BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
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 name is XXXX XXXX and I want to report an identity theft in my credit report, bad accounts are shown on my credit and damaging my good name, Please help me to remove this accounts from my credit because they are not mine.

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 2017-12-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I 've back and forth with these credit reporting bureaus, and they are just XXXX and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass XXXX I have not been able to achieve or get any promotion due to the false report of my credit files.

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 2020-07-18
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
My identity and credit card information was compromised, and several inquiries and credit accounts were created without my knowledge or consent. I have placed a Fraud alert on my credit profile as of XX/XX/2020, however the following creditors requested hard inquiries for my credit report. Please verify and prove to me that I did in fact apply for credit, or please remove the hard inquiry effective immediately as it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: AZ
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 submitted 2 disputes without any resolution. I am disputing the following companies on my credit report that I do not recognize. 

XXXX XXXX XXXX  I disputed these on XX/XX/XXXX and a 2nd time on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: U.S. BANCORP
State: CA
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 New XXXX XXXX XXXX, Truck in XX/XX/2019. I have a 5 year loan with US Bank. I purchased the vehicle in the state of XXXX, and planned to register the vehicle is XXXX  which is where I resided at the time. However shortly after purchasing the vehicle I decided to move to XXXX. But I didn't register the vehicle in XXXX since I moved to XXXX shortly after. I've attempted to register the vehicle at the XXXX DMV, however I'm not able to because XXXX DMV is asking for a copy of the title from US BANK in order for me to register the vehicle. I've called US BANK for over 3 months asking them to send COPY of title to XXXX DMV so I can register my vehicle. I'm told to have the XXXX   DMV fax over the request for title, and that has been done 4 times already. When I call US BANK to check the status I'm told they put in a request to get the title from XXXX DMV and they will forward it to XXXX DMV however that still has not been done. I called US BANK again on XX/XX/2019 and spoke with an agent and I'm told they don't see anything and they don't know what I'm referring to. I'm told they don't have the title to my vehicle, and they don't know how to fix my situation. Because of this I have been unable to register my vehicle which is increasing my chances on receiving traffic citations. The temporary registration to my vehicle expired XX/XX/2019.

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 2018-08-12
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tried on several attempts to get the company to verify the debt but no response according to the FCRA it gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For almost a year, Transunion has been unable to resolve a system error that has left my credit report permanently frozen. While I requested the initial freeze, Transunion will not lift it no matter how many requests I make. I have contacted Transunion on numerous occasions to life the freeze and the system error is never resolved. I can not lift the freeze via their website ( I have tried to lift it permanently and temporarily ) and I have called several times and been left on hold or transferred each time for up to an hour per call without the issue being resolved. I can not apply for new lines of credit as a result and this is holding up an application to refinance my home loan. Transunion has made absolutely no effort to reconcile this problem.

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 2019-10-03
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX, my vehicle was repossessed by my finance company Santander Consumer USA. They stated that to reinstate the loan and be able to retrieve my vehicle I had to pay {$430.00}. After two weeks, I began to make attempts to payments. One such payment was made via my bill-pay with my bank, XXXX. I was subsequently told that that payment would be " bounced back '' as an account in this status, the only acceptable payments were via a debit card, XXXX or XXXX XXXX. I then scrambled to pay an additional {$1000.00} to replace the {$1000.00} that Santander stated did not count towards the {$4300.00}. I was able to pay the {$1000.00} and when I did so on XX/XX/XXXX, I was told that I had to put a stop payment on the {$1000.00} via my bank. I attempted to do so via XXXX and the payment stated that it was " pending '' however, Santander Consumer USA retained the {$1000.00} in spite of this and therefore retained {$5300.00} before releasing my vehicle. I requested that they return the {$1000.00} as this created a hardship and I would not be able to pay my mortgage as a result of this misinformation. On XX/XX/XXXX, I was to make the XXXX payment on my account and I have not yet heard from Santander as to the status of my request as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX is on my credit report. They have me that I owe them money but I have never had service with them. No bills or anything with this company. None of my addresses have I ever used this cable company or any of their services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: MI
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2019-05-09
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: Personal information incorrect

Complaint:
A different name is report on my credit report. My date of birth is reporting incorrectly. 

XXXX XXXX XX/XX/XXXX Multiple addresses that is not my correct mailing address is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-09-22
Company: Certegy Holdings, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I went to cash a check at XXXX XXXX it said it wouldn't let me so they gave me a number to call. I called the number they asked for my social security number and when I tried to speak it into the phone it put XXXX but the last 4 of my social security number is XXXX I need that to ne corrected as they social security number on file is incorrect and is off one number

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 2023-01-25
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my reports coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and removed any items in my credit record that came about due to an alleged identity theft or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance : {$560.00}

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 non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: NJ
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 Sent my letter off on XX/XX/2022, I told the credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I send out and here is the USPS Tracking # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained thought personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not a proper investigation according to the law. Also every piece of information on those accounts are still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account listed below : Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # 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 2021-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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 contacted XXXX  XXXX and Portfolio Recovery on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX  XXXX and Portfolio Recovery a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to XXXX XXXX and Portfolio Recovery to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and XXXX XXXX and Portfolio Recovery disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX and Portfolio Recovery collection agencies could not provide that information. I want this information removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2019-11-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the account in BMO Harris Bank after receiving the postal flyer of getting a {$700.00} bonus after meeting the 2 conditions : 1. Put {$10000.00} ( already met ) 2. Direct Deposit of {$5000.00} ( already met ) After meeting both the requirements the bank stalled and keep on saying that call us after 120 days, and post 120 days they told me that I don't qualify for this promotion as i had the account previously and it is for only new customers. 
When i went to the bank the banker already saw this and still insisted me to open the account and told me that i will qualify for this promotion and it doesnt matter if you have the account earlier asked to open the account and now they are not honoring this. 

I really felt cheated and want this to resolved and need my promotion to be paid. 
Need your help on the same. 
Account Numbers Saving- XXXX Checking- 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 monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MA
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 was trying to buy a home to better me and my families lives and i realized there were some damages on my credit report. I have already been in breaches and I thought you all were going to protect my information. This is a defamation of character because it is affecting my livelihood. Now me and my family are being negatively impacted which is affecting my emotional and mental state. 

According to- 15 U.S.C & 1681 you guys have broken the law because these damages are definitely fraud and I am trying to move forward.

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 2018-12-06
Company: TD BANK US HOLDING COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a charge on my card on XX/XX/XXXX to XXXX 's XXXX XXXX XXXX for {$130.00}. My son was at the bar and they asked for a card to run an on going tab. The bartender threw my son out as he was joking with some girls and the bartender did not like his actions. My son paid his tab in cash and left the bar. There were still 2 of his friends at the bar and the bartender told them he was going to fix my son and put through a bill on my credit card for the {$130.00}. I never signed for this voucher and neither did my son and this is what I have repeatedly told the Credit Card company. I have had numerous conversations with TD Visa asking for a copy of the voucher and have been told different stories everytime. They told me they mailed me the voucher numerous times also told me they were still waiting for the voucher and finally last month I was told the vendor never supplied them the voucher and now it is too late to get it, something about needing to get it in the first 2 months. I had originally asked for this voucher when I saw it on my XX/XX/XXXX statement and have a copy of a letter I filed with the Complaints Department with TD Card Services on XX/XX/XXXX after my conversation on the phone were going nowhere which I could provide you with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act TD Auto Finance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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 response to consumer: Closed with explanation