BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: IL
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:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX nAlleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2020 Santander Consumer USA was sued for misleading subprime loans in Sc I was award an amount and according to the settlement my loan associated with the lawsuit had to be removed from all credit bureaus, Santander has failed to remove the item off my credit report after serve attempts. Attorney XXXX XXXX will take over if this matter isn't fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I was approved for a Chase Amazon XXXX Rewards Card. In the 5 years that I have had the card, I have used it legally and consistently ( the card is linked to my Amazon XXXX membership, which I use extensively ). Copies of the card statements show that there was never any problem with repayments or any aspect of the account. Any credit is currently paid off and I owe {$0.00}. My credit limit was increased by Chase Bank over the years ( because of my proper use and credit history ), and currently is {$13000.00}. [ I am attaching copy of my credit card statements ] On XX/XX/XXXX ( over four years after having been approved for the credit card ) I received a letter from Chase Bank ( written XX/XX/XXXX ) stating : " After careful consideration, we have decided to close your credit card account because of your association with a Chase credit card, deposit or investment account that was previously closed. '' ( and specified the last 4 digits of my Chase Amazon XXXX Rewards card ). I am not aware of any accounts that I have had at Chase, or why closing them would affect the standing of my credit card. I had a mortgage loan at Chase over several years, and it was fully paid off in XX/XX/XXXX. [ I am attaching copy of the letter ] I immediately called the customer service telephone number on the back of my card, and was told that the only way to obtain more information was to write a letter to the Chase Bank Executive Office at XXXX XXXX XXXX XXXX XXXX, OH XXXX. It was the weekend, so I waited until Monday to see if I could receive additional information through my local Chase Bank branch. 

I drafted a letter to the Chase Bank Executive Office and sent it. I have not received a response. [ I am attaching copy of my letter ] On Monday XX/XX/XXXX I went to the XXXX XXXX branch of Chase Bank and spoke with XXXX XXXX ( Private Client Banker ). He could not see any additional details or notes on his computer, so he asked for some time to contact other departments of Chase Bank. 

I returned to the branch on XX/XX/XXXX and XXXX XXXX had not been able to obtain any additional information. But he expressed surprise that my credit card would be closed, since my record looked perfect in all the time since I was approved for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX has not updated my credit report in months and I recently filed a dispute to correct some of the information they are reporting. I uploaded documents from XXXX, my student loan servicer and from the Washington State Division of Child Support. 

However, XXXX has rejected my documents per an email received a couple of days ago.

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 2022-06-06
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I scheduled an auto bill pay from Nevada State Bank for my mortgage to XXXX XXXX  on XX/XX/XXXX ( funds to be withdrawn on that date ). On XX/XX/XXXX the funds came out but the check was endorsed by XXXX XXXX XXXX  ( even though the check was made out to XXXX XXXX  ) After hiring a mortgage fraud investigator, I found out the check was deposited into the wrong lock box and XXXX XXXX endorsed the check by mistake. I have contacted Nevada State Bank to rectify this situation on multiple occasions even giving them the XXXX XXXX account number on the back of the check starting on XX/XX/XXXX, As of today, XX/XX/XXXX this still has not been fixed. I filled out a fraud affidavit on XX/XX/XXXX and was told it could take up to 30 days to fix. Still nothing.

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 2022-06-06
Company: Klarna AB
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
It opened my account at Karna in XXXX of 2019. I've been a good customer always paying my account on time... Several weeks ago I was having issues getting the klarna card so I chatted an emailed several people... I finally got a response they wanted me to send in a picture of my driver 's license which I did... For some reason my birthday was wrong on the Karna account and he asked if I wanted to change that as well as changing my name on the account from XXXX to XXXX because that was on my driver 's license... I told him that it was fine if he changed those two things so hopefully I could get approved for the card ... After he emailed me saying it was updated I received another email stating that my address had been changed... I did not request a change to my address and all of a sudden my {$670.00} available to spend turn to zero and they're telling me I have a past due balance on a different account with a different email!! I have never had another email or another account on Klarna!! I also tried applying for the card again and it keeps saying unable to verify my identity!! How is that possible when I sent them my driver 's license!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent Trans Union the information below in separate complaint forms on XX/XX/2022 and updated information on XX/XX/2022. Trans Union has refused to remove the said below account but removed other accounts that were sent at the same time. I am the individual whose credit file these items do not belong on. But Trans Union has allowed entities to place whatever on my credit consumer file my privacy has been invaded this has been stressful to me I have literally been sick over errors on my consumer credit file. when I called to try to speak with someone at Trans Union tells me about their policy and their rights all while Im speaking to someone overseas about my account though Transunion is based in the United States. I am requesting that I be sent an updated account after the removal of the said accounts below as well as my credit score. Please send me a copy of my credit score for free. 





XXXX. XXXX. Amt {$3900.00} Acct # XXXX CFPB # XXXX XXXX Acct. # XXXX CFPB # XXXX XXXX. XXXX ACCT # XXXX CFPB # XXXX XXXX. XXXX ACCT # XXXX CFPB # XXXX All these errors, violations and fraudulent entries are grounds for permanent removal. In association with these companies fraudulent reporting statements, my credit score has plummeted and caused me distress, lost of income, credit denials and lost of business opportunities. 15 U.S.C. 1681 section 602 A. States I have a 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. I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT. 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Trans Union please see the CFPB report you already have in your possession in your fraud department with this information which coincides with the CFPB reference number provided inside of this letter. Once again Im sending this to you and it should be resolved by tomorrow the XXXX extra information was just sent to you on the first of this month thats all so please do not try to open another dispute. 

Please provide me with your registered agents address. Thank you

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$18000.00}

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 non-monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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:
1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
For over 1 year I have maintained a checking account with varying balances, a savings account with a balance of {$50000.00}, and an investment account with {$100000.00} at Wells Fargo bank in XXXX, Alabama. I never had transactions in my savings or investment accounts. On XXXX XXXX of this year I received a text message stating that an unauthorized withdrawal of {$3500.00} had occurred on my savings account. I later found out that several unauthorized withdrawals totaling {$13000.00} had already occurred. Wells Fargo restored all the money to my savings account and closed the account ending XXXX on XXXX XXXX. They transferred the outstanding balance to a new account ending in XXXX. They also allowed an unauthorized deposit that was pending from " The XXXX XXXX '' to be transferred to my new account although the agent at Wells Fargo told me that no deposits or withdrawals would be permitted to the new account without my personal appearance at the bank. I notified Wells Fargo that the deposit was suspicious and they sent the {$2000.00} deposit back to XXXX XXXX. They then proceeded to allow XXXX XXXX to withdraw {$2000.00} from my account without my permission or authorization, resulting in a {$2000.00} deficiency. Since that time Wells Fargo has exceeded the amount of time allotted for their investigation and failed to refund me the money that was lost due to their mismanagement. I transferred most of the money out of that savings account due to lack of confidence because a recent online survey showed that Wells Fargo is the worst bank in America.

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 2023-10-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter demanding an investigation into inaccuracies on my credit report on XXXX XXXX XXXX XXXX XXXX XXXX I received a stall letter via email from Experian stating that they did not know if it was me that sent my original dispute letter, even though it was sent with proof of identity. I have now sent out ANOTHER letter with proof of identity AGAIN stating that Experian is reporting inaccurate information and needs to reinstate the investigation request and get back to me within 15 days being that they have ALREADY ignored my first letter and that I will file a complaint.

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 2022-06-24
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: Account status incorrect

Complaint:
I have never had a late payment in my student loan for over 10 years and the XXXX company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for XXXX to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank you,

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 2023-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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