BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a formal request for the details of the procedures used to determine the accuracy and completeness of the information in dispute because you told me you verified the accounts and that they belong to me but have not provided proof. It is scary to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected, as well. Having this type of information on a persons credit report is unfortunate and severely damaging but having incorrect damaging information on a persons credit report is unacceptable. 

The following accounts don't belong to me at all so please look into this for me. 

SANTANDER - XXXX - Last month I sent you a letter stating that this needs to be looked at. I see no proof of an investigation done at ALL! There are XXXX different activity dates being reported. Investigate this account and provide proof it was done! Remove this inaccuracy from my credit report or I will sue! I do not know what this is. Please investigate and remove from my report. 

XXXX - XXXX - Last month you stated that this is reporting accurately. However, I see XXXX different activity dates being reported on this account. Show me the proof that this is actually my account otherwise delete this from my credit report. 

I am requesting a detailed explanation of how you received these specific responses. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of the attached credit report. ) I have made multiple consecutive payments on these accounts and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.

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 2023-10-04
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-06
Company: CORELOGIC INC
State: MN
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:
The current supplemental Consumer Credit Information thats currently reporting on my Core Logic , Inc credit report is all fraudulent information. There shouldnt be any reported information on my Core Logic consumer report.

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: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, require the XXXX Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Dave Operating, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I cashed out {$5100.00} from XXXX to my online Dave banking account on XX/XX/23 at XXXX XXXX. The money was not received as Dave advised the transaction rejected due to being over {$1000.00} limit. Dave advised the amount will be returned to the sending party. XXXX has not restored funds nor assisted with the locating the missing funds. I have file complaints, reached out to management and the end result is me being told there is nothing that can be done for the missing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Prosper Marketplace, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a propser credit card but I am not able to log into the account. I have called them emailed and advised them I can not get into the account. I could not see the statement nothing. They finally sent me a paper statement on email two weeks after I should have received it. It has been almost a month and I am still unable to log into the account. I can't see the purchase I can't even make a payment. They are not trying to fix the problem. I get generic emails from them when they do email. When I call I am told to wait on the email. They NEVER reach out to me. I also have to contact them.

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 2023-08-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I made a complaint with CFPB ( Case # XXXX ) after not being able to speak to a XXXX regarding my issues with payments and interest being credited correctly. The response to the complaint, dated XXXX XXXX, was that they would waive the interest totaling {$15.00} and attached my ledger. The information on this ledger is not what is listed when I log online. I noticed I was charged interest starting XX/XX/XXXX. I only signed the contract XX/XX/XXXX. The {$15.00} credit was not put on my account. Instead they charged {$120.00} to my account on XX/XX/XXXX. I called and left a message with the Senior XXXX XXXX XXXX ( XXXX ext. XXXX ) who wrote the letter, he never returned my phone call. I have called the normal customer service number to speak to a supervisor. I'm always told that someone will call me back, however I have not received a call back since XXXX. I would like to go through my entire account to rectify any issues and questions. 

XXXX. Why was I charged interest for dates before the contract was signed? 
XXXX. Why was the interest not adjusted based off of actual payments received? 
XXXX. Why was I charged an additional {$120.00} on XX/XX/XXXX? 
XXXX. On XX/XX/XXXX I was told by customer service representative that these charges, although they are shown on my ledger that I received from XXXX and they show up on my payment history online, she did not see the charges on her end and to just disregard them. 

It is almost impossible for a customer to speak to a supervisor with this company because they are " busy '' however when a customer service rep needs to consult with a supervisor about an issue, the supervisor seems to be available for those interactions.

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 2023-05-09
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX Date opened XX/XX/2020 Balance : {$3800.00}

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 explanation
Consumer complaint received 2021-05-05
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a collection notice from Monterey Financial Services representing XXXX XXXX XXXX for a debt of over {$10000.00}. I informed XXXX XXXX this was not my debt but that of my spouse XXXX XXXX and I had no financial responsibility for this debt. I asked them to please remove the derogatory mark on my credit reports and to cease all collections. They first responded this debt would stay in collection and go after me but it would be sent to a supervisor for review and I would be contacted in 7 days. This was in XXXX, it is now XXXX. I contacted them again telling them to remove this from my credit report as it is causing big problems with me trying to obtain a mortgage, but there is no response or anything done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Self Financial Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I've been receiving miscommunication on processes and timelines for receiving my payout for a process that I was told I would be able to " go around '' if I closed the accounts. Today, after multiple phone calls and " escalations '' I received an email after have confirmed multiple times that my accounts were already closed that they are closing them today and that my account is under review AFTER I've submitted their requested documents reluctantly. Today the person I spoke with shared with me that I am wasting my time because there is no timeline in sight for a resolution and if it did take three months to a year, it would have to take that long. I initially educated on a 10-15 day timeline. Once I called back to follow up, I was then given a 1-2 day timeline for their team to review my documents. Now I'm being told there is no resolution in sight. None of this makes sense when I paid off my accounts. I was educated that this process would take 10-15 days and now I'm being told there's nothing that I can do to receive my money back from a service they offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 am the victim of identity theft. I have never applied for any individual credits with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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 have noticed that this account XXXX XXXX XXXX, is reporting as a collections account, but reporting as open with XXXX, and XXXX, this is a violation of the FCRA. I have not received any notifications regarding this disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$21000.00}

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 2023-08-30
Company: DISCOVER BANK
State: TX
Product: Credit 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:
Previously I wrote Discover card regarding account number # XXXX made Discover by writing and phone call also a consumer complaint with the XXXX XXXX XXXX XXXX The company reach out and ask some questions.I fax over an email showing I contacted XXXX regarding the unauthorized charge from XXXX car rental ... .Back in XXXX or XXXX XXXX was a charge placed on my account for over XXXX from XXXX never charged a car or authorized any payment for services.During the time the charge was made.I had lost my wallet at the XXXX store located in XXXX XXXX wasnt successful in finding my wallet.When I call customer service desk the next morning.The wallet was turned in to the customer service..The items in my wallet appeared to be all in place and I dint have no knowledge my card had been swipe.I didnt make any charges nor gave anyone permission to rent or purchase any car.I have 6 cars.There no need to rent a car.Im being held responsible and been receiving a bill over 7 months for an unauthorized charge. I feel if Discover dont want to credit my account.I would like the legal address to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I think someone used a card skimmer. I filed a compliant and the bank said the charges were authorized by me which they weren't someone literally used my card to by them. When I first filed a complaint the XX/XX/XXXX charges weren't there but now they are. I will be filing another complaint soon. 

XXXX are known as fraudulent charges so I don't know why it was said I authorized them. 

XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX # XXXX WITHDRWL XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL 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 explanation
Consumer complaint received 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment online through Bank Of America 's online payment process tied to my credit card account on XX/XX/2019 for the amount of {$7400.00} before XXXX ET. They did not apply my payment until XX/XX/2019 causing additional interest to be charged on the account. In addition as of XX/XX/2019 BofA is making my credit line available. I have never been late on a payment or had a check/electronic payment returned. There is no reason that BofA needs to delay same day payments or not make the credit line available to the customer of many years.

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 2021-02-24
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contacted company requested they stop reporting an account that was paid off by insurance as derogatory, chargeoff, and/or collection.

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