BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: WA
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:
Past few months : Have incresingly been flagged by multiple parties to provide more ID such as XXXX and SSN card where before I had no such requirements XX/XX/XXXX Went on XXXX to get free credit report. When prompted with security question by Experian involving past loans, was asked about an auto-loan in XX/XX/XXXX, which I do not have. 

Could not complete process for experian credit report, subsequent requests error out. I assume account was locked from free report Tried to go on experian website and create account, says they have a problem with my identity ( if there is a fraudulent car loan, of course home address was changed by criminal ). 

Uploading docs to their website is terrible, and they keep requesting I jump through more and more hoops. 

Tried to call provided number, system is entirely automated and kicks me off if I ask for 'operator ' or 'manager ' or 'live person '. Again system says it can't verify who I am when prompted for home address ( again because the fraudulent loan probably caused that record to be updated in Experian 's system ). 

I want access to my credit report and I want Experian to expunge the bad loan data from their system. I then need to trace down the bank involved and get my name off it 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 non-monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Under my XXXX, I received a hard inquiry from XXXX, or 'XXXX XXXX XXXX XXXX ' on XX/XX/XXXX There was no address included and I have no idea where that came from. I suspect that it could be potential fraud or identity theft. 

Under TransUnion, I received two hard inquiries from XXXX named 'XXXX ' onXX/XX/XXXX,  and another from XXXX named 'XXXX XXXX XXXX ' onXX/XX/XXXX. Again, no familiarity with these two. 

From what I recall, I opened several credit card accounts back in XX/XX/XXXX and XX/XX/XXXX, closing one with XXXX XXXX because I did not want to use it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$3200.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They then closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/21 and XX/XX/21 and have notified the credit bureaus. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.

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 2022-07-15
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Santander Consumer USA has changed the status of an account that negatively affected my character, my mood of living, and my general reputation. I have been damaged as a result of their inaccuracy. XX/XX/2020 they listed a charge off item on my consumer report. I requested the Form 1099C. Santander Consumer USA clearly stated that the debt has not been canceled. If the debt is not canceled, why are they reporting an inaccurate account status on my consumer report? That is fraudulent in nature and under 15 USC 1681 s-2 Duty of furnishers of information, they are prohibited by law to report inaccurate information. I ask them several times to delete the Inaccurate information on my consumer report immediately. 

The IRS Clearly defines a charge off as Gross Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes Santander Consumer USAs reporting of the account inaccurate! A canceled debt must get reported as gross income on the tax return with the form 1099-C.

15 USC 1681 S-2 ( a ) ( 1 ) ( A ) 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. 

I have shown and given Santander Consumer USA several notices that they are furnishing inaccurate, incomplete, and incorrect information and by law they are prohibited to report such information. Therefore such inaccurate, incomplete, and incorrect information needs to be deleted off my consumer report immediately ; as well as send a copy of the form 1099-C. I have filed complaints with the Attorney General of North Carolina, the Attorney General of California, the Attorney General of Texas, the XXXX XXXX XXXX, the FTC and will be filing a complaint with the IRS. 

In conclusion I am writing to your office to please help me to resolve this clear violation of my consumer rights under the law 15 USC 1681 s2. The continued reporting of this inaccurate, incomplete, and incorrect information is causing me and my family severe harm due to Santander Consumer USAs negative reporting on my consumer report. Please help me to DELETE this inaccurate, incomplete, and incorrect information ( the charge off ) from my Consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to seek remedy of the situation but would not help me correct these fraudulent an inaccurate accounts. 
1.XXXX  account # XXXX date open : XX/XX/XXXX balance : {$440.00} 2. XXXX XXXX account # XXXX date open : XX/XX/XXXX balance : {$320.00} 3.XXXX XXXX  ( original creditor:XXXX XXXX account # XXXX date open : XX/XX/XXXX 4. XXXX XXXX ( original creditor:XXXX XXXX ) account XXXX XXXX date opened : XX/XX/XXXX balance : {$100.00} 5. XXXX XXXX ( original creditor : XXXX  ) account # XXXX date opened:XXXX balanced : {$380.00}

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 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
I have noticed capital one reporting late payments that are inaccurate. They have reported negative and defaming info starting XX/XX/XXXX and XX/XX/XXXX on my credit report. They have never given sufficient information to me in order validate this reported information. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: AR
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:
After I received a copy of my credit report and discovering inaccurate and missing information being reported, on XX/XX/2022 I sent letters to XXXX and Experian about these information and asked them to investigate and remove those erroneous information from my credit report affecting my credibility. But unfortunately till this day I haven't received any correspondence from them in regards to my dispute. I feel my right to fair credit reporting violated and being ignored.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are a total of XXXX student loans listed on my TransUnion credit report all opened on the same day : XX/XX/2016 totally {$5500.00} that was taken out under my name. I did not open these accounts as I have never been enrolled or attended any college or had any need for a student loan.

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 2018-06-02
Company: U.S. BANCORP
State: AL
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:
XXXX XXXX XXXX - servicer of credit card with XXXX XXXX XXXX XXXX XXXX decreased my credit limit by {$500.00} based on a credit score pull. this was done without my permission.

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 2017-09-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, I continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, 2017, none but XXXX inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.

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 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, I continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, 2017, none but XXXX inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.

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 2022-07-15
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: NJ
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 and XXXX XXXX  # 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 2022-07-15
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported an account from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2021, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX I asked Tower Loan in XXXX, MS to no longer call a reference that was listed. They have now called this reference multiple times ( XX/XX/XXXX ). They also sent a text message to a reference that never gave permission for text messages. This message includes the representatives ne amd company phone number. The text happened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America reported a " data compromise '' and issued a new ATM card. They have done this to me on at least 3 other occasions. 

When I asked for details about this compromise, they said it was sensitive information and could not disclose it to me. 

I asked how they were notified of the compromise and they again refused to answer. 

I do n't want to do business with the merchant or other company responsible for the compromise and Bank of America 's lack of transparency makes this impossible.

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 2017-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, Basically, I opened a credit card account with Bank of America. There was an offer when I opened the credit card. I needed to spend {$12000.00} in 6 months on the card to get the offer. I also paid a {$90.00} annual fee on the card. 

The card was closed without my consent by Bank of America. I called to inquire and did n't really get an answer why. This is conjecture, but I think they may have cancelled the account so that I would not receive the bonus and they 'd get to keep the annual fee. 

In the ~3 months the card was open, I spent about {$7000.00} on the card. I would definitely have spent the full {$12000.00} on the card within 6 months as I had some expenses coming up. 

When I spoke with a representative from BofA, he sent my concerns to another department. The other department said I was ineligible for any or all of the bonus because I did not meet the spending requirement. When pressed that I did n't have the entire length of time to meet the requirement, I basically got non-answers or a repetition that I did n't spend {$12000.00}. 

I believe this to be unfair. I believe that I did not have the opportunity to meet the remainder of the qualifications because they cancelled the card early. Additionally, I would have spent the {$7000.00} on a different card had I known that BofA would cancel the card before allowing me to meet the spend. I would completely understand if I was only eligible for a prorated amount of the bonus based on the spending completed ( and I offered this as a reasonable compromise ), but even that was denied. 

Additionally, I think the annual fee should be refunded. I paid for a year worth of benefits but was unable to use the benefits at all because the card was cancelled ( I would have used the benefits this winter ). Between not getting a bonus and not getting to use any benefits, I feel ripped off. 

Finally, I feel like I have made reasonable requests to the bank, whom I have been a long time customer with, which they have repeatedly denied. 

Thank you for your time.

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 2017-09-06
Company: National Recoveries, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Good Day, On XXXX XXXX I received a letter stating it was from the US Department of Education and that they were attempting to collect on a defaulted student loan of mine which I owed {$3200.00} ( Approximately ) in principal ( I have no idea how high this figure actually is as I stopped receiving notices at least 5 years ago ). In these documents was a notice for hearing and some paperwork to fill out for financial earnings. I filed a request for a hearing with the Department of Education as well as signed a notice to voluntarily pay {$50.00} a month towards this debt. On Tuesday, XXXX XXXX I received a letter from a collection agency called National Recoveries based out of XXXX XXXX Minnesota, asking me to submit documents for my hearing which is not at the Education Department but with National Recoveries. If I knew that it was not the Department of Education that was contacting me but a collection agency I would never have asked for a hearing or signed the voluntary garnishment form. I feel they misrepresented themselves as a government agency and not a collection agency and that this was an effort to defraud me.

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