BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: Santander Consumer USA Holdings Inc.
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: Account information incorrect

Complaint:
Santander Consumer USA is reporting a 30 day late payment on my credit report after the account was refinanced with another lender and no longer in their hands. I spoke to a representative about the delinquency of my account for the month of XXXX and what the duration I had for my account before it would be reported as 30 days late to my credit. I was in the " slow '' process of getting the account with them to another lender to avoid paying anymore predatory interest on the vehicle. The representative told me I had until the end of the month, XX/XX/2019 to pay the account before it would be reported as 30 day late. Santander Consumer told me I had until the XXXX of XXXX to pay, the car was paid out and closed XX/XX/XXXX. 3 days before the date I was told by one of their reps to to pay by. I noticed them reporting the 30 day late payment after they told me other wise. I got a rep that old me they would be removing the false information. I had to fax over a letter to Santander about the dispute I had. The credit reporting department sent me a letter contradicting what I was told by their rep that the information would NOT be removed. I called yet again and was told to fax over my XXXX credit reports to them. Why I need to send Santander my credit report if they're reporting the information I don't understand. I called AGAIN for the 4th time to a rep that just kept telling me the information was 40+ days past due. I told him about the previous information I had received about making the payment before the XXXX of XXXX. I asked for a manger because the outcome of this company reporting " false '' information after they told me my pay by date is negligent. The manager never came after a long wait time, so I hung up. The credit department apparently can't be reached by consumers. Santander got the account closed out and paid. They no longer have my account. The conversations that was had between my wife and rep.needs to be reviewed. Santander needs to abide by the information provided to me on their end and remove the 30 day late payment on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: CAVALRY INVESTMENTS, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was sued in Virginia for a debt that has passed the statue of Limitations in the state I live in which Is North Carolina. I never received any notice of a pending lawsuit until after it had went to court in Virginia. I then started getting garishment notices from a woman i was dating in Virginia. I have consulted with a lawyer but can't afford to hire one as i am on social security XXXX i was informed it not legal to sue someone in a state where they don't live. My legal address is XXXX North Varolina.They are trying to get around the statue of limitation by sueing me in Virginia when they know my residence is North Carolina.Any help you can give me is greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
My information was used on applications for American Express and XXXXXXXX XXXX Credit cards. I did not apply for these credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
my identity was stolen someone is using my credit and they keep putting back on 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status ) I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed account, Since Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXXXXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the account and was told at the time there was no mobile deposit limit. After I opened it I discovered the limit was {$2000.00}. After a month it was inexplicably reduced to {$500.00}. I believe that's called bait-and-switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I sent a letter ( certified ) to Merchant 's Credit Guide requesting verification of debt being reported on my credit report. In the letter, I also requested the agency to stop calling my phone and that all further communication should be only in writing. The certified letter was received ( with adult signature confirmation ) on XX/XX/2020. On XX/XX/2020 at XXXX XXXX, the collection agency called my number again and left a 3 minute voicemail. The number they called from is XXXX. This is the same number they have used in the past in their communication attempts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
1.hard XXXX  XXXX XXXX was reported XX/XX/XXXX XXXX. XXXX XXXX was reported XX/XX/XXXX XXXXXXXX XXXX reported XXXX XXXX XXXX XXXXXXXX XXXX  reported XX/XX/XXXX XXXX XXXX auto reported XX/XX/XXXX XXXX imports XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX bank reported XX/XX/XXXX XXXX XX/XX/XXXX I have no active account with any of these individuals companies i reported fraud to 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 2023-03-06
Company: EQUIFAX, INC.
State: AZ
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 # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Card # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  Account # XXXX I am writing to file a complaint against XXXX and Equifax and XXXX XXXX  for their failure to provide me with proper validation for an account that has been furnished on my credit reports. 

I have contacted the original creditor multiple times, requesting that they provide me with the necessary information to validate the account, but they have failed to do so. I have attached copies of our correspondence for your review. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws require that companies provide consumers with accurate information and proof that they are authorized to report information to the credit bureaus. 

I am requesting that the company provide me with the proper validation for this account or remove it from my credit reports. I also request that they take the necessary steps to ensure that all future reporting is accurate and complete. 

After disputing this account with XXXX, they conducted an investigation and found no validation and adhered to the FCRA FDCPA laws, and deleted this account from my reports. I am asking these companies to do so as well I will attach a screenshot of the proof of deletion from XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX is due and payable as a corporate expense of XXXX XXXX. XXXX XXXX, a XXXX and XXXX CEO/Founder asked XXXX XXXX, an American and former Executive Contractor to open the US Dollar account for the company since Mr. XXXX was unable to. MsXXXX XXXX did this in good faith for the betterment of the companies. Ms. XXXX has a signed letter by Mr. XXXX confirming this amount is due and payable by him and the company ( ies ). This account is currently in dispute and pending further legal action by Ms. XXXX against Mr. and Mrs. XXXX and their numerous companies ( including but not limited to XXXX, XXXX  XXXX  and XXXX XXXX ) both in the US and 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 2023-02-08
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report once again, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these accounts, It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report Here are the aforementioned accounts : XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX FIN XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Lending Club Corp
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:
I fell behind on Lending club account. I understand it is my responsibility to make timely payments. But the reason for this late payment is particular. It was due to the loss of a very close family member. Some of my other creditors were very understanding a choose to not report and retracted their reporting. I was hoping I would be able to get some help.Prior to this was a rated to be a good consumer, with good credit not my credit is under the water do to this late reporting. I have never been late. Always communicated changes etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Barclays XXXX Mastercard - COVID 19 Scams The balance on the credit card is over {$5000.00} dollars as of XX/XX/XXXX and the actual balance should only be {$1000.00}. 

This is a common COVID 19 - XXXX type scam where banks just make up fake of fictitious balances that 'could be plausible ' so customers sleepwalk into paying incorrect statements.

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 2020-08-11
Company: Braviant Holdings, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. 

Then, today, XX/XX/2020, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. 

The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: DISCOVER BANK
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 was born in XX/XX/XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail. 

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-10-05
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: Their investigation did not fix an error on your report

Complaint:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

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