BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
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:
in accordance with the fair credit reporting act the list of the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This mortgage lender is refusing me a loan modification even though I work and have income and is dragging there feet and adjourning the case to drive up the arrears forcing me in to a bankruptcy to save my home, they have not sent me a statement in 2 years to make a payment ( no monthly payments I am now {$110000.00} in arrears and I offered them {$100000.00} on XX/XX/2018 and they refused they are not allowing me to work things or mortgage out I believe at this time because of my XXXX or my age at this time.as I have tried to work things out over and over, so the fact I get no statements it can only be because of my age or XXXX at this point.

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 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have money in my account and capital one would not let me withdraw it. They told me if I drove to a capital one cafe that they would be able to increase my limit. I drove all the way there and they could not. I had no way to access cash in my account when I needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX 's XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those 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 explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of fraud. A scam likely number called my phone informing me that I was approved for a loan and proceeded to get my information under false pretenses.The opened fraudulent accounts for XXXX XXXX, XXXX, and XXXX using a fraudulent address which I have never lived at. I have made numerous attempts to contact the company. XXXX XXXXXXXX, XXXX, and XXXX have not been able to verify the information according to the law and equifax, XXXX, and XXXX  have not deleted the unverified and fraudulent accounts off of my credit report. A fair resolution would be to have these fraudulent accounts deleted off my credit report permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NV
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
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:
RE : XXXX XXXX Thank you for your last response and extention of time until XX/XX/XXXX. 

One last point of clarification, can you please comment on the legality of transfering negative equity from one party ( single owner ) to an entirely another party ( single owner )? 

{$13000.00} which you claim needs to be paid in full by XXXX Car Purchase price {$35000.00} You claim the vehicle was sold for {$30000.00}, how much was the XXXX XXXX  sold for that was received for this purchase? 

You received {$2000.00} cash for this buy contract for which you breached Difference of $ XXXX {$2000.00} = {$3000.00} Negitive equity recorded was {$12000.00} which should not be reported on my credit report and actually should be recored to the owner of the debt. I can not purchase debt, this would not be a legal purchase contract, and youve now since cancelled the contract. 

The XXXX XXXX in a 3rd party name ( other than myself ) was sold for a profit by your company. 

Would you now return the original vehicle ( XXXX XXXX ) involved in this purchase to its buyer which was not me? Since the XXXX XXXX was voluntarily surrendered under the understanding the Chapter XXXX agreement would be honored, we would have asked for the vehicle to be returned and hold the position it was sold prematurely and prior to the outcome of the chapter XXXX. There should be consideration of these other factors involved. 

We had every intention of using a vehicle as we are a 2 vehicle family and this brought us down to 1 vehicle. We subsequenly purchased another XXXX to replace this vehicle and have even purchased another XXXX since then with both accounts in good standing with one vehicle paid off entirely and another with on-time payments and have records showing this intention. 

Please let me know your stance on the final debt you believe should be reported on my credit as I have included the original breached contract and can included additional documentation as necessary. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two fraudulent accounts were opened under my name within the last year at BOA. Both times, I stated that I believed this was being done internally, as there was no login to my account and my contact info was changed without any email notification. I complained through the CFPB about BOA, and in response, XXXX XXXX of BOA contacted me, chastised me for filing a complaint, and said BOA was considering all options in response to my complaint. As a lawyer, I recognized the threat in what she was saying. XXXX XXXX gave me her contact information to follow up with BOA on its investigation into my complaint, but since that time, she has ignored 4 calls and 3 voicemails that I left her looking for an update. So Im filing a further complaint against BOA and 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 2021-04-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please, help me. I am XXXX XXXX XXXX, a retiree, XXXX y.o.. XX/XX/XXXX I received hearing aids, order # XXXX from XXXX mailto : XXXX with total cost of {$450.00}. Upon opening of received package, I found that instead of ordered item ( hearing aids X3 ) they sent me an outdated cheep version X2 ( {$270.00} ) and no batteries ( {$49.00} ). The same day I contacted the seller requesting return address and full refund. 
XX/XX/XXXX I sent back to seller the received order ( USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX that I sent to seller ). Realizing with what company I have deal, I initiated a dispute in my local bank XXXX XXXX, ph : XXXX, Branch ManageXXXX XXXX XXXX XXXX that issued me credit card I paid for the order. In few days the bank credited me the seller charge of - {$450.00}. During following two month, i didn't get any information from the bank, nor from the seller, but found that my bank reversed my credit charging me {$450.00}. From XX/XX/XXXX til now, I many times visited my bank asking for protection and three times ( for their requests ) presented them set of documents supporting my case. During this time no documents related my dispute I have received from bank. In my last talk with the bank manager XXXX XXXX, I was orally informed me " that the seller can not return money to the bank, but can it return to me ''. 
After this ( about XXXX week ago ) in the third time, I sent all documentation and request for refund to the seller. ZERO result. The seller just ignored my E-mails. 
I can send you all documents, mail exchanges and USPS receipt with tracking #. 
PS : At time I wanted to initiate dispute at Santander via their site, I realized that Santander revoked this option offering instead to do this by phone that never answers. 
I called 8 times ( spending each time between 10-15 minute ) and never got response. 
This is why all my interaction with Santander was during my visit to their local branch. 
Please, help me to get my refund. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, MA 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 2022-11-05
Company: Experian Information Solutions Inc.
State: NC
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 is my several 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from 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 explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
On XX/XX/2023 & XX/XX/2023 I sent correspondence to Experian in regards to myself being a XXXX XXXXXXXX XXXX this reporter agency had four days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that the company, Experian, are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family, they are clearly in violation of federal law, and as federally protected, consumer, I demand the action to be taken and corrections to be made this is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interest. Please assist me in obtaining believe I shall. I shall be reaching out to federal authorities and plan to request a full Audit against the company for being accomplices to my pain and suffering, as I attempt to move forward with my life.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are accounts on my credit report that I have no knowledge of and are not verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2022 I was approved for a business auto loan by XXXX XXXX  XXXX. I took the attached pre approval to dealership ( XXXX XXXXt ) and they took it upon their self to apply for me another application with XXXX XXXX XXXXXXXX. 
The reason for me taking the business pre approval was so that it wouldnt show on my personal credit report. Ive noticed that it is showing on my personal report. Ive called and spoke to finance manager XXXX, she stated theres nothing she can do and XXXX has still failed to return my call. 
XXXX XXXX XXXXXXXX says there was a whole nother application opened under my personal I did not give them permission to do that they should have used the pre approval that was presented.

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 2023-08-23
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:
This is my formal complaint to EXPERIAN for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out dispute letters to them last XX/XX/2023, and XX/XX/2023, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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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 2023-07-17
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father, XXXX XXXX, is deceased as of XX/XX/21. His account with XXXX was current at the time of his death. I attempted to close his account and provided a copy of his death certificate, which XXXX indicated was not adequate proof. I verified numerous times with XXXX that his account was paid in full to which they agreed. Now they are attempting to collect for service after the time of his death and sending collection notices harassing my mother whose name appears nowhere on the account causing her unnecessary stress and XXXX. I would like for XXXX and XXXX XXXX to cease and desist all communications to XXXX XXXX XXXX, XXXX, MO XXXX as this is no longer the address of XXXX XXXX. I made every effort to resolve this matter to no avail.

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 2020-12-04
Company: Experian Information Solutions Inc.
State: NV
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:
Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from Experian, XXXX  or XXXX  about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.

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 2023-09-21
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Currently banking with Bank of America, they gave me a couple of charges over the years I have being a client with them. Specially when low founds, even when I when a head and deposited the money needed to cover the transaction. They also " process '' transactions in a odd way and I feel like they are double charging on some transactions or causing my account to drop to insufficient founds. for example my wife might spend XXXX on XXXX, the mobile app will show XXXX but under processing, so I " know '' I have XXXX less on my account and it does reflect a total amount minus the XXXX so I do my spending, but by the time it " process '' there is less money than expected even do I took in consideration the minus XXXX like if they took the XXXX again and then when processed another chunk. I read about the complains other people has had with them, and I thought that it was just me thinking I was wrong with the fees and the way they Process transactions.

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