BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Social Finance, Inc.
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am XXXX living in XXXX in XXXX. I was applied a loan XXXX through online to Sofi.com on XXXX. that time they asked me the 5 % deposit amount for my repaying capacity purpose. The customer care person asked me the deposit for your account number is wrong so that you want to pay XXXX. I paid it. Again and again they collect the money many more reason facts till time. I paid totally XXXX their asked money. Till time there is no solved my problem from them. Now they asked transfer fee charges again. I wont pay it, i told to them you refund my deposit amount, that time they told me, If you want your deposit amount you want to pay 10 % of my total deposit amount. I thought now they are doing frauldent activity from the public. They doing only collect the money from the public and enjoy it. 
I have really disappoint with this Sofi.com company. I have getting XXXX XXXX. I want to compansate this company XXXX Crores along with my deposit amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I never gave SANTANDER permission to pull my report on the date of XXXX they validated my rights as a consumer under the FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Commenity Bank XXXX XXXX has reported my account as late 30 days, and this is not accurate. I have never been 30 days late on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-14
Company: Paradigm Assets, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX 1 tells me they hold old debt from me. They then refer me to collection companies and I call them an they have no record if any debt under my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions Inc.
State: CA
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:
These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account

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 2023-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: NV
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:
There was a judgement that was passed during a class action lawsuit Santander Consumer were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So Santander account number usa XXXX is violating my right per fcra please delete off my credit report attach is the court order

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: CO
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 complaint is with XXXX. I have submitted a dispute with Experian, and other credit agencies, and they have failed to remove these false reports from my credit. I never had a late payment with XXXX, and in fact the reason this happened was because of a vehicle trade in. The dealership took a little while to get the payoff to XXXX, so in turn it made it seem like I still had the vehicle, and wasn't making payments on it. This is as far from the truth as it can be and I wrote a letter to XXXX as well pleading with them to remove this inaccurate reporting. I have submitted letters, and disputes online, and I have not had any resolve. Please help me in this as this has substantially affected my ability to get a loan, and other credit. The dates that XXXX has on my credit report are from XXXX, and XXXX of XXXX, and XXXX, and XXXX of XXXX  showing as late payments. XXXX is reporting that I had 4 late payments total. This is false information and also false reporting. Please help me so that this can be removed and hold XXXX accountable for affecting my credit score with this false reporting. Thank you in advance!

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 2021-05-08
Company: Merchants and Professional Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My service was XXXX to XXXX atXXXX XXXX XXXX and now they have sent my account which shows {$440.00} and now it's to collection agency 'Merchants And Professional Collection Bureau , IncXXXX XXXX for {$440.00}, my date of service was XXXX XXXX and i had XXXX XXXX XXXX XXXX XXXX XXXX XXXX health insurance and i had about {$50.00} deductible and total out of pocket cost was about {$820.00}. but i had copay very low. It has happened to me before that if hospital or clinic don't file claim on time frame according to insurance company guideline then they wouldn't get paid so i would like to get all information starting date of service to when they filed claim to my insurance and again i had about {$50.00} To {$75.00} copay. To me it's look like because of their billing department mistake, so then they go after patients to cover up their cost. They should Audit the billing department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: VA
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:
I went to XXXX XXXX they sold me the vehicle that only lasted 3months. They refused to give up a copy of the original contract. They are tied in with XXXX XXXX and they prey upon the poor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is another extension to XXXX XXXX trauma. As for XXXX XXXX and equifax. I dont believe that the people who answered the phone understand that under Fcra all reporting has to be accurate and The law does not offer wiggling room. Niether agencies will throughly investigate because they are not familiar  with English  yet alone Americans law. I am formally complaining about all 3 credit bureau. And they should all be investigated for lack of up holding consumer rights and laws. They basically report off of each other without actually checking for required information. No original contract no signature required I did not buy the Car online. credit reporting agency refused to go any further than look at my account information I want a full investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, 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:
All of these inquiries I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2020-04-02
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a three month trial plan and what was told over the phone was absolutely great, a savings of about {$1000.00}. However after thoroughly reviewing the offer made, there is now a {$290000.00} balloon payment that will come due after I pay off the principal balance of {$360000.00}. 

My principal balance increased from {$330000.00} to {$360000.00} which is an increase of {$31000.00} Per my mortgage statement from XX/XX/20, I was behind {$22000.00} and granted that is a year ago so another {$3000.00} x 12 months should be added to that which is {$37000.00}. I understand that there may be foreclosure or attorney costs that may have accrued but {$22000.00} + {$37000.00} = {$59000.00} but don't forget, my principal increased by {$31000.00} so ( {$59000.00} - {$31000.00} = {$27000.00} ) Either one too many numbers were included on the balloon payment offered or that means the attorney and foreclosure fees have added up to $ XXXX. I fail to see how these numbers make sense.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. I'm frustrated because you keep on ignoring my request! I need these items to be repaired ASAP. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-02
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX  XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}

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 2021-05-08
Company: EQUIFAX, INC.
State: NY
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a credit card with XXXX XXXX XXXX that XXXX XXXX. 
In XX/XX/XXXX someone fraudulently used this account. 
I was notified that my payment was overdue and was referred to XXXX. 
XXXX investigated and notified me in XXXX or XX/XX/XXXX that they had confirmed the fraudulent activity on my account. 
The fraudulent charge was removed from my account. 
HOWEVER, XXXX has consistently failed to respond to my requests to remove the " delinquent payment '' on this account from my credit report. 
I have called countless times and have filed multiple appeals. The response is always the same. I am notified by TransUnion that this was a delinquent payment. 
After a YEAR, nothing has been done to correct this error. 
I was recently notified by my auto insurance company that my premium has been increased because of the delinquent charge that shows on my credit report! 
I called TransUnion and was told that the XXXX XXXX charge is STILL on my report. 
This error is continuing to have a negative effect on my credit, and it is costing me! After XXXX year of XXXX 's refusal to correct this problem, I am ready to file a complaint against them. This has gone on FAR too long!

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 2023-04-22
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE 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 2022-04-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is another coplaint about the same and no solution as I stated in my previous complaint I been robbed by XXXX bank and his partner in crime shellpoint morgage servicing but no one cares couse it's not their situation or their problems to stop harassing from this shellpoint morgage servicing I had to pay them money i I didn't owed them but they claimed I owed why this place I'm no only they were harassing me but they have in un the credit report as I was late another issue tha up to now it's gotten me stuck in my intents from moving to a different morgage bank they keep sending you any type of paperwork and it that's all it ends there never a proper answer or explanation they keep blaming XXXX  XXXX XXXX another corrupted morgage company or bank they might think because i paid them the extra month and all the late fees and they stopped the harassment that every thing end there but not really you are helping a corrupted morgage company to get away with my money or a crime you are covered them and this needs to be published and I will not stop ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are unauthorized and have no purpose being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO 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