BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2022-12-10
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:
I have made a dispute with Experian Credit Bureau and XXXX XXXX, with regards to removing a collection agency named, XXXXXXXX XXXX XXXXXXXX. The account they are trying to collect a debt with is closed and XXXXXXXX XXXX XXXX does not have a license to collect a debt in the state of New Jersey. 

This collection agency has a license to collect a debt in 13 states and NJ is not one of them. This is against The Debt collection law guidelines in NJ.

I have recently submitted another request to remove this debt with Experian and XXXX XXXX once again. I would like this collection account removed from my report, please.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights, The reporting dates are wrong, last date of payment last date of active are all wrong. I have sent messages after messages and they have never done anything about it i have shown you the inaccuracies and these accounts are still on there please remove these accounts from my credit report as soon as possible.

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 2023-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : CAPITAL ONE AUTO FIN Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX IL XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: SANTANDER HOLDINGS USA, 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: Problem with personal statement of dispute

Complaint:
I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
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: Information belongs to someone else

Complaint:
Beginning XXXX 2016 until this date I have had an excessive amount of unannounced inquiries and accounts that I am not knowledgable of that continuously keep reporting to my credit report. I started disputing this when it was brought to my attention immediately starting with Equifax. I sent in certified letters, made several phone calls, spoke with supervisors, filed online disputes, and requested a freeze and fraud alert be placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Continental Finance Company, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I am even 1 day late on my payment they will call my phone over 10 times a day until payment is made. I have asked them a few different times to please quit calling me 10 or more times a day and nothing has been resolved.

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 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's not my accounts, I never applied for it. I didn't sign any contracts with this company.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
Their hard inquires on my Equifax consumer report. I gave no permissible purpose to any person to pull my report. The following were XXXX XXXXXXXX on XX/XX/2023. XXXX  XXXX on XX/XX/XXXX. Also XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a credit card bill from Synchrony for sam 's club. I have never had a Sam 's Club card. Did not apply for one. 

The charge listed on the card is for an Annual Membership Fee of {$50.00}. My annual membership is due in XXXX 

I do not understand how a card can be opened in my name without my permission... ..for a charge this is not yet due. 

This is a scam that has an interest rate of 25.9 %.

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 2022-01-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX XXXX XXXX XXXX XXXX : XXXX Date purchased : XX/XX/XXXX To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 
This is not a refusal to pay, but a notice that this account is disputed. 
Any contact needs to be made in writing, you or your representatives do not have my permission to contact me or my family members via telephone, text or email or any form of social media. 
Per North Carolina State Law, this debt has passed the statute of limitations. With that being said, I can not be sued by you per North Carolina Statute. 
This vehicle was voluntarily surrendered in XX/XX/XXXX in XXXX, NC ) and resold on or about XX/XX/XXXX. 
I am offering a settlement offer to satisfy this account in the amount of {$1000.00}. Upon receipt of this payment in the form of cashiers check or money order, please mark this account paid in full. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: OK
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:
Here I will list all the companies that the performed inquiries not authorized by me : 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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Here I will list all the companies that the performed inquiries not authorized by me : 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo Bank will not respond to multiple requests to provide access to a safe deposit for the executor. I have left several messages without a response. Today, the banker at their call center disconnected the call after 25 minutes, but before hanging up on my, he told me to go to another branch ( which is not the location of the safe deposit box ) to speak to someone. THIS IS NONSENSE! I had asked him to set up an appointment and declined to do so!! 

I tried to make an appoint on the Wells Fargo site. The selection to make an appointment on the site will not allow setting up an appointment for this reason : This location is not available based on the reason you identified for your appointment. Please select another location or change the reason for your visit. 

This is related to the death of my sibling and is very upsetting. Now I am waiting on the phone once again. 

I need to travel 2.5 hours to the branch at XXXX XXXX XXXX. XXXX, NC XXXX. The branch manager is XXXX XXXX and I have left messages without response. 

This is horrible customer service. 

Update 1 : Spoke to XXXX ID # XXXX. She is very pleasant, but told me that I should email the Regional Manager and expect a response within 48 hours and now being told this call will be escalated. We are within the 48 hour time window now.

Update 2 : XXXX is attempting to contact the branch, but was unable to do so while I have been on the call for 55 minutes and once again, being told I will get a call within 48 hours. I'm speechless.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

has violated my rights. Or a list of inquiries : 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 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 to any 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: AL
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 have XXXX hard inquiries on my equifax credit report Ive sent letters in by mail Ive also called numerous of times Ive filed a complaint with the ftc The following inquiries are unauthorized, and I ask that you delete them : 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of 2019 I signed a lease, so-signing with my mother at XXXX XXXX XXXX XXXX This past week XXXX actually bought the car off of me, paying off the rest of the amount and owing me around {$5000.00}. I went to another dealership test drove a car, and found the perfect one. I went to sign papers and before that they ran my credit report to make sure my past lease checked out. Come to find out the entire 3 year lease was not once reported at all to the credit bureaus. 

I called XXXX XXXX, the ones who actually do the reporting and was first told it was " because of COVID-19 relief program, where some accounts had their reports removed. I then asked why would this happen if I didn't authorize this, or get informed of it, and why my information from the entire year before the pandemic began wasn't still on my credit reports. She responded that " They went in and deleted all history with them ''. I contacted my attorney and he instructed me to call back and ask for a supervisor and file a complaint here first. 

I called back again and was denied being placed with any supervisor. Instead I was told this time that the reason it wasn't reported is because sometimes the computers mess up and don't report lines of credit. She also told me I won't hear back for 3-4 business days, and it could also take 30 days to even try and reinstate my information to my credit report they messed up. 

My mother, the co-signer also checked her credit reports and they failed to report there too. This was not my mistake and their employees took credit for the fact their computers made a mistake. I should not have to wait for this to be reinstated, as I should've been able to get a new car last week if it wasn't for their negligence.

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 2019-12-28
Company: Bass & Associates, P.C., Attorneys at Law
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/XXXX my identity was illegally used to apply for a Federal Student Aid Loan. I did not sign for or apply for any loan with XXXX Universities or any Federal Student Officer. XXXX Universities created and process a XXXX Student Aid Loan fraudulently using my identity without ever having me sign a single document. Once they  received the loan from the Federal Government through the Department of Education, I was never told about it. Once I learned of this after a year later, I tried to resolve this identity theft loan issue with the College, however they knew they had been caught, so they blocked all access to this matter of course. The debt was disputed and once removed from my credit file, only to be replaced back on my credit file serveral years later through the Department of Education and and company called Bass and Associates. This loan is a " Well Known '' identity theft case, involving www.pin.ed.gov. a former Website that was identified as the conduit that identity thieves could very easily exploit. The Department of Education took action against this after receiving my certified letter to the Department of Education OIG on XX/XX/XXXX. On XX/XX/XXXX this website was shut down and a new process put in place called the FSA ID. Since I discovered this conduit, it's been a consistent battle to get this undisputed illegal debt obtained under false pretenses by XXXX Univesity with the US Department of Education fully removed from my Credit File. They are deliberately trying to maliciously attack my Credit Rating by placing this back against my Credit File and it is still affecting my credit to this day nearly 10 years later. This needs to be addressed and actions taken against those involved in this injustice. It is in direct violation of the FCRA and is a total fraud that was fabricated through a well known conduit for identity theft to occur through www.pin.ed.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Too many inconsistencies in this payment information, this payment information is reported illegally, and in accurate I made a payment, and and settlement in XX/XX/XXXX they still have it that I didnt pay and I have it marked in yellow I requested a 1099C form for them and they told me they would not give me one until I paid more. This is over seven years old and this is reported wrong they keep reporting and theyre telling me Im past due this is the charge off thats illegal. Theres no way this company shouldve reported on XX/XX/XXXX. This is illegal. They dont have my payment of XX/XX/XXXX current on this payment form but they have everything else marked. This is totally wrong and anaccurate.

Company response to consumer: Closed with explanation