BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: MD
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:
I demand to remove and block these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Experian and XXXX Bureaus are obliged to do so to any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my last letter & I am including it again. Also, the information you provided on these inquiries is UNKNOWN to me and the inquiry was REMOVED from other bureaus and I have doubts about the accuracy youre showing in my credit report. Remove these fraudulent inquiries from my credit reports, as soon as possible : EXPERIAN : 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 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 2023-06-24
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? These mentioned items should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
tried to open a Chase bank account have nothing on XXXX was denied when gave correct name adress liscence info bday date ss number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a 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 2019-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against XXXX XXXX XXXX The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is as follow-up claim to the claim I filed in XX/XX/XXXX ( # XXXX ). The resolution provided did not provide evidence of customer error. There is a 12 month gap in Mr. Coopers timeline. During those 12 months there was no issue with auto-pay. No intervention on my part in ending auto-pay. No bank changes. The company is not addressing this gap in timeline. They can not provide evidence that I canceled auto pay or set it up in correctly. Mr. Cooper was auto-debiting payments from my bank successfully from XX/XX/XXXX to XX/XX/XXXX. Then in XX/XX/XXXX they had an issue. Stating bank account numbers were transposed. However, they are noting no changes were made to my auto-pay between XX/XX/XXXX and XX/XX/XXXX. 

I sent a detailed follow-up email to the resolution specialist on XX/XX/XXXX with questions addressing this gap. Mr. Cooper did not address these questions nor the gap in dates. They did not provide evidence of customer error. They basically submitted the same response they initially provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CITIBANK, N.A.
State: VA
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: Problem with personal statement of dispute

Complaint:
I have a reported balance of XXXX $ on MACYS/CITIBANK, N.A. Credit card. My account was in good standing until XX/XX/XXXX Experienced some financial issues for a couple of months after that, the company paused my payment. As I was getting ready to restart payment in XX/XX/XXXX found out the company closed my account and I couldnt access the account even to pay the remainder of the balance. I tried to contact them few time but it was always an automated response, I got fed up. Few months in the account was reported as a bad debt on my credit report. I put a dispute with no resolution. This is so frustrating.

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 2016-09-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I HAD A FRAUD ALERT PLACED ON MY CREDIT REPORT. I HAVE RECENTLY TRIED TO HAVE THE ALERT REMOVED, BY CONTACTING THE AGENCY, HOWEVER WAS NOT ABLE TO SPEAK TO ANYONE REGARDING THE REMOVAL OF THIS ALERT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The original debt was {$140.00} which was recently satisfied. Now I have Firstsource Advantage , LLC at XXXX XXXX XXXX XXXX, XXXX, NY contacting me regarding the same debt being {$320.00} and additionally sending my personal and private financial information to the attention of someone who was not associated with the account at all. The account was opened under my business name with one owner, myself. I find this to be a violation of my private information regardless of who it is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Yamaha Motor Finance Corporation USA
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2019 made a purchase of 2 motorcycles financed through yamaha motor financing. One is a 99 XXXX and the other a 2006 XXXX. Both ihave a title lien with the credit company. Today i went to discuss making another purchase and was told by the sales rep that it's illegal in NC to finance with Yamaha motor on anything older than 8 years. I honestly don't know if this was a sales tactic or if I've been bamboozled by the original dealership and Yamaha.  Total financed on both motorcycles was initially around XXXX the interest is around 30 percent. I can not use this card for anything besides purchases at an authorized Yamaha dealer so no other purchases were made on this account. Im concerned about the legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Avant Holding Company, Inc.
State: FL
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:
The CFPB has the bad habit of closing a case immediately when it receives a response for the company complained about. Case in point : on XX/XX/2022 I filed complaint # XXXX because of a fraudulent billing. On XX/XX/2022, you received a Company 's response, clearly identified as an Intern Response which indicated their compliance people were looking into my complaint but needed 60 days to do so. You sent me a copy and immediately closed the case. To prevent future issues, I immediately went to the credit card company and BLOCKED the account. The bill due date was XX/XX/2022. Now I am receiving late payment notices and the balance has increased from {$56.00} to {$120.00}. How did a BLOCKED ACCOUNT go from {$56.00} to {$120.00}, if no activity was allowed on the account. I have no indication of what the additional {$66.00} is supposed to from. I did not use the card! I must close this account immediately, please help me do so. Do not close this complaint until you receive a Final response for the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is the third complaint on Nissan Motor Acceptance Coroporation. I called Nissan and told them I had a domestic dispute and was in the hospital XX/XX/XXXX. My kids and I were in crisis. I was granted an 90 day deferment,. I have been complaining about an investigation on what happened to this call. Third complaint on XX/XX/XXXX. Recovery Spotters a total of 5 were following me. I pulled in a neighborhood and refused. I was still followed. I had XXXX children in the car. I pull in my car. My children were afarid. A total of 8 recovery spotters were driving on XXXX XXXX XXXX XXXX TX XXXX at high rate of speed. I called the Constables office because I have some right to peace of mind and my children does n't need to be in fear. The Police parked in front of my home after I filed a third report. Of Agents tapping on my window and disrupting my neighborhood at night After the Police told me he was off his shift. Around XXXX Recovery Spotters were again going at high speeds down the street. My Neighbor chase one down to tell them to stop. Also he knew I was afraid. There is one main street in my neighborhood. There are children. Again for the third night. Breach of Peace is broken. I should not be afraid while working with Nissan to recover a phone call. I also submitted a legal notice to Nissan to cease this unlawful acts. I 'm in fear. The also are children on the street one can be harmed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My son is a XXXX, and he was involved in a traffic accident where he was labeled as at fault. He was in his mothers vehicle, but was not listed as a driver. The insurance company assumed I was the driver because of our names are similar, and it has directly affected my way of life. I have been forced to deactivate my trucking company because of outrageous insurance quotes and I have been refused employment because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-11
Company: Experian Information Solutions Inc.
State: TX
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 am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This is the account to be corrected of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, 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 recently submitted a complaint because fraud inquires and an account was being reported on my credit report. The information included on the report has not been deleted. Please delete the inquiry for XXXX XXXX, XXXX XXXX & this XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I just found two unauthorized transactions on my XX/XX/XXXX Bank Statement, a debit to XXXX for {$140.00} of XX/XX/XXXX snd a debit to XXXX XXXXXXXX for {$2500.00} of XX/XX/XXXX, and called Wells Fargo to dispute these transactions. I was told that it was not possible to dispute the transactions as the phone operator could not retrieve account information since the checking account in question had been transitioned to a new account due to past fraudulent transactions.

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 2023-08-11
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi I have been trying to get a response from coinbase regarding a withdrawal of XXXX  to my XXXX bank account. 

When I withdrew the funds from coinbase I selected a XXXX bank account that had been closed for some time and realising the error contacted the XXXX bank that said the money will not go into that account because it was closed and that coinbase will get the money bank in their account. 

I have contacted coinbase a number of times over the last week and they are just sending a standard response with no attempt to resolve my issue and put the funds back into my coinbase account so I can withdraw to the correct account. 

I am now wanting to make an official complaint as a company like this should have made proper contact by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
See attached XXXX NOTARIZED Identity Theft Victim Affidavit. After 4 years, I am understandably not happy with the 90 Fraud Reinvestigation Discover responded with on Consumer Financial Protection Bureau Complaint # XXXX. After theft of cards in XX/XX/2017, I was in hospital for 5 days in XX/XX/2017 for emergency XXXX XXXX XXXX. And again, in XX/XX/2017. I was in the XXXX XXXX XXXX beginning in XX/XX/2017. The thief is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have already sent information that I easily XXXX  reflecting credit card abuse, forgery, impersonation, and false pretenses. Also attached is a letter I sent to XXXX XXXX XXXX XXXX regarding more fraud and impersonation from XXXX XXXX. She was able to get on my company insurance for several months and was getting pills from a doctor.

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 2023-08-11
Company: Experian Information Solutions 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXXXXXX 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 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 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I do not recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/XXXX. Please investigate to ensure there is no fraudulent activity. My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, MD, XXXX. My birthday is XX/XX/XXXX. My last 4 is 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 2019-07-20
Company: EQUIFAX, INC.
State: MD
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:
I do recognize the following inquiry XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation