BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened the Santander Bank " Ultimate Cash Back '' Mastercard at the branch because I was told I would have interest-free cash advances for a year. This turned out not to be true. I already filed a complaint with the bank which was resolved ( they refunded my interest charges ). Now there are fraudulent charges being made to the card. I tried to resolve this. The charges were removed, but keep reoccurring. I asked for my account to be closed but the bank did not close my account. I emailed several times with the regional VP XXXX XXXX XXXX who told me several times that I need to call customer service, which I also did several times. ( Note that I am currently working in XXXX XXXX so this was difficult with time differences and no toll free number from here. ) Customer service initially reversed the charges and told me my account would be blocked, even though I clearly asked my account be closed. The account then continued to rack up fraudulent charges. I can not file claims using the bank 's website or phone app, the only way is to call. I have repeatedly asked to close the account. I need help to close the account.

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 2020-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Certified letter tracking number XXXX Delivered on XX/XX/2020, and signed for. 

To Whom It May Concern : On XX/XX/2020, I sent Equifax a certified letter with all of the required paperwork, stated that I am a victom of ID THEFT, and I also sent a request that would place a 7 year fraud alert on my credit report. I also sent Equifax my Identity theft report, along with a letter explaining what items that I discovered were a result of Identity theft. I also, sent a copy of my drivers license and Social security card. 

The accounts are listed below. 

According to FCRA section 605B, ( 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Equifax has failed to block these items on my credit report, and is in direct violation with the FCRA. I demand that Equifax BLOCK the listed items Immediately.. 

I have attached the exact same documents to this complaint, that were sent by certified mail. 


XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX In the event that Equifax fails to answer this complaint. I might consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: LA
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 begging you please remove this to the credit report

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please remove unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account number XXXX {$1600.00} HIPAA VIOLATION XX/XX/XXXX - received collection letter, including a statement from the hospital XX/XX/XXXX - sent a validation letter to collection agency XX/XX/XXXX - received another letter from collection agency, including an account summary, listing visit details ( HIPAA violation ) XX/XX/XXXX - sent letter stating HIPAA violation and requested that this debt is removed from my credit report. 
XX/XX/XXXX - debts were updated on my XXXX report Account number XXXX {$170.00} DID NOT VALIDATE DEBT XX/XX/XXXX - received collection letter, including a statement from the hospital XX/XX/XXXX - sent a validation letter to collection agency XX/XX/XXXX - debts were updated on my XXXX  report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Modification paperwork was submitted, and we were told not to make payments during the modification process. We submitted documentation for the loan modification at least three times. XX/XX/XXXX, we received notice asking for two most recent pay stubs and YTD income for each job. On XX/XX/2014 we received notice from Ocwen that pay stubs for borrower one were not legible. The letter also indicated that a complete package for the modification must be received by XX/XX/2014, or a new loan modification would need to be submitted. XX/XX/XXXX, XXXX, and XXXX 2014 we received to notices requesting us to submit borrower 's one pay stubs. The pay stubs including all paperwork was submitted again. XX/XX/2014, we received a letter from Ocwen stating that the application was accepted. If more documentation would be needed, we would be notified in 5 days. XX/XX/2014, we received another letter stating that the application had been received. We would be notified within 5 days if more documentation would be needed. XX/XX/2014 foreclosure documents were delivered by the county sheriff 's department. We were given 7 days to vacate because the home was foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid a medical collection to Collection Consultants, and subsequently informed them that because it was a paid medical collection, they must now delete it from my credit report as required by the XXXX XXXX XXXX and Accountability Act ( HIPAA ).

They have refused, and violated my rights under HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: NRA Group, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$250.00} NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: MA
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:
they have gone to far out all the evidence that i have sent in of Fraud and their violating of me i have nothing else to say. this has become a legal matter civil and criminal. the lawyer 's will handle this. Experian has every piece of documentation, they probly did not bother to print them out.most likely ignored. I did stated that this person has done this before and got away with it but not this time they ( experian worker )

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 2022-11-12
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is regarding Experian credit reporting agency only. 

A new collections report submitted by a collections agency posted to my account in past week. The account is reported as a credit account but is not a credit account. The collections account is a utility XXXX XXXX. XXXX does not report accounts to credit reporting agencies but reports unpaid accounts as collections that violate Fair Credit Reporting laws regarding utilities.

I disputed the utility reported to my Experian account however Experian 's lax dispute process did not address the fact the account is not a credit account but a utility account. Within 24 hours of disputing a utility account on my Experian account the account was held to be valid although utility to companies do not report accounts. Also, Experian does not make CFPB complaint results available to consumers and instead refers consumers to it's Dispute Resolution Center which refuses to provide requested information.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  accounts below have violated my rights : Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Type : XXXX Account # : XXXX Account Type : XXXX  Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.S.C. 1681 section 604 A 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 explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, THESE ARE HARD INQUIRIES DAY Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX SER XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX SER XX/XX/XXXX Experian XXXX XXXXXX/XX/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

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 2020-10-29
Company: Experian Information Solutions 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:
XX/XX/2020 sent dispute letter to Experian for erroneous item on my credit report that is not on XXXX  or XXXX. They responded back verified. I then sent a 611 letter XX/XX/2020 in which they responded back " not able to honor my request. '' XX/XX/2020 sent a letter exercising my FCRA section 611 ( a ) ( 6 ) ( B ) ( iii ) ( 7 ) rights. Experian violated my consumer rights by not providing the proper requested documents I am entitled to by law. Experian sent an email stating to call to get dispute results they were not available online & the updated results were blank & no change to my report. I was told my Experian Rep XXXX XXXX XXXX on XX/XX/2020 at XXXX XXXX  EST that they do not have to provide method of verification. She also said they got the info from the courthouse which I know is false because in the 1st verified letter they sent to me they stated account was verified by XXXX  XXXX. They need to be help accountable to violation FCRA laws. This is illegal & as a consumer my rights have been violated. They need to delete off my credit report immediately. Each time I file a complaint they respond they can't verify my identity. I have attached my ID and supporting docs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: OH
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 was taken advantage of due to malpractice while your company broke several laws under FCRA. You've hurt my financial ability to attain credit. 15 U.S.C. 6805 was amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to give the CFPB primary responsibility for enforcing the GLBA 's consumer protection provisions for certain financial institutions. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. As you can see on the attachments I've provided for evidence none of the credit reporting agencies have all the same inquiries. The CFPB has issued guidance suggesting that CRAs should not report excessively granular payment history. This emphasizes the need for a balance between providing sufficient information for credit assessment and respecting consumer privacy. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. You Violated the United States Code Law 15 U.S.C. 1681g ( a ) ( 5 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. No agency shall disclose any record that is contained in a system of records by any means of communication to any person, or another agency, except under a written request by, or with the prior written consent of, the individual to whom the record pertains 5 U.S.C. 552a ( b ). I did not give written or oral consent to any company to disclose any of my non-public personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Transunion also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness

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 2019-01-28
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAVALRY is attempting to collect on the judgment that is not mine. Judgment was filed back in 2010 and lined my property this is Not my account!!! I tried to dispute this with Cavalry, but they refuse to investigate or send me proof why they decided to lien my property for someone else 's debt ... Instead now they are harassing me for the payment..Now they started calling my work, even my ex and threatened to arrest me if I didn't pay the amount right away ... I attempted to contract the law firm who furnished the lien but they are NO longer in business or DO NOT exist as I was not able to find any business license under XXXX XXXX XXXX XXXX at all. this is fraud and should be stopped please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ALL 3 " CRA '' FAIL TO SEND COPY UPON REQUEST IN WRITING OVER 45 DAYS AGO ... ID WAS ATTACHED WITH REQUEST LETTERS SENT ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At XX/XX/2017, I received a offer deal information in my Bank of America XXXX account, which states I could earn a {$100.00} bonus after I receive two direct deposits of at least {$250.00} each within 90 days of new checking account opening. So I opened the account at that date, and I received an additional confirmation letter from Bank of America at XX/XX/2017, reference # XXXX. From then, I have received multiple direct deposites more than {$250.00} including payrolls and tax refunds, but I still didn't receive the bonus until today. I have contact Bank of America about this issue, but the representatives continus telling me that I should not be targeted for this offer because I have already took this bonus before. I acknolwge that I had another {$100.00} bonus from Bank of America in the early 2017, but the second offer letter doesn't mentioned this is a once per lifetime offer. As a result, I want want to get your help to receive the {$100.00} bonus from Bank of America. Thank you!

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