BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: AL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX  XXXX Balance Owed XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; NAVIENT XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$740.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: AMERICAN EXPRESS COMPANY
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-11-02
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My late mother, XXXX XXXX financed a vehicle through Santander several years ago. She unexpectedly died in XXXX of XXXX. I immediately contacted the company above and told them that she was in the hospital since XXXX of XXXX and was unable to make decisions or speak properly due to the medications they had her on for a XXXX  XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to advise the above that I have power of attorney over her and attempted to make a payment on her car, which did not go through because when she died, probate kicked in and XXXX  XXXX XXXX immediately locked/seized all assets. I wrote them a letter advising them that I could not access any funds until probate was filed in XXXX XXXX court and that I would be interested in them taking the vehicle since I could not handle it until the judge made his ruling. We still have not been able to file her probate and are about to. The vehicle sat at my property this entire time and nobody tried to come get it politely. On XX/XX/XXXX my grandmother borrowed the vehicle to move belongings from her storage and drove it to XXXX Tx where she went into a XXXX for XXXX mins, tops ( this was confirmed by a XXXX XXXX XXXX Sheriff ). The sheriff advised her that the vehicle was towed away/repossessed. When I tried to call Santander, the staff was very rude and adamantly refused to speak to me because I was " not the account holder ''. I would have been happy to provide legal documents, death certificate, etc. They left my XXXX XXXX XXXX XXXX grandmother stranded out of town and one agent told me I could speak to the estate department, the last one that I ended up having to get nasty with was the one who refused to speak to me. I feel that this is an illegal repossession, as they took belongings that I needed from the vehicle *XXXX XXXX XXXX XXXX XXXX XXXX XXXX* and refuse to tell me how or where I can get my family heirlooms and medication out of the vehicle. They completely stonewalled me and disregarded the probate law by illegally sending out stalkers/PI/spotters to stalk my grandmother out of town. I will be looking into legal action against this unscrupulous company. Please fine/close them down so that they do not target other families that have lost a relative that mistakenly financed through these crooks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/XXXX I disputed an account via notarized Affidavit stating the multiple inaccuracies. The account was not FCRA COMPLIANT nor in compliance with the METRO 2 guidelines. I pointed out the incorrect and untrue reporting with no rebuttal beyond the 30 days allotted. No rebuttal to an affidavit stands as true in the eyes of the law. Ive notice this account fluctuates in dates which manipulates the statute of limitations also. I feel I am a victim of identity theft and I request a block of this account. According to federal law I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted according to federal law 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me revenant to the request to block the identified transactions. The identified transactions are not info related to any transactions by me as the consumer.

You are required to do what I am asking and block these transactions from being reported to my consumer report and file within 4 days from the date of the receipt of this notice. I look forward to your response.

6802 gramm-leach Bliley act grants me the right to privacy and confidentiality.

I Never opted in and gave permission to use my private information and The four identifiers that are required to block the following information is included. 

Please remove/delete/block the following accounts ; XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22 at XXXX I used the Apple Card chat feature to let them know I needed a partial dispute. I was told they were working on it for about 2 hours but I saw a provisional credit for XXXX cents, not XXXX dollars. When I questioned it I was told it would be rectified. Over an hour later I asked for a supervisor that said it was input incorrectly and it would take up to 10 business days to correct. I asked to get a call. I was provided the phone number for the incorrect department. To file a simple dispute, I am STILL sitting here 4 hours later on hold for someone to rectify this situation and properly credit the account and file the appropriate dispute, or confirm it has been done thus far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As a victim of identity theft, I sent a 2nd letter on XX/XX/18 to Equifax outlining the information I was disputing on my credit report. In XX/XX/2018, an address in XXXX NM, that does not and has not ever, belonged to me appeared on my Equifax credit report. Subsequently, on XX/XX/18 and again on XX/XX/18, I received letters from Equifax stating that the NM address had been updated to my current address. On XX/XX/18, I sent a letter to Equifax disputing the NM address. On XX/XX/18, after waiting since my first letter of dispute in XXXX, I received an updated credit report that supposedly corrected all the disputed items. It still has the NM address on it. 

Then, on XX/XX/XXXX, I received from my ex-husband, a letter that was sent to his address where I have not lived for 17 years. It was a letter updating my address from his address to my current address. I called Equifax to see why the letter was sent to that address instead of my current address which they obviously have had since XXXX. They told me that they had not sent a letter to that 17 year old address. When I pressed my concern, because of the NM address, they again denied sending a letter there. Finally, they connected my with a different person in a different department who filed a dispute about both the NM address and the former address which should not still be on my credit report. They responded that this process will take at least 30 days and I will be notified via email regarding the outcome. 

I have had difficulty with Equifax throughout the whole process of obtaining my credit report, freezing credit, filing disputes and communication regarding the identity theft. I have had no difficulties with either of the other companies ... XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: FC HoldCo LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to formally report and document a case of identity theft involving fraudulent inquiries on my credit report. I have recently discovered unauthorized credit inquiries on my credit report, and I believe that I have fallen victim to 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 explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$45000.00} XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Several SCRA Federal acts have been violated. The time of having the card I was on a contractual assignment with the XXXX XXXX. PFCU is reporting incorrect information to third party credit bureaus damaging my financial reputation.

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: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nebraska XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Dear Transunion, I am writing to dispute the inaccuracies on my credit report that is currently being maintained by TransUnion. I recently reviewed my credit report and was extremely disturbed to find several inaccuracies that are having a negative impact on my credit standing and financial well-being. 

I have attached a copy of my credit report for your review, and I have highlighted the inaccuracies in question. Specifically, I have found the following inaccuracies : Please see attachment with the list of inaccuracies I respectfully request that you conduct a thorough investigation into these inaccuracies and remove them from my credit report as soon as possible. I have not authorized the reporting of this information and I am confident that it is not accurate. 

I would also appreciate a written explanation of how these inaccuracies ended up on my credit report and what measures TransUnion has taken to ensure that these errors do not occur in the future. I am providing this information in accordance with my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to hearing from you soon about the resolution of my dispute. 

Sincerely, 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 2023-03-14
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was seeking to refinance a new vehicle loan to lower the rate that I received with the dealership. I was immediately denied for the sole reason of " causing a loss '' over 20 years ago when I filed a bankruptcy. The amount owed was repaid under the terms of the bankruptcy and was agreed to by Navy Federal. However, the remark is attached to my profile for XXXX They won't even look at my income, collateral, credit score, or history since discharging the bankruptcy. They are more than happy to take/hold my money but I am forever barred from borrowing from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Notified by US Bank Rep that my US Bank Business Credit Card  was late on payment despite no notification via my personal online banking profile or email. My bank statement said I owed {$0.00}. 

I made payment with the US Bank Rep over the phone for minimum payment. 

I was notified by the US Bank Rep that she would put in something so I can see what I owe on my personal banking profile. This would occur on Monday XX/XX/2023. I was also notified that US Bank will reach out to me on Wednesday XX/XX/2023 in order to establish my business profile where I can see the statement, make payments, and be up-to-date on the account. 

As of right now, I only have my personal online banking profile login and I need to establish the business online banking profile so I can see my balance, make payments, see the statement, and so on.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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, 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 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