BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: United Resource Systems, 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: Information belongs to someone else

Complaint:
cra inaccurate information, took more than 30 days no response or call XXXX XXXX, XXXX, XXXX and 1 account with XXXX sent ftc, cra violation and po report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an online bank account with Chime and an unauthorized fraudulent external bank account was linked XXXX months ago without my knowledge. Unauthorized Transfers were made on : XX/XX/XXXX {$540.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$640.00} XX/XX/XXXX {$460.00} Total {$1900.00} I provided bank letter directly from XXXX XXXX XXXX XXXXXXXX and police report information # XXXX regarding my claim. As I have exclaimed I DO NOT own XXXX XXXX XXXX XXXXXXXX and dont know how this was fraudulently linked to my chime account. 

Chime bank has denied my case twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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  XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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 2022-08-22
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  XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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 2022-09-23
Company: Experian Information Solutions Inc.
State: CT
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 see an erroneous account from XXXX acct # XXXX XXXX I never signed, never authorized and have no clue what contracts validates this balance and account with this company. I have asked for validation through the administrative process and still have not received any proof that this account belongs to me and that I the consumer owes a debt stemming from this fraudulent account. I also notice inaccurate 180 days reporting from Experian in XXXX, XXXX, XXXX, XXXX and XXXX all showing 180 days past due. Also in XXXX XXXX to XXXX and XXXX to XXXX all show 180 days which is incorrect. Also for XXXX, XXXX is inaccurately reported as 180 days past due and XXXX shows foreclosure started without validation on the account.

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 2022-12-03
Company: Skopos Financial, LLC
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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2022-07-03
Company: Experian Information Solutions 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:
To whom it may concern I checked my credit report and noticed several fraudulent inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX and 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 2018-05-25
Company: Wheel City Motors East, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I was in a horrible car accident. The car was totaled. The loan company-XXXX XXXX XXXX- said they would resell the car and XXXX out my balance, I was told it would not be put in my credit since it wasn't my fault. The car has been sold ( per my credit report ) and my balance is now {$0.00} but they placed it in my credit anyways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX is in violation of 15 USC 6802 BXXXX XXXX XXXX XXXX said that I opted in to have my information released however they never told me or gave me the option to opt out. This is a violation of the privacy law.

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 2022-09-23
Company: Experian Information Solutions Inc.
State: CA
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 appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as it was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2015.

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 2022-07-03
Company: EQUIFAX, INC.
State: SC
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 is listed as the original company when its actually wise loan Worst Delinquency on equifax states the account is 90 days past due while XXXX statesCharge Off/Other Derog. XXXX states on Equifax last activity was XX/XX/XXXX but on XXXX states last activity was XX/XX/XXXX XXXX states on equifax last activity was XX/XX/XXXX but on XXXX states XXXX last updated XX/XX/XXXX on equifax XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX also reported as foreclosure on XXXX last activity reported XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX. XXXX last updated XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX and XXXX the balance on equifax states XXXX but on XXXX and XXXX the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX closed date XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on equifax XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX last updated XX/XX/XXXX on XXXX but on XXXX XX/XX/XXXX closed date on equifax XX/XX/XXXX but XX/XX/XXXX on XXXX XXXX last activity reported on equifax XX/XX/XXXX but on XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: NY
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:
This is my second time writing you to update my personal information. I submitted a dispute on XX/XX/2022 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX NY 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 2022-09-23
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: Reporting company used your report improperly

Complaint:
I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries : XXXX : Inquiry date XX/XX/XXXX XXXX  XXXX NA- Inquiry date XX/XX/XXXX XXXX  RETAIL CARD SERVICE-Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX BANK -Inquiry date XX/XX/XXXX XXXX BUSINESS CRED-Inquiry date XX/XX/XXXX XXXX CARD-Inquiry date XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX CO XXXX CARD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TX
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. 

Account Name : XXXX XXXX Account NumberXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Bella Sloan Enterprises
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Nothing personally these or any companies done to me. 
Just want to remove all my inquiries on my XXXX credit reports. 
XXXX, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-11-10
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with The Fair Credit Reporting Act. This account : CREDIT COLLECTION SERVICE XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made with CREDIT COLLECTION SERVICE The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Incorrect Address )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-03
Company: CITIBANK, N.A.
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a Citibank Accelerate account that I want to close. It has a {$0.00} balance and they are charging me {$4.00} a month due to insufficient funds. I had an online account where I could access the account number ( ending in XXXX ), but it disappeared. I don't have the account number since all correspondence only has the last 4 digits. 

I have called several times to close the account, but the first thing they ask is for the account number. I told them the online account disappeared and all the email correspondence only has the last 4 digits. They tell me they can't help me if I don't have the account number. 

They are charging me {$4.00} a month since I don't have a balance. I sent a letter to an office in XXXX XXXX TX as directed by some supervisor on XX/XX/XXXX to get the account number, but have heard nothing. Meanwhile I will be charged {$4.00} a month...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-25
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My daughter applied for a car loan at the PNC branch. They gave her a check package to give to the seller. But, my daughter changed her mind about the car and shredded the check and notified the bank. The assistant manager sent an email to the loan dept explaining that my daughter decided not to purchase the vehicle and that she had shredded the check. ( mistake on her part, I admit ) The assistant manager told my daughter that the loan was going to be reverse and that no payments would be drafted out of our account. However, on XX/XX/2018 a debit for {$460.00} was made to our account for the first payment. I called the bank to dispute it and explained that my daughter never got the car. The branch manager remember that my daughter had notify her of that. A few days later, I received a called from the bank to let me know that they were going to credit my account because indeed there was no loan and that they didn't know how it had happened that they booked the loan into the system, even though they didn't receive the title or any signed documentation for the sale of the vehicle. I waited a few days and no credit was received. I contacted the branch to inquire and was told a new and different story. They said they needed to research and see why they booked the loan and that it would take 90 days for them to put a stop payment on the check, and that on the meantime while the 90 days run and they research, we would need to continue making monthly payments. Now, this is absolutely unacceptable. PNC has policies in place that don't make sense. I had an issue a few months ago with an unauthorized debit on my account and even though it was clear that the debit should have never been honored, they did and declined my claim. I had to appeal and take it to higher level and that took nearly 5 to 6 months to resolve and get my credit back. I do not trust this bank. I have opened accounts at another bank to move my account relationship. I hope that you can help us resolve this issue as soon as possible. It is absolutely insane and abusive on their part to ask us to make such a large car loan payment for months, just because they can't figure out what they did wrong. I worked in XXXX for 25 years, including at this XXXX and I have never seen customers issues being handled the way they do it.

Company response to consumer: Closed with explanation