BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: DC
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 called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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 have contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify it.

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 2020-01-19
Company: SinglePoint GI
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never needed nor have i ever took out any type of loan for an education. I didn't even go to school after high school. This is not my debt. There is no reason to try to collect a debt from me, because my credit report is clean, except this and i don't owe any companies money, or in collection status. This is not my debt. Remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Santander Consumer USA Holdings Inc.
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX - I was new to the USA with no credit history. Santander Consumer USA offered me a loan at an APR of 27 % for a {$14000.00} XXXX XXXX. I was paying on the car, never missed a payment. In XXXX I had to move out of the country full time due to a family emergency which had me living overseas for 3 years. I voluntary surrendered the car in XXXX and the car was sold for {$8000.00}. I also up until then had paid almost {$5000.00} which was primarily in interest fees with a 27 % APR. In total they had made over {$13000.00} on a XXXX XXXX XXXX. 

I am currently back in the USA and am looking into purchasing a new car and was denied due to Santander Consumer USA 's charge off on my credit report. I then read that they are in a XXXX dollar settlement and are required to remove and forgive all debts from consumer 's credit reports. I sent a letter to have the debt validated and they did not validate the debt, I sent a letter trying to settle the account and did not receive a response and yet they still continue to report a balance to the credit bureaus on an account that has been charged off since XXXX. I resided in a state that is included in the settlement and have yet to receive any documentation regarding the removal of the account from my credit report. 

I have called Santander executive offices and have just been passed around, I have sent letters to the credit bureaus requesting to have the debt validated and to no avail. 

This is my last resort in getting Santander Consumer USA to make a move. I live in a state with extremely harsh winters and I do not have a reliable car. I do not have the luxury of waiting on Santander to make a move. Santander has literally financially scarred me and I am just now realizing how inhumane a 27 % interest rate is. 
I have offered to settle this alleged debt and they neither denied or accepted the offer. Not even a response validating this debt. 

I would like this removed from my credit report on the sole basis of what was agreed upon in the settlement offer. I am not asking for money from the settlement, I am simply wanting this removed from my credit report and the alleged debt forgiven due to their unfair credit practices. 

You have made money on this XXXX car. Why do you insist on keep punishing me?? Why do you insist on practicing unfair business practices despite having a lawsuit against you? The market is saturated why do you insist on collecting on a charged off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my XXXX, and 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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF CONTACTING LEXIS NEXUS WITHOUT MY AUTHORIZATION AND IGNORING MY DEMANDS FOR AN OFFICIAL INVESTIGATION WITH STEP BY STEP WRITTEN DOCUMENTATION OF THE WHO, WHEN, WHERE, WHAT METHODS, DATES, NAMES, NOT PROVIDED ALLOWING XXXX TO ILLEGALLY CHANGE NAMES UNDER THE ACCOUNT WITHOUT LEGAL PROOF THAT THE FEDERAL LAW STATES THEY ARE TO FOLLOW AND OBEY THOSE LAWS WERE NOT FOLLOWED THOSE LAWS WERE NOT DONE MY RIGHTS WERE VIOLATED ON MULTIPLE OCCASIONS MY RIGHTS WERE VIOLATED FOR A PROFIT BY THIS COMPANY

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2023-06-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent in letter to the reporting company to fix my personal information and nothing was changed. There are still unknown addresses and names that dont belong to me on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent a bill from Capital One Quick Silver a few months back. I was told they would do an investigation. The amount back then was over XXXX XXXX dollars. I never ordered a card in my name. 

I believe I am the victim of identity theft due to certain information about my college, date of birth, and work activity and my face was on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I became a soul proprietor this year so I'm rally going through my finances this year for the first time. Going through my Amazon/Synchrony statements I noticed a " protection '' fee. After calling Amazon I was told to call the number on the statement. After calling the customer service rep told me that I have been paying this fee since XXXX! I never signed into this and if I did I was surely unaware of a fee. After cancelling the service I did my due diligence and started searching online to find out that they others have gotten full refunds when this has happened. I was told I was over the " XXXX days ''. This is absurd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: KY
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom it May Concern : I have a PayPal account and a PayPal credit card through Synchrony Bank. On XX/XX/22 I made a purchase for {$6100.00} for my daughters braces to XXXX XXXXXXXX XXXX. The payment went through and my credit card was changed that amount. I have never had a balance that high so I wanted to immediately pay it off as I always do anyway. I have never been late for one payment and I usually pay my bill multiple times a month to keep my balance down. I submitted a payment late Thursday night XX/XX/22 on the webside and there was a message that the transaction failed and to try again later. So I immediately tried again to submit the payment but it failed again so I decided I would try the next day. The next morning on XX/XX/22 I had an email from paypal that the payment went through but there was 2 emails and the payment went through 2 times. I called the credit card that day and said they had made a mistake and processed my payment 2 times. They said there was nothing they could do to stop the payment from being processed through my bank account. They recommended if I didn't want over XXXX being taken from my bank account I could call my bank and do a stop payment to avoid the withdrawl. The other option was to have it processed then have the credit company issue a check in 15 business days for the mistake. Since they recommended the option of doing a stop payment I chose that because I did not want my bank account drained. I called my bank, XXXX and they stopped the payment, they could not stop just one they had to stop both payments. After that Paypal cancelled my bank account as a payment option because the payment did not go through. I called paypal and explained the situation and added my bank account again and made the payment on XX/XX/22. This was after trying to go online and pay and the payment and it was rejected because I didn't realize they took my bank account off the payment option. I also tried to by gas and my card was rejected. I called back and found out that Synchrony closed my account and didn't even tell me. I feel I did nothing wrong. I paid all my bills on time and just followed the advice of the customer service rep that day to put a stop hold on the payment so my bank account did not get drained 2x the amount I actually owed. I did call and complain and asked them to review my records and reopen my account but they still denied me and closed my account. This is an injustice to me. Please help me resolve this issue. I am hoping this does not damage my credit score. I applied for another credit card with XXXX XXXX and I was denied on XX/XX/22. This is very upsetting. Thank you for your time. 
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 2020-01-19
Company: EQUIFAX, INC.
State: TX
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:
I'm completing this complaint because I'm beyond frustrated with EQUIFAX credit reporting agency in regard to my credit file. I have been trying for over 3 months unsuccessfully to access my report and I have gotten no assistance from this company. From what I have researched this is a violation of my rights and needs to be addressed. I have tried to access my information online to remove my credit freeze and review my information and despite verifying my information there are reseting my password I'm repeatedly prompted to call XXXX. This is a never ending phone loop that requires you to enter your information before being transferred to a person. Once you are transferred to a person you are still required to answer the same questions AGAIN and more. EVERYTIME I call I'm forced to ask for a manager that speaks and understands english because the people that answer the phone do not. I've called at least 3 times and I'm extremely frustrated with the lengthy waste of time as well as the fact that EVERYTIME I ask for a supervisor I'm either transferred to the 2 question survey, hung up on, or repeatedly aggravated by the repeating myself MANY times because I'm instead transferred to a different representative. I should not feel that my personal information is being held hostage by foreigners!!! What good does it do me to ACCURATELY verify my information DIRECTLY FROM MONTHLY BILLING STATEMENTS and the person on the other end doesn't comprehend me! I have a freeze and ONLY I HAVE THE PASSWORD AND IT'S ME but I can not get my own information. I'M TIRED OF THIS AND NEED TO EXCERCISE ANY RIGHTS I HAVE TO ENSURE THIS IS FIXED AND EQUIFAX IS HELD ACCOUNTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC reports with 8 accounts and inquiries that are fraudulent and I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently received my updated credit report and there is a Collection agency named Fox collection center on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation