BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: IL
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 previously submitted several disputes with Equifax regarding these inquiries, and after investigations, I received responses indicating that Equifax refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. 
I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but Equifax consistently refuses to remove them and to provide me with documentation from the creditor. Equifax customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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 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 2019-06-29
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted Experian concerning inquiries and the correct spelling of my name. 
Explained to Experian that my name is incorrect and was told they can change it because its being reported by a creditor. 

Also wanted to dispute inquiries but was told I couldnt I had to dispute with the creditor and zi couldnt dispute with them. 

Also contacted Experian about a fraud alert and a personal statement that I didnt make to be removed was told they cant make that request also.

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 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On or about XXXX XX/XX/2022, I opened a CFPB complaint ( XXXX ) where I clearly told difficulties faced by me in terms of closing Bank of America account due to noncooperation of Customer service of Bank of America XXXX 
Bank of America didnt provided any response to that. Now on XXXX XX/XX/2022 I am seeing a {$12.00} fees from Bank of America for that account. 
Called XXXX again, after bypassing all the robot based menus, I was told we are facing larger than normal expected volume All customer service associates are busy.called on XXXX XX/XX/2022 at around XXXXXXXX XXXX Central time from my XXXX phone #.

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 2019-06-29
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was called not mailed a letter by collection agency about a XXXX debt. Sent letter of dispute as had set up payments with creditor XXXX for hospital bill. 
XXXX sent me a response saying they couldnt accept payments as it was part of a lawsuit and since my lawyer requested documents for an auto accident they couldnt talk to me. 
I explained the debt with the XXXX   was not related to the accident that I wanted to pay it off. I contacted sca and they told me it was sent back to XXXX and they didnt have an account in my name. I sent letter asking for validation of debt Never received validation. Never received any letter from XXXX saying debt was going to collections. 
I want this removed from all my credit reports ASAP and for XXXX to send me a validation letter and also sca to provide me with why they didnt send a validation letter and why they said they couldnt take payments since it was involved in a car accident when it was not. 
I made payments on the XXXX   account in XXXX before this all happened and was told once they received my payment they would reset the payments and start the billing over for me to get it paid off. Then I never heard back and got a call from sca. 

This is a violation of debt collection its a violation. Not validating the debt after request and its a violation of patient rights as my medical records were sent to a third party violating hippa I want this removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past month I have intermittently attempted to obtain my credit report from Equifax. I was able to get the report easily from XXXX within a minute or two. Equifax continually stonewalls my attempts to obtain it online or by phone. Each online attempt got a negative response and a " call us '' message. I called four times XX/XX/XXXX and on XX/XX/XXXX. On the first call, I was able to finally reach a person who kept stalling and saying he was waiting on his computer, then later said the system was down and to call in two hours. When I asked him if he would still be there in two hours he said " definitely ''. When I called back in EXACTLY two hours, the automated service said they were closed. The following day, I was asked a number of questions that suggested that my credit had been used by someone to obtain mortgages and bank cards, then the call was terminated. A year ago, when I suspected my address was being used for fraudulent purposes I requested that a notice be put on all three agency reports. I never heard back from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Dear SANTANDER CONSUMER USA INC I, the consumer and natural person, was denied credit by SANTANDER CONSUMER USA INC when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by SANTANDER CONSUMER USA INC due to the response I received. SANTANDER CONSUMER USA INC is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SANTANDER CONSUMER USA INC . If SANTANDER CONSUMER USA INC fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make SANTANDER CONSUMER USA INC criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: IN
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:
Kindly review the following inaccuracies on my credit profile, and delete. 

Delete inaccurate employment information from my report : XXXX XXXX XXXX XXXX is not an employer i ever worked for. 


Delete address XXXX XXXX # XXXX, XXXX, IndianaXXXX from my report. I never lived at this address, and it shouldn't be reporting to my credit profile. 

Delete XXXX XXXX XXXX, XXXX XXXX, Indiana, XXXX for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: DISCOVER BANK
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 information incorrect

Complaint:
Discover card reported 2 late payments on the account when in fact the account was set up on auto pay and the two " late payments '' actually did happen. I contacted Discover and the credit bureaus and they did not change it. I also provided them with a statement showing the minimum payment was debited out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Opened XXXX, credit card, it was discharged XX/XX/XXXX then it was repurchased 2 yrs later XXXX for monies and I had NO knowledge and then again transferred to CACH LLC XXXX. Even credit one supplied me with all the above information and had no knowledge that this charged off account was being bought by collection agencies. 
I notified XXXX XXXX XXXX XXXX DE, my bankruptcy attorney advised me that once this was charged off, it was not to be purchased two years later ( statue of limitations ) and then again in XXXX XXXX deleted this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit bureau refuses to remove/delete negative items even after I submitted a FTC identity theft 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 2023-09-16
Company: EQUIFAX, INC.
State: GA
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 disputed some negatively reporting items on my consumer report, on XX/XX/2023. I spoke to a representative from Equifax, and I requested validation of the negatively reporting debts. I was told I would receive a letter with results in 4 to 5 business days. Equifax did not send a response. The negative information remains on my consumer report. I was never contacted by Equifax during this " so called '' investigation. I am being adversely affected by these negative items and my reputation is being damaged. It is also affecting my creditworthiness and ability to access my credit. According to 15 USC 1681 ( A ) ( e ) the conditions were not met for a proper investigation. Also, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer, or from a consumer reporting agency, when such information was obtained directly from a creditor of the consumer or from the consumer. 
The information in question is as follows. 
A XXXX XXXX account XXXX for {$830.00} A XXXX XXXX  account XXXX for {$900.00} XXXX XXXX XXXX XXXX XXXX account XXXX for {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX account XXXX for {$12000.00} And a XXXX XXXX XXXX account XXXX for {$2200.00} Which is reporting negative information on the same debt as the XXXX XXXX account XXXX {$0.00} My right to privacy is also being violated. And 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction. I have not provided this, and I do not consent to the making public of negative items on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I dont have exact dates but I made 2 large payments in the month of XX/XX/2019 on my Discover card for the amount of {$500.00} and on my XXXX credit card for {$300.00} and for some reason my credit score plummeted when I feel it should have increased. XXXX XXXX did nothing but ignore this matter. I have no faith in proper credit scores with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have old accounts with more then 7 years that not belong there i want them to erase the info becuse is my right and is damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a new vehicle and all my paperwork has only the dealership name on it. When I asked the company that calls everyday to send any paperwork that states that I have a contract with them they repossess my car off of private property and signs are posted stating private property.

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 2019-03-21
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mercantile Adjustment sent myself a letter stating An alleged debt was owed giving me 30 days to respond DISPUTED. I request that the 3 pages enclosed be validated completely answered in 30 days or it will be construed as an absolute waiver of all claims to enforce the alleged debt against me and your implied agreement to compensate me for a court costs and attorney Not copies actual contracts with my wet ink signature, alleged XXXX XXXX and myself { contract }, XXXX XXXX, Myself and Mercantile Adj { contract } Be advised.73 American Jurisprudence { AM Jur } 2nd sect 93 third party debt collectors can not substitute { subrogate } themself into or on to a contract { transaction } if they weren't on the originally and specifically named in the contract { a Stranger } A third party Collector is not named on the alleged original contract between myself and alleged furnisher so they can not claim that anyone owes them money, which puts you at fraud. 3 pages enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: REGIONS FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My employer uses XXXX for our payroll cards, XXXX makes it hard for us to do direct deposit with no instructions to do so, the app and website is confusing and not user friendly especially on a smart phone, I have reported fraud on my account they have been no help, I feel like I am being ignored, also they have numerous complaints on XXXX XXXX XXXX, this is a example of a company thinking that they are above the law.

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 2023-07-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX and Equifax to reinvestigate these accounts : Account name : Department of Education DPT EDXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Also according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

They are plenty accounts that they have no fix ; but these two have been abused being modified and updated to verified. That is a lie. I even sent proof. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXX XXXX {$310.00} -- This account is pure identity Theft and wrong!!! 

XXXX  XXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXXXXXX -- This account is pure identity Theft and wrong!!! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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