BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested.

I then called today (XX/XX/XXXX ) and spoke to three different people who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
The Credit Bureaus stated my account was properly investigated 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 is ground for removal they have 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. 

The account : XXXX # XXXX is still reporting to my credit report Inaccurate information I received a letter from XXXX, Stating THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. This a violation of my rights

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 2023-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 I communicated via certified mail to Portfolio Recovery Associates , LLC on XXXX XXXX Portfolio Recovery Associates , LLC, did not respond on timely manner by XXXX XXXX Ignoring same .Company is aware and in knowledge account not mines I have nothing to do with account and I have requested a cancellation letter, Portfolio Recovery Associates , LLC, account number XXXX is inaccurate and misleading company account inconsistent Im attaching letter and documents sent to company on XXXX XXXX That company ignore to respond Account not mines Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe 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 2021-05-18
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Dynamic Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dynamic Recovery Solutions of XX/XX/XXXX, SC has been attempting to collect a debt from me since XX/XX/XXXX. I disputed the debt in XX/XX/XXXX, and shortly thereafter requested that they cease contact with me. They resumed near daily contact win XX/XX/XXXX. I again requested that they not contact me. This week I have received a mailing and two phone calls from Dynamic Recovery Solutions. I do not wish to be contacted again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

I have requested LexisNexis Consumer Center to reinvestigate these accounts : they haven't taken these names or address off my account. 

section 2 record 1, 3, 4, of the report 1. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IL XXXX XXXX section 3 record 1 of the report 2. phone number XXXX XXXX section 1 record 1, 2, 3,4,5 of the report 3. XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if NO PROOF HAS BEEN SHOWN? 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
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 2023-07-07
Company: Experian Information Solutions Inc.
State: NE
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:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. Exeprian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX recently received a copy of my ( XXXX, XXXX and TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX Making the report is not INCLUEDED on my Consumer report! 
A XXXX payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2018-07-09
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: Investigation took more than 30 days

Complaint:
I sent an investigation request to Equifax on XX/XX/XXXX. THey are supposed to respond within 30 days. But two months have past, and I have yet to get a response from them. I got responses back from XXXX XXXX and XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I MADE A DEPOSIT INTO MY TD BUSINESS ACCOUNT ON XX/XX/2023 FOR {$100000.00} THEY PUT IT ON HOLD FOR 6 DAYS. AFTER THE 6 DAY I CALLED UP AND ASKED WHY I STILL HAVE NO ACCESS TO MY ACCOUNT. THE BANKER WHO OPENED MY ACCOUNT HAD NO CLUE WHY THIS WAS HAPPENING TO ME AS WELL. I THEN CALLED THE TD BANK CUSTOMER SERVICE REP AND THEY SAID THE SAME EXACT THING. " THEY HAVE NO IDEA ON WHATS GOING ON ''. AND THAT THE BACK OFFICE ARE THE ONES RESPONSIBLE FOR THIS. NOW THE BANK IS CLOSING MY ACCOUNT AND NOT LETTING ME KNOW WHAT IS HAPPENING WITH MY MONEY. IVE BEEN TO THE BANK MULTIPLE TIMES AND EVEN CALLED MULTIPLE TIMES. MY BUSINESS IS IN JEOPARDY OF CLOSING BECAUSE OF THIS. AT THIS POINT I FEEL I HAVE BEEN ROBBED OF MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Filed many disputes for almost a year now with Consumer credit bureaus and sent Santander letters since XX/XX/2023. Has not be resolved per my countless request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Received negative Experian credit report on a delinquent XXXX XXXX XXXX from XXXX XXXX in early XXXX Never applied for the card. Disputed the acct with Experian as fraudulent. Experian investigated my claims with XXXX XXXX and emailed me the results of the dispute around XX/XX/XXXX. They stated that the information that XXXX XXXX provided to them was accurate and if I wanted to further dispute it I need to contact them directly. On XXXX XXXX spoke to customer representative from XXXX XXXX, gave her my correct name, address, dob, and ss #. She stated she could not find an acct in my name with the info I gave her. Could not tell me why it still showed up on my credit report. Says she will look into it further but in the mean time I should file a fraud report with the police and with fraud alert. gov and send them a copy

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 2021-05-18
Company: EQUIFAX, 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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My husband took out a 2nd mortgage on our home in his name only with Ditech.Financial LLC. My husband has passed away and I need to sell my home. My name is on the home but Ditech gave him the 2nd mortgage without my signature. Now with my husband being deceased they refuse to give me, the Title Co. or anyone else the payoff information of the 2nd. mortgage. Causing me to not be able to sell my home, without expensive attorney fees. The Title Co. has reached out to Ditech, via fax, phone and E-Mail. and they will not even acknowledge receiving the information from the Title Co. I have reached out to Ditech, I have even given my sister access and permission to act on my behalf. They deny having that information on file. Now they say they can't even speak to me. My sister spoke with a manager at Ditech, hoping to get this issue resolved. He too is not willing to resolve the issue without expensive attorney fees. I feel like the loan should not have even been given without my signature, if this is the game they play. Is their any way you can help me without having to pay expensive attorney fees.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.

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 2023-10-03
Company: EQUIFAX, 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:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Dept of Ed XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: SYNCHRONY FINANCIAL
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased an item which I assume was a promotional price and was charged over {$400.00} in one lump sum of interest charges without any prior notifications or opportunity to pay the balance prior to doing so. I was told that due to the item not being paid in full by a certain date that all accrued interest over 6 months was charged at one time. That is insane as the interest went to the bill raising the total monthly interest. I want this refunded since I was never notified of this in written or email

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
bad warranty, both companies have violated my rights per the FCRA : they have violated the truth in lending act, consumer laws : it's being reported to all three credit reporting agencies in their affiliated third party agencies XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX, has continued to charge illegal fees, reporting amount, not accurate. From charge-off in XX/XX/XXXX, then change to ( open ) status past due {$14000.00} when vehicle was involved in accidenXXXX XXXX XXXX has reported each month from XX/XX/XXXX as past due with {$0.00} amount due each month, updated balance from {$14000.00} XX/XX/XXXX - XX/XX/XXXX, increasing by {$10.00} to {$14000.00}. As of XX/XX/XXXX balance increased to {$14000.00} to allow the loan to remain as a open status on all three credit reporting agencies reports. Once a loan reports as a charge-off in sold to a third party lender, it can not report as ( open ) on any report. This account has been issued to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

XXXX XXXX XXXX credit card was not open by myself, they continue to report to all three credit reporting agencies and their affiliates inaccurate information, fraudulent company names to each reporting agencies. 
They are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX each company uses the same account loan #, but with different open dates balance of {$440.00}. 

FCRA promotes the accuracy, fairness, and privacy of information in the files. Under these laws as a consumer all my rights was violated.

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