX XXXX IS DEAD, I CAN NOT USE MY MONEY! WHERE IS IT GOING! THIS HAS TO BE A CRIME. I am desperate to get this resolved. Please, please, please help me access SAN DIEGO COUNTY CREDIT UNION -- my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX IS REPORTING AN ACCOUNT AS COLLECTIONS TO MY CREDIT REPORT BUT IT IS NOT MY ACCOUNT. IT IS A RESULT OF IDENTITY THEFT. PLEASE HAVE XXXX XXXX REMOVE IT FROM MY CREDIT REPORT AND DO AN INVESTIGATION I HAVE SUBMITTED ALL REQUIRED DOCUMENTS

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XXXX XXXX Ive submitted letters to the credit bureaus to provide me with verification of the accounts in question ( XXXX, XXXX XXXX ), which they have failed to provide me with any information. 
On XXXX XXXX Ive submitted letters to Transunion to remove all unrecognizable hard inquiries that I have no knowledge of and to provide me with any information of my consent to these accounts.Theyve yet to provide me with information on the accounts.

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 2022-10-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked this company to investigate these accounts and send me all documents /invoices originals so that I can see what I need to do next. Of course, they did the opposite

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase has out of the blue decided to restrict my account. I am student and have XXXX  to my name. My rent was due today and because of this my landlord has decided to kick me out., chase has said that they WILL close in account in 10 business days and will send me a check after that : while all this goes on, I am homeless in a different county with no money and nothing to eat. Its very distressful and I am having XXXX XXXX because of this behavior of chase. If you can help ; please help I I have no option but to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX. In XX/XX/XXXX, I was hit from behind and my truck was totaled. I have GAP insurance. XXXX paid the claim and XXXX has been coming after me for the balance even though I have GAP insurance. They call several times per day to harass me. After being called treated like a liar and thief, I got the GAP insurance on the phone with XXXX XXXX  and supposedly everything was resolved. XXXX XXXX was to send the requested information GAP was requesting and they would be able to pay the claim. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. NO WAY!!!! How is it possible that GAP did not fill the gap? I believe that XXXX XXXX  purposely did not provide GAP Insurance with the requested information, so that they could continue to add interest and thus charge me. By the way, I paid GAP through my finance with XXXX and when it was time to collect, they ( XXXX ) quickly claimed it was a third party and had nothing to do with the company. REALLY??? Anything to XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 KEEP SENDING the disputing letter to Transunion for numerous times, they either respond with no result or nonsense or not respond at all. They have posted negative account on my report and only TRANSUNION IS DOING THAT, I HAVE DISPUTED THIS fraud account directly with Creditor and they have removed it from XXXX  and XXXX  and only Transunion keep reporting account which was not even verified and not confirmed by CRDITOR. 
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have opening case- XXXX This company has not addressed the late fee issue ; instead, they've sent me a new bill with the late fee included. What concerns me is that the same situation, which was supposed to be resolved in the last case, is happening again now. The company assured me over the phone that they would rectify the late fee due to a system mistake, only to charge me again. 

I've lost trust in this company as it seems they are finding excuses to charge customers, possibly because I locked in a low rate and consistently paid my bills on time each month. 

I request assistance in resolving this matter and preventing other customers facing similar issues from experiencing the same. This situation is adversely affecting my credit and consuming valuable time as I have to repeatedly dispute such matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This company has been reporting inaccurate names, phone numbers and addresses on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: Bread Financial Holdings, Inc.
State: AL
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:
Received a notification from XXXX  stating comenitycapital/XXXX, got a copy of my XXXX  credit report and i have no known knowledge of applying for anything with or related to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: DE
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:
Inaccurately reporting my private information is against the law under you and this company needs permissible purpose. Attached is proof of the information being inaccurate.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2020-10-27
Company: Midstate Collection Solutions, Inc.
State: IL
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 noticed on credit report I keep getting the same debt reported it is on my experience account 3 times for XXXX XXXX XXXX. 
I do not owe this amount to XXXX XXXX  of XXXX Il XXXX. 
I am being charged after giving correct amount of days notice before the new lease was signed and date on signed lease is XX/XX/2020 when I was in North Carolina and I have plane tickets to get prove they falsified the document due to I have flight information of being in North Carolina not in XXXX IL AT XXXX XXXX OWNED BY XXXX XXXX I later learned. 
This was built with funding from the state and suppose to be low income housing I do not owe due to giving 60 day notice before the new lease that shouldnt have even taken effect because I had already given 60 day notice to them back in XX/XX/2020 left XX/XX/2020 And paid up for XX/XX/2020 With XXXX deposit on file and then they charged me for carpet cleaning XXXX This is a horrible place to live considering the pushy manager requiring me to sign lease when under distress of being under condition of XXXX  and in process of needing XXXX  XXXX from 2 falls at the building for to ice on wooden stairs at the bottom. 
When I know that you have to give someone the abilty to move if can not get up and down stairs XXXX XXXX  and XXXX XXXX  But still was {$420.00} and will even send you to collections when only on XXXX and no job And unable to keep using stairs due to medical reasons and they are suppose to help low income. What no concerns for residents or the medical health or mental health as harassing me to sign a lease when under stress of decisions of XXXX  XXXX stairs living alone and only laundry on first floor Ridiculous management Even had a maintenance person get arrested on property for assault of a resident while living there over a broken childs toy the maintenance man broke this even made the XXXX XXXX and review newspaper. 
Cops came and arrested him in front of the office he was still there but manager had already left for the day. 
This place may be nice apartment on inside and outside but Management says one thing but does another Asking to sign leases ahead signing wrong date actually falsified information But XXXX just doesnt want to help either even with problems with manager or apartments even though they own it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I used to be a QVC and HSN customer and trusted them on their easy pay plan that is advertised on their website and on tv by every hostess as to having 0 % interest. I didn't realize until today that I was being an outrageous 32 % interest. I called QVC customer service and they transferred me to synchrony bank. When I spoke to XXXX XXXX they said it wasn't them charging the interests, it was QVC, and he transferred me back to the QVC customer service. They, QVC XXXX, said again it wasn't them, that it was XXXX XXXX Regardless of who it is, it is the consumer that is being ripped off. The way it is advertised is not only misleading but fraudulent, they do lead you to believe that if you pay it off within five payments it will be an interest free purchase, but that is completely untrue.

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 2022-10-25
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I paid off this account few days back and I added my payment account and told them to use it as recursive payment. They charged annyal fee of XXXX $ which i dont know since i paid my whole balance.once they called me and said. I need to pay XXXX $ and it is past due. 
I told them you already have my account information to Autopay why did you called me they asked some details I gave them, Then they paid off the balance. Suddenly on my trans union report it says. I missed the payment after few days of payment which reduced my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
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: Information belongs to someone else

Complaint:
I am puzzled as to why your company continues to report errors on my report. 90 days ago I sent in an FTC Report showing my claims along with several documents. I called back to follow up and was told that maybe my documents have gotten misplaced. This is how credit breaches are formed and just recently I found out that my information was leaked in a past breach. This current dispute is being sent to you as an internal dispute and as well as an affidavit. Well this isnt the first time that this has happened to me. Well Im hoping that this is reviewed by a supervisor and not some careless person or robotic computer. I have attached a few documents down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act 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 # 2 states a consumer reporting agency can not furnish my account information without my written consent. 

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been a victim of identity theft.

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 2021-01-26
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXXmy husband called ERC for account XXXX. The letter had a debt from XXXX  or XXXX essentially asking that half be paid to resolve the debt. I have been married for 10 years and the debt is under my maiden name. I have strictly had XXXX on my dad or husbands plan since XXXX grade. At no time have I ever had XXXX or XXXX XXXX. ERC refused to talk to my husband on my behalf. It is absurd and wrong that I have to jump through hurdles on a charge that I have never made. While I understand the need for collections when bills are not paid I also do not understand why they refuse to talk to my husband about this issue. As I have stated previously I certify my consent to talk to my husband directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation