BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX I their own admission, never had Validation of these debts they reported to the credit bureaus for all the years you have been broadcasting this unlawful reporting of these XXXX accounts. 

This is fraud. 

If you read the documents attached, it is indisputable that my complaint is accurate. 

If you do not remove these collections from your systems I will sue you after 30 days has passed if you have not removed them - you are in notice and you have The proof and evidence attached. 

XXXX XXXX XXXX also unlawfully disclosed personal XXXX XXXX violation documents in their miserable attempt to validate this almost 6 years too late! They did not follow protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
At the end of XX/XX/XXXX, I received a letter for a credit card promotion from Regions Bank. The promotion stated that if I spent a certain amount ( {$1000.00} or {$2000.00} ) in 3 months, I would receive a {$300.00} bonus. On XX/XX/XXXX, I called the phone number on the letter and read the promotion code to the representative. He confirmed the bonus and I signed up for the credit card. I tried to sign into online banking, but had multiple issues. I called for assistance, but the representatives could not figure out how to fix the error code. When they tried to send me to another department for help, I was disconnected. This same process happened several times with the same result. I was finally able to get ahold of someone who helped today and I was able to gain online access. 
Once I was online, I messaged the helpline to confirm the amount I needed to spend to be eligible for the bonus. They stated there was no bonus promotion showing, only an offer for a balance transfer. When I called again, the representative put me on hold 4 time for 5 minutes each time, only to tell me she was unable to gain access for such information. 
I have wasted a considerable amount of time for an answer that should be found on the original call, assuming the call was recorded or notes taken. I am a full-time nurse with a special needs child, so i do not have additional time to fight this. 
I feel I have been taken advantage of with a false promotion in order to get me to sign up for a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-01-27
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : 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
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Albert Corporation
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXXXXXX XXXX, XX/XX/2023, I received 3 emails from Albert. One saying to verify my email address. Another one said they will be charging me {$140.00} per year and a third with information ( banking account and routing number ) that was created automatically for direct deposit. 
I did not create this account. This is fraud. I reached out to the bank but I can not reach a person because everything is automated or you need the Albert App. I have emailed them and texted them to close the account but I have not had any luck. It has been 6+ hours of waiting.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and harmful to my credit score. I request that you investigate and remove the following items from my credit file : XXXX XXXX  XXXX Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX XXXX XXXX  XXXX - Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX TX - Account Number : XXXX XXXX TX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX I have no association with these companies and do not recognize these accounts. I am interested to know how you were continuously able to verify these accounts. I request that you remove these frivolous accounts from my credit file right away. 

USDOE/XXXX - Account Number : XXXX I have no recollection of ever belonging to this account. It is not possible for you to update an account that I have no association with. I request that you remove this frivolous account immediately from my credit report. 

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX These accounts have been charged off and should not have any payment history. I am interested to know how you were able to verify payment history on these accounts. I request that you delete these accounts from my credit file immediately. 

U S DEPT OF ED/XXXX - Account Number : XXXX U S DEPT OF ED/XXXXXXXX - Account Number : XXXX U S DEPT OF ED/XXXXXXXX - Account Number : XXXX Please review the transfer dates on this account, as the late payment history may be inaccurate. Furthermore, I have no recollection of belonging to these accounts. It is not possible for you to update an account that I have no association with. I request that you remove these frivolous accounts immediately from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
XXXX ) I contacted Santander in XX/XX/2019 because I could not make payment due to working in the XXXX field, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) I reached out to Santander to ask for a courtesy deletion because I volunteered to have them redeem the vehicle 5 years ago in XXXX. They stated they do not give courtesy deletion, AND can not change the negative reporting remark but I have counselors who suggests Santander does or can do so. 
XXXX ) Santander the vehicle but left a balance remaining, then sold the balance to debt buyer, who is also reporting the same balance. This is double damage and unfair credit reporting and it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
THIS LOAN IS CURRENTLY WITH SPS SERVICING LOAN # XXXX WE HAVE SUBMITTED A SHORT SALE APPLICATION MONTHS AGO WITH XXXX RESPONSE FROM SPS SERVICING. EVERY DAY I CALL FOR A STATUS UPDATE I AM TOLD THAT THEY ARE ESCALING THE FILE. 

THE REAL REASON THE FILE IS SITTING AT A STANDSTILL AND NOT BEING WORKED ON IS BECAUSE THE FILE IS DUE FOR A SERVICE TRANSFER ON XX/XX/ TO XXXX XXXX. FOR THIS REASON SPS HAS REFUSED TO CONTINUE TO SERVICE THE LOAN WHICH THEY ARE REQUIRED TO DO UP UNTIL THE SERVICE TRANSFER DATE. IF THE CUSTOMER OWED SPS MONIES THEY WOULD NOT JUST IGNORE THAT POINT THEY WOULD HOUND THE CUSTOMER FOR THE PAYMENT UP UNTIL THE SERVICE TRANSFER DATE. PLEASE INVESTIGATE THIS COMPANY FOR FAILURE TO PERFORM THEIR REQUIRED DUTIES UNDER THE SERVICING CONTRACT AGREEMENT WITH THE INVESTOR AND THE HOMEOWNERS A RESOLUTION TO THIS MATTER WOULD BE FOR THE CURRENT SERVICER SPS TO APPROVE THE SHORT SALE OR ASK FOR A HIGHER OFFER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently reviewed my credit reports and found that there are inaccuracies in the reporting of late payments. Specifically, I observed that you have reported late payments for the following date : XXXXXXXX  under the account name XXXX XXXX XXXX  with the account number XXXX I request that you promptly update these late payments to reflect their accurate status as " PAID AS AGREED. '' It is crucial that this information is rectified as soon as possible, as it is adversely affecting my ability to pursue the purchase of a new home. 

Your immediate attention to this matter is greatly appreciated. Please confirm once the necessary amendments have been made. 

Thank you for your prompt action in resolving this issue.

Company response to consumer: In progress
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NY
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account : # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX had violated my rights! 
15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2.

It also states that a consumer reporting agency can not furnish your account without my written instructions.

15 usc 1681 ( a ) ( 5 ) states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-10-25
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first time ever checking my report and I have no knowledge of having any account with first premier credit company. I would like to have the company removed from my report. There has obviously been some form of fraud which I'm highly unaware of.

Company response to consumer: In progress
Consumer complaint received 2022-10-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Carrington Mortgage Services LLC. I have an impound account that was transferred and collected on a monthly basis. My homeowners insurance expired XX/XX/2022. On XX/XX/XXXX I was contacted by my insurance company to tell me my insurance lapsed and I needed to pay to ensure coverage. I paid the minimum payment due of {$640.00} to retain coverage ( money that was not budgeted for ). The next day, XX/XX/XXXX I called Carrington and asked for payment status. I was told that they made payment in full. Today, XX/XX/XXXX I received a letter saying they had no evidence of my insurance and that they would start charging me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TN
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 my Equifax credit report, I have been disputing the XXXX XXXX XXXX account for over 12 months due to inaccuracies and incompleteness. While I have sent many certified letters to Equifax pointing out these errors this and previous years, I have chosen to only include the last four months of letters so as to simplify this complain process. Basically, I have pointed out to Equifax that they have refused to either correct inaccuracies and incompleteness by either not correcting or leaving blank sections of my report. They have not provide the correct Payment History, not added the Date Of Last Payment and refused to place a Notice of Dispute on this account even though I have informed them repetitively that these are all fineable FCRA violations. The failure to add a Notice of Dispute notification to my report within 30 days of being notified, for instance, is an automatic {$1000.00} penalty. In addition, I have informed them that this account was settled and discharged by XXXX XXXX earlier this year. I actually sent them the 1099C paperwork forwarded to me from XXXX XXXX  making this account a positive income that I had to report on my inome tax in 2023, nevertheless they have continued to ignore this change. I have included documented proof that Equifax has in fact ignored my repeated requests and has serious damaged my credit causing me to lose both a loan for an auto and a house mortgage. In addition to attaching the letters I sent them, I have included my latest Equifax credit report onwhich I have highlighted and circled their repeated FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit report and sent a complaint to all 3 credit bureaus. I seen wrong dates, amounts, and accounts. They removed some accounts and then added them back on without notifying me or getting permission. From what I know this is against the law. My credit report went up and then decreased tremendously without any reasoning or updates. I have sent them letters saying this along with my ID and proof of address. This is affecting my ability to buy a house and I cant keep waiting on them. They are saying I am not sending in ID and proof of address but I have 3 times. Im tired of fighting and need these accounts removed immediately. I have also taken the time to highlight what was wrong with accounts. Many accounts say open and are marked closed or derogatory and also many accounts say I opened them on 2 different days.

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