BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
By the fair credit reporting act, The list of accounts below has violated my federally protected consumers ' rights to my privacy and confidentiality under 15 USC 1681. 
XXXX 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 USC 1681 section 602A. States I have the right to privacy 15 USC 1681 Section 604A. States a consumer reporting system or agency can not report any accounts without my written instructions. 

15 USC 1681c a 5 Section states NO consumers reporting agency may NOT make any consumers reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. REMOVE/DELETE off my accounts

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 2023-11-22
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-08
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  - XXXX XXXX XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX has violated my rights. 
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 an 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 2022-09-22
Company: Experian Information Solutions Inc.
State: NJ
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 went to apply for a car an was never told all these other inquiries would be reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: OH
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 have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: NJ
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 went to apply for a car an was never told all these other inquiries would be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX literally blatantly told a lie and stated Santander verified the debt as accurate when they just told me that they can not find the debt. So someone is lying personally I do not care who is lying. I attached both repsonse which doestn make sense because how can they be verifying the debt with XXXX but telling me that they can not find or locate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Continental Finance Company, LLC
State: VA
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 Account # XXXX, has violated my rights. 
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 any 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 2023-11-30
Company: JPMORGAN CHASE & CO.
State: CA
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:
All of the following transactions were not authorized by myself- Chase Bank have not refunded these. I have raised a report with XXXX XXXX police department. I would like the transactions to be refunded as i did not authorize these transactions and i when these transactions occurred i was on XXXX XXXX 


XX/XX/XXXX XXXX XXXX - XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card- {$140.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX CA XX/XX/XXXX ( ... XXXX ) Card- {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX XXXX XXXX XXXX ) Card- {$350.00} XX/XX/XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX - XXXX XXXX  XXXX XXXX NV XXXX XX/XX/XXXX ( ... XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( XXXX XXXX XXXX XXXX {$43.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX ) XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX ) Card- {$98.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-02
Company: OneMain Finance Corporation
State: WI
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:
The XXXX XXXX account reporting to the credit bureau has inaccurate information. My credit is being effected by the inaccurate information that is being reported by the agency. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on my credit. I demand to see verifiable proof In writing of this account. Under the FCRA unverifiable accounts must be removed. I am demanding that the account be verified or removed from my credit report. I have disputed this account previously and the agency has yet to provide documentation or remove the account from my credit bureau report. Under federal law you have 30 days to complete the re-investigation. I am asking that you provide documentation with 15 days of re-investigating. I am also requesting that all inquiries on my credit be removed from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Fidelity Rewards card 's statement generally arrives two weeks after the due date. As a consequence I was late paying for the billing period ending XX/XX/23. Having just returned from a month in XXXX, I only found out about it because they turned off my card without notification ( or statement ). I called to inquire and complain. They waived the late fee and blamed the USPS, but offer no suggestion or guidance regarding a remedy. 
I was late again for XXXX 's billing period. I place the same call, same complaint regarding the untimely statements, was once again told the blame lay with the USPS. they waived the fee. 
Today, same thing, same result, but they would not waive the fee ( {$41.00} ). At least this time the representative was helpful enough to walk me through their website to set up alerts to try and prevent a four-peat. 
I'm XXXX XXXX XXXX. Prior to geiing this card and another, my credit score was about 830 ( another sore subject ). I pay about a dozen bills every month, on time! I've never had this problem before. 
Is it legal for a company to charge a late fee when they consistently do no remit a timely statement?

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 2022-07-02
Company: Santander Consumer USA Holdings Inc.
State: WI
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:
The Santander Customer account reporting to the credit bureau has inaccurate information. My credit is being effected by the inaccurate information that is being reported by the agency. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on my credit. I demand to see verifiable proof In writing of this account. Under the FCRA unverifiable accounts must be removed. I am demanding that the account be verified or removed from my credit report. I have disputed this account previously and the agency has yet to provide documentation or remove the account from my credit bureau report. Under federal law you have 30 days to complete the re-investigation. I am asking that you provide documentation with 15 days of re-investigating. I am also requesting that all inquiries on my credit be removed from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection showed up on my credit report. It is apparently an energy bill from XXXX XXXX in XXXX  I have never been to XXXX. I filed disputes with XXXX and also XXXX. 
I have lived in XXXX for 7 years and prior to that XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debit is being reviewed with the health insurance company the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
This is a surprise medical bill from XXXX XXXX. I was rushed to the emergency room on XX/XX/2020. The entire time I was in ER at XXXX I was on morphine for pain. I was not in a state of mind to sign any documents, I did relay that to the staff in the ER. I stated that I do not have the funds to pay for the emergency room stay and told the nurses that I would like to leave. I did not expect that I would be rushed into XXXX because of my appendix. After the XXXX, I stated that I would like to go home because I knew that the hospital bill was going to be too expensive. The staff at XXXX XXXX stated that due to XXXX XXXX I can not have any family members come to the hospital and the doctor can not discharge me until a post-op test. 
Someone from the financial department with XXXX XXXX talked with me and told me to sign paperwork that I was not in a state of mind to sign. I recall telling her that I do not have money to pay for the emergency room visit. The staff stated that the state of California insurance should help with some of the cost. This bill was sent to collection for {$38000.00} it was a result of an emergency procedure when I was rushed to the emergency room in XXXX this was not expected I was told that my insurance would be able to cover the cost of some of the cost because I had no income at the time and was on the state of California XXXX plan. I am still in talks with XXXX about them covering some of the cost of this medical bill. I am protected against this surprise medical bill because I have coverage through XXXX. 
XXXX XXXX sent the medical bill to a collection company XXXX XXXX which continues to report a new amount every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: Experian Information Solutions 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:
XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX This is not my acoount please remove fraudulent/ unauthorized closed account from my report or provide proof in writing within 30 days.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 writing to formally dispute the presence of inaccurate addresses and inquiries on my credit report, which are adversely affecting my creditworthiness. I kindly request that you investigate and remove these discrepancies as part of my first attempt to correct my credit file. 

I did not apply for credit with these creditors or provide my consent for these inquiries. I request that you remove these unauthorized inquiries from my credit report. 

I have attached supporting documents, such as copies of my official identification and proof of residency, to verify my current address and confirm that the listed addresses are indeed inaccurate. Additionally, I have not initiated any credit applications with the mentioned creditors. 

I am well aware of my rights under the Fair Credit Reporting Act and request that you conduct a thorough investigation into these inaccuracies. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. 

In compliance with the law, I also request a written explanation of the steps you have taken during your investigation and any updates or changes made to my credit report as a result. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-25
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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