BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
in XX/XX/2018 I disputed a inaccurate Bankruptcy on my credit report with TransUnion. In XX/XX/2018 they replied back and stated that it was verified and accurate. On XX/XX/2018 a security freeze was in effect on me with XXXX I have proof and enclosed copies of the conformation. On XX/XX/2018 a security freeze was in effect on me with XXXX and I have provided copies of the conformation security freeze. on XX/XX/2018 I wrote the US Bankruptcy court with the address provided by Transunion and I wrote the court asking do they give any information to credit bureau ... The court replied back to me stating that they do not give out any information to any credit bureaus. I have proof of this also provided. on XX/XX/2018 I sent certified letter to Transunion asking them to reinvestigate the inaccurate bankruptcy on my Transunion credit report. THEY ARE NOT GIVING OUT 100 % ACCURACUY INFORAMTION, Because they was giving out inaccurate misleading information on my credit report.. I have the Certified mail receipt that I sent Transunion a letter asking for verification and to reinvestigate the inaccurate bankruptcy on my file,, I even sent the all my security freezes and letter from the court that the court do not give out any information to the credit bureau TRANSUNION. They received the certified letter on XX/XX/XXXX, XXXX have copies of the delivery notification that they received the letter, Transunion was given 30 days to reply to my certified letter from the date of signing for letter and to respond and give me information on the verification and reinvestigate ... Todays date is XX/XX/2018 AND TODAY IS THE 30TH DAY I haven't gotten a response from Transunion and they have violated my rights,,, I been waiting on a response from them and they have failed to respond to my certified 30 day letter, they are liable for nun compliance, Transunion has failed to respond satisfactory with in 30 days of my letter. TRANSUNION HAVE NOW VIOLATED FEDERAL LAWS BY NOT PROPERLY INVESTIGATION WITHIN REQUIRED TIMEFRAME, AND I HAVE PROOF OF ALL THE RECEIPTS,

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 2023-09-14
Company: CarMax, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to bring to your attention a concerning matter regarding a collection account held by XXXX XXXX, with the original creditor listed as Carmax. After conducting a thorough investigation, I am unable to find any record of an account in my name with the aforementioned entities. 

Upon reviewing my credit report, I was surprised to discover an entry from XXXX XXXX, claiming an outstanding debt related to a purported transaction with Carmax. Despite my best efforts, I have been unable to locate any information or documentation pertaining to this alleged account. I have contacted both XXXX XXXX and Carmax, and they have been unable to provide any substantive details or evidence of this debt. 

In light of this, I am formally disputing the validity of this collection account. I believe that there may be an error or misunderstanding in the reporting process, as I have no recollection of any financial transaction with Carmax that would lead to this debt. Additionally, both XXXX XXXX and Carmax have been unable to furnish any supporting documentation or verifiable information regarding this account. 

I kindly request your assistance in investigating this matter further and ensuring that my credit report accurately reflects my financial history. I believe that this discrepancy may be negatively impacting my creditworthiness, and I am eager to resolve it as soon as possible. 

Please let me know if there are any additional steps or information required from my end to facilitate this investigation. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
I had a checking account with citizens bank. I changed banks. The day I went to change my checking account to my new bank, I checked the balance on my citizens checking account. I wrote a check to " cash '' in the exact amount of my citizens checking account and deposited it in my new bank. 
. The following week I received a Citizens letter stating I had a negative balance of {$25.00}. I ignored it. Yesterday I received a letter from Citizens stating that I owed about double that amount, and they threatened to bring me to court. I called the bank and was told that I needed to give Citizens my full social security number or they couldnt look up my account. I refused. I am worried that my credit history would be damaged, but I refuse to pay can you help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-05
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Santanders auto loan division has placed my husband and me in a more financially crippling situation than we were in before contacting them for assistance. In early XXXX, I contacted Santander to set up a payment arrangement for the payments that were missed due to loss of income. The first representative I spoke with informed me that I was able to defer the missed payments altogether, and they would be added to the end of the loan. She then stated that the next payment would not be due until XX/XX/XXXX. This would give my husband and me time to catch up on our monthly auto payments and bring our account to a positive standing. 

Since the account with Santander is under my husbands name, I had to call back with him on the line to accept the payment plan. Consequently, I called back a few days later with my husband on the phone so that he could approve this arrangement. Upon calling Santander again, we spoke with different representative, however, she outlined the SAME terms that the previous representative explained to me. For this arrangement to take effect, we needed to make an initial payment of {$850.00}, which was processed via debit card on XX/XX/2018. 

Today, our vehicle loan with Santander is in the same negative status as it was when I placed the initial phone call due to the negligence of not one, but TWO representatives who failed to provide accurate information when setting up this  payment plan. Unbeknownst to me, our next payment should have been in XXXX and not XXXX according to an account representative I recently spoke with who informed us of our delinquent account status. 

Santander has repeatedly apologized and admitted that the representatives of their company provided inaccurate information, yet they refuse to remedy the issue. We are unable to make an additional payment on this account, especially since we were under the impression that regular payments would resume in XXXX. Santander has a fiduciary responsibility to their customers that includes providing them the most accurate information regarding their account ( s ). Their mistake have cost us yet another negative credit mark, and an additional balance that we are unable to resolve at this time. We are requesting Santander to delete the negative credit reporting associated with this payment arrangement, as well as defer XXXX payment to the end of the loan as originally discussed. Furthermore, when I access our account online, it shows a past due amount of {$4200.00}. Santander needs to adjust this information to provide the most accurate information about our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
From XX/XX/XXXX to date I have tried to communicate with the credit bureaus through letters to validate some accounts that are being reported erroneously in my credit report, but the credit bureaus have completely ignored me already that, they have never given me results and they have not sent me answers via email. That is, they have violated my right to request information on my credit. For this reason I was forced to submit this complaint through this portal.In fact, one of the collection agencies intends to sue me just because I asked them to re-investigate the account since it was a collection account with the status " Open '' Which is wrong and can not be on the credit. 

I hope you can help me.

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 2018-08-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
Dear Sir, I have no idea, why Experian has been mentioning hundreds of soft inquires in my credit file. I have taken Experian membership, checking myself by logging into my account and paying every month to check my credit and protect Identity. As and when I run credit report, I have seen the soft inquiry of " XXXX XXXX XXXX '', " XXXX/XXXX XXXX XXXX '', " EXPERIAN '', " XXXX XXXX '' and " EXPERIAN ''. I ran the credit report dated XX/XX/2018 and got to know that Hundreds of soft inquiry on my credit file by above mentioned companies. Could CFPB kindly direct to explain the reason of above mentioned company inquires, who are they and why my credit file has hundreds of soft inquiries by above mentioned companies. 
My credit file should have only inquiries related to me and only my Experian self check credit report and inquiry date. I have no idea, why these companies have hundreds of soft inquiry on my credit file and Experian must answer all these soft inquiries in my file.

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 2023-09-15
Company: CL Holdings LLC
State: VA
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:
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: LEXISNEXIS
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:
On XX/XX/2022, I called XXXX about what vendor they use to verify public records reporting on a consumer report. I was told by the representative XXXX that they use third-party vendor LexisNexis to verify public records information. I asked them do they look at supporting documents that are sent over and the answer I received was no they do not ; they send it directly to the data furnisher and let them verify the information. The problem I am having is if this information is being verified then why is it not being reported by them. I contacted XXXX and I got the same story as XXXX and what's frustrating is I am sending them proof that the Chapter XXXX XXXX does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Was not notified of investigation status or results

Complaint:
I notified Experian via certified mail that I am requesting the method of verification for the disputed account listed below within 15 days of the date on the letter. Experian has failed to acknowledge my request or to comply with my request in the time allowed. Please see letter attached that was sent to Experian via certified mail on XX/XX/XXXX. 
Disputed Account : XXXX XXXX  Account Number : XXXX Date : XX/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 explanation
Consumer complaint received 2019-04-06
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency : PHNX FINAN Original Creditor : XXXX XXXX XXXX Amount : {$790.00} Status : Open Opened Date : XX/XX/2018 I am being billed for medical services rendered by " XXXX XXXX 's Emergency Hospital. '' I am XXXX  years of age, meaning I am not even eligible to be treated or billed by XXXX XXXX 's XXXX facility! I have never been the parent or guardian of a child in my life. I am single with zero children. I have never cared for any child, nor have I lived in any home in which a child has even cohabitated! I do not understand how/why I am being billed for services from a facility that is literally IMPOSSIBLE for me to have even acquired a single cent of debt, let alone {$790.00}! I've mailed the collections agency in reply to their debt collections correspondence, and replied to original correspondence regarding any debt related to XXXX XXXX XXXX XXXX directly to the billing facility, as these are clearly, simply not possobly correct. These attempts to collect charges for bogus services I am clearly, simply unable to incur have tarnished my credit. I've replied to creditor and the facility, but received no response. I disputed this debt via aXXXX dispute which somehow returned a decision that they had found these debts to be valid even though they are simply impossible for me to incur via my age and lack of children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: T.S. Holdings
State: MD
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: Problem with personal statement of dispute

Complaint:
{$4100.00} inaccurate information no action was taken nor court to address this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Global Lending Services LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/2023, XXXX from this establishment told me i have been approved for XXXXXXXX XXXX  down. I provided my application XX/XX/2023. Today XX/XX/2023 this same establishment called me multiple times, after i have enrolled in the DO NOT CALL database. XXXX XXXX the XXXX tells me i must put XXXXXXXX XXXX  down and insists that the bank requires this, which is false. His calls are recorded and he violated my rights according to the CFPB FTC & multiple USC codes. This establishment ran my credit over 3-4 times and still denied me to push forward with my application due to tactics of a bigger down payment. Fully discouraged me from pursuing my right as a consumer and receive my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, 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:
EQUIFAX, I AM GOING TO FILE ANOTHER ATTORNEYS GENERAL COMPLAINT AGAINST YOUR XXXX IF YOU REFUSE TO FIX THIS! 
STOP SENDING THIS COMPLAINT BACK AND GET TO RECTIFYING IT! 
I WILL MAKE SURE YOU PAY ME MILLIONS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to TD Bank and made a cash deposit through the ATM of {$1800.00} into my checking account. The ATM kept my card, gave me a receipt for a deposit of {$.00}, and then was showing error messages and restarting. This was on Monday XX/XX/XXXX. I called on Tuesday XX/XX/XXXX and they told me I needed to come into the branch to file a claim. I went in on Wednesday XX/XX/XXXX to do that. I have not heard anything and its been 10 days that they have kept my money and have not done anything. On Tuesday XX/XX/XXXX I called and they said they would follow up with the back office and get back to me, but they never called me back. Today I called again and they said the claim was closed for some reason and they would follow up but that there was nothing else they could do and that the back office has to get back to them. Crazy that they can just hold my money and have no process of reconciling it. This was TD Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

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 2021-04-15
Company: EQUIFAX, INC.
State: GA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation