BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was trying to get a personal loan, and the bank came back notifying me that I have a freeze. So I called Equifax first because I assumed it would be with them since my XXXX XXXX app showed Equifax not updating for some time now. When I first called, the representative I spoke with had told me that there was no freeze which shocked me. So I ended up going to the other bureaus and the freeze was not with them either. So I called my bank representative back and told them that all three bureaus had said that my accounts were not frozen, so i am not sure what to do now. So the bank rep did a little more digging and reached back out to me letting me know that the freeze is showing up at Equifax. So I called back and spoke with another rep, I told them that i just called and was told that my account wasn't frozen, but my bank rep was saying that i do have a freeze with Equifax and I need to get it lifted. So I went through the process again of giving them all my info and now they are telling me that they can't tell me if my account is or is not frozen and I am being required to send in additional info to prove my identity. I get the fax number from the rep and verify all the required info and I asked how long it will take. They tell me that it will take 3 - 5 business days. So I reach back out after 8 business  days to give it a little more time and they tell me that they haven't received anything from me. I asked them if there was an office I can go to in person because this is now getting very frustrating and they tell me no, that I can either re-fax it or send it by mail. Well I told them I don't feel comfortable mailing all my personal info and I am not going to re-fax it because it obviously doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: TENET HEALTHCARE CORPORATION
State: FL
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 just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have discharged Bankruptcy 2012 and I have credit cards company starting I owe money and its showing on my credit report. I tried to get them removed but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: FL
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 spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP

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 2019-06-03
Company: Experian Information Solutions Inc.
State: MO
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 paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.

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 2019-06-03
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a checking account with the US Bank. A the end of this XXXX, I experienced a check forgery. When I sold my car, the guy who bought my car stole my check and counterfeit my signature and made himself {$2500.00}. When I checked my account on XX/XX/XXXX, I found the forgery check posted on my account, and then I reported to the US Bank immediately. On XX/XX/XXXX, the US Bank sent me some forms to file. I also reported it to the police office. 

I submitted the required documents by following the instructions of the US Bank. After that, I called the US Bank about every two weeks to check the status of my case. During this period, the US Bank did not contact at all. On XX/XX/XXXX, when I called them, they told me that they have finished the process of my claim, my claim has been denied, and they refused to reimburse me the {$2500.00}. 

At the same time, the police officer finished the investigation of the case. They found the criminal and obtained the original check, financial documents, and the video of the suspect depositing the check into his checking account as evident. So everything is clear. But the US Bank refused to take their responsibility to reimburse me the {$2500.00}. So I hope to complain the US Bank.

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 2019-06-03
Company: EQUIFAX, INC.
State: AR
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 a victim of identity theft XX/XX/2019 I have faxed the police report and conviction report numerous times to equifax and have that information on file as proof, even though equifax sent a report stating XXXX /XXXX XX/XX/2019 XXXX/XXXX   XX/XX/2019 XXXX XX/XX/2019 were removed XX/XX/2019 they are still on my credit report! I have called them NUMEROUS times to no avale! also XXXX/ XXXX   XXXX  XX/XX/2019 also made a hard inquiry even after i explained to them i had been a victim of identity theft and the representative assured me it would not show up on my report! after having worked tirelessly endless hours I am beyond completely Fed up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Santander should never have extended financing if I had negative residual income. I trusted my dealer. I was never asked what my monthly debt obligations were or income. I do not work, I am a XXXX XXXX XXXX utilizing the end of my XXXX XXXX XXXX XXXX and it has reached the end. My original intent was to trade my XXXX auto that I bought from that dealer, and use an additional {$7000.00} to {$10000.00} that I saved as a down payment. My credit is extremely low and has a lot of medical bills defaulted with a rating of under 300. When I expressed my concern and worry stating I could only afford {$220.00} per month MAX, the owner of dealership would wave his hand telling me not to worry and I would be leaving his dealership in a brand new car. When I told him I needed to go home and write my check for down payment, he said " just bring it when you can, no rush ''. That didn't sound right. When I told him that I only wanted to pay {$7000.00} down, he said I couldn't do the deal then and wouldn't have a car. He said that since my credit was so very low, I had to use Santander Consumer USA with a MANDATORY service warranty and this weird arbitration clause which I do not understand. When I said I did not want a warranty, it was a brand new car, he told me it is attached to loan and I have to. The sticker price on car was {$34000.00}, my down payment equals {$17000.00} ( {$10000.00} cash/ {$7000.00} trade in and pay off ), 14 % interest rate from Santander 72 months with a total sale price of {$50000.00} (? ) and a lot of verbal chatter about this is a " different '' type of loan and not to worry about it. I called XXXX ( owner of dealership ) on my way home crying telling him I can not afford a {$470.00} per month car payment. I never in my life had a loan payment that high for an automobile. He said it was too late. I left him a voicemail ( night of sale ), called him in morning, sent emails and told him he has to take it back I can not afford it. He said it was " too late ''. I have defaulted since the loan originated in XXXX, XXXX. Santander never even looked at me and noticed I had a negative income? Isn't that by LAW what they were supposed to do according to their agreement from XXXX? My loan is unaffordable and I defaulted every month since I got this loan. They need to forgive this loan. I trusted my dealer too! He knows I'm a XXXX XXXX XXXX trying to get my degree and I do not WORK yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After a reviewing a most recent copy of my credit report, I found a derogatory remark placed there by MEDICREDIT collecting for 2 medical bill that I have no knowledge of and NEVER received any notice from this agency written or otherwise. I was never given the opportunity pursuant to Fair Credit Reporting Act, Fair Credit Billing Act and the Fair Debt Collections Practices Act to dispute or request validation of these alleged debts, they just without validating this information place these negative accounts on my credit reports which is a violation of my rights as a consumer. 

They are attempting to collect for : XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$2200.00}

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 2023-02-16
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
You are reporting an incorrect amount on my credit report. The last bill I received was below {$700.00} I moved out of that apartment and the utility was disconnected before I did so in XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
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: Investigation took more than 30 days

Complaint:
On, or around of XX/XX/XXXX. After several letters, of disputing! XXXX still reporting US BKPT CT. Fr  XX/XX/XXXX- to present? XXXX XXXX,XX/XX/XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/XXXX - XX/XX/XXXX. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX. No validation! TransUnion, reported to XXXX XXXX XXXX, XX/XX/XXXX/-XX/XX/XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX.claim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.

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 2019-06-03
Company: Experian Information Solutions Inc.
State: MO
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:
The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XXXX 2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$XXXX} 2 ) XXXX XXXX XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX XXXX {$XXXX} 5 ) XXXX XXXX XXXX {$XXXX} 6 ) US Dept of Education {$XXXX} 7 ) XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX {$XXXX} 11 ) 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 2019-06-03
Company: EQUIFAX, INC.
State: MO
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:
The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XX/XX/2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX {$350.00} 3 ) XXXX XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX XXXX XXXX {$140.00} 6 ) US Dept of Education {$3800.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   XXXX 10 ) XXXX XXXX XXXX {$71.00} 11 ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX, The Bank XXXX XXXX Visa XXXX, The Bank Of XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TD BANK US HOLDING COMPANY
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:
TD BANK N.A has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The last time I used this store card the balance due was {$1200.00} in XXXX, XXXX. 
By XX/XX/XXXX the total increased to {$5700.00}. I identified to the customer service agent that these were charges of identity theft and was laughed at. 
I obtained an attorney In XXXX, XXXX after numerous harassing phone calls were made to my cellphone daily as well as mailing letters requesting payment. On XX/XX/XXXX a letter was mailed to the company explaining that an attorney had been obtained and to stop all contact with me. 
Now I was informed that during the month of XXXX, XXXX my ex-wife was notified on her cellphone and letters were mailed to her new residence and she was never listed on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against enhanced recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
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 a victim of identity theft. I learned in XX/XX/2020 that my personal information was used to attempt to open an account at Ace Cash Express and therefore place a hard inquiry on my credit report. I first called in XX/XX/2020 where I was told they would take care of it in the next 7-10 business days. When I called back in XX/XX/2020, they said that whoever I talked to in XXXX was incorrect and that I needed to write them formally via USPS ( the only company of several that asked me to do this vs taking my directive over the phone after verifying my identity ). I sent them a formal letter along with an Identity Theft Report from the FTC on XX/XX/2020. Almost 6 weeks later, I have yet to hear back from them.

Company response to consumer: Closed with explanation