BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Santander account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by XXXX  and was updated to delinquent and included in Bankruptcy. Ask XXXX  to reinvestigate it two years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking XXXX  credit report again for Santander, it still saying reinvestigation in progress and included in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/26 I disputed A inaccuracy on my credit report which is a bankruptcy. XXXX  and Experian said that the bankruptcy came back verified.They could not verify the bankruptcies with this creditor because the creditor in this case is a Bankruptcy Court who informed me over the phone they do not verify bankruptcies with anyone. It is a violation of my rights. The letter I got from both Experian and XXXX  allegedly said they verified this was my account with XXXX XXXX which is a third party vendor and against the FCRA. Equifax wasnt able to verify that the bankruptcy was mine and have deleted the bankruptcy from 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 2020-12-27
Company: Experian Information Solutions Inc.
State: MI
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Good day, I been having a big problem with capital one and im from the USA they send me to the XXXX and no one 's want to help or fix there technical support. 

I have been disputing a charge of XXXX since XX/XX/XXXX a product was damage and not the real product, it was wrong. I contacted them and they been ignoring me. So I reach out to my credit card. 
So they discriminate me my account. Because I had send them proof from above and I call to tell them about bthis broken product that is not the right one. 

2 ) now purposelyv they change my due date with out my authorization. I always paid after the XX/XX/XXXX 3 ) now been charging me late fee, so there's sobatage my acct. 
4 ) no names on the paperwork which it's unprofessional and dishonest. We need to have there name so we can ask for them.

5 ) now I want to reset my password and make some updates.

6 ) ; I was changing my password and the computer didn't allow me to. I was doing to enter the 3 cvc code so I can make changes. That didn't work.

7 ) I call up technical support and they said they didn't understand so the XXXX didn't know. What to do. 
8 ) then I wanted to update my phone number and there so lazy they don't remove the old ones. So now everything is pile up 9 ) there were going to send me a verification by phone and that doesn't work .I had a new phone a dum phone bwhich I can accept texts messages and I gave them new number and nothing went through. Nobody offer to help me .nobody was using there smarts. 
Then they lock me out sent me to fraud. For there harassing me my acct. Who does this. This company are dishonest unprofessional people. This has happened before .I contacted you guys has help me and capital one apologize .I got the USA. We're people no matter where we live.should be respectful and helpful. There were asking for mail proof. I don't know who those people are. I will never put my self sending information by mail. The same way this company CFPB don't want our information on this screen.. so retaliation should be punished a fine should be against them for giving us so many stress I felt I was having a XXXX XXXX. I had to see a doctor about capital. Please. They could of fix the trouble shooting why didn't they offer. This is discrimination abuse from capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


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 2022-04-04
Company: National Management Recovery Corp. (NMRC)
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call on XX/XX/22 from a number that read " XXXX XXXX '' on the caller ID. The gentleman said he was from the county courthouse and I needed to come down to the courthouse to sign papers on a docket because a legal group was trying to sue me for fraud and an attempt to defraud a financial corporation. He then gave me a number to call for more detailed info and a case number. I then called the number he gave me and a CSR named " XXXX XXXX '' asked me for my case number immediately. She stated she was with NMRC. I also received correspondence from a " XXXX XXXX '' with national recovery.net. I gave it to her and she had my name, last 4 of ssn, and birth date all there. She then told me that it was XXXX XXXX XXXX who was threatening legal action because I still owed them on a pay day loan from last fall ( XX/XX/XXXX was the date she gave ). I did indeed take out a loan with this company around that time so I thought it was legit. XXXX then started saying things like, I defrauded the company and they are gon na suspend my drivers license and I needed to pay {XXXX} immediately so the case will be dropped and taken off of the docket. Thinking I did owe the money and didn't want to deal with the threat of losing my license I gave her my debit card number when she asked for it and scheduled the full amount to be taken out on Friday XX/XX/XXXX, XXXXShe sent me a form to digitally e sign through my email from XXXX, that was titled, DEBIT CARD OR CREDIT CARD AUTHORIZATION..it had my full debit card number on it, the amount owed, the date the funds would be taken out, and my digital signature..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I discovered the BMO mobile app had an error message that prevented me from using my debit card. I called BMO customer service and met silence. On the following day, XX/XX/2020, I called again and was directed to the fraud department, which I was told to call by number. I called the number given to me and had to leave a message on their voicemail. The next two days, XX/XX/2020 and XX/XX/2020, were weekend days so the department was closed, leaving me no access to use the money in my account. On Monday XX/XX/2020 I went to the nearby branch to discuss this issue in person. The person who had helped me was informed that my account was suddenly considered high risk which left me no ability to use the money in my account. Angered, I called the fraud department ( who I was told was the only person who had the ability to resolve this issue ) multiple times that day only to be met with yet more silence and even more messages to voicemail. I still have not had any luck speaking with a person about this problem and am very displeased by the treatment I have been given. This was the first time I had any problems with BMO Harris however the fact I was unable to speak with the person who was supposed to be helping me left enough mental and emotional damage to warrant this big of a complaint.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 company XXXX has closed a complaint I have put in on XX/XX/2023 today, XX/XX/2023 stating I opened a loan and didn't reached out to them, which is a complete LIE!!! I have sent emails stating the police report number letting the company the it will be weeks before the report is generated. I am going to continue to send complaints until this resolved.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: IL
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 sent out letters to XXXX, XXXX and Experian about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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 2020-09-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am disputing an account balance of {$200.00} with XXXX  XXXX XXXX. 

In XXXX I walked into a XXXX  XXXX XXXX branch and requested all my accounts with XXXX  XXXX XXXX be closed and I was assured by a XXXX XXXX XXXX Account Specialist they were closed, but in XX/XX/XXXX I learned the account has a balanced owed of {$200.00}. 

I disputed the account with both XXXX  XXXX XXXX and ChexSystems because I know I am not responsible for the balance owed since I entered a XXXX  XXXX XXXX branch in XXXX and was assured the account was closed. Also, Ive never been contacted by XXXX  XXXX XXXX or ChexSystems about the account until I called both companies for additional information in XXXX. 

I asked XXXX  XXXX XXXX for information on how the charges originated, but they could not provide me with anything. Several representatives said they didn't know. 

I closed all my accounts with XXXX  XXXX XXXX in XXXX with the help of an Account Specialist therefore I am disputing the {$200.00}.

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 2020-09-30
Company: AR Resources, 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:
I filed Chapter XXXX Bankruptcy including XXXX XXXX XXXX ( original creditor ) and AR Resources ( current debt collection agency ) and they will not remove the account or mark it as closed on my XXXX Credit Report. Please see attached petition for unsecured creditors included and also the order for discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/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 2022-04-27
Company: Harley Davidson Financial Services 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:
FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX XXXX XXXX XXXX FRCA Violation address and names XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Zarzaur and Schwartz, PC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Currently, I am XXXX and I was notified via people checking my house and mail that a notice was sent to me stating a certified letter had attempted to be delivered. After someone authorized to call, notified me that the company was suing me in court. There is no way I can respond nor can I retireve a certified letter mailed to me while XXXX and I fall under the SCRA. A copy of my orders was sent to the company suing me via email however no response and it was stated in the email that I was XXXX and orders are proof of dXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my 2017 XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time XXXX-XXXX  hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, 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 2022-04-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I, XXXX XXXX natural person and consumer pursuant 15 USC 1692 contacted XXXX XXXX XX/XX/2022, regarding my account giving an error message when logging in. Error message states : " Let 's Get This Worked Out you may not be able to see all of your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX ) XXXX '' I was told that there was a name error and that it will be taken care of when I send in my identification and a letter stating who I am. I was never made aware of this issue prior. I was told to take a picture with the letter and card number and social security number with ID attached. Upload to the link sent via email. It was received and I was told it takes 5-7 business days to resolve. I was then told there was an account checking open with my name. I verified it wasn't my account and then told that takes some time to call back another time. Here I am a month later XX/XX/2022 a manager then tells me I have to update my name via phone with creditwise for name change. I followed through with a lady who barely could speak english and told me it take 72 hours to update in the system. I was told my account should be all set and updated. Still the same error and XXXX XXXX has yet to respond regarding this ongoing billing error and error message. It is now XX/XX/2022 and I have yet been able to access my account. CO is liable for misrepresentation pursuant 15 USC 1692e. I the consumer should not have to worry if my private information is being mimicked without my knowledge. This is clearly fraud and XXXX XXXX should be held accountable pursuant 15 USC 1692k. I have tried resolving this matter several times and be coerced into dead ends. 

Everything I say here is true. So be it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, XXXX XXXX is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the XXXX XXXX telephone agent. 

Based on my own records, and confirmed by XXXX XXXX, on or about XX/XX/XXXX I called XXXX XXXX to authorize full payment on my account. XXXX XXXX has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid. 

However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ). 

I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark XXXX XXXX will not take the late payment mark off my account. 

I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.

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