BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NV
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 paid rent to XXXX on XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX for XXXX years with no problem. Then out of the blue, while cleaning off my patio, I happened to have the need to go to the rent office to find out information about a previous resident/tenant. As a result, I was in a rush so I kept everything with me while in route to the rent office. Luckily, I picked up a washcloth with the items I was using to clean. While I was arriving towards the rent office to find out if the tenant who sold me my phones was currently living at the apartments, I covered the legal pocket knife that I was using to clean off the porch with my rag upon closing it. The leasing attendant noticed what I was doing and did not seem bothered by my actions. And a couple of days later I was surprised to see an eviction notice on my door. While they usually use those items to illegally threaten there residents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2015-07-27
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was in a car accident and was dealing with both my primary autoinsurance company and my GAP insurance. My primary paid a lump sumamount with a remaining balance of less than {$900.00}.. I was in discussions wwith my GAP insurance and had told all of this to the lender of my car. 
They had said to make a certain amount of payments.. one was approx. 
{$140.00} one month and then next month was {$200.00}. I was told that bydoing this, my account would stay in good standing while I worked outmy issue with the secondary insurance company. Each time indiscussion with Santander I made sure that by making these partialpayments my account would remain in good standing and notaffect my credit. Each time I was reassured that there would be noaffect on my credit and my account would remain in excellent standing. 
Now, after all is said and done, my account did not remain in goodstanding and my credit was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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 writing to formally request the removal of two accounts from my credit profile with Experian, which are causing a detrimental impact on my credit history. The accounts in question are listed with the last four digits XXXX and XXXX, and they belong to XXXX XXXX I believe that these accounts should be removed from my credit report as they have been discharged, and the IRS 1099 has been provided to confirm their status.

According to the information provided by the creditor, the debts associated with these accounts have been legally discharged. This discharge signifies the conclusion of my obligation to pay these debts. In line with this development, I kindly request that you remove these accounts from my credit profile and update my credit report to reflect their discharged status. This will accurately represent my financial situation and provide a more comprehensive view of my creditworthiness. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that your organization XXXX have violated these rights, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b. Let me explain why I believe these violations have occurred : 15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

15 USC 166b : This is a significant part of the FCRA, which sets out requirements for obtaining and using consumer reports for employment purposes. While this section may not be directly related to the issue at hand, I believe it is crucial to mention it to highlight the importance of accurate and lawful reporting, especially regarding discharged debts.

I kindly request that you investigate these matters and take prompt action to correct my credit profile. Removing these discharged accounts and updating my credit report will help me maintain an accurate credit history, which is essential for various financial transactions, including obtaining loans and credit.

I look forward to a timely resolution of this matter and request written confirmation once the necessary changes have been made to my credit profile. Thank you for your attention to this issue.

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 2016-09-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I 've been a Best Buy card member since XXXX. I always pay my bills on time and even pay more than minimum monthly payment. As of XXXX/XXXX/XXXX they reduced my credit limit from {$2100.00} to {$1300.00}. When I called to inquiry about the recent change XXXX XXXX, new applicant specialist, informed me due my credit report the company must reduce my credit limit. I explained to her the items are currently being disputed and her response was that does not matter. Best buy can not reverse decisions made. This is poor customer service and demonstrates best buy do not value good card members. Furthermore Best buy has failed to inform me of changes to conditions and terms.

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 2023-10-20
Company: EQUIFAX, INC.
State: NY
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:
N accordance with the fair credit reporting act convergent account # XXXX has violated my rights XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy XXXX XXXX. XXXX section XXXX Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
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 XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX XXXX INQUIRY, XXXX XXXX XXXX INQUIRY, XXXX XXXX INQUIRY, 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 2016-04-12
Company: Sarma
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Sarma made multiple hard inquires to all three credit reporting agencies : XXXX - XXXX, XXXX - XXXX, and XXXX - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. WHY is SARMA hurting my ability to move and making unauthorized hard pulls?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Personal information incorrect

Complaint:
personal information incorrect on credit report see attached.

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 2019-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2019 Capital One ask me to call them for a potential fraud on 2 of my credit accounts. I called and they wanted me to upload documents such as ( signed social security card & front and back of ID or drivers license ) to verify my authorized users that I had on my account previously and currently. I sent them 90 % of all the authorized users info but however I could not obtain the other Authorized users information because they would not send it to me. My issue is that this does not say this is required and that I have to provided this on the " Terms and Conditions '', this is a privacy issue and they were just under a cyber attack which was on the news in XX/XX/2019. They have restricted both of my cards but have not provided me with a reason and said it was not a fraudulent transaction. I was advised that it would be restricted until I send the documents for every single person that was on the accounts. I provided proof of their Authorized user terms on page 4 of the document I uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRUIST FINANCIAL CORPORATION
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:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed 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 explanation
Consumer complaint received 2023-06-24
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: Their investigation did not fix an error on your report

Complaint:
This is a follow up to # XXXX they results came back as not specified that is un acceptable and it should be delated off my credit report because they did not verify the account just saying not specified when i sent a letter from the court saying they don't report to no one on a bankruptcy, they are violating my rights i want this deleted off my 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 2022-03-18
Company: EQUIFAX, INC.
State: SC
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NY
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # # XXXX - XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX,, # XXXX - XXXX XXXX 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 permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX  does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXXTransferred account XXXXInnaccurate information Transunion shows XX/XX/2020 date opened and XXXX shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh Transunion and XXXX XXXX has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus. 
XXXX-Not my information XXXX- reporting inaccurate information with all 3 bureaus. 

.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-04-30
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this complaint in regards to Monterey Financial. First they call my cell phone multiple times and have never confirm I allow them to do so under the TCPA act this is illegal. Second they set me up on a payment plan which clearly states the date the payment is due and does not give a specific time. Today XX/XX/2021 they call me regarding my payment and they said it did not go through. I advise them it will be made by the end of the business day. The representative XXXX XXXX told me it had to be paid by XXXX XXXX  or they were going to reverse my payment plan and threatened to collect the balance in full. The agreement has not time on it as to when the payment has to be made and I offered to make the payment by the end of the day and she became difficult telling it would cause my assistance to be reversed. I do not appreciate and have been having issues with there staff since day one. I have asked to speak with a supervisor and one is never available. I have spoken with team leads and they do not resolve the issue, but make excuses why there staff did what they did. I work in this field as well and know my rights and feel they have treated me with the most un customer service like respect I have seen from a company in a long time. This 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 2022-04-26
Company: STERLING JEWELERS, INC.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never received any information about a payment being missed. I checked my credit reports and noticed that my payment history was less than 100 %. On my credit report it says that my most recent late payment was XXXX XXXX ago. This situation is really affecting me personally when trying to buy a house or a car and Im being penalized for a mistake that wasnt my fault. I mailed two letters to them explaining the situation and they said that they couldnt do anything to remove the late payment from my credit reports. They claimed that it was 30 days late and from my records, Ive never missed a payment. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation