BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: EQUIFAX, 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:
Please Help me. This item has been repeatedly submitted to the credit reporting agencies. I have given them proof of the item being paid in full. In speaking with the original collection. agency, they said the paid in full update was submitted to the credit reporting agencies at least 4 times and this collection has remained incorrect for over 2 months. I do n't want to take legal action yet. I do n't know how these credit reporting agencies could have verified the accuracy of the account when the collection agency has repeatedly updated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Name : XXXX XXXX XXXX SSN : XXXX Date : XX/XX/19 Re : " National Credit Adjusters ( XXXX XXXX ) '' Phone : ( XXXX ) XXXX This account was recently reported to all 3 Credit Bureaus. The alleged balance is {$350.00}, however I have never had any business or association with " XXXX XXXX XXXX. '' I have yet to receive any debt validation letter either. This account is listed as a negative item and has impacted my credit score adversely. I am asking that this account be removed ASAP and that my credit be remedied accordingly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-03-27
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: Was not notified of investigation status or results

Complaint:
Im reaching out about Transunion consumer reporting agency and the lack of transparency XX/XX/XXXX I sent disputes about unlawful late payments and unauthorized inquiries that were reporting that I did not sign for anything thats not attached to an account is not authorized by me and there for fraudulent which is identity theft, Accounts # ( XXXX XXXX XXXX  ). I was never notified of an investigation or findings about either of these disputes. Late Payments are illegal according to Cornell Law 15 USC 1681A ( 2 ) ( a ) ( i ) It states *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report. 
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 I need all unlawful and inaccurate information deleted and updated to not return

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. 
I have also asked them several times to provide verification methods and they have ignored me it been over 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 non-monetary relief
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2019-01-19
Company: EQUIFAX, INC.
State: ID
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:
I believe I complained about Equifax, XXXX & XXXX but now there is more. Short overview. I sold a house XX/XX/2018. XXXX  XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a XXXX  balance. I saw a document on one of the bureaus that stated I have a XXXX balance with them but yet that same bureau shows I owe XXXX XXXX over {$58000.00}. 
I will enclose my letter from XXXX  XXXX that states I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
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 I HAVE AND DID NOT RECIEVE ANY GOODS OR ATTEMPT TO OBTAIN ANY GOODS FROM THIS COMPANY. 

THE ACCOUNT WAS FNB OMAHA IT IS REPORTING ON MY CREDIT REPORT TWICE AS REPORTED LOS/STOLEN I HAVE NOT DID ANY BUSINESS WITH THIS INSTITUTION OPEN XX/XX/2022 BALANCE REPORTING {$5700.00}

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 explanation
Consumer complaint received 2019-01-20
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX, I applied for credit over the internet with a salesman from XXXX website, the used car had to be transferred from NC at no charge. Rate quote received 11 %. Once ( 2010 yr ) car was delivered to Georgia, my original salesman no longer worked there, a new salesman and manager informs me rate changed and is now 26. 9 %, now required {$800.00} down payment. Sales manager told me I could refinance the  rate because he couldnt get the old one back. I trusted him because he said advised me that was what he did when he purchased his car from XXXX. Unfortunately, I could not refinance the car and the three day return option had expired. The payment I was obligated to make for 73 months is {$590.00}, the loan amount was {$21000.00} including title and transfer fees. I am a single woman who was profiled and discriminated against when XXXX used unfair, deceptive and abusive acts against me. I have been struggling to make this payment to Santander Consumer USA for 3 years. I have made {$18000.00} in payments ( to date ) for this loan and I still owe {$19000.00}. Less than $ {$2000.00} has been applied to the principal balance. My credit is effected by this. I have even lost my job and my home. I have made several complaints to both XXXX for predatory lending and discrimination to no avail. I hold XXXX responsible because they had offered me a lower interest rate beforehand and when I arrived I was pressured to buy now or XXXX could not hold the car for me. I did not understand this since I had waited for the car to be delivered from another state. I also traded in my vehicle I owed a title loan on. I was only given the amount of the title loan for my trade. I also believe this was unfair and deceptive. The payment amount provided when using their ( XXXX ) calculator was {$540.00}, on their website, using the same terms, is less than my required payment. Santander not XXXX does not explain truth in lending as required to consumers. I now understand Santander has been charging me the usurious interest rate 27.9 % plus that of % 13.99 each day for simple interest. XXXX did not show me my credit scores, so I pulled them as was advised car dealers repeatedly pulled my score in order to lower the score in order for their system to increase to the rate they gave me. I would like this investigation to help consumers like myself be able to see what the Auto dealers are doing when they take your personal information and request credit and receive results. I would like to have both companies held responsible for discrimination, predatory lending, truth in lending disclosures and UDAAP violations. I would like this contract to be dissolved and credit for payments to principal to be applied at the initial interest rate quoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My house has been sold and the Amount deposited on my Account bank of America ( Attached Transaction Statement {>= $1,000,000} ) it is landed in my account on the XXXX XX/XX/2023 in addition to my original amount which already inside the bank {$29000.00} ( statement attached ). 

After selling the house I traveled to XXXX XXXX because I have intention to buy house and living with My niece ( her name already registered in my account as a beneficiary ) so we made the first transfer {$500000.00} which was on XXXX XXXX ( attached transaction statement ) and it is landed in her bank account XXXX XXXX on the next day XXXX XX/XX/2023. 
the rest amount in Bank of America was XXXX, XXXX and I intend to make another transfer to my niece bank account XXXX in United States, two times Attempts of transfer with no success ( attached 2 online transfer requests of {$500000.00} which has been canceled ( No. XXXX on XXXX XX/XX/2023 & XXXX XXXX XXXX XX/XX/2023 ) this transfer after cancelation should be return back to my account automatically!!!! but what is happened is the bank locked my account and requested me to call the customer service and I can not access my online banking for one month, many times after XXXX XX/XX/2023 I tried to speak with them to solve the problem but with no success saying they could not verify me and they will send me XXXX mail for verification and after receiving this mail they can assist ( calls recorded ), I did not receive any mail during this time, so I called them again on XXXX XX/XX/2023 and they pushed my back from one to one and after giving them all the requested information I can login my online banking on XXXX XX/XX/2023, but it was big shock when I discovered my balance with a huge shortage amount, it is supposed to be as I left it last time XXXX, but the amount was only {$380000.00}, the shortage amount now is {$230000.00}. 

There were XXXX with drawer by XXXX XXXX which I never has any idea about!!! ( {$500.00}, {$900.00}, {$800.00}, {$800.00}, $ ) XXXX = {$3000.00}. 

There were XXXX drawer by XXXX XXXX, which I never has any idea about ( XXXX + XXXX XXXX XXXX ) = {$100000.00}. 

There were two Withdral by XXXX  ( XXXX + XXXX ) = {$1000.00} There was one Withdrawal by XXXX {$500.00} Costumer service transferred me with claims office and they sent me the last statements during the month which I never can access my online banking ( statements attached ) please treat this as priority because there is Fraud on my account and I am requesting urgent investigation.

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 2022-01-04
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XXXX XXXX, 2020, CAPITAL ONE add a hard inquiriy on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2020, CAPITAL ONE BANK USA add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2020, CAP ONE NA add a hard inquiry on my credit report per XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2023-08-07
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Eaton Group LLC in XXXX XXXX has recently sent a garnishment to my employer. The garnishment is for an XXXX store card in which I never had or applied for. Now i have contacted all 3 Credit agencies and this store card was no where to be found on my credit report. I also contacted XXXX XXXX which owns the XXXX XXXX card and reported this as fraudulent. The Eaton Group LLC has not had good standings with the XXXX  and most of the bad complaints are like mine in that the Eaton Group LLC is persecuting people for debts not really owed. 

XXXX XXXX  did tell me the card was taken out in my name and is investigation th allegation, when i tried to receive help from the Eaton Group LLC it fell on deaf ears and they were extremely rude. Ponzi scheme if you ask me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
my consumer rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ). calling me late at night, while at work, during the parent-teacher meeting for my child, I send a cease and desist letter and validation for Eastern Account system debt collector to stop harras me and my family with unconsented phone calls down below will submit the proof of letters that were sent to the debt collectors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

I have included the identity theft 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 non-monetary relief
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with a fraudulent collections and fraudulent unauthorized 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 2018-09-05
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint against EXPERIAN. This is regarding the XXXX ACCOUNT ref # XXXX. This account was disputed to Experian on two occasions. This items has been been disputed to other bureaus and was already removed by Experian. It was re-inserted on my credit report without notifying me. I did not receive any notification in any form. Aside from that, this account is being reported with incorrect balance, status and inaccurate payment history which violated FCRA.

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 2023-06-29
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX, XXXX, XXXX and XXXX I repeatedly requested a payoff sheet and a statement from flagship credit acceptance. I have spoke to managers and staff alike and nobody can figure out why I can get the repo threat letter but no statements or any contracts that flagship received from XXXX. I wanted to confirm they had all of my documents and they refuse to produce all the documents they received from XXXX XXXX or even whatever ever documents are in my files. Nobody has been able to help me.

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