BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-05
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: Information belongs to someone else

Complaint:
I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX,  XXXX. XXXX  XXXX/XXXX. Inquiries : 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I WAS GIVEN A NEW CAR LOAN BASED ON AN INTERNAL CREDIT SCORE USED BY THE COMPANY SANTANDER. NO INCOME WAS VERIFIED N. I ONLY FILLED OUT AN APPLICATION AND PUT DOWN XXXX DOLLARS. T I AM SELF EMPLOYED. IDINT PROVIDE BANK STATEMENTS OR TAXRETURNS NOTHING I WAS EVEN ABLE TO WALK OFF THE LOT WITHOUT PROVIDING MY SOCIAL SECURITY CARD. WHICH I WAS TOLD TO FAX IN THE NEXT DAY. I WAS NOT AWARE OF THEM USING THEIR OWN INTERNAL SCREDIT SCORE.WITHING THE FIRST 45 DAYS I STRUGLED TO MAKE PAYMENTS 2 YEARS LATER AFTER BEING IN DEFAULT MY VEHICAL WAS REPOSSED. THERE IS A MULTI STATE LITIGATION AND SETTLEMENT IN WHICH I FELL INTO THE GUIDELINE OF THE THE SETTLEMENT WHICH MEANS I SHOULD HAVE BEEN ABLE TO KEEP MY CAR AND SENT THE TITLE OR HAVE THE LOAN FORGIVEN AFTER REPOSSESION. NEITHER WAS GIVEN. I HAVE CONTACTED SANTANDAR CONSUMER REGARDDING THESE LIES. THE EVEN FALSIFIED PAYENTS IN MY PAYMENT HISTORY THAT MAKES IT LOOK LIKE I MADE PAYMENTS AFTER I MADE THE LAST PAYMENT. THIS LOAN FALLS WITHING THE TIMEFRAME OF THE SETTLEMENT I ALSO HAVE BANK STATEMENT THAT SHOWS MY PAYMENT HISTORY TO SANTANDER AND HOW IT DOESNT MATCH THE RECORDS OF THE TRANSACTION HISTORY THEY FALSIFIED ALSO INMY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had 2 bills from hospital which was listed on my credit bureau of {$280.00} and {$830.00} but sequoia finance has keep adding interest raise the bill to {$380.00} and {$1100.00} and listed on my XXXX credit Breaue which is wrong. I have not knowingly paid {$400.00} for the first bill settlement I need them to correct the bills amount and to refund the money that I paid them more than I owe.and even they had hard inquiry on my credit report without my authorization when I call Sequioa fianc why would you made my hard inquiry on my credit report then they said they have a right to do and I told them that the conversation is been recorded and I will report this then he said he will remove hard inquiry.this is act of fraudulent trying to take more money then I owe some one has to take action on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Lane Bryant on this alleged debt. 

Violation 15 U.S. Code 1692 ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I did not give Lane Bryant permission to discuss my debt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Bankruptcy XXXX  XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Privacy and Confidentiality under 15 USC 1681 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. 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. Accounts need to be removed from 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 2022-04-27
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our current mortgage is through BSI financial. We were in the process of a loan modification and have attempted to contact our contact for nearly a year without any response. 
We finally received documents to sign for the modification and noticed an error. We attempted to contact our contact at BSI but we could never get a return phone call. After many attempts we were able to speak to someone who advised us to sign the paperwork and the underwriter or the agent involved would let us know if it affects the process in any way.

We signed the paperwork and the loan modification did not go through. In good faith we continued to pay the agreed upon loan amount for months. On two separate occasions we were sent to collections by BSI. The first time they fixed it but they have yet to fix it again and list us as delinquent on our payments. 
We just received new documents to sign for the loan modification and have asked for a break down of some amounts that are listed there that we owe and are going to be attached to the loan. To date no one will get back to us and no one that answers is able to explain what those amounts are and how they were calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: HANCOCK WHITNEY BANK
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I took over a loan with Hancock Whitney Bank back in XXXX that my father had and he passed away in XXXX. 
XXXX XXXX from Florida office is the financial banker or officer for their business loans. The year I took the loan over after I had been running the business for 8 years for my dad, we went through and changed the loan in my name a few months after his death. We done a appraisal which was almost XXXX dollars that I paid for and she told me the loan would be redone in a year but I would not have to pay for a new appraisal. When XXXX came time to redo the loan for 3 years I had to pay another almost XXXX for a new appraisal that was exactly the same appraisal done in XXXX. Also in XXXX we done title apps on the mobile homes which the bank had only XXXX on the loan. I asked her and she said the extra ones were in case they messed up a title app that I wouldn't have to come to XXXX to sign another one. That was not true they tried to include all 26 mobile homes on the loan for collateral. I called her and she said they did have all the trailers on the loan and I said no its only 17 Trailers. She called me back and said I was right it was only 17. She never sent the title apps so I could get the trailers in my name with them as lienholder on the 17 trailers nor the extra 9 that they tried to add. I been having trouble getting power cut on and have not been able to get the power on them to rent them. They was suppose to have fixed this and did not. I hired a law firm XXXX and XXXX in XXXX Mississippi and it was agreed that hancock whitney bank would correct everything but I was to sign paperwork Stating I would not pursue hancock whitney on anything but that was agreed that hancock whitney would correct everything. They have not corrected it and I paid the loan off with hancock whitney and refinanced with another bank. I paid them off the XXXX of XXXX and the new bank has not received the release showing hancock whitney has no lien and thats been almost 2 months. Hancock whitney has not only made it to where I cant get power on at my trailers to rent them they have lied and been very unprofessional with there banking practices with me. I paid them off and want my titles and the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
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 submitted my letter to all three credit bureaus to fix an error on my credit report in XXXX but they still have not responded or corrected the mistake.

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 2023-08-23
Company: EQUIFAX, INC.
State: NV
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Target contacted my mother who has the same name as me. They threatened legal action and harassed her ... even though she advised them that she did not have a Target Credit card and owed them no money. They insisted that she did and told her they were going to sue her and threatened other legal action if she didnt make a payment. 
They did not confirm her identity and proceeded to disclose the amount of money owed them. This violated my privacy and caused a rift in my family as they were upset that I had foolishly gotten myself in debt. 
My debt counselors advised me not to have any verbal contact with my creditors through this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: LEXISNEXIS
State: PA
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:
Lexis Nexis has knowingly and without lawful authority stolen my identity, created a profile with my likeness and produced an item under the guise of " predicting risk assessment ''. They have proceeded to furnish this information to various entities all while profiting tremendously. As a consumer, I am aware of there being no statute of limitations on fraud. How is this fair and equitable to me as a consumer? I am also aware of various laws in place to protect me as a consumer. These fraudulently created and furnished reports contain my social security number. I am sure Lexis Nexis does not have the required forms provided by the XXXX : XXXX No. XXXX or XXXX  XXXX signed by me in their possession. All of the fraudulent information they have produced and provided under the guise of being me has caused me severe financial harm and stress and injury. I am looking for remedy immediately in the form of check totaling {$7500.00} made payable to me within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX, US Dept of Education XXXX XXXX XXXXXXXX XXXX XXXX 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 a 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 non-monetary relief