BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX GROUP XXXX {$51.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am troubled to note that my credit report, which previously reflected positive payment history, has suddenly been updated to include inaccurate late payments. I am confident that this information is incorrect and should not be reflected in my credit history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have maintained a positive payment history, and there have been no instances of late payments during the specified period. I am seeking your assistance in conducting a thorough investigation into this matter and correcting the inaccuracies on my credit report. The inaccurate reporting is not only damaging my credit score but also misrepresents my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: LEXISNEXIS
State: VA
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
MY ONLY NAME IS XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX REMOVE ALL OTHER ADDRESSES... THEY ARE NON MAILABLE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Had an IRA account at State Farm Bank containing XXXX CD 's. State Farm said they were getting out of the " banking business '' and thus transferred the account to US Bank without letting me choose which bank my account was transferred to. State Farm did not have fees for IRA accounts, but US Bank is now charging me an annual fee of XXXX dollars for my IRA account. I have called XXXX  times and was told it's their policy because my account is under XXXX dollars or I need to open a star checking with so much in it to wave the fee. They also stated that if I transferred the IRA account to another institution, they would charge me over XXXX dollars for transferring the accounts and early withdrawal. First, I believe that this fee is wrongfully applied because I did not choose US bank for my IRA and did not pay a fee at State Farm before they transferred, nor can I afford to open an additional checking account. And second, there is no option for me to met their criteria for waving the fee because I can not add to my IRA ( XXXX and not working ) and it will be a financial hardship to transfer the account. Lastly, this policy from XXXX band puts me under duress to pay the fee and adds considerable stress.

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 2018-12-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I cosigned for a car XX/XX/XXXX from Santander Consumer USA. I found out the person who I cosigned the car for wasn't paying the note so I put the car up for voluntary repossession approximately XX/XX/XXXX. The person ended up skipping town with the car and on XX/XX/XXXX he was arrested for XXXX XXXX XXXX in New Mexico. The crime happened in XXXX, Arizona so the car and the young man were transferred there.  The car was involved in the crime thats why they took the car as well. I've been in constant contact with Santander to try and get this issue resolved. I've also been in contact with the XXXX  County police department in regards to the car. They had told me they couldn't release the car until the trial was over. The trial ended sometime in XX/XX/XXXX and I was able to get the location of the car and a case number for Santander to pick it up. I also spoke with the detective who has been waiting for Santander to pick it up. During these past few years Santander has not sent me any mail regarding the car, no bills nothing. Ive had someone work on my credit and Santander was supposed to send a letter back within thirty days and I never got anything from them. I get no type of communication from them. I called Santander today just to get my account number. They explained to me they have been trying to get in touch with the officer who has the car and that they had been calling him when I asked when they called they hung up on me ( XX/XX/XXXX). I I had told them once they get the car back we could work out something because im trying to buy a home and this is the only thing stopping me. in the year XX/XX/XXXX they reported me late on this car payment three times which makes no sense because it hasnt been paid at all. It should be late 12 months. Im trying my hardest with them but I never get anywhere. They dont seem to want to pick up the car and they dont seem to want to communicate with me about it.  The situation is pretty unfair and im trying to resolve it but i keep coming up short with these people. I have no documentation except police reports and a few bills from when I first got the car but other than that they have not sent out any correspondence in regards to the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : -, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX A XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on 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 2022-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-12-12
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I do not recognize, and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion 2 ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Transunion 3 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Transunion 4 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Transunion 5 ) XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Transunion 6 ) XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX, XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-12-29
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:
Take a look at the attached documents. I want the bureau to commence an investigation into these accounts, as I am never late, yet they are being reported as such.

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 2023-12-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: LEXISNEXIS
State: WI
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:
It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 reverse the late payments reported on the following accounts : XXXX XXXX and XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2018-12-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA
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:
Company reported me 30d late when I was not. My XXXX report indicates the delinquency on the month of XX/XX/XXXX reporting which indicates that the XX/XX/XXXX payment was delinquent ( due to 1 month in arrears reporting ). I made my payment, which was drafted from my bank account on XX/XX/XXXX. I attempted to dispute the delinquency of both XX/XX/XXXX and XX/XX/2018. The company sent me a generic letter advising that they were reporting accurately. THE LETTER GAVE ZERO DETAILS. what month did they research. What was the date of payment receipt? Date of phone pay? I reiterate that I was told by the representative whom confirmed with their manager that I would not be reported delinquent on either my XX/XX/XXXX or XX/XX/XXXX payment ( not sure now that the report is saying XX/XX/XXXX late ) There is recording of my conversation and my multiple reassurances that there wouldn't be any negative reporting when I spoke to them in XX/XX/XXXX. I also believe that they took an alternative ( manager approved exception ) payment method of credit card as opposed to their standard check/bank account transaction. 

Responsible Servicing- inaccurate information provided multiple times which caused me financial harm FCRA- previous response did not address specific items disputed, credit report was not suppressed for 60d after the dispute, & request for the CBR research department to remove the XB dispute notation not fulfilled ( on recorded call when I initiated the CBR dispute )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
Delete Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Mger 15 USC 1681 .

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: CA
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 complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief