BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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:
XXXX XXXX XXXX has viladate my rights and HIPPA law. Also has not validated my account after I send certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
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:
I am writing to bring to your attention a matter of great concern regarding the accuracy and completeness of the information contained in my credit report. After a thorough review, I have identified discrepancies that I believe warrant immediate investigation and correction. 

Specifically, I dispute the notation of a late payment on my credit report, which I assert is inaccurate. To address this issue, I kindly request that you conduct a comprehensive investigation into the details of this account, ensuring that all data, including notation dates and balances, is reported accurately, regardless of whether it has been formally reported or not. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In addition, I respectfully request proof of the alleged late payments. According to consumer protection laws, if you are unable to provide such evidence, or if proof of late payments is lacking, I insist that my payment history be updated to reflect a PAANL status ( Paid as agreed, never late ). Furthermore, I request that a corrected credit profile be supplied to any creditors who have requested a copy of my report in the last six months.

To ensure transparency and adherence to legal guidelines, I am also seeking clarification on the procedures used to determine the accuracy and completeness of the information on my credit report. I understand that, as per regulations, this information must be provided within 15 days of the completion of your reinvestigation. Additionally, I am aware that federal law grants a 30-day timeframe for the completion of your investigation.

I must emphasize the importance of validating the items in question with the XXXX  reporting creditor for accuracy. If any information can not be verified by the creditor, I request its immediate removal from my credit report. I expect this process to be completed within 30 days of your receipt of this letter, as mandated by law. 

Your prompt attention to this matter is greatly appreciated. I trust that you will conduct a thorough and fair investigation to rectify the inaccuracies in my credit report. I look forward to receiving a response within the stipulated timeframes. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good Morning, I was charged interest on my American Express Gold credit card in the amount of {$56.00} on XX/XX/XXXX. 

I called American Express on 3 separate occasions over the past 3 months inquiring about why this charge occurred and asking for it to be refunded. 

The following sequence of events occurred : -XXXX XXXXXXXX : I was told the charge was due to Buy Now Pay later feature that was erroneously turned on. I was told the interest would be refunded. 

XXXX XXXX : I was told the charge was due to a late payment, but since I was told the interest would be refunded on the previous call ( which they reviewed and confirmed ) they would refund the interest in the next billing cycle. 

XXXX XXXX : I was told no one knew why I was charged interest and American Express was unable to determine the cause. American Express stated that the information has disappeared, and they would not refund any interest. 

This is alarming and surprising coming from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: KEYCORP
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
A fraudulent transaction was performed on my card from a XXXX, Texas IP address. 
I live in Indiana. I immediately reached out to the merchant and the bank to file a dispute. I was informed this morning by KeyBenefits, after waiting on hold for 2.5 hours, that I would have to wait 15 days or more to have the funds returned to me. For someone who is unemployed through no fault of my own ( COVID ) and needs to feed their family. Its frustrating and unacceptable. This hacker removed almost {$300.00} from my benefit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX  Balance : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00}.

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 2020-09-28
Company: EQUIFAX, INC.
State: VA
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:
Im XXXX XXXX, XXXX XXXX  company in XXXX TN, XXXX is reporting a mortgage to my Equifax credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted XXXX dozens of times but still no action has been taken!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX  XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: LEXISNEXIS
State: PA
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and 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, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Advanced Resolution Services Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/2020 I FAXED ARS ABOUT 3 PUBLIC RECORDS THAT DONT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX I opened a XXXX savings account. The purpose of this account was to managed money to be used to settle on a new home on XX/XX/XXXX. Beginning on XX/XX/XXXX I have been trying to have a wire sent to a title company for settlement which is today. I have called at least XXXX times. I have provided all requested documentation. I still have no money. My account balance is roughly XXXX XXXXXXXX. The wire requested is for XXXX  XXXX. 
My account number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXXXXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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 disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc. I argued that you need proof that someone owes a debt before you ruin their credit and their life by placing fraudulent debts/ accounts on their credit report. Their verification per them was name address, dob and statement showing charges. This is not proof of a debt owed the company said that they verified my name and address etc, so its considered valid. They explained that I could not dispute again with in two years unless I could provide some sort of additional information than what I already provided. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency to report this as valid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: MO
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:
Back in XXXX I requested for XXXX XXXX account # XXXX to send me their XXXX and XXXX regarding legal proof of the resale of the subject vehicle. They did send this information ; However the information that was sent stated a different amount other than the one that was reported on the documents. Also all the for last active dates are different and keep changing which is in violation of the FCRA. Due tot them consistently changing the last active dates it is causing the statute of limitations to restart, for this reason I would like this removed immediately from my credit report. If the credit bureaus do not remove this information they are in direct violation of the FCRA and the creditor is in violation of the FDCPA for reporting the incorrect amounts from what they are reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
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: 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 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 explanation
Consumer complaint received 2020-09-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my XXXX XXXX XXXX on XX/XX/XXXX with XXXX ( XXXX, Tx ) and they used Santander Consumer USA for financing ; and still have an $ XXXX balance on the account as of today XX/XX/XXXX. So far today, I have paid a total cash payments of {$31000.00} on a {$22000.00} loan. The total {$22000.00} of the {$31000.00} cash payments has gone to interest only and is still showing a balance of {$11000.00} on the account. The interest rate is showing to be 18 %. I have asked for help to resolve this matter in help reducing the interest rate and showing how each payment is applied to my account if the interest is calculated per diem. Instead Santander sends out letters to accelerate my account due the struggles of paying for my auto. I believe Santander Consumer are demonstrating unethical practices and with the recent {$550.00} Million Settlement over alleged deceptive auto loan practices does not surprise me not one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: LA
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: 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 and 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 explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX  XXXX TXXXX 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 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted separate, multiple requests via letter to TransUnion Credit Bureau as well as each Creditor, requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

The inquiries that I requested be investigated were as follows : -Financial inst. XXXX XXXX. ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) I can not stress enough, not one of these hard credit inquiries were authorized by me. At no time did I give permission to any of the above institutions permission to access my credit file. 

As noted above, on XX/XX/XXXX I requested TransUnion to investigate. On XX/XX/XXXX, I received an automated response via letter not informing me of any investigation process, but to inform me of how inquiries may have been added to my credit file. I did not ask them how inquiries may end up on my file, I asked them to investigate my unauthorized hard inquiries. 

TransUnion did not investigate anything, they failed to move forward any due process in this matter. 

One Creditor also wrote me back in the mean time stating that they ( they creditor XXXX XXXX ) won't even investigate the inquiry and asked me to contact the Bureaus. So if XXXX XXXX wont investigate, obviously they can not verify the inquiry. With that being said, TransUnion should remove it. 

TransUnion is not doing what they are supposed to do. I am attaching the automated response they sent to me via US Mail, I am also attaching a letter that XXXX XXXX wrote to me stating they will not investigate anything.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2022-08-29
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:
Equifax has been reporting these student loans that I have been. Demanding them to remove. They have already violated millions of consumers rights and dishonored the FCRA. They did not exercise their grave responsibility, they were unfair and they were partial and did not respect my right to privacy. Congressional findings states that i have a right to privacy and i am demnding that it be respected. According to 15 usc 1681b ( a ) ( 2 ) permissable purpose, please show me where I have given written instructions for you to furnish or create this report. Please show me my signature and certifications from the furnishers. I never consented this report in the first place. Remove these accounts that attached immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to a XXXX office suffering from horrible XXXX XXXX. They told me about monthly payment plans and my social was needed for it. I'm thinking to make sure I don't get my teeth fixed and run off without paying them. I didn't think it was to run credit I could've pulled up on my phone!!! Not only that but they didn't tell me that it'll be on my report for 2yrs as an hard inquiry!!! Dropping my credit score for services I NEVER USED!!!!!

Company response to consumer: Closed with non-monetary relief