BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-10
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and US BKPT CT XXXX XXXX XXXX Date Filed : XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
onXX/XX/XXXX bank of america got a copy of my XXXX  report without my conset i did not try to appy for anything with you guys please remove from my report also im requesting evidence of how this inqury was mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I pay extra money ( above the monthly minimum due ) the money does not go to the purchase that will incur interest charges first.

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 2023-10-02
Company: Atlanticus Services Corporation
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NY
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 have sent several notices to the company about fraudulent and inaccurate information on my consumer report. They have yet be fixed and/or be removed even after they have done an investigation. This following account have interfered with my rights and must be removed in accordance with the fair credit reporting act. XXXXXXXX XXXX. I have also filed an identity theft report with the ftc. 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said accounts to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
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:
XXXX XXXX Bank XXXX is reporting my mother 's credit information on her XXXX XXXX account with XXXX bank when I am only an " authorized user ''!!!. so far I know of it being reported to Experian only... but I have not checked with the other credit reporting agencies. 

today ( XX/XX/2022 ) i called XXXX bank and the cust svc agent stated that the credit card account disclosures states that " authorized user '' will also be reported to credit agencies. strangely, I asked the agent to mail or email me the " disclosures '' which he said could not be done. why not sounds suspicious to me!! 

so I went to the bank branch in XXXX XXXX, CA XXXX and got a copy of the " disclosures ''. in the disclosures it does NOT state authorized users would be reported to credit agencies! 

I am going to follow up with this complaint filing with a call and letter to XXXX XXXX bank XXXX. to immediately decease from reporting my mother 's XXXX XXXX Bank XXXX account on my credit reports!!

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 2021-03-10
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon starting a new service on XX/XX/XXXX, I was informed by XXXX XXXX that I had an existing balance in collections of {$410.00} from electric service at a previous residence. I didn't know about that balance, and promptly paid the {$410.00} balance plus a {$100.00} deposit for the new service at my new residence. 
I later received collection calls from Online Information Services regarding the {$410.00} balance. I spoke with XXXX ( phone : XXXX ) at OIS on XX/XX/XXXX about getting the balance off their records as it was paid in full. On XX/XX/XXXX I mailed copies of the statement showing the {$410.00} charge to the new account, brought forward from the old account via my SSN, and the payment that was made to XXXX  the balance out moving forward. All of the hard copies showing all of this was mailed to : Online Collections XXXX XXXX XXXXXXXX XXXX, NC XXXX I am still reveiving periodic phone calls from OIS to collect, and every time I explain that I have already paid the balance, AND have sent them proof. 
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy, and included this " phantom '' balance in my filing, hoping to get the collections to stop once and for all. The Bankruptcy was discharged on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received yet ANOTHER call from OIS trying to collect the balance. I informed the caller that I had filed Chapter XXXX and the debt, which was not owed to begin with, was wiped out in the bankruptcy. She still asked for proof the debt was paid. 

This is harassment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attached an FTC report with 3 fraudulent accounts along with fraudulent inquiries

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 2021-07-25
Company: Experian Information Solutions Inc.
State: TN
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 allows XXXX XXXX to take out two loans in my name and my dad 's name without our consent. XXXX XXXX tried to get me to agree to a loan over the phone, and I told them no that I do not consent and to not process the loan. The woman told me she was going to fill out the loans anyway, and I called XXXX to try to stop it. XXXX processed loans without our signature or authorization. I did everything I could do to prevent the loan, and I have been fighting it for 13 years. XXXX also lied to get payments about who they were. XXXX  acts like they are going to investigate an issue, but they just respond to companies that they will work with the parties and leaves the information the same. XXXX illegally allowed a college to take out as many loans as possible using my name and dad 's when I was XXXX trying to take advantage of us. XXXX College failed to also put the correct amount of funds they received on the account. XXXX took out XXXX in loans in my name and dad 's through XXXX, and XXXX received XXXX in federal loans and pell from my account. The total cost for my education was XXXX. They owed me money and took my FAFSA and tax papers to fill out the loans. XXXX college 's statements do not acknowledge the amount of money they received from federal aid and federal Pell grants. I have the documents, and I have tried for years to get the issue resolved, and tried to prevent it. XXXX and XXXX worked together to do this. Avoid XXXX and XXXX University college.

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 2022-10-10
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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX ( Original Creditor:XXXX XXXX XXXX A XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX ( Original CreditorXXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Early Warning Services, LLC
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:
I sent a letter out on XX/XX/23 to Early Warning regarding the following account : XXXX XXXXXXXX. Here is my tracking numberXXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I want to know who did they talk to How did they complete this investigation Be advised that that both XXXX XXXX and Early Warning have failed properly investigate and ensure that my credit card is 100 percent accurate. Im tired of going back and forth trying to fix stuff due to my identity being stolen and my accounts tampered with. I would like to resolve this issue without a lawyer. I received a letter saying it was blocked but in fact it remained without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX ( Original XXXX XXXX XXXX A XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX ( Original Creditor:XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}

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 2022-03-04
Company: Credit Karma, LLC
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I used Credit Karma ( CK ) tax to file my taxes for the year XXXX. I had issues with linking my personal bank account to direct deposit my federal tax return. So, I could either have a check mailed or open an high yield savings account with CK. I gave the latter a try. Sometime at the start of XXXX, I requested that Credit Karma close my Credit Karma savings account and send me a check for the funds ( {$490.00} ). 

CK will only allow one bank account to be linked to their savings accounts. I did not realize when I selected the savings deposit, that the IRS/government account that paid out tax returns would forever be the account linked to my savings and I could NOT change it. Therefore, the only way for me to receive the account holdings was via check, which I specifically requested. 

CK closed BOTH my savings account AND my entire CK account. AND they returned the money to the linked IRS/government account, NOT a check to my listed home address like I had asked. 

On XX/XX/XXXX, I filed a case with CK trying to explain the issue. I asked to have my account reopened, tried to explain that I only wanted the savings account closed, and that I still hadn't received a check in the mail that I had asked for. 

They replied back stating that they had already resolved the issue and settled on XX/XX/XXXX to my external bank account. 

I replied that I specifically asked for a check to be mailed and that the linked account on file was not mine. 

They told me it sounds like I need help from XXXX XXXX. And then to get help from XXXX XXXX Taxes. There was some more back and forth trying to correct the confusion until I was told that they would have to escalate this issue to another department. 

XX/XX/XXXX, I received an email from CK saying that my funds have been returned to my external funding source. 

I replied that I would really like a phone number at this point to speak with a representative since email was proving to be useless at explaining my problem. 

I waited but received no reply. 

XX/XX/XXXX, I filed another complaint with CK. 

They replied with the exact same same response, that they returned the funds to the linked account. They also said that my account had been closed due to a party fraud project. 

I replied that I had not received any funds and if there was a phone number I could call. 

The last response I had with them said they could give no other details at this time and that they had the right to lock and deactivate accounts at their discretion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account showing incorrect balance. No update since XXXX XXXX. Contact institution as a courtesy to update my credit reports. Was told this is only down every 3 months or so for installment loan. I have significantly paid this loan down from {$10000.00} to just over {$5700.00}. Institution told me to file a dispute.

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 2018-09-02
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Looks like on XX/XX/2015 a loan for a car was made. The person who has the car I have never laid eyes on and I keep getting the bills to pay for this car. My name is XXXX XXXX XXXX and the name on the loan is not how my name is spelled or pronounced. I never gave permission for my credit to be checked and the loan is showing up on my credit report. The person has now moved and I am having to pay for a vehicle that I do not own and that is not fair. It is showing according to the company that I am the buyer and the other individual is the co-buyer. Like I say I have never seen this car or the person who is showing as co-buyer. This needs to be fixed. I am very upset about this. Want this removed from my credit report since I have no idea of the person or the car. The finance company is XXXX XXXX.

Company response to consumer: Closed with explanation