BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Creditor file 1099c this changes the status from charge off or debt to ordinary income. Income doesn't get reported on my consumer report so the reporting of a charge off on my report is illegal because it is income.it is no longer debt once the 1099c is file it has changed to income. 15usc 1681b accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates.

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 2018-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E ) of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation  and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX BANK 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 2023-07-11
Company: EQUIFAX, INC.
State: SC
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-09
Company: EQUIFAX, INC.
State: MI
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( U.s. BANKRUPTCY COURT Case # XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
Equifax is refusing to verify my identity and fix my credit report. For over a month I have not been able to access report and get code XXXX. When lenders access my credit report it states it can not be found. I have sent in Id verify documents to equifax in order to fix issue and still have not received it fixed. I need my credit report back accessible asap. I also have disputes that have been ongoing for XXXX now with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
We purchased a car from XXXX XXXX XXXX XX/XX/17 santander consumer usa underwriting dept approved the loan knowing it was not legitimate on the dealerships end. The paperwork was never signed by the seller the dealership which it clearly states if not signed by seller the loan is not valid. The mileage on all of the documents was changed it shows XXXX ish miles when the car had over XXXX. The loan was and is a predatory loan. I have contacted me our attorney general and filed a compliment on here before. When the company had to settle a lawsuit they never included us even though we had defaulted at least 2 to 3 times during the required time frame. We would like the car written off and the loan showed as paid on our credit report and the signed tile free of their lien sent to us as we have continued paying on a loan that was never valid due to the dealership not signing the documents and changing milage and the loan being a predatory on subprime borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Went to car lot they ran my credit SO many times!

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now XXXX XXXX years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXX XXXX yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!

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 2021-04-17
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX, i was email by Square.com that read " In order to compliantly sell XXXX on Square, youll need to join our XXXX  XXXX XXXX XXXX. Please fill out this form within 7 business days. After 7 business days, we will stop deposits to your bank account until the form is complete. You will still be able to process payments ... '' Late last year 2020 I shut down my XXXX XXXX because of all the regulations they have on selling XXXX. Since i stopped selling XXXX and COMPLETLY shut down the business, and DELETED my XXXX XXXX from square i started a new business. I now have a XXXX XXXX that i started after deleting my XXXX XXXX. I Emailed Square to tell them i NO LONGER SELL XXXX   PRODUCTS SO I CAN'T AND WILL NOT APPLY FOR THE XXXX PROGRAM THEY ARE REQUESTING. I gave it 7 days to see if I would get a response and i got nothing from square. I gave them a call and explained to them that I no longer sell XXXX  products, I've deleted the store and cut all ties with XXXX  products. The current store ( XXXX XXXX XXXX ) started getting sales and square still has a hold on my funds. They told me that i would hear from someone in a couple of days and the issue should be resolved. Another 4-5 days went by and I'm still getting sales and my account is still on hold over an OLD store i had. I've called the company 8 times to resolve it and no one has helped me. I had someone email me telling me if no one reached out to me by XX/XX/XXXX to email her and let her know. I emailed her 3 times with no response. I'm a small business trying to make ends meet and square is not responding or helping me in the 2day time frame they listed or the 7-day time frame listed. It's about to be a full month of me shipping out products to customers without having the funds released. If this is not resolved and my funds are not released from square I will be forced to close down my business. I can't keep sending out products without receiving the funds for the products being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about the XXXX of XXXX Santander Bank blocked my online account without notice. I called the bank and they stated that my account was under review for fraud regarding XXXX  transactions. Since that date I have called repeatedly first daily then weekly now monthly. The bank has not communicated with me regarding this review either by phone communication or written correspondence. Each time I call I get no update from the Fraud Prevention department. I have contacted the branch for assistance with also no results. Now after 2 months, my accounts are being charged monthly service fees when I have no access to my accounts. My business account was never involved in this XXXX  issue and it has ben on hold since opening. If I have done anything wrong regarding XXXX, then I should be told and not have my accounts arbitrarily frozen without any notice after now 2 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES XXXX  BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2022-02-09
Company: EQUIFAX, 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:
In XXXX I was advised by XXXX XXXX  through a service they provide that my address was changed and there was an attempt to open up a XXXX XXXX XXXX via XXXX XXXX. I subsequently put blocks and alerts with the three credit agencies and found that Equifax had a bogus address under my name which I did not recognize or authorize. Also in XXXX we realized that we were not receiving many of our bills. We checked with USPS and they notified us that our address had been changed. We found out that many companies update billing addresses based solely on information they receive from the post office with no other authorization or authentication. Further, after this incident, we went to the USPS website and verified how easily an identity thief can change a valid address. While this practice eases the burden of return mail, it also aides and abets identity thiefs at the same time. My bank ( XXXX ) had also updated my personal information from the USPS without going through their normal authentication process. I subsequently understand that this has been accepted as a normal business process however, I dont feel this is a prudent process given the fact that it makes theft of identity more efficient and violates my ability to protect my PI and I believe violates the banks responsibility to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I used to be a partner in a business and I set up our banking and credit card from BofA. 

We used the credit card but the business eventually failed - ultimately causing a charge-off of said credit card. This was years ago. 

Flash forward to last week - for some reason, I kept my personal account with them. In these Covid times, I made a desperate move and liquidated my IRA ( there wasn't much ) - those funds went to this BofA account. Within 48 hours, BofA swiped the entire amount and then on top of that, charged me a {$35.00} to do it. I now have absolutely nothing to pay any bills or feed my family. 

I don't know what to do.

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 2020-06-19
Company: AES/PHEAA
State: AE
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 am contacting you for assistance with a removal of erroneous late payments on a closed account I had with XXXX. I have been with XXXX since XXXX, and the former XXXX accounts was reported to be late for the first 3 months in XXXX on my XXXX  credit report. This company has not been my servicer since XXXX. I would greatly appreciate your assistance in helping me to correct this false derogatory information as it is impeding my ability to apply for mortgage credit. I attempted to chat and call a fedloan representative but neither were helpful. My account number is XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
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: Was not notified of investigation status or results

Complaint:
A collections was put on my report from XXXX XXXX XXXX in the amount of {$1400.00}. To this date this account has not been validated according to 15 USC 1692g. In addition my rights under 15 USC 1681b have been violated because I never gave Transunion permission to furnish said account.

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 2023-01-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX***Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX***Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$830.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 explanation