BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently saw two fraudulent credit card accounts on my XXXX credit report. I spoke to fraud/disputes department on XX/XX/2022 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back today XXXXand representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two Capital One accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus. I asked for an supervisor and was on hold for over 30 minutes waiting. The Capital One accounts were not mines, and I was a victim of identity theft, which there is an alert on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: OH
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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX. 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 also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all accounts listed and none could provide me with a copy of any clear and conspicuous agreement between me and them or the original creditor giving consent to third party information sharing. 15 U.S.C. 6802B 1 ( c ) states : I must be given an explanation of how the consumer can exercise my non disclosure option. 15 U.S.C. 6803A states : that at the time of the relationship the consumer shall be provided clear and conspicuous disclosure of options. I have yet to be provided evidence from any reporting bureau of any process to va
lidate any information furnished to them despite my requests for such.

15 U.S.C. 1681C ( a ) 5 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 aggregates 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 explanation
Consumer complaint received 2022-06-08
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 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 non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'm writing to express my concern regarding some inconsistencies in my credit report that I've found. I am attaching copies of all letters sent below. 

Although I was not expecting these errors, I am confident that your system will be able to fix them. I recognize that maintaining reporting accuracy is a crucial component of your organization 's mission, and I trust you to address these inconsistencies and make the necessary corrections. 

Such errors in my credit report are concerning, and I think other clients might experience the same emotions if they encounter a similar circumstance. To increase transparency and regain the public 's trust, I believe it is our collective responsibility to swiftly rectify such errors. To hasten the resolution, I am prepared to offer any further details you may need. 

The Fair Credit Reporting Act ( FCRA ), particularly sections XXXX and XXXX, I believe offers consumer protection in such circumstances, so I will make sure to mention that. In accordance with Section XXXX, you have 30 days to conduct an investigation after we dispute any inaccurate or incomplete information. A credit reporting agency is required by Section XXXX to offer consumers a free copy of their file once a year upon request. 

The foundation of our financial system is made up of credit reports, and any errors can have serious repercussions. Therefore, it is crucial to fix these mistakes right away. By taking prompt action, I believe we can not only solve this problem but also stop similar occurrences in the future, protecting the integrity of the system. 

Despite the difficulties, I am still certain of your dedication to truthful reporting, which I believe will help to speed up a resolution and restore my faith in your company. 

I appreciate your compassion and your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: OH
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 the first time, that Equifax has ignored my complaints regarding the XXXX item that appears on my report. On XX/XX/22 citing the Fair Debt Collection Practices Act ( FDCPA ) I requested validation of the debt and received nothing from Equifax to prove the debt. I then filed a complaint to have the items removed on XX/XX/22 seeing as validation had not been provided in the timeframe allotted and again on XX/XX/22 and finally on XX/XX/22 I sent an admission by silence letter ; indicating they failed to validate the debt FDCPA violation ; they continue to report a disputed debt to CRA which is an FCRA violation. Admission by silence meant they had a legal duty to defend their position and failed to do so ; thereby damaging my character. I am requesting that Equifax comply with the law ; since they can not validate the debt they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was alerted via email about a XXXX  transaction for {$190.00} sent to an XXXX XXXX on my device. As I go to open the email I receive a second email for a transaction of {$95.00} to same person. So I quickly open my Wells Fargo app to double check and sure enough I have some fraudulent activity on my account. I instantly contact Wells Fargo 's Fraud Department to report the transaction. The gentlemen over the over quickly closed and canceled my old account and opened me a one. He claimed the transactions were still pending and he would put a hold on them until further investigation. I told him no investigating needed, because that's the reason why I'm calling you, to report this fraud. He proceeds to give me a case number and tells me I should recieve my money in about 5 days. It is now XX/XX/2022 and no email or phone calls from Wells Fargo. So I decide to call and check up on the status of the case. Over the phone with representative XXXX, he takes down my information and looks into my case. He eventually tells me the case isn't in my favor and that the transaction was completed due to authorization even though I called a week earlier telling them I did not authorize it. I explain to the gentlemen what happened and he says there is nothing the bank will do about the situation. Stating regulations and laws that protect the bank, he claims no fraud was committed but I should have my phone checked because it could have been hacked! And if I have nothing else to say then he has completed his call with me. Tells me sorry for the loss of money.

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 2022-06-08
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 act XXXX XXXX XXXX XXXX XXXX acct has violated my rights. 

15 U.S.C. 168

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 2022-07-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have monitored my car loan very carefully with Santander since the loan is a daily simple interest loan. Santander charged misc fees in which they agreed to waive since they could not explain where the fees came from, the waiver took place on XX/XX/XXXX {$60.00} and XX/XX/XXXX {$86.00}. The Santander website does not disclose where the fees came from or a recurring balance of fees if they are carried on the account. The consumer has no way of knowing what the accumulative balance of fees are. The consumer is reliant on what the Santander Customer Service Rep tells them. This is misleading and a failure to properly disclose information. 

The second issue is with a daily simple interest loan, I repeatedly called Santander to keep myself up to date on the status of my car loan. I started to pay my car loan in advance to get the payments applied for principal and interest. 
Starting XX/XX/XXXX the following payments were made : Car loan current XX/XX/XXXX {$490.00} current car payment for XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$570.00} due date XX/XX/XXXX Car loan current paid in advance, XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance XX/XX/XXXX {$490.00} due date XX/XX/XXXX The Santander website shows my due date as XX/XX/XXXX, this is yet another mistake by Santander, this company has no problem taking interest payments but yet they fail to apply payments properly when it benefits the consumer. I am sick and tired of contacting Santander about their faulty servicing system and how it fails to apply payments appropriately. MY DUE DATE SHOULD BY XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: WELLS FARGO & COMPANY
State: IA
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: Card was charged for something you did not purchase with the card

Complaint:
I had {$59000.00} of fraudulent charges charged to my Wells Fargo Visa debit card and I disputed the transactions. Wells Fargo just let me know they denied the dispute. I will not let this go because I did not make these transactions and its my life savings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: LEXISNEXIS
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I authorized a credit freeze on the Lexus Nexus with my name on it and my social security number, which they are using without my permission. Lexus Nexus acknowledged the freeze and sent me written documentation. 

They have since unfroze my account without my authorization or permission or lied about freezing my account as I am getting denied home owners insurances as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I bought furniture on credit from XXXX XXXX and received a credit of $ XXXX. The card number is XXXX. The credit was actually to Synchrony Bank. I made payment for months, but fell upon difficult time during covid, and went to minimum payments and then no payments. Synchrony started calling me. I want to say without embellishment sometimes it was 5 or 6 a day. Sometimes it was early in the morning sometimes late in the evening.Some However, after dealing with all of the phone calls I started to look closer and the amount due, the balance seemed wrong, I should add that on the evening that I bought the items the salesperson had problems with the computer and could not print copies for me and promised to send them later. I called one or two times afterwards to follow up, but the saleswoman was never avail, and never returned my calls. I finally forgot all about it. Until I started to fall behind. I called once synchrony about the original agreement and was gruffly told that I should have hung on to them and that she could do nothing for me. Then after time I sent a letter asking for signed purchase agreements with my signature. I wanted to review and verify the terms, interest rates, late payment rates, etc. When they finally responded, the sent me a huge stack of payment statements, but never the agreements that I asked for. I am taking too long, your webpager says i am about to time out i will add more later?

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 2022-04-25
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-06-08
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:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX acct has violated my rights. 

15 U.S.C. 168

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: UT
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:
Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX some used my capital one card and paid it off then the payment returned. They sent me an email saying call them and verify my payments which I did then they unlocked my account. 2 weeks later, my account is restricted again which they keep telling me verify a payment I have no clue about. As I keep telling them i dont know, they keep beating around the bush telling me I need to go find the person who did and until then my account is gon na stay restricted. Ive even had representative tell me change up my story and they might be able to work with me which I did cause I was so desperate to just get my account back. Ive never had a problem with them till now. Unfortunately they ended up closing my account causing my credit score to drop bad which is now affecting me. Pleas tell the fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Enhanced Recovery Company , LLC, for committing identity theft. I have never given Enhanced Recovery Company , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Enhanced Recovery Company , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX/XXXX/23, I have not received any documentary evidence, such as a trilateral contract, giving Enhanced Recovery Company , LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Enhanced Recovery Company , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Enhanced Recovery Company , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Enhanced Recovery Company , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Enhanced Recovery Company , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Enhanced Recovery Company , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation