BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: MD
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 sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a new boat in XXXX with the loan eventually being serviced by Santander USA-account number XXXX. The loan was paid in full in XXXX of XXXX. Santander never filed a satisfaction of lien. I recently attempted to sell the boat and after multiple calls was able to get Santander to file a lien satisfaction however they filed it with the state of Florida. Since my boat was a documented vessel it is illegal for me to have a state title- I can only have a title through the XXXX XXXX XXXX XXXX I have been trying to get Santander USA to file the proper release with the XXXX XXXX I even hired a boat document company to fill out the proper forms and sent them to Santander XXXX They are still refusing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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:
Making sure payments are made. This co. Does not offer autopay. Depending on which customer service person they state that you can make either three payments scheduled in advance or six. I went online in XXXX and scheduled what I thought was six payments. It turned out the computer only allowed three and I did not realize it. The company stated they called me 20 times, and no time. Did I get a phone call or a voicemail. They then reported me 30 days past due to the credit bureaus and my Fico score dropped over 100 points. I contacted them and they then told me that I had not set up six months and only set up XXXX XXXX and XXXX and my XXXX payment was not made. I explain to them what customer service said told me knowing that they record all conversations they told me there was nothing they could do about it and I filed a dispute directly with their company. They then came back and said no they werent going to change it, so I asked them to send me transcripts of my taped conversations in XXXX and they told me I would have to get a court order. That means I have to hire a lawyer and spend a lot of money over something I should have access to I have filed a dispute with Experian credit and have not received any news yet. I am very frustrated with XXXX. They do not have auto pay and therefore I could only go by what they told me and I have over seven other credit cards and maintain a small debt to allowable credit percentage and my credit scores have been over 775 their credit line of {$1600.00} was the smallest one I have as my cards range from 5000 to 25,000 I have a 10 year history of no past dues and now my credit score has suffered. I have a business and banking relationships that I have to make each year a renewal of my credit lines, unfortunately for me they come up in one week. I had the companies credit card for 13 years and never missed a payment. I hope that you can find a way as I believe these people are predatory by wanting to get late fees from people. I have searched since my problem began reviews on them in several websites and they all say the same thing that customer service is terrible and they dont know anything and theyre a hard to deal with. I have paid them in full and in and in the process on canceling my account. It infuriates me that people work hard to keep their credit good. The company hopes for a late fee and this company doesnt allow auto pay or what they say they will allow. I did not get 20 phone calls as they stated, I did not get a letter as they stated and I did not get any voicemails.

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 2023-08-24
Company: W&A Intermediate Co., LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Debt Collections Practices Act WAKEFIELD AND ASSODIATES has FAILED to meet the following requirements by law : Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt pursuant 15 USC 1692 g Debt collector has falsely assumed obligations of debt to be owed and/ due under deceptive collection practices which fail to disclose details and omit material requirements in accordance with the FDCPA Debt collector imposes negligent consumer reporting practices causing adverse actions and damages to the consumer, through publishing false and incorrect allegations on credit report THIS DEBT COLLECTION AGENGCY CLAIMS I OPENED AN ACCOUNT ON XXXX XXXX. WHICH I HAVE NOT. this is a fradulent account baring fraudenlent information to my credit report inhibiting my ability to obtain credit and finacial liberties within reason. Their negligence has stained my public credit profile without my knowledge or permission. I have no account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: FL
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE 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
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: GA
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 sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 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 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 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 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 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 2023-10-22
Company: EQUIFAX, 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:
Equifax sent me results in response to my CFPB Complaint #, XXXX submitted on XX/XX/2023 : Description of Non Monetary Relief : Equifax reviewed the complaint, relevant documents and completed an investigation where applicable. 

Unfortunately, these accounts listed below have been on my report from at least the day I submitted the CFPB Complaint on XX/XX/2023 that Equifax stated in the results that the accounts did not currently appear on my Equifax Consumer file. 

The basis of my dispute is that I have a right to privacy Title 15 USC Section 602 and Section 604 states a consumer reporting agency can not furnish an account without my written instructions. 

I subscribe to more than one credit monitoring service and check annualcreditreport.com on a weekly basis which I can prove the accounts have been and still are reporting without my written instructions which is a violation of my privacy rights. 


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 non-monetary relief
Consumer complaint received 2023-02-11
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
This company pulled my credit report on these dates unauthorized XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions 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:
I am in urgent need of assistance in resolving the current situation. Upon reviewing my credit report, I noticed an incorrect entry listed in the collections section. I sent a letter to XXXX XXXX requesting validation of the alleged debt associated with account # XXXX. To date, I have not received adequate evidence confirming that I am indeed responsible for this debt. The only documentation they sent me was a statement of the balance, and nothing more. I have no record of any debt with this company for the specified amount. As the company has failed to provide me with substantial proof of my legal obligation to pay this alleged debt, I ask that you remove it from my credit report. Please provide confirmation of the deletion. And you need to know that, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-08-25
Company: EQUIFAX, INC.
State: MD
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX  XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is reporting late payments for an account that I was never late on. The most recent late payment that they are reporting is in XX/XX/2023 for the account XXXX XXXXXXXX. No other credit bureau is reporting this erroneous error. I am requesting that the late payment is removed from my credit report due to incorrect reporting.

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 2023-10-21
Company: EQUIFAX, INC.
State: GA
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:
There are inquiries that I didnt authorize on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Please delete these fraudulent accounts ASAP.

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 2023-02-06
Company: Rosebud Economic Development Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX alerted me to a pay day loan initiated with my information on XX/XX/XXXX twice and XX/XX/XXXX. I spoke w/ XXXX XXXX who advised me to file a claim w/ XXXX  and to freeze my XXXX XXXX. Upon receipt of the XXXX XXXX Report, it showed fraudulent information : Rosebud Lending, XXXX XXXX  ZocXXXXLoans. XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I called XXXX on XXXX when I received the DataX report and spoke w/ " XXXX '' She stated there was no information with my name, email or phone numbers. I would not provide my social security number without providing a report to your agency and FTC first. I am not XXXX XXXX and never applied for this loan.

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 2022-11-07
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-02
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB Consumer Adjustment added to my credit report a collection for XXXX XXXX in the amount XXXX that was already disputed in previous collection with Debt recovery solutions you can reference complaint ID XXXX And XXXX all my proof and documentation is on those complaint IDs including the mistakes and errors and FCRA laws the previous debt collector made this debt should have not been added back to my credit report after it was concluded no proof was provided on the debt collectors part same goes for consumer adjustment who added this collection straight to my credit report without first attempting to contact me first and sending a debt validation letter first and given me 30 days to respond consumer adjustment already violated FCRA laws by not doing those two things they need to remove this account from my credit profile immediately and if they continue to Per-sue this collection they will need to furnish full proof that this account is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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