BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: DISCOVER BANK
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered an XXXX XXXX XXXX {$530.00} from XXXX on XX/XX/XXXX. The XXXX came completely damaged box console everything and i went to return it. XXXX banned my account and said i could not return it even though it's in my right through policy but with the ban i could not. They told me to contact my Finacial institution, which they did absolutely nothing contacted filed on XX/XX/XXXX same day i received the package and ended in XXXX about the XXXX with them just saying " need proof XXXX issued refund '' which makes no sense i was willing to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TD BANK US HOLDING COMPANY
State: SC
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:
Unauthorized Hard Inquiries from : XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Target Fin/TD XX/XX/202XXXX XXXX XXXX  XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: TN
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2020-02-04
Company: EQUIFAX, INC.
State: VA
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:
An account with XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX is still showing on my credit report as delinquent although it was paid in full in XXXX of 2019. I submitted a dispute via equifax and it still has not been updated over a month later. I paid {$350.00} on XX/XX/2019. This information is affecting my ability to purchase a home and open a line of credit. The collections account # is XXXX the customer # is XXXX. The representative that took payment was XXXX XXXX and I called verified this information with XXXX at extension XXXX. This exact amount was deducted from my bank account. Lastly all of the previously delinquent accounts on my report have been paid in full. Both XXXX  and XXXX   have updated and removed my old delinquencies ( except the balance of XXXX ) and notated it as paid in full and or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
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 Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-11
Company: Experian Information Solutions 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:
There are several listings on my consumer report that I did not consent to being reported by credit reporting agencies. My consumer right has been violated : 15 USC 1681b regarding permissible purpose which states that three criteria must be fulfilled before credit reporting agencies can disclose to your consumer report - obtaining written consent from the consumer, sending required disclosures before reporting, and disclosing my right as the consumer to opt out. None of these criteria were met before reporting said listings. Upon disputing these reports based on their reasonings, I was told that these listings were " verified '' and they remained on my report despite never having my written consent to disclose information to my consumer report, and despite never giving me notice of my right to opt out of said disclosure. 

These listings include all collection reports, all closed accounts, and all late payments that have been disclosed to my 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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible when the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 2023-09-10
Company: EdFinancial Services
State: KY
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 paid my student loans in full on XX/XX/XXXX  and everything was fine until my payment was reversed. The reversal only showed up on my account on Saturday, XX/XX/, conveniently when their offices are closed. I know 100 % that the bank information I entered was correct because the funds were removed on my account. Interest was charged to my account for each day after XX/XX/, despite having paid it in full on this day and no information being available to me regarding the situation so that I even *could* correct it. Now theyre back and unavailable to me until tomorrow, XX/XX/, so I cant repay it to avoid interest even if I wanted to. This has happened to thousands of others, not just myself. I believe EdFinancial is purposely reversing these payments in order to gain extra interest from each borrower. The wait time in order to receive assistance over the phone has been upwards of two hours for those who were able to call, and for others like myself, we cant call the offices at all. We just have to continue accruing interest on a loan weve already paid because EdFinancial wont help us. They are deliberately attempting to make more money off of us by leading myself and many others in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
We filed XXXX XXXX bankruptcy on XXXX/XXXX/2022. We notified TransUnion of 6 accounts currently showing open that should be reporting as closed, XXXX balance and included in the chapter. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate TransUnion.

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 2022-04-15
Company: Paypal Holdings, Inc
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Apparently in XXXX, I opened a PayPal account and as of XX/XX/XXXX I owed XXXX XXXX 
XXXX XXXX is the debt collector. I have disputed it and a police report was made I definitely did not or ever have used PayPal. XXXX XXXX asked questions. the address, email and phone number are not mine but my XXXX was a match

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Santander XXXX XXXX  at the end of XX/XX/XXXX  to talk about my auto loan that is behind in payments. We were nearing the possibility of repossession soon and I did not want that to happen. I had gotten behind due to several circumstances, one being I was suffering from XXXX and a XXXX XXXX for nearly a year. And my husbands income decreases at different times of the year and it can get us behind. I called and spoke to an agent and I had told her I would make a payment on XX/XX/2023. The payment would be {$420.00}, it was literally the only payment I could make that would be less than the full overdue amount shown on the account payment page. The payment area normally would allow me to split my payment or pay what amount I wanted. So {$420.00} was the only logically affordable amount available to me. So I did agree to paying that and it is currently pending. I went on the account page again and now I see that the lowest amount option is the monthly payment about of {$510.00} due XX/XX/XXXX XXXX The other amounts are over {$1000.00}. Normally I split my monthly payment in half and pay it every 2 weeks. Their payment options are not affordable. I would be paying nearly {$1000.00} this month if I make that next payment amount of {$510.00}. I have already paid them {$420.00}. I never said I would not pay a little more per month to get caught up or in a position to receive a deferment, but this forcing me to pay whatever they want me to pay isn't in my budget and I will soon be getting my utilities shut off if I have to try to keep up with paying nearly {$1000.00} a month to Santander XXXX XXXX. I don't disagree they want the money I am behind but this is an abusive tactic to try and force basically an extra payment a month. How is this truly helping?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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:
XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
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:
On XXXX, 2019, I have found multiple student loan accounts that I have never used being reported on my personal credit report. Experian, XXXX  and XXXX XXXX were reporting identical fraudulent student loans on my credit report. 
After submitting identity theft report and a police report to remove false accounts from my credit report, Experian managed to remove all accounts except one, and XXXX XXXX removed all of fraudulent student loan accounts. 
But, XXXX  is not removing any of fraudulent accounts from my credit report. I am certain that XXXX XXXX and Experian found accounts to be fraudulent accounts, so they have removed and block all of fraudulent accounts. I do not understand how XXXX  is only agency found these false accounts to be correct accounts that are mine. 
I have requested many times to validate these accounts by providing hard copies that prove that accounts are mine, but XXXX  and student loan provider are not validating these accounts ' authenticity. 
Accounts that were involved with identity theft crime are listed below. 

DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f 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 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 I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion.

Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2023-09-09
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had ongoing issues with incorrect credit card balance reporting by XXXX XXXX on my credit reports prepared by the three major credit reporting agencies ( XXXX, XXXX, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like XXXX XXXX to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a CRA. Specifically, my XXXX XXXX account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. My XXXX XXXX account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by XXXX XXXX. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. Despite my providing their own account statements showing the correct lower balances, XXXX XXXX has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). XXXX XXXX and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, And on XX/XX/2022 I was notified by XXXX, that my credit score was down XXXX points and when I looked shortly after the notification, I saw that it is was AFFIRM with over XXXX accounts in delinquency. I have never had an affirm account and I called them immediately. 
I gave them my email Address in which they told me that my name was no where on the account or attached to the email. And started a case? The lady on the phone stated it would take 10-15 business days to get this resolved, so on the following week I called in and they stated they would have an answer by Friday, no calls or updates. I called today and they stated " they couldn't resolve it yet and to give them More time, i than asked that my email be removed from Whom ever has this account, XXXX stated she couldn't. Which violates my privacy,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Dovenmuehle Mortgage, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Dovenmeuhle as they are the mortgage servicer for XXXX to resolve a dispute over a mortgage payment. The company had me showing as past due even thought I have made additional payments and should be paid more than two months ahead. I was advised by the representative that I am not allowed to make additional payments and that even when I do, they are put into a suspense account and are not applied to my loan, thus decreasing my principal balance and, over the life of the loan, my interest costs. This does n't sound right to me. As long as I am meeting my contractual obligations to them I should be able to pay as much and as early I 'd like as there was not stated prepayment penalty in my loan note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MY IDENTITY WAS STOLN AND I DO NOT KNOW OF THAT DEBT AT ALL. IT WAS TWO DEBTS WHICH IS FROM ARS FOR {$800.00} AND XXXX FOR {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation