BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NC
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 Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by mor than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: PA
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2021-03-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
XXXX XXXX XXXX stop reporting my payments to the credit bureau agencies from XX/XX/XXXX to XX/XX/XXXX. Their reason/excuse is due to the economic relief Cares Act which has actually hurt my credit rather than help it. In addition to this, XXXX XXXX have FALSELY reported my payment history in previous months. They reported my account to be 60 day late twice in XX/XX/XXXX and XX/XX/XXXX. I disputed this information with the credit bureaus twice but the inaccuracy remained. Finally I wrote XXXX XXXX XXXX department on XX/XX/XXXX, they replied to me via mail and according to their own research, the payment history they provided for my account DOES NOT show any 60 day late in XXXX ( see attached ). So the information provided to me from their research letter IS NOT the same information they're providing to the credit bureaus.I provided the letter to the credit bureau ( XXXX ), they acknowledge the discrepancy, however they inform they are not able to update the information without XXXX XXXX XXXX providing them the updated information. This issue has made it extremely hard for me to purchase a home for my family as well as other financial obligations ( rental, auto refi, etc ). Infiniti Financial Services should be held accountable of the way they've mishandled my accounts. This is a clear violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: IL
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 Didn't give consent to any organization or financial institution , credit reporting agency to share my information, PURSUANT TO 15 USC 1681 ( A ) ( 4 ) A CONSUMER REPORTING AGENCIES MUST EXERCISE GRAVE RESPONSIBILITIES, IMPARTIALITY AND A RESPECT THE CONSUMER PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Didn't give consent to any organization or financial institution XXXX credit reporting agency to share my information, PURSUANT TO 15 USC 1681 ( A ) ( 4 ) A CONSUMER REPORTING AGENCIES MUST EXERCISE GRAVE RESPONSIBILITIES, IMPARTIALITY AND A RESPECT THE CONSUMER PRIVACY.

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 2020-02-26
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
My last financial transaction with Wells Fargo concerning an auto loan was in XX/XX/XXXX to pay a charge off of {$430.00}. On XX/XX/XXXX I received a notification from my credit monitoring service of a 20 point drop in my XXXX  score due to an update from WELLS FARGO DLR SVC/ WACH DLS. The account is now listed as bad debt placed for collection. I have requested an explanation from Wells Fargo but have not received any. This has caused me to delay a planned car purchase.

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 2023-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two types of promotional finance offers on my credit card : Amazon.com " Equal Pay '' for no interest ( purchases made on Amazon.com for which I forgo the 5 % Amazon XXXX purchase credit to obtain longer payment terms ), and " MyChasePlan '' offers, which are equal pay plus a monthly fee that is, essentially, imputed interest. On XX/XX/XXXX, I had balances on both types of plans. I called to obtain the SPECIFIC amount necessary to pay off ALL of the " MyChasePlan '' outstanding balances, a feature that we are assured in large letters will be permitted at any time without penalty when setting these up. 

On XX/XX/XXXX, the Chase representative told me that I had to first pay off all of my " 0 % interest Amazon Equal Pay '' balances ; I was unhappy about losing the extended payment period on these, but figured it was my fault for not reading the fine print before setting up the MyChasePlan agreements. So I paid the entire total amount I was told was necessary on that day to pay off all of the outstanding amounts. I just received the next monthly statement for this account. To my surprise, I discovered that they did NOT allocate the payments as I was told they would. My account still shows {$1800.00} in 4 outstanding " MyChase '' plans, with a total of $ XXXX in monthly fees until paid off. 

However, after that conversation and payment, and in reliance the assurance from Chase that this was the amount necessary to pay off ALL of my plans, I chose to purchase additional items from Amazon, foregoing the 5 % XXXX  credit I could have received if I had purchased them outright. 

Chase says today, XX/XX/XXXX, that its representative gave me the wrong information on XX/XX/XXXX. Today I was told that the only way to pay off the MyChasePlan balances on XXXX XX/XX/XXXX would have been to pay off the ENTIRE outstanding balance on the most recent previous statement. Because I relied on the incorrect information their representative gave me, I am stuck with either losing {$120.00} in Amazon credits I could have received on my late XXXX XXXX purchases if I had not chosen extended payment plans OR paying the monthly MyChase fees on the remaining MyChase plans until they are paid off ( a total of {$220.00} ). 

I can not find anything, on the Chase site or otherwise, that says I have to pay off the ENTIRE STATEMENT BALANCE to pay off all outstanding MyChasePlan offers, so relying on their representative 's statement was a reasonable action. Please help make this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was advised to get and review a copy of my credit report.After this review, I noticed the following accounts reporting in error.I believe these errors that were not caused by me may affect my ability to get a loan. I write to you and request these accounts to be in good standing as soon as possible.I appreciate your assistance in advance. 

Account name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type XXXX XXXX XXXX XXXXXXXX name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : XXXX  XXXX name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection As you can see it is very important for my credit file to consist of only accurate and verifiable information, with respect to the Fair Credit Reporting Act. Ignoring my letters will not be accepted. I can tell what has been reviewed by the dates of the activity present in your report. I will be anticipating your response and I look forward to viewing my corrected credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The listed false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize as original owner is reflecting as XXXX XXXX XXXX which I have never been associated with. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report, is not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received and no updates were made to my credit report. I do not believe this account is valid and correct as it does not belong to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Previous Name : ( Last Name changed : XXXX XXXX XXXX XXXX ) XXXX TRANSUNION Credit Bureau I have attached the following documents to verify my identity ; My XXXX - Showing Current Address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and Current Legal Name ( XXXX XXXX XXXX ) Social Security- With Previous Last name, waiting for new XXXX to be issued with new legal last name. 
License - With current legal name and previous address. 
Credit Card Statement - Showing Legal Name ( XXXX A XXXX ), Current address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This also proves ownership of the missing account stated in this dispute request. 

You MUST fix this issue asap and not stall to Verify my identity or you will open up yourself to XXXX. 


It has come to my attention that my credit report is currently XXXX XXXX inaccurate. At the moment you are not reporting any accounts even though I had credit for years! 
I previously disputed some accounts that were open to identity theft and were removed, however it seems like XXXX of them has reappeared. It has also come to my attention that you have blocked my current address from reporting to my account. My current address ( XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ) was previously involved in fraud from some accounts that were opened without my consent and charged off. I requested these accounts to be removed and blocked since they were a result of identity theft. 
However, this address is my actual current address and should not be blocking my legitimate accounts from reporting. A family member from this address was opening accounts without my consent, however that was already resolved and SHOULD NOT affect my legitimate accounts. Please remove this block on my current address and investigate the accounts not reporting on my report and add them ASAP. I never requested to put a block on this address, only requested to have a block on those old accounts that were actually a result of identity theft. 




ADD MY CURRENT ADDRESS IMMEDIATELY. 

I have pulled my report from a monitoring website and I will list all of the accounts that are missing! I demand an investigation and fix for my report! 

I ATTACHED A LIST OF ALL ITEMS THAT NEED TO BE ADDED TO MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: Avant Holding Company, Inc.
State: CA
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:
Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like XXXXXXXX XXXX  from XXXX the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: CA
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 went into a XXXX XXXX store. I had purchased a phone that I could use with their services and wanted to transfer my phone number over to them. Once there I provided photo ID ( Driver 's License ) and my Social Security #. They informed me that someone with a different name had an account already opened with my Social Security number. 

At the time they wanted me to fax a copy of my social security card to their activation department, which I grabbed and brought with me to the store, but there was no fax machines on location. They told me to call customer care. I have called customer care six times now, starting on Sunday XX/XX/XXXX, and no one has been able to help me in correcting this fraud. One of their customer care phone operators, XXXX, guided me to this website to file a claim. 

I have received little to no help, I have found out that multiple employees did not file fraud claims as they said they would. I have received differing stories on how long this process will take, and have been told multiple different and conflicting ways to handle the 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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681.

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within XXXX business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.

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 2023-07-19
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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