BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items were100 % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX BANK Account number XXXX Account name AXXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : 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 2023-11-20
Company: EQUIFAX, 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:
account number XXXX XXXX XXXX  63 months the account is currently showing closed but appears as a negative entry on my consumer credit report THIS is a direct violation of the credit reporting act 15 usc 1681 and the Graham Bailey Act i have no knowledge of this account and the company failed to provide each of these things as I REQUESTED IN WRITING : THEY HAVE COMMITED IDENTITY THEFT, VILATED MY RIGHTS TO PRIVACY AND MY CIVIL RIGHTS AS IT PERTAINS TO THE FAIR CREDIT ACT 15 USC 1681 ( 1 ) There was no validation of the debts by actual accounting ( XXXX ) There was no validation of each creditor 's claim against me as my name as its listed is a fictious entity. I XXXX XXXX, currently of SOUND BODY AND MIND STATE THAT you must delete the entries on my consumer credit report due to identity theft in that you are in direct violation of the Fair Credit Act ( XXXX ) : No signed invoices EXIST ( XXXX. ) There was no binding contract by both parties sent by certified mail so that your verification of the delivery has been made by a unbiased party. ( XXXX ). There is no wet ink signature by both parties ( XXXX ) or ANY OF THE SO-CALLED CREDITORS was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs because a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore, no legal entities or a third party can collect on their behalf. Furthermore A crime of forgery has been reported to the local authorities against your clients by Myself and there is an open civil proceeding in the county court in which the case number will be referenced once legal action is taken against your client and an identity theft report will be sent to you via the proper mailing procedure to ensure you are following the Laws as referenced in the Fair Credit Act THE COMPANY SOLD INFORMATION WITHOUT MY WRITTEN CONSENT FOR PURPOSES NOT ALLOWED BY THE LAW ( See the federal trade commissions notice of penalties offenses regarding non affiliated third parties ) If you receive NPI from a nonaffiliated financial institution, your ability to reuse and redisclose that information is limited. The limits depend on how the information is disclosed to you. It does not matter whether or not you're a financial institution If you share their NPI with nonaffiliated third parties outside of three exceptions ( see " Exceptions '' ), you must give your consumers and customers an " opt-out notice '' that clearly and conspicuously describes their right to opt out of the information being shared. An opt-out notice must be delivered with a privacy notice, and it can be part of the privacy notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is placing false and erroneous information on my credit report. Previous to them another company attempted the same thing. There seems to be a pattern to this and they are trying to get money fraudulently.

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 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2018 Capital one bank reported unrecognized hard inquiry on my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this dispute because I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I see a lot of inaccuracies on my credit report after reviewing it. I am verifying that this is me who is disputing these items. I need this removed asap.

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 2021-11-09
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
Santander Consume USA is reporting on my credit report as a past due balance on an auto loan that was totaled. Santander entered a class action law suit. Santander practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to Santander Consumer USA on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, Santander is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. Santander has yet to respond to my request. Please have this account removed as I am in the process of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NC
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2020-09-28
Company: ID Analytics, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on black market sites and the fact my information was compromised in the XXXX  data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I attempted to purchase a XXXX XXXX and XXXX XXXX at XXXX XXXX, they didn't have them in the store. I never left XXXX store with merchandise. I decided I didn't want it delivered because Best Buy had lost my Brothers Printer and destroyed my XXXX XXXX during XXXX deliveries. I decided I will pick them up from the store if available. Due to catching XXXX I wasn't able to pick the order up because of being quarantine. I've reached out to XXXX XXXX numerous times to say I wasn't feeling well and they said they will credit my account. After noticing being charged but not creditied on the statement. I spoke with XXXX at Citibank to file a dispute in XX/XX/XXXX on my bill. Citibank refused to take a charge dispute complaint and said I had to go to the store because it takes too long to dispute a charge. XXXX the manager gave me a copy of my orders and said I wasn't being charged on my credit card. I followed up with Citibank and XXXX said the dispute was resolved XXXX. I asked her did she need copies of XXXX final receipts, she said no. I asked to close the account. In XX/XX/XXXX, instead of getting a {$0.00} balance Citibank refused to resolve the issue, they mislead me to believe they resolved the matter and I'm still fighting late fee, interest charges to merchandise I don't have, harassment XXXX and Citibank has destroyed my credit. Citibank called themselves doing a dispute investigation in XX/XX/XXXX but it's no signature of me authorizing the charges. Citibank destroyed my daughters credit too by putting erroneous charges that belonged to my dispute on her credit report. I've asked Citibank to close ALL the accounts I have with them including XXXX because they make too many errors and do not protect the creditor. I have copies of all the information concerning this complaint. I want Citi to repair my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This account is fraudulent. At the time I was married and my Ex-husband had access to my personal information and my SSN. And from reviewing my credit report this company is saying that I just started this account. Which is not possible because I haven't tried to open up any kind of credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
I had a business credit card account with Suntrust. I received the credit card with my account number and setup automatic payments as I always do. However, when Suntrust became Truist ( XX/XX/2022 ), I never received a new card nor anything with the actual account number on it so I was unable to reset my password or call in. When I did reach an actual representative, they were unable to find the account with my XXXX or XXXX number. It wasn't until I received a collection letter dated XX/XX/2022 that I obtained a document that had the actual account number on it.

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 2022-08-29
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, During the COVID-19 crisis, I made over {$15000.00} of payments towards my student loan and now it's looking like I will be laid off shortly. I need to retrieve my last 8 payments made within this last calendar year to make sure I have money if I'm unemployed. I tried contacting my loan servicer Aidvantage, and it took 2 hours to get a hold of someone and they hung up on me mid-call. This happened again 45 min later .... Then the automated machine would simply end my call. This was all during business hours! I finally got a hold of someone again after being on hold for 2 hrs and 13 min and made my request. They said there wasn't anything they could do and they'd follow-up, as they need 6 weeks of approval time! Why would my money take 6 weeks to get back to me and possibly be denied on top of that?! The law is clear, I should be entitled for repayment of my payments made after XX/XX/XXXX. Aidvantage is not cooperating with me. This was all requested on XX/XX/XXXX and I have left them several emails, only to be ignored. The emails were sent XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Exeter Finance Corp.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

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 plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Bread Financial 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:
XXXX XXXX XXXX is on my credit history and have no clue why its been on my credit report I lived with some people during these things on my credit report occurred on my credit history in my birth certificate and social security card and Id got stolen from me in then started realizing that there was all kinds of credit card was applied for under my information in then my credit is ruined because of other people who still peoples identity its sad how people are now days I shouldnt have to struggle to get this XXXX off my credit history because of how hurtful someone would just steal someone identity in use the person information just so they can get people thinking that its the person whos identity who was stolen in then takes forever just keep disputing the things I didnt apply for or had nothing to do with still struggling after a couple years of constantly getting it off my history people just dont care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Huntington Bank closed my checking account on XX/XX/19 which has a balance of {$2000.00}. I contacted them to see time frame I will receive my remaining funds in account. Huntington reply funds were removed from closed account and no notes on issue check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 
I would like for the company to delete all references to the account from my profile within 15 days. 

Tracking number for 1st letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-06-10
Company: CITIBANK, N.A.
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have tried to close my account and receive my {$100.00} balance three times. Every time I call them they say they will close it, but then I check online and my account is still not closed. I requested the account to be closed and requested that they return my {$100.00} balance.

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