BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

SANTANDER XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting to my consumer report as a charged off account. A charge off is considered a certificate of indebtedness which means IT IS income. Income can not be reported. This account must be removed from my consumer report per IRS Publication 4681 ( 2022 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments ( For Individuals ) See XXXX XXXX XXXXXXXX This is a violation of my Federally protected consumer rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They have been trying to corner me to send my notarized photo ID in because I failed a voice password verification about three months ago. Having failed to forcibly extract that information ( which no other bank or credit card company I've dealt with has come close to requiring ), they have decided to XXXX with my online banking -- I can't even log in and make my minimum payment, because it says the password is incorrect, and when I try to reset the password, they say that the information I put in it to obtain a new password ( my email and my social security ) is wrong. Which is more likely -- that I don't know my email and my social security number, or that they just REALLY want to forcibly extract my photo ID from me, and they're making things more and more difficult for me ( when they locked the credit card, I had decided that I would just make the payments, and never use the card again ) in order to do that? What kind of insanity is this? Why can't they settle for a 2FA like every other credit card or bank? What are they planning to do with my information that they NEED it SO BADLY? It's extremely worrisome.

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 2022-06-27
Company: CREDIT WORLD SERVICES, INC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I requested my transcripts from XXXX  XXXX University and realized I had a financial hold on my record. I paid off the amount that was told to me and they released my transcripts. In XX/XX/XXXX, I requested my transcripts again and an additional hold was placed on the same day that I advised if there was anything left to pay and was told my account was cleared. No one can advise what this hold is for and why was it added after the fact, I attended this university for 1 year in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: MD
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 been attempting to get a mortgage refinance since XXXX. I believe the system has treated unfairly. My credit score was a XXXX in XXXX of this year and I owed XXXX in debt. Now I don ; t owe anywhere near that I am still being harassed. As soon as I clean up one thing the XXXX put more on. 

I have all you can see many complaints and I am tired of complaining! All it does it hurts my credit score. Whats Fair about that? 

I had planned on purchasing a automobile after I refinanced my house but the bureaus want to control when you even do that, I am a XXXX XXXX XXXX. My credit usage depends on what is going on in my XXXX XXXX XXXX. But no bureaus won't report the true activity. In this case I sold a property and have to relocate the contents of the home elsewhere. Hence, HIGH USAGE ON MY PERSONAL CARD WHICH IS REALLY USED FOR BUSINESSS! 

The house has sold and so with the proceeds I will pay the bill in full. I guarantee you if I look at my report someone will have reduced my credit limit for no reason except the but hole creditors made it appear unusual. What's Fair about that. 

I applied for a Auto Loan and got approved first for XXXX at 6.14 84 months then got quoted XXXX 9.39 interest 72 months XXXX and the last time XXXX 6.64 for 84 months XXXX. Whats Fair About that? Same Accounts different bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On approximately XX/XX/XXXX I took my vehicle a XXXX XXXX XXXX to XXXX XXXX in XXXX, IL to get an estimate of what it would cost to service my automatic transmission that was leaking transmission fluid and also to stop an oil leak that needed a rear main seal. I was given a quote of $ XXXX complete the repairs and put in the seal. It was agreed with service technician that once the transmission was moved out of the way they would install the rear main engine seal at no charge to stop the oil leak. 
On approximately XX/XX/XXXX I returned to retrieve my vehicle after being contacted to pick up the vehicle it was ready and work had been completed. When I asked to test drive my van I was told that the technician had already driven it and it was fixed. I paid the clerk/receptionist {$1000.00} cash and $ XXXX charged to my XXXX XXXX amount due after my senior discount. The following day I found oil and transmission fluid leaking on my driveway pavement from said vehicle. I contacted XXXX XXXX I was told to watch it for several days. The leak continued! On XX/XX/XXXX I took my vehicle to XXXX XXXX XXXX dealership. They found that the engine rear main seal needed replacing which XXXX XXXX agreed to do in writing. I had to pay XXXX XXXX approximately $ XXXX have this work done.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$850.00}

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 2022-11-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  SERVICES XXXX BANK XXXX XXXX XXXX BANK XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX SERVICE XXXX XXXX  - XXXX  SERVICE XXXX XXXX LOAN XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2022-09-21
Company: LEXISNEXIS
State: MD
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:
LexisNexis has violated my rights to privacy. 
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 XXXX : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account XXXX : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account XXXX : Bankruptcy XXXX XXXX Account Number : 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 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 XXXX years. 

15 U.S.C 1681 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received phone call from XXXX on XX/XX/XXXX, spam filter notified it was XXXX XXXX XXXX. No voicemail was left. 

Received letter on XX/XX/XXXX from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, detailing to send payment online or via wire services. Sheet only details Creditor, Account Number, Balance, Name, and Additional Information For ( Insert State Here ) Residents, that does not include addressed state, or include the Fair Debt Collection Practices Act dispute form. 

Nowhere on the sheet is there information regarding how to dispute for residents not in states it has detailed. Per the new rules effective XX/XX/XXXX, XXXX XXXX XXXX must include a pre-populated form detailing how to dispute the debt validation. 

This is a clear violation of federal law that this company had no intention of following.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
went to check my account and found out that citi bank released my funds without my knowledge or permission to a person I do not know on XXXX in the amounts of XXXX and XXXX all on XXXX to a women name XXXX XXXX XXXX have no idea who she is or how she got Citi Bank to give her my money, I have filed a complaint with them but was denied but I filed an appeal have not heard back as of 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 2023-02-10
Company: Experian Information Solutions 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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: NC
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:
improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXXXXXX 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 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 US SM BUS ADMIN ODA- 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 2022-06-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company has already been taken to court and I won, the charges were dismissed but they still refuse to remove them from my credit report. They say the account is still pending which it is not because the court already ruled in my favor. 

my credit report still shows two things from them. Even with this complaint they are going to lie and say it is still pending. 

Conns {$6300.00} XX/XX/ 2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I received an email from the US Department of Education notifying me that my student loans have been forgiven in full by the XXXX - XXXX Administration, and have been paid off in full. The loan discharge is effective as of XX/XX/XXXX. This notification also contains the following statement : " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' On XX/XX/XXXX, I checked my credit report with all three Credit Reporting Agencies. All three reports were incorrect- they still showed the full outstanding balance on my student loans. 

I filed disputes with all three Credit Bureaus. XXXX and XXXX corrected the erroneous reporting within the 30 day deadline. XXXX and XXXX now correctly show that the loans have been paid off. 

Experian notified me of their dispute resolution on XX/XX/XXXX. Experian did NOT correct the loan amounts outstanding. Experian updated the amounts with a larger amount due, which is also incorrect, and which caused my credit score at Experian to drop by XXXX points. 

Evidently, Experian did not do any research on my dispute. Consequently, Experian is in violation of the Fair Credit Reporting Act as of 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 explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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:
I have been the victim of identity theft. In accordance with the fair credit reporting act XXXX  has violated my rights section 602 A. States I have the right to privacy. Section 604 A. 2 it also States a consumer reporting agency can not furnish a account with out my written instructions. Also most of the information is wrong. I am uploading a utility bill with my correct address all others and other accounts are wrong please delete so I will not be the victim of identity theft again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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 2022-09-21
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau is send pre-typed letter that is not irrelevant to my issue. They also sent two letters to an unknown person further proving the responses are automated. I keep receiving the same response for every complaint I submit.

Company response to consumer: Closed with explanation