BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX WOLF XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX PREMIER XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXX RAN ) XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$64.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt collection in the amount of XXXX This account is does not belong to me. They claim the original account was XXXX XXXX. I have contacted XXXX XXXX in XXXX when this amount first appeared on my credit report. There is no record of a debt under my social security number. Furthermore, I filed a dispute with all three credit bureaus in XXXX via certified copy letters. The charge/account was found to be an error. The accounts were removed within 2 months. In XXXX the charge reappeared on my credit report as Jefferson Capital. I have made repeated attempts to notify this collection company that the charge had been investigated and does not belong on my report. The call center agents have not provided any documentation that would show proof this account is linked to my social security #. 
This type of erroneous reporting is a violation of the Fair Debt Collection Practice Act. The fact that this account has been single reason for the delay of my mortgage preapproval letter since XXXX of XXXX exemplifies how this reporting system violates customers civil right as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Kindly remove these fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items are inaccurate and fraudulent XXXX Im seeking XXXX. Please delete them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: GA
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 according with the FCRA convergent account below has violated my rights In accordance 16 USC 1681 Section 1602 A states I have the right to privacy.

16 USC 1861b Section 2 also states : A consum
er reporting agency can not furnish a account without written instructions. 

XX/XX/XXXX XXXX XXXX XXXX Partial Acct XXXX {$1800.00} XX/XX/XXXX XXXX XXXXXXXX Acct XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$0.00} ( 3 Entries ) XX/XX/XXXX XXXX XXXX Acct. XXXX ... {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$4400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Acct. XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX GA XXXX ID # XXXX XX/XX/XXXX XXXX XXXX  Acct. XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$78.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$200.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has a data breach, and my account keeps getting hacked. They have changed my name and my phone number on my fraud alert. I had my account frozen ; the hacker froze it and kept opening bank accounts in my name. Please help. Ever since Experian started advertising on XXXX, everyone 's account keeps getting hacked.

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 2018-03-07
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/2018 - There is an incorrect address listed on my Experian credit report. I have never lived in Massachusetts.

Experian will not handle the dispute online.

When I call to have the dispute handled, the wait time is 2 hours. This is unacceptable.

I can not help but feel that Experian is a scam website. My first credit report came out without this fraudulent information - granted, it had *other* fraudulent information - but the most recent one includes two pieces of *new* fraudulent information. Are they trying to scare me into buying their product? How did my credit report get so much worse in the 2 weeks that I have been using Experian?

Thanks.

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 2020-04-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Due to COVID I had a check come in late. My bill is due on XX/XX/XXXXI saw that Citibank had started processing my payment on the XX/XX/XXXX. It came back NSF on XX/XX/XXXX. I moved funds into the XXXX account that they withdraw funds from. I called Citibank and manually paid the bill on the XX/XX/XXXX. I spoke to a Citibank representative at that time and explained that I had manually paid and that I had had some delays due to COVID. He said it was fine, that I wouldnt be charged late fees because I had called. 

Subsequently, they have tried to collect the same bill 3 times. Each time I call and each time they say they can do nothing about this. So far I have had to pay XXXX $ in NSF fees because after 2 weeks they are still trying to collect the same bill which has been clearly posted as paid. In the mean time, they are charging me late interest on the same bill claiming the fees are standard on an unpaid bill. They are now not taking my calls. 

The 3rd time I called them they said it had been taken care of. I asked them to remove my autopay feature, and send paper bills. I informed them that XXXX would be refusing any further autopay from them. The next day they did it again. They are crippling me financially. 

The managers say there is nothing they can do. Every other bank I have recognizes that if I make a manual payment that my minimum due has been paid. But Citibank practices predatory lending practices and is currently collecting late interest and continues to ruin my good payment history with XXXX. I am reaching out to you because I have no other idea how to resolve this. Attached are my bank statements that clearly show that the minimum due was paid and that they have continued trying to collect 3 times after it was paid.

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 monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX was a told that someone from XXXX  called and asked me questions to open a new credit line, when I called XXXX they said no one from XXXX had called. Prior to incident I filed complaints with XXXX, they said they would take care of the situation, they did not it escalated, making it so I continually called them. After the incident the situation escalated at which time I filed reports with Gov agencies including the Cfpb. At this point XXXX admitted they had made computer errors, I I have this on tape and they had to manually fix the errors. They apologized but did nothing. I have not received anything from discover. Multiple identity theft reports were made since last year into this year.

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 2020-04-05
Company: AMERICAN INTERNET MORTGAGE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Aimloan.com sent me an email stating what my rate would be with points. I was already locked in to a certain day. They sent 3 options I had requested via email based on the day I locked. Then when I choose an options that was less points with a higher rate they emailed back stating they had priced incorrectly and that I needed to pay more points. Misleading and trying to unnecessarily charge me more because I picked a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: DISCOVER BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a credit card with XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Common Pleas Court case number XXXX XXXX XXXX ). 

I also opened a credit card with XXXX XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Municipal Court case number CVF XXXX ). 

I settled both cases that year and I have since paid the debts off completely. However, XXXX XXXX and XXXX XXXX XXXX both continue to report these accounts negatively. The negative reporting is driving my credit score down and I need the information to be updated with the CRAs to reflect that these disputes have been settled and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I sent According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

With Trans Union LLC has refused to properly verify accounts with Consumers that is reporting unverified account. 

They are reporting information that has hurt my ability to obtain credit. 

They refused to obtain original consumer contract with my signature on it. 

The company 's that I requested that Trans Union verify was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-12-23
Company: ALLY FINANCIAL INC.
State: KS
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:
There is a inquiry on my report I didnt do Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 XXXX  company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41 Date : XX/XX/2023 Ally Financial

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 2023-07-10
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XX/XX/XXXX, to the point where I'm having trouble sleeping.

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 2019-06-18
Company: SYNCHRONY FINANCIAL
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My wife, whom I'm getting divorced from tried to open a credit card through this company. They allowed her, without my permission to sign for me and gave her a line of credit. I attempted to dispute this and was put on hold or transferred to 5 different people all explaining there's no way this would have happened. But alas, it is on my credit report and they have nothing to remedy or investigate the fraudulent activity. 

They not only gave her a line of credit and a card but they also wouldn't give me the card number or any information to hire and attorney or protect myself from what my wife has done without my permission. 

They wouldn't even give me information regarding the limits or %. Even though I could prove it wasn't me due to my wife being in Florida and me being in 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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XXXX I requested XXXX to send either validation of this alleged debt or proof of contact with wet ink signature. They responded on XX/XX/XXXX with a brief response that read a 1099-C was not issued because the debt was not canceled or forgiven. They only acknowledged a very small portion of what was asked of them. I have no knowledge of this account and would like proof of me signing for such a contract and the terms. They do not have my consent to furnish innacurate accounts on my consumer report and this has resulted in pain and suffering and defamation and denial for credit. I would like them to stop invading my privacy and cease all communication and delete the file from my report immediately.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
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 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 2020-04-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was placed on unpaid furlough at my job as a direct result of covid19  and they would not assist in any way. They would not defer or offer any options to help me other than pay or repossess car. 
During this time, my husband became a XXXX in the XXXX XXXX and they pushed his date for boot camp to XX/XX/XXXX due to COVID-19 also. I told them this and asked if I can forfeit the vehicle and they denied this as well.

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

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


Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : Untitled Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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