BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NV
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Receivables Performance Management, LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection account opened on my XXXX credit report for {$5000.00} in XX/XX/XXXX. This refers to an XXXX XXXX XXXX from XXXX that was turned in and the account was closed. XXXX took over XXXX XXXX in XXXX and mishandled the accounts. There are hundreds of similar cases that were then bought by XXXX XXXX XXXX ( XXXX ) and are now being erroneously pursued by Receivables Performance Management ( RPM ). My vehicle was turned in early, disposed of at auction, and the account was closed. I am not responsible for this debt as it does not exist due to XXXX 's mishandling of the accounts ( which is why they are now out of business ).

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 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi! 
I transferred XXXX into my XXXX account from a balance transfer from BOA. It was suppobe {$1500.00} on XX/XX/2023. I called XXXX, and they will return the XXXX to me so I can return it to BOA. However, the balance transfer fee of BOA of {$600.00} will still remain even though BOA is receveing its money back.

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 2018-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In the beginning of the year i took out 2 auto loans one for a truck and one for a car from USAA. USAA accepted a payment on XX/XX/XXXX for the truck loan. On XX/XX/XXXX i set up automatic payments to be drafted out of a different account beginning in XX/XX/XXXX and then on XX/XX/XXXX they took another payment for the truck and on XX/XX/XXXX they took a payment for the car causing my bank account to hold a negative balance. and generating a non sufficient fund fee of {$25.00}. they refused to refund the {$25.00} or admit that their computer system made an error. I believe this is another example of fraud by a large bank to generate unnecessary fees against consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
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:
I was advised by a XXXX and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Company: EQUIFAX, INC.
State: PA
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My account with AES Success had zero behind payments and I had just sent in extra money above what I owed in XXXX and the money was taken from my bank. Nearly {$1900.00}. I only owe {$360.00} a month. And I overpaid on purpose to try and finally get closer to paying my loan off. On XX/XX/XXXX my monthly direct deposit for the normal {$360.00} was also cashed and collected. On XX/XX/XXXX, they sent my account to collections!!!!!! AES confirmed for me on the phone that my account was placed into collections for defaulting on payments and as a result they closed the account, and reported it to the credit bureaus. They also confirmed they see the payments were successful and I didnt have any past due amounts owed. I was promised a print out of my entire account payment history along with my current balance after demanding it multiple times even though they kept trying to talk me out of requesting it and she kept saying her computer was slow that day and unless I had all day to stay on the phone with her I probably should just let it go. Let it go?!?!?! I was finally assured itd get a copy in the mail within 7-10 business days. Today is XX/XX/XXXX and I have yet to receive that. They said they cant tell me who owns my loan now. We have no idea who ends up getting your loan. So, we just cant give you that information. So then WHY- just yesterday- on XX/XX/XXXX, did AES take my $ XXXX  monthly direct deposit out of my account!! If my account is in collections- with an unknown lender - and my account with AES is closed - than HOW are they still taking my money!!! How can I contact the new lender if I am being refused to know the name and contact number of- them. And how, if I cant change or stop payments or even see if it was applied to a balance I have no access to view, am I supposed to fix this?! I told them on XX/XX/XXXX they made a mistake. They told me I could consider disputing it but we cant guarantee if or when that would be handled. I disputed it with them IMMEDIATELY- while still on the phone. They admitted to me they can see my payment history and that I didnt have any past due payments on my account I owed to warrant sending this to a debt collector. I got a letter in the mail telling me my dispute is denied but I can send them PROOF of me not owing money past due. How am I supposed to do that when they have shut off access to my account and refuse to send me my payment history in writing!!!!!!!!!! This has to be illegal?!!! You people should be sick with grief over the REAL DAMAGE you are causing people!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX : XXXX The company has served me with papers and issuing me. I did not acquire the debt of that company. 
The date of the charge off according to them is XX/XX/2019. 

I found out about the lawsuit through the mail by another lawyer. I checked the court and was advised that they could not give me information. They only gave me a number and the company name and advised me that I should just pay them. Sound like they were working for them. I served papers a couple months later.

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 2022-01-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
It is a lot of companies like coinbase XXXX XXXX and a numerous a lot more I can not receive any of my Bitcoins through any wallet because they stopped my funds I can see my funds online and in my wallet but can not access him it is really frustrating and on top of that I have all my stocks and I can't get at all of them either there's obviously someone blocking me and hire means I just need some help and I know you guys know because through the SEC I found a lot of information so if you can please open up my funds to me that will be nice as well I am a Bitcoin minor says 2009 and all of my blocks that I mind go to coinbase and they are saying that they don't know where my native coins are cryptocurrencies So can you please release my things archetypes of the bottom of this My main goal is to help the world evolve in every way fit for the human to survive so by all means whatever money 's that I have give me half and you take half and let 's call it a day I am tired of not having anything any money my kids are getting older and I can not provide I'm on general assistance and have been most of all my life but yet in steel I have billions and billions of dollars so I haven't never seen So what that being said Can you please fix it Thank you America we stand as one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management placed one collection account on my credit report without any prior written communication about this at all. It seems Midland Credit Management purchased this account ( XXXX ) from another creditor in the amount of {$620.00}. I request that you please verify the following... 1. Full original account number. 2. Date original account was opened. 3. Any written agreements between myself and the original creditor stating that this debt is owed. 4. Full account summary on how the charges added up to {$620.00}. 5. Date of first delinquency. If Midland Credit Management is unable to provide the above identifying account information, this information must be deleted from all CRAs. Midland Credit Management also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed XXXX time frame that is allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: JPMORGAN CHASE & CO.
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've been having trouble with Chase Bank, with whom I have had investment and several credit cards with a complete and lengthy history of full and ontime payments. I am active military XXXX overseas. I'm reaching out to CFPB due to continued problems trying to apply for a product, getting correct and timely information relating to the application process as it pertains to my exact concern. 

In XXXX, I cancelled my Chase Sapphire Reserve Card and was told by a Chase representative that I could reapply for another as I could request for military benefits to be applied to the new account in spite of the old account not being eligible. After cancelling and reapplying, it was autodeclined as I was subject to a 48 month wait period. I was also told that the system would not process the application further and I would experience no impact from my application to credit history or score.

I called customer service today about confirming my 48 window from receiving my Chase Sapphire Reserve bonus in 2016 being finished to apply again for the Sapphire Reserve. Upon getting in touch with a representative, I was told my attempt in XXXX was too early and that I was eligible in XXXX of this year to apply for the CSR. 

I then applied today and was autodeclined. After calling the reconsideration line, I was told that I hadn't passed the 48 month mark yet. The rep couldn't confirm whether the application would cause any effect to my credit history or score but that credit wasn't pulled. This rep said I would be clear to reapply after XXXX or on XXXX at the first opportunity. 

I then called the reconsideration line again to confirm this information. This rep said since credit wasn't pulled and was identified by the system as not meeting the 48 month requirement, no impact would occur and nothing further would proceed. I then asked when the 48 month window would be satisfied and I would be clear to apply. The rep had the worst attitude I've encountered in some time, snapped " excuse me, I'm talking '' when I was trying to ask her a question from an overseas line, and refused to inform me when the 48 month window would end. I then told her she was being rude and she refused to do anything about it let alone consider how her actions came off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: American Coradius International LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased an item for XXXX However I paid for this item through XXXX I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival. 
XXXX weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me. 
I contacted the XXXX They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over XXXX people living in the area practically in the middle of a winter storm ...... 
For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions! 
I told XXXX this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from XXXX. He completely understood where i was coming from but didnt know how else to help me. 
A week later i receive a letter from American Coradius international LLC ( a debt collector ) about the funds XXXX  is still trying to make me pay even though i never received the item. 
I have an excellent credit score and refuse to allow XXXX  to destroy it. 
This complaint is about XXXX for not protecting their buyer and sending this to a debt collector. 
XXXX  for having the driver drop the package off in the middle of the street without obtaining my signature. 
XXXX for not making sure their customer actually received the item that they purchased and lastly American Coradius international LLC for buying this " debt '' in attempt to ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX ) Illegal and Unlawful Home Sale while XXXX is under Federal Bankruptcy Protection XXXX ) Illegal and Unlawful Notices place on XXXX where Agent committed Trespass and Fraud XXXX ) Corporations, Agents and Attorneys are lying, misrepresenting themselves, and committing XXXX crimes XXXX ) Corporations, Agents and Attorneys are threatening 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 2020-11-08
Company: Santander Consumer USA 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:
Santander Consumer USA is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, Santander was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to SCUSA over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement Santander was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. Santander continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and santander 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: FL
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 to the fair credit reporting act 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 an account without my written instructions. 

Investigation Request Letter To whom it may concern, I have received a copy of my credit report, with the intention of trying to improve my credit and take care of my responsibility. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of. This is why I am writing to you all. 

Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you can not provide proof, these accounts must be deleted. I want these accounts deleted if they are not 100 % right and accurate. So, could you please check on these and get back to me? I saw on a Credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate all of my accounts and remove them if anything is missing or not correct. 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Inquiries XXXX  XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Investigation took more than 30 days

Complaint:
These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presenting as a fact to others. I can not get a house for my family because of the lies on my credit report. I will be XXXX  if this isn't fixed asap Delete these lies on my credit report Delete these lies on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 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