BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
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: Account information incorrect

Complaint:
On XXXX XXXX I sent letters regarding in accuracy and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute section 611 ( a is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you calls me. My information was also impacted by the echo effect data breach and may have got into the hands of the wrong person.. 

I feel that these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and XXXX  XXXX XXXX  because to my knowledge. I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly you all are ignoring me. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ). It is plainly stated that XXXX to investigate these accounts within 30 days gives a reason to immediately remove these items from my credit report has been 50 days so they should deleted prompt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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 a victim of identity theft and it is effecting my livelihood my family will be homeless soon do to fraudulent information/ inaccurate on my file this is destroying my life Im under a lot of pressure with few to no options running out of time please investigate and remove inaccurate info Hard Inquiries XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXXL Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX Collections XXXX XXXX Reported : XX/XX/XXXX + {$350.00}

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 inquiries. 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 non-monetary relief
Consumer complaint received 2022-11-05
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have paid the company! I have sent several letters requesting verification, but there has been no response.

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 2023-07-12
Company: Experian Information Solutions 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2017-12-16
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Hello I am writing because I would like help in this situation. 

On XXXX XXXX, XXXX I took out an auto loan with XXXX XXXX Bank and the next thing I know I received a letter stating my loan was sold to Santander XXXX XXXX on XXXX XXXX, XXXX. 

I have been scammed by XXXX Dealership located XXXX XXXX XXXX XXXX XXXX, CT XXXX. First they sell me a XXXX XXXX XXXX rental car for {$37000.00} then they gave fraudulant income information to XXXX XXXX Bank. Then Santander buy the loan and charging me a cash selling price of {$22000.00} plus interest.every month at different rates. And I am confused as to how they can do this. 

When I signed the contract with XXXX XXXX Bank the total sale price is {$37000.00} which was all addition added to the sale of the car. Which is XXXX of the many reason I sued the dealership for their role in this unfair dealing with consumers. 

once my loan was sold and I became aware of the deceptive practices of the dealer i contacted Santander to make them aware of this scam we was in. I then requested all document containing to this loan transfer and asked What made them give me a loan. That is when I discovered XXXX gave them false information at that point I informed Santander of XXXX deception and demanded an investigation which never happen. But they did send me a retail contract and no other document showing my loan transfer information. 

At the time of my contact with Santander I was in the process of suing dealership so I was n't sure exactly how XXXX case was going to end. So once I won case against them I did not know at the time that finance loan companies are just as responsible for this happening to a XXXX mother of XXXX. 

Again, if XXXX XXXX Bank would have done the proper documentation they would have know that I am a mother of XXXX with no job collecting social security XXXX since XXXX. But they did n't which violate the True and Lending Act. If this company would have properly checked my credit they would not have offered me a loan for such a large amount. So I blame the auto loan company and dealership for this happening to me. I would have rather been denied a loan then to be in debt for over {$32000.00}. Due to these business violating there responsibility of the law. All I wanted and believed was they was being honest to me about the financing of the car. 

Then once santander took over loan a new set of problems came. meaning the high interest monthly. it did n't bring the total down i could n't get answers as to how they took over my loan. 

So at this point i feel like Santander, XXXX XXXX Bank and dealership are responsible for breaking laws against me. 

I think our contract was breach due to negligence on behalf of all companies named above. 
I just want to be put back in the same position before I met these companies. With no debt and little money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as Wells Fargo the current holder of the 40 year fix, XXXX XXXX, and XXXX, to refinance the 40 year fix into a VA 15 year fix or 30 year fix Wells Fargo, called me and stated they where not refinancing veterans conventional loans to a VA guarantee loans. Wells Fargo stated they were only refinancing VA guarantee loan " XXXX '' or veterans who are purchasing for the first time. 

I had a mortgage company pull my credit rating this week, and received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 

I contacted the Department of Veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated Wells Fargo was in violation of VA policies and that their action could violate their VA venders status. 

She suggested I contact Wells Fargo and conduct a three way  conversation with the VA to resolve the issue. I contacted Wells Fargo and they refuse to conduct the telephone conference and go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies. I am also filling a complaint against two other banking institutions for the same reasoning. The other two banking institutions are 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 2020-12-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/2020 a XXXX  payment was made to XXXX, little did we know that this would be a scammer but once we found out we went to the bank immediately and reported it. But Chase was unable to assist us, when I place my money in the bank I am expecting 100000 % security that if something goes wrong they have my full support if not dont provide me a service that doesn't guarentee protection. I called XXXX and they are investigating but Chase couldn't do anything for fraud on my account. {$500.00} lost my husband unemployed due to Covid and I can't afford lost money. I find this to be unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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:
I reached out to Experian about several inaccurate late payments that were reporting on my consumer report on XX/XX/XXXX there where 4 on my report, according to 15 USC 1681A ( 2 ) ( a ) ( i ) It states *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report and so they deleted them and updated my consumer report on the XX/XX/XXXX because I had gotten an alert my score went up XXXX points then today they put them back on I think its because I filed a complaint with you guys about them not updating the other disputes about the fraudulent inquiries that they refuse to correct all Im asking is for them to follow the laws in place consumer laws that is there taking this personal all my disputes are valid and within the law its nothing Im making up I just studied my consumer laws and I have the right to dispute inaccurate information that they are choosing to report XXXX XXXX Account XXXX XXXX | Date opened : XX/XX/XXXX, XXXX Late Payment Reported XX/XX/XXXX, XX/XX/XXXX XXXX XXXX| # XXXX Date Opened : XX/XX/XXXX | Late Payment Reported : XXXX XXXX XXXX XXXX  | Account # : XXXX Late Payment Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX | Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/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 2019-01-08
Company: Ascendium Education Group
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: Account status incorrect

Complaint:
ASCENDIUM EDUCATION / XXXX XXXX XXXX WENT ON MY XXXX AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''XXXX  '' XXXX XXXX..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland Credit Management has much of our old credit card debt. I am an XXXX survivor with XXXX and sadly had to stop working after I ended up in a XXXX   program for a major setback due to a triggering event at work regarding a member of the management team being arrested for XXXX XXXX  XXXX  of XXXX  and yet still being allowed to work at the same establishment. 

In the last few years, we have sent countless letters sent by standard mail, certified mail, email and have had direct phone conversations with Midland Credit Management explaining that the only income acquired is our SSDI ( XXXX ) and that we can not pay the debt. 

Despite us following their instructions completely for the last two years, they have kept calling, sending letters and summoning us to court. As both my husband I and suffer extreme XXXX and XXXX  XXXX  this is adding quite a bit more to the already fragile situation we live in. 

We sent the documentation to the court and they do acknowledge that as SSDI recipients they can't collect, but the company does not stop the attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a previous dispute ( XXXX ) about a debt that appeared on my credit report at Trans Union and the other credit reporting agencies. The debt collector is XXXX, XXXX in the amount of {$650.00}. Trans Union stated in their response that I would receive information via US mail about this debt and their actions but I have not received anything from them. I have no idea where this came from and it may be related to another debt collection that arose apparently through identity theft. Idispute this debt and ask that it be removed from my credit report. I have received zero information from the debt collector 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 non-monetary relief
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have tried to submit a dispute through XXXX  for incorrect spelling of my name. I was unable to submit a dispute online.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I asked Transunion when an adverse account showing a payment delinquency would be taken off my credit report since it is hurting my credit score significantly. ( this is a chase mortgage which was late 120 days on XXXX, XXXX. I received a file number XXXX and simply asked in a dispute when it would be taken off. I was told on XX/XX/XXXX this adverse account would be removed because it would be 7 years after it was first recorded. I first when online to make this dispute or request for information and did not receive an answer. I then contacted Transunion on XX/XX/XXXX and spoke with a rep at XXXX who told me it would be taken off XX/XX/XXXX when the first report of a 120 day delinquency was recorded. In XX/XX/XXXX It was not removed. I then resubmitted the dispute online at Transunion/dispute web site on Mon. XX/XX/XXXX and received an update today XX/XX/XXXX with no information as to when the delinquency would be removed. I then called XXXX and asked the rep when it would be taken off ( the delinquency has already been removed from my other reports on XXXX  and XXXX  ). I was told to call the XXXX Credit Bureau which handled my mortgage at XXXX. I spoke with a chase representative who told me it is handled by Transunion and not them. I called Transunion back and they resubmitted a dispute and I would not get an answer until XX/XX/XXXX. I called Transunion again, not satisfied with the answer and the rep told me it would be taken off XX/XX/XXXX. I am getting the run around and these people at Transunion appear to not know what they are talking about. To sum this up : I first went online in XX/XX/XXXX. I was initially given no response to my question of when this adverse account would be taken off. Next, in XX/XX/XXXX I was told by a rep it would be removed XX/XX/XXXX 7 years after it was first reported. Today, Thursday XXXX XXXX, XXXX I am being told that it would be removed XX/XX/XXXX ; Then again, I was told I would have to wait for the answer on XX/XX/XXXX because the dispute was resubmitted. The bottom line is I was iniitally told after 7 years it would be removed. It has been 7 years and has not been removed and I am getting the run-around. I can not get a simple answer to a simple question. The other credit reporting agencies have removed this delinquent account after 7 years ; why is Transunion being so obstinate? Please help me. Something that should be removed from my credit report after all these years is still there and greatly hurting my credit score. 

thank you 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 2020-09-17
Company: CITIBANK, N.A.
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:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation