BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account created with the XXXX XXXX services was fraud and it was reported to them, repeatedly over the last XXXX  years. 
. I submitted documentation, notarized letters and affidavits as they requested, as to verify that I did not apply for any loan. 
The loan was in my name on behalf of my daughter. Again, I never completed nor signed any application. 
I also inquired with my daughter and she submitted documents as well. 
XXXX XXXX servicing was supposed to remove this error from all public information, including my credit report, but they didn't. 
Many years later ( XXXX ) Social Security XXXX began paying funds from my XXXX check to XXXX lXXXX XXXX 
I notified Social security XXXX of this error, but they continued submitting payments to the XXXX XXXX XXXX account, this should never have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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:
I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( XXXX ) and one-half ( XXXX ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/2022. For whatever reason XXXXXXXX XXXX XXXX have placed my current address to an address I have not lived at in XXXX Florida -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX XXXX disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet XXXX has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. XXXX may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for which both register as pain. During those periods I am unable to use a computer or phone.

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 2022-07-08
Company: Bread Financial Holdings, Inc.
State: MD
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:
On XX/XX/XXXX at XXXX pm. I received an email from Comenity Bank that read, " Putting your mind at ease about your payment due. We know the recent system outage has been frustrating .... '' I made two payments electronically from XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) and neither has been received by Comenity as of today, XX/XX/XXXX. Both payments are reflected in my bank account. 

Since I received the email on XX/XX/XXXX, I started checking my Comenity acct each day. On XX/XX/XXXX I tried logging into my account and could not. I tried calling and would only get a answering machine XX/XX/XXXX I could log on and see my charges and my balance, but no one would answer at Customer Service. 

XX/XX/XXXX after XXXX pm I finally spoke with a Customer Service person. They suggested I make another payment. Why would I make another payment when the other two have not been credited to my account? I asked to speak to a Supervisor and spoke to someone named XXXX. He kept saying there was a system update and assured me I would not receive any late fees, but could offer no timeline for the issue to be resolved. I have a suspicion that there is something else going on. No credit card company would have their system down for this long to receive payments and inconvenience their customer base. I called BJ 's XXXX ( Comenity is their bank ) and let them know what was going on and they were aware and said it has been going on for three weeks! BJ 's put me through to Comenity and immediately they want me to send another payment. I will not send a third payment until the other two are reflected in my balance. I feel like something else is going on and not just a " system update. '' I'm guessing our data has been breached and they are not telling us. This is beyond ridiculous at this point and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: JPMORGAN CHASE & CO.
State: MA
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:
On or about XX/XX/2022, I made a reservation using Marriott XXXX XXXX for a three-night stay from XX/XX/XXXX through XX/XX/2022, at the XXXX XXXX XXXX XXXX XXXX I used my Chase Visa Card /Amazon . The following day, I contacted XXXX to cancel the reservation. Marriott did not cancel and directed me to the hotel. The hotel refused to cancel. Meanwhile, I booked a new reservation for the same date at the hotel the same way ; which cost less. Upon learning about the new reservation, the hotel canceled the old reservation and said that they moved my payment to the new reservation. Within, 24 hours, I canceled the reservation and later booked a new reservation for the same dates at XXXX XXXX by Marriott. I contacted Chase to dispute any payment from the XXXX XXXX stating that I canceled the reservation. Chase put a credit and contacted the hotel. The hotel convinced Chase to keep the charges despite that I went to stay at the same Marriott XXXX XXXX. Chase held me responsible for goods/services that I never used despite that I disputed it. They said that they will report it to the credit bureau and kept the charge on my credit. {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
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:
Improper use of credit reporting information. Which is against the Law.

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 2023-01-11
Company: Chaplin & Papa, P.C.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Due to an accident that happen in XXXX that was not my fault but yet I was found guilty after being told by the judge that I did not need a lawyer to handle my case. 

I had to pay XXXX insurance company {$11.00} XXXX dollars which XXXX XXXX XXXXXXXX XXXX XXXX XXXX law firm is handling and had reached out to me to let me know that she needed me to start making payments to them which was {$56.00} a month. I paid faithfully until I was taken out of work due to fallen ill on XX/XX/XXXX. I continue to make payments until I no longer could. 

I contacted XXXX on XX/XX/XXXX to let her know what has happened at that time. She was very rude and unprofessional. She threatened to suspend my XXXX XXXX drivers license if I didn't come up with the money to continuing paying on my account. I explain to her my situation and that I couldn't work due to my condition and that I no longer had the funds to keep my payments going. She informed me to send in a doctors note saying I was under " XXXX 's care '' & my last XXXX income statement, so that she can see what she can do about making my payments cheaper. I sent the information in as requested. I did not hear back from her so I called to see what was the outcome. She stated that she couldn't do anything for me because she never received any information from me and that my problem was no longer her problem and that she will be suspending my license and in order for me to get my license back I would need to pay her {$25.00} XXXX dollars. I explain to her that I was not working and could not pay and is still under my doctors care as of today and she responded back saying that's too bad, I guess you don't need your license and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: RANLife, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ive tried to resolve this issue with the company and had little to no luck getting it fixed. if it isn't resolved I will be forced to take legal action against the company reporting the falls information against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
BOA is a bunch of thieves. I have had a BOA credit card since 2015. Prior to that I had a car loan that I paid off. My consumer credit score is XXXX. I pay my credit cards off weekly for the most part. Since having the credit card I have paid just over {$470.00} in interest. It is a rewards card that pays me cash back. Tried to use my credit card last week, but it was declined at the register. Thought it was the XXXX machine issue so I gave it no thought at the time. Logged into the app on my phone. No notice of any issues from the BOA. Received a letter in the mail that the card was canceled by BOA. Called to find out why, the person at BOA said they do not need to tell me. I Asked to speak to the manager, but they said they couldn't transfer me. That person was the last one I would be able to speak to. I asked to use the cash back of {$82.00} in my account to pay down the {$450.00} bill, they said no. Once the account is closed, I have no access to the cash back I earned. Horrible company. Guess they didn't make enough interest in me so they closed the account and stole the {$82.00}.

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 2023-01-21
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX  XXXX Balance : {$47000.00}

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 2022-06-13
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
More than XXXX months ago, I requested the adjustment to my debts that I have with 1st Bank, in Puerto Rico. They said that the documents that I sent, which was XXXX documents, were under a supervisor and after they check the documents, they will adjust the interest rate. The adjustment that I am talking about is the Service Member Civil Relief Act ( SMCRA ). Im still waiting for that adjustment, and I also have all the information of the people that Ive been talking to know if my accounts are adjusted. 
I have XXXX accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received your response to my previous dispute via CFPB complaint number XXXX, and I still disagree with your investigation response and I am aware you did not complete a proper and full investigation which is defined by 15 usc 1681A ( e ) : investigative consumer reports federal Law ; which you admitted your guilt to violating in your response to the dispute. 

I have also attached your response to this letter as exhibit A. According to 15 usc 1681a ( e ) the only way to legally validate and investigate a consumer report is to to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer. In your response you stated that you verified the accounts through electronic communitcation with the creditors of me ; the consumer! No where is your reponse did you state that you conducted personal interviews whichs means ; YOU DID NOT INVESITAGE ITEMS LEGALLY! 

So for your negligence I demand you to re investigate the items listed below which still remain on my consumer report. If you can not validate these items properly and legally as defined by 15 usc 1681A ( e ) they must be deleted or updated per my request immediateley, without hesitation, or rebuttal. Also in regards to the late payments on the XXXX XXXX account, XXXX XXXX was not able to validate late payments and have updated payment history, How are you able to validate this account if they cant? this is false information and should be updated to paid as agreed. I have attached a copy of my consumer report with updated payment history labeled exhibit B.

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 2023-02-08
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: Ascendium Education Group
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft and in the past my information was used without my knowledge. I have contacted each credit bureau and requested a copy of my credit report. I have disputed the inaccurate accounts and requested an updated copy of my credit report, I did not give anyone permission to use my personal information so I am requesting these accounts to be removed from my credit. 

XXXX Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX XXXX XXXX  Account # XXXX $ {$4000.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$5400.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XX/XX/XXXX I purchased a Truck that was financed through Santandar Consumer. The truck stopped working and they picked the truck up. Santandar then put the repo on my credit and sold the truck for the remaining loan balance. Santandar advised me that the loan balance was XXXX but would remain a repo on my credit and I understood. In XX/XX/XXXX I started receiving letter from attorneys stated I needed to contact them bc a Civil action had been filed against me from XXXX XXXX XXXX. in reference to this same santandar loan. This loan has had a XXXX balance since they sold they truck and recouped my loan amount. I also was never served or given any paperwork or documents in reference to this civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The app for online banking was updated a few days ago, and since then Im not being abble to access because the app is requesting my SSN, something I dont have because Im not XXXX  XXXX.

Company response to consumer: Closed with explanation