BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: WI
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 account numbers listed here has indeed violated my rights. Account numbers ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ), ( XXXX ). ( XXXX ).. 15 U.S.C. 1681 section 602 A. States that i have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to Privacy. 15 U.S.C. 1681 section 604 A section 2 Clearly states. A consumer reporting agency can not furnish an account without my written instructions. In general, any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER. ( 1 ). In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. And most importantly ( 2 ). Clearly states, or in accordance with the written instructions of the consumer to whom it relates per Congress. In sum Congress stated that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S.C 1681 .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The credit bureaus are obligated by the FCRA to report accurate accounting. ALL credit reports must match with other reports, with XXXX being the most accurate.Said company has 4 days according to LAW to remove such items that do not match with XXXX. I am requesting TRANSUNION and XXXX to provide documentation that shows my credit report is matching my XXXX report.Said Company is liable under the SEC to follow certain rules. I will be filing form XXXX treasury omb forms to audit consumers account if this issue continues. TRANSUNION and XXXX is reporting contradicting information to what XXXX is reporting. XXXX has updated my credit file indicating that the XXXX XXXX Account on file is closed per attached documents.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

has violated my rights. Or a 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.

15 U.S.C. 1681s-2 ( 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 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: Orions Management Group, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency has slammed a collection on my account that does not belong to me. This agency is a debt buyer agency that slammed an account on my report that was deleted in the past for fraud off my credit report with a different debt buyer group. They also reported that I opened an account in XX/XX/2022, and I have not opened any new accounts. I am a victim of fraud, and my social security, ID, and passport were stolen in the past. This is not my account and needs to be deleted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: KY
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 received a call from XXXXXXXX XXXX to see if I was still interested in a loan. They stated that I had applied for a loan about a week ago. I never applied for any loan but apparently my credit report was pulled. I'd like someone to look into this. I don't want my identity stolen.

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 2022-07-30
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: Continental Finance Company, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I created a dispute under the FCRA 15 US Code 1681 B that reporting agency did not have my written consent to publish such information and with no consent per 15 US Code 1681 C1 that is identity theft.

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 2022-12-07
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We had an accident with the car and the insurance paid Santander in full, we received a lien satisfied letter twice. I have called several times because they are reporting it as a charge off which has damaged my credit. It's also impacting my financial life and limiting credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.

Company response to consumer: In progress
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter XXXX XXXX to CREDIT bureau ) to remove XXXXL XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$580.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUEAUS are required to remove any accounts not later than 4 business days after XXXX XXXX leter that was sent to CREDIT BUREAUS. .Ive already included this in my previous Complaint # XXXX XXXX ; XXXX ; and XXXX & I am including it again.,

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 2022-07-30
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX 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 Pursuant to issue 18 U.S.C 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 U.S.C 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 U.S.C 1681 4

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 2023-11-15
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : I am a victim of Identity these these transactions was not conducted by me as a consumer

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 2022-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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:
I lost my wallet and they used up my credit and ruined my credit score and I need everything removed all inquiries and any other account, s in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Guild Mortgage Company LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guild Mortgage reported a 30 day late mortgage to the credit bureau. I scheduled an ACH on XX/XX/2022. on XX/XX/2022 I was expecting my payment to go through and never knew Guild Mortgage for one reason did not process my request until another a loan officer called me to notify me on XX/XX/2022 that I have a late mortgage and my loan was denied even though I paid off whatever I was owing Guild Mortgage. I called Guild Mortgage they argued that they did not see any ACH set up. Guild Mortgage system is unreliable. I have 5 Mortgages including Rent scheduled on an ACH and I have never been late on my Mortgage or bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Marlette Funding, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
The company best egg sent me the CONSUMER two illegal false advertising letters by mail. First I've never done any business with them so how can I be pre approved unless identity theft, fraud and privacy of the CONSUMER. So then I CONSUMER XXXX tried in good faith to dismiss the first violations and requested my personal line of credit for XXXX subsequently I was denied at this point I requested the mailing of this denial letter the representative lied repeatedly claiming I can't get physical copy at which a Supervisor named XXXX also had many deflective and deceitful words I asked him according to USC 18 section 8 to correct this issue now also reminding him of 15 USC 1681n XXXX refused to comply deflecting and denying but later acknowledged he was familiar with the law which was clear admission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo denying payment for fraudulent charges on our bank account. 
Reason for denial : too much time passed before I reported. 

Charge posted online XX/XX/2022 XXXX reported same day. 

Please find the attached letter from claim denied reason by Wells Fargo that also clearly shows the dates as well. 

When I called Wells Fargo they tell me it was posted on XX/XX/2022. My wells Fargo online portal clearly shows that it was posted on XX/XX/2022.

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 2022-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitting a complaint to you today to inform you I was the victim of identity theft. I discovered on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I'm done with it. AND Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX XXXX and XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance - XXXX XXXX Balance XXXX XXXX XXXX Balance {$2100.00} XXXX  XXXX Balance - XXXX BANK XXXX Balance {$220.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$160.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$760.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX  XXXX Balance {$150.00} XXXX XXXX Balance {$750.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$190.00} XXXX XXXX XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this alleged debt. I am owed a credit of the full amount of the current balance which will XXXX XXXX  the balance and a refund of all previous " payments " I made according to 15 USC 1666d. 

This company SYNCHRONY ignored my letter and violated ( Uniform Commercial Code ) UCC 9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( b ) Duty to respond to requests. 

SYNCHRONY BANK has not provided the required verification and they continue to try to collect on an alleged debt after I disputed it, making them in violation 15 USC 1692g ( b ). In addition when a billing error notice has been given the account is to credited while in dispute. 

I sent a letter to SYNCHRONY BANK telling them that I received a statement from them requesting of a payment from XXXX XXXX in the amount of {$3500.00}. I told them I am willing to pay off this account in the full amount of {$3500.00}, together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

According to 12 U.S. Code 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. No money, devices, or services were loaned by SYNCHRONY BANK to XXXX XXXX nor CREDIT WITH XXXX. 

I requested documentary evidence on account ending in XXXX, pursuant to 15 U.S. Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with XXXX XXXX my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ) which I have attached. I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K on the public and private side showing accounts receivable and payable. I request the accounting ledger to be authenticated by a secured party pursuant to UCC 9-102. 
This company needs to credit the account the full amount of the current balance which will XXXX XXXX the balance and refund all previous " payments " I made according to 15 USC 1666d, in the form of a check.

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