BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Consumer Portfolio Services, Inc.
State: MO
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:
XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had tried multiple times through email to cancel a membership they took our {$160.00} out of my account so I called customer service and tried to get the money back they weren't able to but they canceled the membership from being charged further I just owed for a month more which I haven't paid yet. I am in the emailed the gym to try to get this issue resolved but they are trying to charge me XXXX XXXX in a one month membership because I don't have the proof from my phone call made months ago. Now my account is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
# XXXX with Santander consumer Usa XXXX XXXX XXXX on XX/XX/XXXX XXXX : XXXX XX/XX/XXXX began 1st monthly payment of {$310.00} I file a complaint against Santander Consumer Usa because i think this bank has been unfair and misleading against my loan and my credit report. 
First when i realize that the rate was very higher ; the same day XX/XX/XXXX, i try to return the car but the dealer ( XXXX XXXX ) refuse to take back the car. And since then i keep paying and dealing with a bizarre and unprofessional company Month ago, I was very surprise after calling to request the status of my loan and their customer service told me that " i have request an extension in XXXX '', that's why my loan have been extended. I never request any extension on my car loan. Since i get a loan from this bank, i used to have bad experience and i never complaint against that. But this time, they are going so far to use unfair practice with my account and without any clear explication It's unethical and very shamefull.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: TX
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:
I have been in constant communication with XXXX, XXXX and Equifax for many years attempting to resolve the incorrect information on my credit report that includes incorrect personal information, incorrect payment history ( late payments ) and collection accounts that I have no knowledge of and have never done business with the companies listed. I have submitted countless number of disputes ranging from XXXX - XXXX via USPS certified mail showing the delivery of all packages. With each category ( i.e. incorrect personal information, incorrect payment history, etc ) a seperate mailng was sent. Please see the below tracking numbers with noted delivery dates. 

XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX Equifax Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX, XXXX and Equifax has yet to provide an update to incorrect information or proof that the collection/charge offs belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Independent Recovery Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital Systems I am responding to your notice that you placed in my con-sumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Alorica Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  charged off this account in 2021. They have now illegally reopened the account with current dates which falsely manipulates the statute of limitations. Charge offs are not allowed to have active payment history and can not be opened and closed at the creditors decision. I have also requested verification of debt over 90 days ago to verify orginial signatures and they refuse to process the request. This is illegal and the creditor has no choice but to provide validation of this debt and remove past history as this is a CHARGE off and you can not manipulate the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I received a check from Chase Bank dated XX/XX/XXXX ( # XXXX ) on XX/XX/XXXX. I attempted to cash the check two times at our local branch. The first time the teller advised that the account was closed, she was right, I no longer have my business. I provided ID and she said I need the account number? its not in our system. I went back for the seconded time and provided the closed account number ; the teller advised she could not cash the check from them because its over 6 months old. I was advised to call the number on the check which I did. After an hour on hold I was advised see a banker in the bank, so I called the number listed and got another recording, after an hour and listening to a computer I figured I would just go there again, I was told to call the number and make an appointment over the system? 
This is why I no longer bank with Chase, do I need too take them to small claims court over XXXX XXXX dollars and get a judgment?. Please advise. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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:
On XX/XX/XXXX I sent letters to all three credit bureaus asking them to verify the debts on my credit report. I received a response only from XXXX XXXX on XX/XX/XXXX. XXXX removed three accounts from my report due to inaccuracies. There are also two other accounts which still show inaccuracies. In accordance with the Fair Credit Reporting act, these Accounts has violated my rights.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX I sent Transunion a letter disputing the validity of the alleged bankruptcy they are reporting on my credit report. They responded with a letter on XX/XX/XXXX stating that they are investigating my request. On XX/XX/XXXX I sent Transunion the 2nd verification request letter. I sent Transunion a 3rd verification request letter. Transunion responded XX/XX/XXXX that they are investigating. I received a letter from Transunion XX/XX/XXXX stating they are " verified '' this item through the US Courts. I went directly to the US courts to dispute the item in question and was told that the US Court do not verify this item with the credit bureaus. I then sent Transunion another letter on XX/XX/XXXX advising them to confirm who they are verifying their information, and if they are unable to verify the information per the CRA they must remove incorrect information. Transunion responded XX/XX/XXXX again with the same letter stating the US court and how they are not required to reinvestigate the same item. I submitted my last verification request to Transunion XX/XX/XXXX advising them that the information they have is correct and how I have attached the same Court letter multiple times that has reflected the court does not share anything with the credit bureaus and how I would need to contact the credit bureaus. Transunion then responded on XX/XX/XXXX with the same information about the US court being the way they verified the bankruptcy.

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: GOLDMAN SACHS BANK USA
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Needed extensive plumbing repair. ( XXXX, MN ) XXXX XXXX XXXX encouraged us to apply in our home while he was there ( some repairs were already done ) ... and said we were approved. We were to activate loan online. Were not able to ... and advised to call Green Sky ( the loan company ). I have been calling all week, put on hold, transferred, to no avail, being told " a case was opened '' " it is in investigations '' XXXX, from Green Sky is supposed to call, has not yet. I have left several messages. His number is : XXXX, ext. XXXX. XXXX XXXX XXXX is angry that we have not " activated '' loan yet and advised me rudely to get it activated now or we don't get paid! We have 3 incomes in this house. My mom is the primary on the loan ( loan app XXXX XXXX..name XXXX XXXX ) She is XXXX she does not hear well o n the phone. They have not returned calls or taken me seriously at all. I do not know what the problem is. The work was to be in the XXXX XXXX range. We will have to cancel the rest of the work and pr0bably be charged more because it was a " bundle package. '' We can pay some on a credit card but would need a loan to complete the big job which is a necessary job.. I am stuck here waiting for a call that does not come with XXXX XXXX breathing down my neck AS IF IT IS MY FAULT!!!! Please help... .my phone number is XXXX. XXXX XXXX is my mother and she and I are living in the same home, as is my partner. The loan is in her name. I can not move forward or backward waiting for Green Sky to contact me and I have tried all week!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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:
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 non-monetary relief
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Capital one have a charge off on my report for {$2500.00} XXXX XXXX XXXX  have Charge off on my credit report for {$930.00} and {$950.00}. i send in a ftc report the remove the XXXX XXXX  charge off and add it bad. I have no knowledge of these accounts listed on this report. i was a victum of idenity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BANNER CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Several months ago, our corporation obtained a loan from Banner Bank for our business. They agreed on an interest rate and term and then proceeded to tell me that I needed to have a checking account as well. Not to worry, the checking account was to be free. Fast forward to XX/XX/2023 when they began charging a monthly fee for the checking account. I disagreed and decided to close the account. They have threatened that the loan for our business will increase by 1 % even though the checking account is used in no way to support or pay for the 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 monetary relief
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Names are inaccurate All those other spellings are inaccurate. EQUIFAX AND XXXX   WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX AND  OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: GREAT LAKES
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan with Great Lakes. Without asking me, they signed me up to have all bills and payment information sent to an email that I do not regularly check. When we called to find out why we were getting past due notices but had never gotten a bill Great Lakes told us that they automatically send all bills via email, without asking first if that is what we want. 

Great Lakes should not be permitted to choose the delivery method of bills and payment information. The customer should be allowed the option to choose their delivery preference. Because of this we were unaware that a payment was due, and were charged extra interest. 

It is unfair to communicate only by email, without first asking if that is okay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX at the XXXX Peoples United Bank branch I fully paid off a HE Loan balance by writing a check for over XXXX dollars I have a receipt to prove its paid in full. 
XXXX minutes later I got a call from there Collections department in Vermont. Odd because there is nothing to collect its paid in full. One day later I get an Auto Generated mortgage assistance letter which is odd again The loan is PAID IN FULL. XXXX branch on XXXX XXXX generated the mail. I called customer service and the bank president and no one is available. No one at consumers loans is available. I found the letter offensive and wrong I want an apology direct to me and wont stop complaining till I get one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, 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:
I have submitted a dispute letter to the credit bureaus on XX/XX/XXXX Along with a FTC report as I was a victim of identity theft. The credit bureaus XXXX, Equifax, and XXXX have ignored my complaints, I have sent another set of letters regarding the hard inquiries on my credit report that do not belong to me but nothing has been done to fix the issue. I will list the hard inquiries that I requested to be removed that are still on there as of XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 response to consumer: Closed with non-monetary relief