BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 Inquiries in not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-09-13
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$2500.00}

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 2022-01-25
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:
Information on credit report is incorrect. XXXX is not my account, Inquiries are not mines and accounts such as XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX I'm not the primary or responsible for those 3 accounts and need to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
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:
My complaint is in regards to equifax and their inability to resolve my complaints about this account listed on my credit report as acctXXXX. My original complaint dates back to XXXX I request in validation of this account from all three bureaus. XXXX  along with XXXX  deleted this account upon completing their investigation ( proof is attached that reflects deletions ) but equifax hasnt removed the account they verified it as accurate. I was under the impression each agency reports the same information with accuracy. This is a violation to my consumer rights to neglect performing a thoro investigation. Certified mail is very expensive and covid has caused me hardships to the point I could barely afford it please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: ALLY FINANCIAL INC.
State: NV
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:
XXXX used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed Ally Auto to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. XXXX also stated in another document that this was not being reported on my credit history. They lied.

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 2021-11-05
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I reached out to IQ Data International and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2023 I received in the mail a prepaid card with my XXXX XXXX XXXX sons name on it. Mailed to our home. The company was Netspend. I called the customer service of this company to close the account and find out how they received my minor childs name and address. To which I was told they needed to speak with the account holder. My XXXX  son. I told her that she would not be speaking with him. That he was a minor child. That I am his guardian. I gave the customer service representative my name and address. As well as the card number to verify who I was. And reiterated that I did not order a card in his name. She refused to close the account without speaking with him. Stating that they have many minors with accounts. That I needed to check things on my end because someone ordered this card for him. I became very upset at this point. Telling her that obviously someone ordered this card and I wanted to know what information they had and how they obtained it. She then again refused my request without first speaking to my XXXX XXXX XXXX son whom she referred to as the account holder. I then asked to speak with a supervisor. I was placed on hold for forty minutes. Then transferred back to the automated menu options. Still with no answers as to how they received my sons information or what personal information they had about him. I have also sent an email to their customer service.

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 2022-09-13
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states that a consumer reporting agency can no 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 explanation
Consumer complaint received 2019-04-16
Company: Bass & Associates, P.C., Attorneys at Law
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Filed Complaint Case-XXXX on XX/XX/XXXX with the Omsbudmen. Got an email from XXXX saying Bass & Associates mailed a response XX/XX/XXXX. I waited for it and it was never received. I emailed XXXX to request a copy on XX/XX/XXXX. Emails to Bass are not returned. Phone calls never connect after an hour of holding. They have my contact information and have never contacted me. Even if they did, I would not be able to get through to them. And this complaint was marked as resolved. It is not resolved. It has been 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have called the credit bureaus to remove hard inquiries on my report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Porsche Financial Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Bentley Financial Services sent an adverse action letter in the mail stating why I was allegedly denied an extension of my own credit. 
When we tried to talk to the Finance Manager and the other Woman who initially took the information for processing We forgot her name, she was irrelevant anyway. 

XXXX XXXX XXXX or Bentley XXXX XXXX cars is a high end Car Dealer located in or near XXXX Ca XXXXWe are XXXX  People so just really trying to get service in this place is a joke, In this area they really look down on XXXX People mostly because they have most of us Stereotypically some sort of way figured out.Welcome to the XXXX XXXX California XXXX 

Back to the Finance Manager would not discuss the Truth in Lending aspect of the deal with us. We always record our communications by the way!!! 
When asked and told that We could not not be denied Credit because We are the credit We lost him, literally he hung up. 

According to theTruth and Lending act USC 15 USC 1602 the term credit card is your SSN number, 12 U.S 1431 Banks dont have any Lending power. 12 CFR Part 1002 Equal Credit Oppurtunity Act ( Regulation B ) The Term Credit Worthiness applies to Businness and Financial Institutions. Not to Natural Man or Woman.

15 U.S Code 1691 section A states it is Unlawful to be denied an extension of your own Credit, based on DISCRIMINITORY ACTIONS. 

We can be denied our own credit but that is considerd unlawfull.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$360.00}

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 2022-08-25
Company: Holloway Credit Solutions
State: AL
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:
The credit bureaus stated that my accounts were properly investigated which is not the case the open date is inaccurate, the date last active is inaccurate, and last date reported is inaccurate. 
violation of the fair debt collection practices act violation of fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CASHCALL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX 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.

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 2021-07-28
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to 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 2021-06-26
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.C. Systems Inc. ( 3rd party collections for XXXX XXXX ) is in violation of the FCRA regarding this account of {$470.00} by attempting to collect on a debt older than allowable years for reporting amongst other violations : I am requesting assistance in having it cleared from XXXX in specific. This account was removed from XXXX and XXXX for FCRA violation ; the same as I'm requesting it be in this instance. 
I have disputed through the online dispute option. The dates being represented are misleading as to origination of the debt 's dates. 
Also, the debt 's time within a third party collection cycle has negatively impacted my credit for longer than the " reasonably stipulated '' penalty timing/ phase on a 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 2019-11-02
Company: Telsa Motors Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that TESLA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Account information incorrect

Complaint:
XXXX XXXX is showing up on my credit report as they loaned me XXXX dollars. I never applied for this and I keep calling the credit bureau to get this disputed or removed and I can not get any solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
Disputed the inaccurate information and the credit reporting agencies has failed to comply and correct the status of my consumer report. As this is a direct violation of 15 U.S code 1611 willfully and knowingly reporting inaccurate information damaging the credit worthiness of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: LA
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 current address, employer, and name are wrong and showing multiple names and address on my credit reports. Have tried to remove them but no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was a victim of identity theft and filled several documents with Transunion reporting agency. I filled an FTC report. An affidavit, an FTC complaint number, along with two from of Identification and the items i were disputing. According to FCRA 605B the items listed on the affidavit and ftc report should be block within 4 business days of receipt. I spoke with XXXX XXXX, a supervisor at Transunion. He works in the fraud dept/special handlings. And he informed me that Transunion does follow the FCRA but would not block the items because it takes 30 days. After telling him the the FCRA section 605B states identity theft items should be blocked within 4 business days, he insisted that he would not block them and it would take 30 days. I told him that i contacted the creditors and they told me to follow this process. He insisted that it takes 30 days and began to become very irate and rude. I asked him does the FCRA state that if its identity theft and the constituent elements above are included in a dispute that the items would be blocked in 4 days. He keep telling me that he would not comment on that and hung the phone up. 

XXXX  XXXX is not following the law he claims to be following and he was very rude and unprofessional with me. I was very polite on the call. XXXX  XXXX was not.

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