BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: OK
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 went to get a car and the car dealership said it would only be their one lender and I recieved notification that multiple inquires were added to my consumer report without my authorization. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Santander Consumer Usa has been reporting inaccurate information on my report for years. They take innocent people falsify income information to get you approved even with horrible credit scores and have you pay out the Roof! interest rates. 33 States are Litigation with this company. I feel based on the facts I should be eligible. I'm simply asking to investigate my auto history from santander and ask for method of verification. I got tricked into paying my account although ; I still disagree with everything they claim to be as negative or charged off. I got rear ended in a car accident none of this should be on my account. Thousands of customers will tell you how much of a fraud company santander is.I would like to file a complaint for me being a victim of Deception and Predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
I just checked my XXXX XXXX XXXX score. It used to be XXXX, but on XX/XX/2022 I noticed that it went down dramatically to XXXX. 

I have an A-1 payment history, and I have made 100 % of my payments on time. I have not made any new major purchases. The only change was my address, and I don't believe that should cause such an extreme decrease in my credit score. This is causing me to have difficulties obtaining premium interest rates when applying for loans, and credit line increases. 

I have attached a screenshot of my XXXX XXXX XXXX score to this complaint.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is bothersome! The Credit reporting agencies have not yet complied with the Fair Credit Reporting Act section 605b and continued reporting the disputed Fraudulent accounts and information on my Credit File. I have read that the Credit Bureaus are required to remove any account and information that resulted due to Identity theft, under the Fair Credit Reporting Act section 605b. However, the Credit Bureaus have been ignoring my disputes and as well as the CFPB Complaints I have been submitting. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crime. I never authorized anyone to use my personal information to open or inquired about any account on my behalf and that the accounts were opened due to fraudulent transaction. I am submitting this CFPB Complaint to you today to request that the Credit Bureaus completely remove the disputed accounts and information that resulted due to identity theft. I previously sent a disputed letter addressed to the Credit Reporting Agencies with complete attachments of my personal identifying documents and I have been waiting for their response since then. The Credit Bureaus have failed to respond to my letters and have claimed that the disputed items were mine. By the provisions of the FCRA section 605b, I am requesting that the Credit reporting Agencies remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$500.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$8000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$50.00} XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : 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 2022-11-28
Company: Siggi LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I've recently learned that this company has a history of a class action lawsuit ( ref. ADMINISTRATIVE PROCEEDING, XXXX XXXX. XXXX ). I have now found that this company has violated the Military Lending Act again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
On XX/XX/2022, I requested that XXXX remove the inaccuracies on my consumer report concerning tradelines and hard inquiries. XXXX, Equifax and XXXX have failed to promptly update and correct information that was furnished to the Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Information was furnished to CRA about severely delinquent or charge-off accounts but failed to furnish Dates of First Delinquency for those accounts in violation of FCRA 623 ( a ) ( 5 ), 15 USC 1681s-2 ( a ) ( 5 ). 

Due to the failure to delete the inaccurate information and willful noncompliance I am request damages as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have had my identity stolen. Someone opened multiple accounts with Bank of America in my name and then used it for fraudulent purposes. The accounts were closed by the bank due to fraud but it has negatively impacted my credit tremendously. I have spoken to the bank and their investigation may take months. 

The perpetrators used an expired ID card in my name apparently so the accounts should never have been opened in the first place. I need help. 

Bank Name : BANK OF AMERICA CALIFORNIA Bank Routing # : XXXX Account # : XXXX Bank Name : BANK OF AMERICA CALIFORNIA Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For CauseXXXX 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 2022-06-25
Company: Experian Information Solutions Inc.
State: IL
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, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD, 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 explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: TN
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 XXXX Account # 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 explanation
Consumer complaint received 2022-09-20
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Fay Servicing, XXXX XXXX. XXXX XXXX XXXX, XXXX TX is one of the properties on that loan. Fay Servicing is supposed to pay the insurance policies for the property out of escrow. 

Earlier this year, they paid for the insurance policy on XXXX XXXX out of escrow. The following month on XX/XX/2022 they claimed that there was no insurance policy on the property and the purchased a second policy for the property, paying XXXX out the escrow account for a second policy. I contacted them several times and emailed copies of the insurance policy in effect and uploaded copies of the insurance policy to their website. I asked that they cancel the second policy and refund the money. 

I called them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I uploaded documents XX/XX/XXXX and emailed them on XX/XX/XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: Information belongs to someone else

Complaint:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that 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 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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX OF XXXX XXXX XXXX {$3500.00} MEDICAL XXXX : {$140.00} MEDICALXXXXBalance : {$210.00} MEDICAL XXXX : {$210.00} MEDICALXXXX : {$210.00} XXXX FUNDING ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I sent a check for payment on my account by mail. The check was from XXXX XXXX XXXX  XXXX, XXXX. Check number XXXX for {$12000.00} The check also had our names- XXXX XXXX and XXXX XXXX XXXX on it. The check posted on XX/XX/2022, it cleared the bank on XX/XX/2022. It has not been credited to my account. I am still being charged interest on that amount and now late fees. I called twice last week to get this resolved, and again today.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX  XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has been denying my request to remove items included in identity theft off of my credit report. these accounts were opened online using my ssn. i have disputed this since XX/XX/2022 and transunion has been verifying fraudulent items without submitting to proper investigation and verification of accounts. Transunion has not acknowledged my federal document that was given to me by the Federal Trade Commission, and has continuously reported items noted to be deleted. These accounts appear as open accounts on my report which is relecting bad on my credit profile. Transunion has also violated my privacy right according to the fair credit reporting act. 

15 U.S.C states that i have the right to privacy U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account or my personal information without my written or verbal instruction. 

Transunion has never got instruction from myself to report these erroneous items. 
the following accounts are included in this dispute : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  credit card and 12 inquires that is listed in federal trade commission identity theft report my i.d, proof of address, ssn, and copy of ftc report was mailed to transunion and recieved on XX/XX/2022 via certified mail

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 2022-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 : 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 2022-06-25
Company: Home Loan Center, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Tried to get a loan through " Lending tree ''. This company said I had to verify my bank so they had transferred {$990.00} to my account and then had me with draw this amount and send it bank through XXXX XXXX They then stated my credit score was still to low and so they deposited another {$1900.00} dollars into my bank at this point my bank checked where the money was coming from. The money was fraudulent checks from XXXX XXXX  nothing to do with lending tree. My bank dispute the {$1900.00} but won't dispute the {$990.00} due to it leaving the account even though I had no idea what was happening. I will now be forced to pay the {$990.00} back to the bank when I needed financial help to begin with. All of this took place through XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME. THESE INQUIRIES ARE REPORTING WITHOUT MY KNOWLEDGE AND THEY ARE DUE FOR REMOVAL.

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