BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TX
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/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX acc # XXXX, ( XXXXXXXX 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 record of conviction 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 2023-10-04
Company: Experian Information Solutions 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 reviewed my Consumer Reports and noticed that I have late payments on a XXXX store card & a XXXX  authorize user card. That I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information that is VERIFIED & AUTHORIZED. I as a consumer never verified nor authorized any of the false information being reported. This is a VIOLATION OF MY RIGHTS as a consumer. I also never gave you my written or oral consent to report this false information. Which is causing DAMAGES to my RIGHT to be extended credit. I have NEVER been late on a payment. I demand all payments to be updated to paid on time as I the consumer was never late on a payment.

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 2022-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was alerted in XXXX or XXXX that a private student loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, XXXX XXXX was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my credit score decreased by XXXX points. I was under the impression that XXXX will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CITIZENS FINANCIAL GROUP, 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:
I have been a victim of identity theft. I had a Charged off citizens bank account listed on my XXXX credit report that doesn't belong to me. I called Citizens bank and they couldn't find an account listed in my name or social security number. I need this removed immediately because this is hurting my chances in getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2022-11-17
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-03-22
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX {$6000.00}

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 2023-10-07
Company: EQUIFAX, INC.
State: CA
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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My Transunion report shows a hard inquiry from XXXX XXXX on my credit report on XX/XX/2023. I contacted Transunion several times to request that the unauthorized inquiry to be removed. XXXX XXXX sent two letters one on XX/XX/XXXX and the other letter was send on XX/XX/2023 I sent the letter from XX/XX/2023 from XXXX  XXXX to Transunion and the inquiry continues to remain on my file. 

Attached are the two letters from 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 2023-06-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Back in XXXX  I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the heart increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from XXXX saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again

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 2023-06-15
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit reporting time limit can not be restarted. If a creditor or debt collector re-ages an account to extend the amount of time it's reported, they're breaking the law. ( The item needs to be removed from credit file. The law has been broken no proof when I asked for it but yet still continue to ask for mines. Im seeking XXXX in compensation due to this matter and will contact Texas attorney general about XXXX XXXX which goes by the name of XXXX XXXX. XXXX thats outrageous.

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 2018-08-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I left my card with the drive thru attendant who was fired for stealing the card. I was XXXX in my XXXX and hospitalized until the XX/XX/XXXX. During this time these purchases were fraudulently made on my card .XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX GA/ XXXX XX/XX/XXXX XXXX XXXX XXXX GA/XXXX   XX/XX/XXXX XXXX XXXX XXXX GA/ XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX when I logged into my account after a long time I noticed the transactions and immediately called and reported the transactions. The bank included a charge I made and tried to say that these items were delivered at my location and purchased by me. I filed a police report with the XXXX police dept who told me it was incorrect and needed to be filed in XXXX which I did and reported to the fraud investigator. The fraud investigator said it was something wrong with the report and that they didn't have enough information to say who did the charges. I asked why didn't they call the police to find signatures and photos of file he refused to do his job. I asked for a manager and still haven't heard back from one!

This company promises 0 fraud liability for fraudulent charges but they are asking me to pay for charges that I didn't do and didn't even conduct an investigation or have anyone call me. They tried to say it was me but I have proof I was in the hospital and I have no authorize user on my card. I shouldn't have to pay for someone else charges just because they cant do their job. XXXX of fraudulent charges that have nothing to do with me I have left a thousand messages and the guy XXXX keeps calling a phone number that doesn't belong to me and accusing me of owning the number because I worked for the XXXX XXXX I explained I worked in a different location he keeps saying no you work here. I want this to be handled correctly and the correct person to be arrested. I want them to do their job and stand by their policy.

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 2021-07-17
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I want to require Santander Consumer USA to verify account XXXX and send me proof that they, when extending my credit, used their own funds to pay for the XXXX XXXX XXXX XXXX. I demand proof, not the contract, I demand proof that they paid for my property with their own funds, I want a receipt for said transaction. Because I spoke to them and their agent alleges that they paid for the property with their funds. I want reliable evidence. Their representative rectified that they paid for the property with their own credit and with their own funds. If this is so, I demand that the credit transaction be verified, not the contract, the credit transaction that shows that they used their credit or their funds to pay for my property THE BANK CAN NOT LOAN CREDIT Law of Truthfulness in Loans, Jurisprudence and Regulation Z The Truth in Lending Act was passed to prevent unsophisticated consumers from being misled as to the total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C. Section 1601. Griggs v. Provident Consumer Discount. 680 F.2d 927, certiorari granted, annulled 103 S.Ct. 400, 459 U.S. 56, 74 L.Ed.2d 225, in return 699 F.2d 642. 

" In federal courts, it is well established that a national bank is not empowered to lend its credit to another by becoming a guarantor, guarantor or guarantor for it. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S. 669.

" A national bank has no power to lend its credit to any person or corporation. '' Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied at 20 S.Ct 1024, 176 US 682, 44 LED 637.

" It has been established beyond all controversy that a national bank, by virtue of federal law that limits its powers and capacity, can not lend its credit by guaranteeing the debts of another. All contracts of this type entered into by its officials are ultra vires " Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). 

" It is not within those statutory powers that a national bank, even if it is solvent, lends its credit to another in any of the various ways in which it could be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ).

" A bank can lend its money, but not its credit. '' First Nat 'I Bank of Tallapoosa v. Monroe , 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550.

" ... the bank is authorized to lend money as personal guarantee ; but it must be money what it lends, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No. 12, 642, 1039.

" The contract is void if it is only partly connected with the illegal transaction and the sole or complete promise. '' Guardian Agency v. Mutual Guardian. Savings Bank, 227 Wis 550, 279 NW 83.

" Banking associations, by the very nature of their activity, are prohibited from lending credit. '' St. Louis Savings Bank vs. Parmalee 95 U. S. 557

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today, XX/XX/2023, XXXX XXXX attempted to charge my credit card with Truist Bank {$4700.00} for an upcoming apartment rental in XXXX. Truist locked my card and tagged the transaction as fraud, which it was not. Resolving this matter consumed XXXX XXXX hours of my time. A fraud representative assisted me, said the block was removed and that XXXX XXXX could process the charge. Each time, and this happened repeatedly, the transaction was declined. I also offered my debit card for the transaction -- again, declined. 

The problem appears to be Truist 's puts the bank first instead of the client to avoid fraud. So be it. But the numerous attempts required to clear the transaction were unacceptable. I have banked with the numerous iterations of this bank for XXXX years. I will no longer do so. I have no confidence that my credit card will not be blocked when I am in XXXX from XXXX XXXX. I have been assured it will not but there is no guarantee. Truist site states that no longer is a travel update required to use the card. That is not true. I had my card blocked in XXXX when I was in XXXX Texas. 

Your agency should look into the number of complaints against Truist. There are many. Thank 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