BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
**PLEASE READ** THIS IS NOT A DUPLICATE. 

Santander says XXXX  changed the account status to " Closed '' on my credit report because there was an open investigation. They told me to contact XXXX. XXXX  told me that they did not change the status, but Santander is responsible for reporting the correct info to them. They opened up a dispute for me and sent it to Santander, but it came back as verified as accurate. See two screenshots. 

SANTANDER, PLEASE REPORT TO TRANSUNION THAT THE ACCOUNT IS STILL OPEN, AND UPDATE THE BALANCE. THIS IS AFFECTING MY CREDIT SCORE. THE PERSON WHO HANDLED THE VERY FIRST CFPB COMPLAINT FIXED THE STATUS AT XXXX, SO IT IS POSSIBLE. THE STATUS AT THE OTHER TWO BUREAUS IS CORRECT SO PLEASE DON'T CHANGE THOSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is reporting a negative debt entry on my credit report. I strongly believe that my credit profile may have been mistaken for someone else 's. I've requested an investigation of this debt or an immediate deletion of the entry if the creditor can not support their claim. I've never done business with a creditor by this name. According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, they are in violation of two different consumer credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX/CBNA to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021

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 2022-07-14
Company: EQUIFAX, INC.
State: IL
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:
Upon checking my Complaints # XXXX, XXXX, and XXXX, I found out that it was closed last XX/XX/XXXX. Again, it has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of unverifiable items found on my credit report XXXX XXXX XXXX Balance : {$1400.00} ; XXXX, IL XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: LEXISNEXIS
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Three Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you all know that each credit bureau is being sued as we speak for their dishonest practices, reporting that they verified, when they never followed UCC 1 308 Concerning the protocol and protection the clients information. Allowing these corporations to break the law and siding with them under false pretenses. 
Now, I expect you to read and act accordingly concerning failure to neglect these companies breaking laws. While you allow the credit agencies to report these fraudulent accounts that all have been doing illegal practices, inaccurate reporting, each bureau provides different information, bringing debts current when they are not. This is all illegally not ethical. 
Now concerning the information reported by these credit bureaus, I have never authorized my information to be shared with anyone. I have no signatures nor business with these collections and I also disputed them on my credit several times, which was never posted on my credit during the dispute. They remain on my credit during the dispute. 
LAWS BROKEN When you dispute anything it should be removed for 30 days along with proof not a phone call to debtors. They must speak to neighbors in person, Next, Dates and accuracy must all line up with information reported on every report, that is a law broken. 
Next, The amounts of any debt must be accurate. 
I spoke to several accounts and XXXX SAID I OWE THEM NOTHING NOW FOR TWO YEARS, They are inaccurate identify theft and I explained this several times my information was stolen from a US POSTAL SERVICE I reported this and they never reported it nor placed dispute one time. 
XXXX XXXX XXXX XXXX filed a 1099 C debt cancellation, and 1099 A to complete to balance which all products are prepaid using the cusip number. 
This debt was also included into the PPP Loan and write off on the original debt. 
Next the debt says payment is behind, late, and current. All illegal, the date is already paid for and I do not owe them anything. 
Next These collection agency do not have authorization to have my personal information especially with me being a secured party creditor not debtor. Acting in the Private. It is illegal to allow these people to contact me regarding the strawman 's debt using my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc. Collection agency keeps reporting false debt on my report. Out of the blue one day, I received an alert through XXXX that I had a new collection account. I immediately looked it up and saw that the original debt was owed for a XXXX XXXX account, which Ive never had. I contacted XXXX XXXX to verify if someone was using my name and was told that I should report the company because there was not now nor never an account in their system with my name. I filed a dispute and the false claim was removed almost immediately. I assumed it was a mistake and moved on, but last week, the same account showed up again, with reason disaster relief as the reason I didnt pay, and thats a complete lie. Never owned the account, nor owed the debt and need this company out of my life and my credit file permanently. I disputed the account again and had it removed from one credit account, waiting for the other two. This company may have some valid accounts, but mine is not one of them! If they report anything else, I will be forced to hire an attorney to protect myself from this type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion has taken the debt companies explanation of terms and conditions of a XXXX office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX   review down in order to wipe the debt that never should have exsisted 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 2017-07-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account with SYNCB/Jc Penny 's that is showing up on my credit report as close/charged off..the debt never belonged to me and has been charged off.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Upon checking my Complaints # XXXX, XXXX, and XXXX, I found out that it was closed last XX/XX/XXXX. Again, it has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of unverifiable items found on my credit report 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
My name is 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 2022-10-23
Company: SYNCHRONY FINANCIAL
State: PR
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:
On XX/XX/2022, I went to Sam 's Club in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The Sam 's Club 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank ( Synchrony Bank ) approved my credit limit of {$1000.00}. This credit represented a personal Sam 's Club credit card. This credit if for shopping in this store and Walmart only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit. 
THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in XXXX credit bureau because of this credit card application. I make a phone call to XXXX and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to Sam 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that Synchrony Bank is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call XXXX, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the Sam 's Club 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME. 
I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in 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 explanation
Consumer complaint received 2018-12-16
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi, I'm in the loan forgiveness program and my student loans are managed through XXXX. I received a letter on XX/XX/2018 stating my new monthly payment was recalculated for {$450.00}, but on my billing statement it stated I owed : On XX/XX/2018- $ {$230.00} On XX/XX/2018- {$210.00} On XX/XX/2018- $ {$210.00} The XX/XX/2018 letter stated : " Since you are enrolled in Direct Debit, we will automatically extract your monthly payment amount totaling {$450.00}. 

On my billing statements it states : " You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you requested. '' I never requested to pay an additional amount. I've been paying {$450.00}. 

I recently had my payments recalculated because I was having troubles making payments. I have all my billing statements and related letters. 

Thank you for your help and happy holidays! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$310.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion reported me having 1 past due account. And they lowered my FICO tremendously compared to the last month. 
I requested my credit report and there is no late payments. 
I called TransUnion and representative confirmed that I don't have any delinquent accounts. 
When I told him about this problem he said he can't do anything about it. 
I need to apply for a credit card for my business and can not do it because of the unfairly lowered FICO score. It is affecting my business and my life.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 


Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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.

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 2022-07-14
Company: Experian Information Solutions Inc.
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 submitted a Complaint last XX/XX/22 but I found out that my XXXX XXXX  XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the unverifiable account found on my credit report : 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 non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX offered a personal and unsecured loan for {$11000.00} in XX/XX/XXXX. Mid XXXX I had problems paying off and XXXX eventually sold the debt to XXXX XXXX XXXX which unknowingly sued me and won a judgement in their favor. 

Ultimately, they turned collection over to XXXX XXXX which I paid in full {$16000.00} dd XX/XX/XXXX. 

Judgment has been released by the XXXX XXXX dd XX/XX/XXXX ( copy attached ). 

I have several times tried to dispute the open balance XXXX still reports as late as XX/XX/XXXX in the amount of {$7800.00} to Experian credit bureau with Experian but XXXX rejected my dispute and false. 

I have also asked XXXX via certified mail to correct this error by XX/XX/XXXX but they have not replied.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief