BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
We purchased a vehicle and financed thru Santander Finance. After going through hardship we lost the vehicle. XXXX of this year I reached out to Santander because it was showing an open balance on our account. I told them if they would do a pay and delete I would pay a settlement price. They agreed to do it. This was under both my name and my husbands name XXXX XXXX. I paid the settlement amount but the account is still showing on my XXXX, XXXX, and XXXX as well as on my husbands bureaus. We feel lied to and when we call Santander they just blow us off and say the account shows paid XXXX balance but it isnt supposed to be on the bureaus at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In accordance with the fair credit reporting act, XXXX file number XXXX and 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.

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 2023-02-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( XXXX, XXXX, and TransUnion ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED, XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as 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 2018-08-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fifth Third Bank incorrectly listed my second mortgage loan as " reaffirmed in bankruptcy '' from XXXX. They use an external company ( XXXX XXXX XXXX ) to process their bankruptcies. This service filed a reaffirmation agreement with the court that was subsequently disapproved. Fifth Third never updated their record as " discharged in a bankruptcy '' from " reaffirmed ''. 

XXXX XXXX XXXX says : " it's not our fault..we just process '' ... .Fifth third says : " It's not our fault ... we use an outside service '' ... the credit bureaus say : " It's not our fault, we send the dispute and they leave it the same ''. 

In three weeks of research I finally got the data to fifth third and they claim they updated their records to " discharged in bankruptcy ''. BUT ... .they say they won't report it to the bureaus that way. And of course the bureaus won't change the data on their own. 

The XXXX amendment to the Fair Credit Reporting Act mandated ( section 623 ) that data providers must adhere to the same requirements of reporting ACCURATE DATA as the bureaus. Just because they suffered a loss in a bankruptcy is no reason for them to adopt a cavalier attitude on maintaining accurate records. 

I filed a CFPB complaint against the bureaus on this and they washed their hands of responsibility. I am filing this one against Fifth Third and hoping the CFPB will protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Source Receivables Management is trying to collect a debt that was sold to them by XXXX. I never signed any agreement with Source Receivables Management. I sent a certified letter to them requesting a contract that has my signature on it stating that I owed their company. They sent me the contract from XXXX. XXXX has already written off this debt and received a tax credit for the debt. Also, Source Receivables Management is not licensed in the State of Georgia to collect debts. I have sent certified letters to XXXX, XXXX, and XXXX making them aware that Source Receivables Management can not collect in Georgia and they still verify the debt and leave it on my credit. I provided the credit bureaus with the information that i received from Source Receivables Management. XXXX has stated that they verified the debt via XXXX XXXX. My XXXX XXXX account has been frozen fro over two years. Not sure how they are able to get information from XXXX XXXX when my account is frozen. My account has also been frozen with XXXX, XXXX and XXXX. It is very evident that XXXX, XXXX and XXXX are not reading the correspondence that shows the evidence of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove the negative status in this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 and other adverse items of information, other than records 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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I submitted a complaint with CFPB regarding this issue and the response from the CapitalOne did not address the purpose of my complaint. I need the company to articulate the reason why the request for a credit increase was declined. It directed me to the same link in the initial letter. The letter to stated there was a further explanation for the decline supplied on a supplemental page however no further context for this specific reason was listed on the supplemental page. When I called CapitalOne to inquire for the reason of the decline the agent said they could not help me and directed to refer back to the letter for guidance. This has created a circle with no accountability or recourse for someone who has been a good customer for several years. I am making a simple request and I don't understand why there is no information or transparency. I feel the decision was determined using discriminatory criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: HYUNDAI CAPITAL AMERICA
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a Victim of identity theft.

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 2023-02-12
Company: Resurgent Capital Services L.P.
State: GA
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 am victim of identity theft and someone used my personal information to obtain this fraudulent account in my name without my consent. I am requesting for your company to delete and remove this fraudulent account from all three major credit reporting agencies or legal actions will be taken against your company. I did not benefit from any goods or services of this fraudulent account. I have also attached a copy of my police report filed with the XXXX Police Department. 

My rights have been violated. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Experian has two car rwpos that did not follow any state notices 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Also these collection agencies or trying to aue mw in court one has dropped the case when I notofoed them of the notices because they know they are wrong.

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 2023-03-05
Company: CarMax, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Attn : Carmax XXXX XXXX XXXX XXXX XXXX Va XXXX To whom it may concern : In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 under section 602 states I have the right to privacy, 15 usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions and lastly under 15 usc 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit as late for any purpose. Because Carmax Has violated my right with the fair credit report act Im looking for my late payment history to be deleted, which includes the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: IL
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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
I sent a letter on XX/XX/XXXX, to remove the following inaccurate information that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. Please investigate this closely and remove them from my file as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$7600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$120.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX 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 2022-02-16
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: Their investigation did not fix an error on your report

Complaint:
I have made multiple disputes with XXXX, Experian concerning the same reported accounts, XXXX XXXX  and XXXX XXXX XXXX. XXXX removed the incorrect account but XXXX and Experian are only taking a couple of days to verify accurate. XXXX reported accurate the day after the dispute was submitted the first time. The last submitted dispute was XX/XX/2022.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Name : XXXX XXXX XXXX : XX/XX/1966 Last XXXX : XXXX XXXX, Transunion and XXXX failed to provide a debt validation for alleged debt to XXXX XXXX  account XXXX. I would like XXXX, Transunion, XXXX to remove the account, because they were not able to validate the debt under FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
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: Was not notified of investigation status or results

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation