BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying to resolve this issue with them for several years now and the companies actions with closure of the account didn't correlate to what was discussed on countless occasions. Nor does it correlate or match with the amount of the transactions that was in question or anything promised. I called the company initially when I saw the account closed to figure out what happened to the funds that were frozen in the account. They said they sent a letter explaining their decision and I would receive in the mail within a few business days. Initially my identity was stolen and my account was hacked into and had several unauthorized transactions occur which resulted in roughly {$5000.00} to be withheld in the account. The company had stated that the funds which were left in the account would be reinstated to the rightful owner who they came to a decision and the amount of loss I suffered through this account being compromised was just over the value of {$7500.00}. The transaction that was being questioned essentially was amounting to {$5000.00} so they said it would either be returned to the sender or it would be issued to me in a check. However when the account was closed the provided no information on their decision and issued me a check for the amount of {$2400.00} which makes absolutely no sense that's not even half of the value that was owed and there was no explanation for the decision as they had promised I would receive in that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I'm a Consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. My personal identifying information has been improperly used to furnish negative accounts on my consumer report. My credit file has suffered severe damage due to XXXX XXXX negligence and furnishing fraudulent inaccurate accounts, with no respect to the FCRA and fdcpa. Furthermore youre reporting is inaccurate, erroneous and fraudulent accounts, and without my prior written consent or authorization. 
Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than XXXX business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS Equifax FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-08-28
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I went into lost mitigation with Santander Bank N.A. in XXXX due to COVID-19. I started making payments in XX/XX/XXXX and signed and notarized loan documents in XXXX XXXX, My mortgage statements do not reflect the loan modification and they have reported me to the credit bureau twice saying I am behind on my payment, when I am not. They have corrected these mistakes, but it keeps happening. 
I signed new loan documents XXXX XXXX because they said there was an error on the last one signed in XX/XX/XXXX. 
Since then I have been working with the assistant manager, XXXX XXXX, but they have still reported me to the credit bureau yet again saying I am over {$20000.00} past due on payments when I am not. 
I still can not sign into my online banking and have the correct mortgage amount listed as well as the correct interest rate, monthly payment due, and term dates. 
I have not yet received monthly statements, reflecting these changes either. 
Something needs to be done. This has been going on for two years now.

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 2023-04-28
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a account with Citi Bank that they closed on me. I was not at my limit and they closed the account. Any derogatory reporting to credit bureaus should be deleted immediately. I didnt close the account. Any unpaid debt or late payments being reported should go back to the creditor due to closing my account. This action needs to be updated and reported to all bureaus immediately for deletion.

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 2021-03-17
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX XXXX XXXX XXXX on XX/XX/2020. 
I had a u.s. bank reliacard, with approximately XXXX XXXX dollars on it at the time I was hospitalized on the above stated date. I was released a week later, only to suffer an XXXX XXXX  XXXX on XX/XX/2020 and emitted to inpatient care until early/mid XXXX. 
Around the XXXX I was XXXX from XXXX and discovered that my account was emptied ... And continuously used over the course of my hospital emittance without my approval. I immediately contacted U.S. BANK after reviewing several phone messages via text of possible account activity ... however ; I was in a very dire state. As I was confined to a hospital bed, unable to barely XXXX. I sent in all necessary articles of proof via fax to u.s. bank including admittance firms and dates, as well as went as far as to contact my local unemployment office to try and arrange a call to verify these charges and withdrawals to no avail. Over the course of time while I was admitted my account had accumulated an additional XXXX XXXX dollars as well, which me and a representative of u.s. bank went over detail for detail the day I found out which was XX/XX/2020 or XX/XX/2020. A complaint was filed, charges deemed fraud, and a new card was issued. The final total of fraud charges was about $ XXXX XXXX dollars gone!! And nobody willing to help!!

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 2023-01-14
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: Information belongs to someone else

Complaint:
This account was never paid late by me as it is reported. I returned the XXXX XXXX XXXX in XX/XX/XXXX and got a new XXXX XXXX XXXX. I was not responsible for pay XXXX payments. I only had a XXXX  months lease that is from XX/XX/XXXX to XX/XX/XXXX not XX/XX/XXXX. I paid the dealership and they was supposed to take care of the payment. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are a XXXX day XXXX payment. The XXXX years I had lease with XXXX I was never late with a payment. 
This late payment is hurting my chance to lease or buy again with you. It is also hurting me from buy a home. 
After doing so please provide me with an updated.

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 2023-05-15
Company: EQUIFAX, INC.
State: IL
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:
15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation!! Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!

I have attached an id theft report, proof of identification, proof of address, and social security card for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion keeps on readding a debt collection that is a result of identity theft that doesn't belong to me. The Debt Collection agency reached out in which the debt collection has been removed from my other XXXX  bureaus however, transunion keeps playing with my credit report by re-adding this debt when it was the collection company themselves that had removed it from all 3 bureaus. Attached I will include the statement from the debt collection agency after an investigation reliving me off this debt. I need transunion to stop these illegal actions with my credit report or I will end up suing.

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 2023-02-23
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SANTANDER CONSUMERUSA ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: SYNCHRONY FINANCIAL
State: IL
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:
On XX/XX/2023 I sent a Notice to OPT OUT letter by Certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX that Synchrony Bank stop reporting negative information on my credit report. 

As of XX/XX/2023 they are still reporting negative information on my report and are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.

I never received a notice in writing from Synchrony Bank informing me that they were reporting negative information on my credit report.

Synchrony did respond with a digital letter ( see attachment ) and clearly ignored and did not understand my request.

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 2023-11-01
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
At XXXX XXXX XXXX on XX/XX/, I received an e-mail alerting me to a purchase on my Citibank XXXX XXXX XXXX card in the amount of {$10.00} including taxes. The purchase of XXXX gallons of regular unleaded gasoline was made at a XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. At the time I received the e-mail, I was sitting in my office at home in possession of my credit card. My wife does not drive nor have a card for this account, nor does anyone else. I suspect my credit card information may have been skimmed from a gasoline pump during my last fill up at the XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on 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 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
For months I contacted bank regarding NSF fees hitting repeatedly account and their allocation of funds available and when they post creating this domino effect and they said they would look into it, than no one called or emailed back, call again nothing, than they come out with no more fees and than follow up and tell me too old to reimburse! I stopped using account and they just closed me for no activity.

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