BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-31
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was part of the class action law suit against Santander Consumer USA. I signed the executed agreement based on the terms laid out in XXXX 0f XXXX. In the agreement I would receive a financial settlement and in paragraph 3 Santander would remove all entries regarding the account from the credit bureaus. Santander agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that Santander refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact Santander they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage Santander has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted Santander they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states Santander should have removed this entry months ago with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no knowledge of this account and it keeps reporting to my credit report an the 3 credit companies will not help me remove this incorrect item

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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:
My name is XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my XXXX XXXX and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. This is also my second attempt to have these accounts removed. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 2023-11-08
Company: RIA FINANCIAL
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Simply put, the company took money with no likely intention of fulfilling their contract. They canceled the contract and are currently holding my funds. Now they are enjoying an interest free loan. They are also being vague about a refund and timeline. Most information provided by them has, so far, been false or inaccurate. I have no confidence a refund will be issued in a timely manner. I am complaining to all relevant state, federal, and private consumer agencies. The contract number is XXXX. I am requesting an immediate refund to the debit card they charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo Rewards credit card is engaging in usury. I am in a catch 22 with this company. My payments are normally {$60.00} per month, but for some unknown reason lately I have been assessed a {$70.00} monthly interest charge where I am having to double my monthly payment to {$140.00} in order to keep up with the payments. This incidents brings to mind student loans where the student makes payments but instead of decreasing the balance, the balance increases. I am a senior citizen with a fixed income and this can not continue. I called Wells Fargo hoping to switch to a non-interest bearing credit card, but the phone rep acted as though I was speaking in Greek. When I suggested that I should close this account, he was happy to oblige me instead of working with me to apply for another credit card that does not charge a usury monthly interest.

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 2023-11-14
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello Im XXXX XXXX i recently tried to resolved this issue on my account I purchased a XXXX XXXX on XX/XX/22 From XXXX ever since then I have had a charged for a XXXX  XXXX for the same day of my purchase on my credit report I have proof that I purchased my XXXX XXXX but I never bought a XXXX  I need this inaccurate info removed from my account please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/20 Wells Fargo Bank. Employee for the bank in research remediation. The call came in as everyday banking. The caller is a customer of Wells Fargo. She did allege her problem was with XXXX charging her bank account for over a year. Caller gave her debit card and account information to roommate. Roommate left her residence and caller was paying XXXX bill which was the roommate bill. 

Quality Assurance reviewed the account gave me a low score for quality. Quality assurance resolution was to put stop payments on the charges. The caller had various amounts of charges from XXXX. 

The stop payments fee is {$31.00} per stop payment. Since they were various amounts the stop payments could result in excessive fees. The caller said she had been trying to stop the payment for a year - was it 1 year with Wells Fargo Bank. If Wells Fargo was filing claims and cases were these never resolved for the behalf of the customer. {$31.00} for each stop payment and many charges from XXXX are financial injury. My Request is to address the Questionable Quality Assurance department on these calls. Some resolutions are replace debit card, get previous claims and cases from Wells Fargo and find out why nothing had been done.

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 2023-09-25
Company: Experian Information Solutions 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2022-12-18
Company: Kriya Capital, LLC
State: MS
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 Account name : Credence Resource Management , LLC, Account Number : XXXX Credence Reference ID : 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. 

Also this company only has a license to collect debt in XXXX states. Those states are : Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nevada-FID, New Mexico, North Dakota , Oregon , Rhode Island & Wyoming . Which is verified on https : //nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1134094.

This account was disputed by another collection agency ( XXXX XXXX ) and sold to this company. 

Remove this account immediately!! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account on my report I do not recognize

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by theXX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-03
Company: I.C. System, Inc.
State: TX
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:
The company IC systems tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX  for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX  the Account from IC systems, the account number is XXXX and IC systems has violated my rights. 15 U.S.C 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 2023-02-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
usaa lied about my account it is not has not returned my money XXXX XXXX $ XXXX Claim Amount this money was taken from account I want it back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX Experian run Banks XXXXr, XXXX and Cant verify anyone they dont like Violate Laws business torts negligent misrepresentation, breach of fiduciary duty, civil theft and conversion, conspiracy, defamation, and tortious interference with a contract or business relationship Tort Laws required to protect people from theft and fraud and are liable for the financial losses XXXX Years no Bank can verify XXXX XXXX XXXX work with Credit Burrow Violates Federal Constitution Credit Burrow Violate 18 U.S. Code 1341, 18 U.S. Code 1343, Title VII Civil Rights Act 42 U.S.C XXXX XXXX XXXX XXXX.

Banks ask XXXX  Year old questions so I Secure Email XXXX XXXX my ID Cards and Utility Bills and XXXX  says go to a branch I would have to take an Airplane XXXX World Bigest XXXX XXXX  owner Banks XXXX all my money then no other bank can verify me to escape Purchase XXXX XXXX XXXXXXXX XXXX caused XXXX XXXX to verify transaction was ok then XXXX credit card purchase declined XXXX XXXX XXXX XXXX transfer to XXXX XXXX XXXX did not work Change Name to XXXX XXXX then XXXXXXXX XXXX XXXX work great while call on the Phone fore 100 % no reason there 100 % no reason to verify me 100 % no problems XXXX XXXX Cant verify me and Lock Me out account XXXX times and reopen and Say go to a Branch === Fly on Airplane to XXXX get a Hotel and fly Home//

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 2023-07-05
Company: EQUIFAX, INC.
State: MA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TX
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:
back in XX/XX/XXXX, I contacted all three bureaus to verify some accounts were inaccurate. XXXX removed the account but Experian refuses to remove the items that were investigated and deleted. Under the FCRA all bureaus must be accurate, complete and verifiable. If any of the Bureaus find information to not be accurate, they must share this information with the other major bureaus. I have attached a copy of the investigation results. in accordance with the Fair Credit Reporting Act, Experian and XXXX have violated my consumer rights under 15 U.S.C B 1681a sec 603 15 U.S.C 1681 SEC 602a 15 U.S.C 1681 SEC 604a Sec 2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 response to consumer: Closed with non-monetary relief