BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is refusing to remove FRAUDULENT information from my credit report. This is a direct violation of FCRA 605B, Equifax received my FTC Fraud Affidavits attached to this complaint on XXXX, ( 14 ) days ago. 

FCRA 605B states the following, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 How can a consumer reporting agency blatantly ignore laws they are required to follow? Remove this information now, or I will file suit and pursue this in the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My Home Depot Account ( Citi Bank ) was part of the program At some point Citi sold the account to XXXX XXXX XXXX. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be XXXX XXXX XXXX. XXXX XXXX XXXX more specifically XXXX and XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact XXXX myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by XXXX their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the first of XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive

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 2023-09-04
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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 act this creditor violated my rights under 15 US C 1681 a I have the right to privacy. After careful review of my credit report I noticed several inaccurate information and also saw accounts I have no knowledge of I did submit disputes on all accounts that I viewed as being fraudulent and requested they be removed Because of the mistakes on my credit report I have been wrongfully denied credit and also denied for apartment rental screenings which was extremely embarrassing and negatively impacted my lifestyle. I asked these credits to provide me with written consent from me with my signature and address which I never got back from them all I saw on the report was my dispute was denied and deemed accurate which is not the case there are addresses and places Ive never lived on these reports. 

Report # XXXX Acct XXXX Creditor XXXX XXXX XXXX This account is listed as being late more than 90 days I account does not belong to me. 
Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX This account is listed as being more than 90 days late this account does not belong to me. 

XXXX XXXX XXXX  Acct # XXXX This account is listed as being more than 90 days late this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I had a balance assist with bank of America for {$500.00} I have hit some financial trouble I'm XXXX XXXX right now and was unable to make the payments recently I deposited some money I got from my ex to buy my daughter clothes they took XXXX on XX/XX/2022 most of my money that was deposited in my account and left me {$8.00} in my account I called them and they wouldn't give me back anything I said just take XXXX they were not willing to do anything or work with me in any way they absolutely didn't care at all

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 2022-02-13
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: Account information incorrect

Complaint:
The following accounts are showing balances and it's deferred which is incorrect. All my student loans were transferred to XXXX XXXX XXXX services and the the following should reflect a {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} Status Date Reported XX/XX/XXXX Payment Status Current Account Details Account Type XXXX XXXX Individual Original Loan Amount {$8500.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1600.00} Status Date Reported XX/XX/XXXX Payment Status Current Account Details Account Type XXXX XXXX Individual Original Loan Amount {$12000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment Not Reported Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments 100 %

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 2018-08-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to XXXX and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both Equifax and XXXX. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
I notified the credit reporting companies that the information on my report was inaccurate and asked them to correct it. However, over 1 year later and only XXXX credit reporting agency removed the accounts from my report. The accounts are collections accounts and they are not mine. I have asked the company to provide proof of ownership put they can only provide me with a statement from another company, which is not them. I do not owe the debt, pursuant to 18 USC 8. This company is violating my consumer right to privacy, 15 USC 1682. 1b.

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 2022-10-15
Company: EQUIFAX, INC.
State: DC
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:
Upon reviewing my reports, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$970.00} ; XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$46.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: SC
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:
To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete ) Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( inaccurate please delete ) Account Name : PXXXX Account : XXXX PAST DUE BALANCE : {$1100.00} ( inaccurate please delete ) This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2023-08-02
Company: CITIBANK, N.A.
State: AR
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 contacted XXXX to advise them I need a letter of deletion to submit to XXXX due to this being a fraudulent inquiry. They were not helpful in providing that information. I have several other inquires from other lenders as well documented below. I file police report on XX/XX/XXXX to support claims. 

All fraud began XX/XX/XXXX - XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have not received any response from credit bureaus regarding this account : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by XXXX  is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, Equifax is reporting it as US DIST CT, and XXXX is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my second attempt to fix inaccuricies on my personal credit report, the first time I initially did this was on XXXX of XXXX, in which the CFPB has record of my complaints filed. In return of the CFPB 'S investigation the credit burea 's Transunion and XXXX both failed to correct the inaccuracies stating they could see what I was talking about but didnt believe I was actually the one attempting to get these inacuracies corrected. In which when they received my letters of complaints i also submitted my signature in blue ink on each letter in which i was stating the issues and inaccuracies. its is still listing several accounts and items i have deemed inaccurate supported by UCC11 searcg aswell as identity theft report stating the various things in initial letter as well as second attemp letters provided with the report as of XXXX. These items supported by consumer law do not belong on my report as i've also provided current and updated documentation to support such complaints and claims. 

ALSO THE TITLES OF THE LETTERS ARE ONLY HOW I SAVED THEM IN MY LAPTOP SO I KNOW WHAT DOCUMENT IS WHAT

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 2023-09-04
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters about the alleged auto loan from Santander. They have been ignoring me for months. I asked them to prove and provide detail information that they gave me a auto loan. This was in fact a credit sale transaction, they have closed the account out and written it off as a charge off. Somehow they are still trying to collect from me. This information is NOT accurate and is causing me harm on my credit report. Only true and factual information should be reported on someone's credit report. I am not able to use my credit to purchase another auto due to this reporting on my credit file. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2023-04-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation