BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is not reporting my payments im making on my loan, to the credit reporting agencys, they have not corrected my credit report, that i have been paying on time and i am not delinquite on my loan. They are still showing me delinquite and, when i contacted them, they told me that they dont have to report anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NY
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. XXXX Accounts with XXXX XXXX XXXX  were open jointly and fraudulent one in the amount of XXXX dollars and the other in the amount of XXXX dollars. I want these accounts deleted and removed.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX BANK NA ; Account Number : XXXX ; Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-11-11
Company: EQUIFAX, INC.
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:
XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Charge-off< Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: LEXISNEXIS
State: UT
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:
XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX Loans put me in the COVID CARE ACT refusing to accept XXXX/XXXX payments, marked late on my credit reports, sold the loan to XXXX XXXX  as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to XXXX XXXX in XX/XX/2020 along with the XXXX payment to bring the mortgage current. XXXX also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is Homeless with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Charge-off< Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Transunion are showing my XXXX  XXXX XXXX  card beginning in XXXX as being closed and it is not closed. This account has never been closed.

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 2023-03-29
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: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. Please see this account is corrected : XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX  {$30.00} ; The credit bureau is required to authenticate this account. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please update. this account XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  {$0.00}.

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 2019-06-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have a credit monitoring service through Experian. Each time I go their site to check my credit, I am bombarded by credit solicitations. A couple of months ago, I went to their internet site to check something and received a messages stating ( paraphrasing ), '' your credit would be better if you had more credit sources '' - and it gave me several credit cards it recommended. In another message I was told, " based on your credit information you would benefit from a new credit card that would allow you to consolidate your balances and make no payments for 12 months ''. I never carry a credit card balance, but this seemed like an easy, no interest " loan '' and I applied to the XXXX XXXX card they recommended. I was subsequently approved. 

Immediately thereafter, my credit score plunged, solely ( based on their own communications to me ) based on the new credit card. Subsequently, I have had my credit limits on my other credit cards reduced due to the additional card and lower credit score. 

This is highly unethical and seems to fall under UDAAP and possible FCRA. I would never have even thought to apply for the card I did not need without Experian 's urging.

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 2022-11-11
Company: EQUIFAX, INC.
State: NC
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  ( Original Creditor : 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX was my previous complain where i cleared mentioned that my negative payment was reported to credit agency and i never talk about consumer reporting. 

could you please just be specific and clearly send me letter that you have reported all credit beauro to remove late payment mark .. 
in last response you said you did for XXXX only .. so can you please provide me response with all credit reporting agency. 

and also this is my 3rd complain for same thing and i dont get answer just story .. 
please look my previous complain and let me know if you requested to remove from all credit agencies or not?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: LA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: CO
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:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.

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 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Ive called several times to Bank of America on a XX/XX/XXXX I made a transfer to my credit card account instead of my savings for {$2300.00} I called the 4-5 times requesting my money be returned to me but I was told it fraud protection even though my checking account is with BOA I even called last week and a representative told me my would would be returned today Ive been waiting over a month for my own bank to return funds now I have to wait two billing cycles from my own bank

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 monetary relief
Consumer complaint received 2021-04-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - Nationstar DPA Mr Cooper - auto drafted our bank account 7 mortgage payments total of {$9900.00} causing our bank account to go in the negative over {$8000.00}. I spoke with customer service at Mr Cooper and they were little help as the rep could not explain what happened. I did also speak with my bank and filed with the bank these were unauthorized payment withdrawals. We are not set up on auto draft from our bank account nor would we ever allow 7 payments at one time to be drafted on our mortgage loan. 
Mr Cooper has since reversed the payments on XX/XX/XXXX. However - we were unable to access our bank account for 3 days due to being in overdraft. 
I am filing complaint to stop this from happening again to myself or someone else. A mortgage company should never be allowed to deduct payments from a bank account not authorized by a consumer. Glitch or no Glitch this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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: Reporting company used your report improperly

Complaint:
i have not supplied proof under the doctrine of estoppel by silence, Engelhardt. Gravens ( mo ) 281 sw 715,719. presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: Source Receivables Management LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identify theft. I had been notified of an account opened in my name. I called XXXX but was unable to close the account as I did not have the account number. Several months later I received a letter from a collection agency on the behalf of XXXX for {$960.00}. I sent in all the information including the police report. This was in XX/XX/2020. In XXXX of this year I received another letter from another collection agency on behalf of XXXX in the amount of {$5900.00}. I again sent in all requested information. Since that time the collection agency has reported this delinquent amount to the credit bureau. I have again sent letter and copies of all correspondence to both XXXX and the collection agency and have heard nothing from either company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX, XXXX, XXXX of XXXX after phone conversations with XXXX  XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XXXX and XX/XX/XXXX ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. 
I contacted XXXX, XXXX, Trans Union in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, XXXX, Trans Union. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XX/XX/XXXX and XX/XX/XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay XXXX, XXXX and Trans Union {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.

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