BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted XXXX and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as soon as possible

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 2023-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to address a pressing concern regarding my credit report and its accurate representation of my credit history. 

In response to a previous complaint lodged with the Consumer Financial Protection Bureau ( CFPB ), Equifax conveyed that XXXX XXXX  the creditor in question, verified the correctness of the current and prior payment history. Despite this verification, my Equifax credit report is conspicuously missing this critical revolving account and the associated credit history. ( " XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY '' taken directly from Equifax 's response ) I took the initiative to provide a comprehensive history of this account, from its inception in XX/XX/XXXX to XX/XX/XXXX, furnishing all the necessary documentation. However, I was disheartened when Equifax declined to update my payment history and, to my disbelief, purportedly removed the file, despite acknowledging their communication with XXXX XXXX regarding the payment history. 

I am compelled to resubmit a complaint containing every monthly statement from the account 's initiation until XX/XX/XXXX. This marks the second instance of presenting Equifax with the indispensable information needed to accurately update my credit report. 

The distress caused by this ongoing ordeal is palpable, affecting not only my health but also my creditworthiness, amplifying financial strain by hindering the growth of my financial profile. 

I urgently seek a thorough review of this matter, prompt rectification of my credit report to reflect the accurate credit history, and swift confirmation of the resolution. 

To ensure transparency and collaborative resolution, I am including XXXX XXXX in this communication. I have diligently furnished every monthly statement from the account 's inception in XX/XX/XXXX up to XX/XX/XXXX, as evidence of the accuracy of the payment history. It is perplexing and concerning that my efforts to rectify this issue have not resulted in the anticipated update of my credit report. 

I kindly urge both Equifax and XXXX XXXX to collaboratively review this matter comprehensively. Accurate credit reporting is paramount to my financial standing. 

Thank you for your immediate attention and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 2017-07-16
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Santanders response to the previous complaint is blatantly false.
Santander modified my loan on  XX/XX/XXXX please see attached documents.
On  XX/XX/XXXX  my car was repossessed. The repossession fees were {$460.00}, the car was picked up on XX/XX/XXXX . On  XX/XX/XXXX  Santander confirmed the new payment and payment date and receipt of the modification ( see letter ) The letter regarding the sale of the vehicle was never received by me.          
Santander not only owes me the repossession fees of {$460.00}, they also owe me an additional {$1800.00} for payment overrage. I had an atty. look over my modification documents and it was suggested that i was overcharged in the {$1800.00}.
 XXXX 
This is calculated at {$66.00} per month starting  XX/XX/XXXX  to  XX/XX/XXXX .
my payment at the  10.14  apr should have been {$200.00} instead Santander charged me {$270.00}.     
They are a rip off company that overcharges their customers. The y should be fined for there Fraudulent actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-27
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new BB & T Bright Banking checking account at XXXX XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, MDXXXX ) on XX/XX/XXXX. I was assisted by XXXX XXXX XXXX, a branch banker whose contact number was XXXX. After finding out that the advertised bonus was not credited, I visited the branch in person on XX/XX/XXXX and found out that he was no longer working there.  According to the checking promotion when opening the account, using U app by BB & T bill payment service to initiate 3 online bill payments of {$25.00} or more each from the the new checking account within 75 days of account open date ( XX/XX/XXXX ) before XX/XX/XXXX and maintaining a good standing ( no XXXX or less than XXXX   balance ) checking balance per statement cycle for 120 days after account opening, I should have been credited a {$200.00} bonus within 4 weeks of meeting the requirements. I met those requirements in early XX/XX/XXXX and the bonus was never credited. I can provide the promotional card and account balance details downloaded from BB & Ts online banking. 
After the 4 week waiting period, I visited my new banker XXXX XXXX   at the XXXX XXXX branch in person on XX/XX/XXXX and was told that she couldnt resolve the issue at the branch level, would submit the case to the marketing team, and someone would get in touch with me within 24 to 72 hours. However, I never received that call. Eventually, I reached out to the customer service on the phone and hoped to get help from them. They confirmed my personal information and told me that they need more research on my case and hung up on me twice without giving me a case number that I could have followed up with. In addition, the customer service representatives never called me back for further assistance. At that moment, I realized that no matter how many times I call, I would get the same answer all over again.  Furthermore, when I was opening the checking account, I double checked with the former banker on the authenticity of the promotion and he confirmed it. I have never experienced this degree of dishonesty before. It seems no one in BB & T is actually willing to look into the case.

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 2023-08-16
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I filed a bankruptcy in  XXXX  there are inquiries on my report I am not aware of. I was under  wage earner    from  XXXX -  XXXX   when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX , XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.

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 2017-07-16
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payments I 've made on Navient online payment site, from  XX/XX/XXXX  to  XX/XX/XXXX , are not accurately recorded. Navient Customer Services have been contacted to verify the payments. Unfortunately, the representatives could not clarify why there were discrepancies stated on my online account during the following dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  A total of {$1100.00} not been recorded properly. A letter and supporting documents will be sent to Navient Office of the Customer Advocate :   XXXX   XXXX   XXXX    XXXX , PA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-12
Company: Experian Information Solutions Inc.
State: NC
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:
1. In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.1

5 U.S.C 1681 section 602 A Section 2.I have the right to privacy.

3. 15 U.S.C 1681 Section 602 A. Section2. It also states a consumer reporting agency can not furnish account without my written instruction.

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 2020-09-15
Company: WESTERN MASS CREDIT CORP.
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Recieved numerous calls claiming I still owed a private school money after filing chapterXXXX. Company refused to acknowledge the debt was included in my discharge claiming it was a *student loan* I was paying my tuition out of pocket with NO LOANS and what federal loan I did take was already PAID OFF. I have contested this with XXXX  using THEIR OWN RECORDS of dates of discharge. They refuse to remove the negative statement from my credit report, instead aiding with creditor. I have the discharge and it states clearly the schools monies owed XXXX XXXX ] was included in discharge. I contacted the school, they dismissed me BACK to the collection agency!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MO
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:
I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my credit history and financial well-being, and I am seeking your immediate assistance to rectify this matter. 

I discovered that my credit report issued by 3 Credit Bureaus contained multiple fraudulent entries that do not belong to me. These entries are adversely affecting my credit score and are a result of identity theft or unauthorized activities. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, causing significant damage to my financial standing. 

I kindly request that you take the following actions to address this issue : Conduct a comprehensive review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assitance to remove the following fraud item in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Synergetic Communication Inc
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Company Synergetic Communication, inc is stating that I owe them I have never taken out any type of noting with this company I've asked them to send the documentation that this is my debt. Nothing was sent I've asked them to cease and desist and it continues phone calls etc..This is a violation of my consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a Delta SkyMiles Gold American Express Card in XX/XX/XXXX with an introductory bonus offer of XXXX  miles after spending more than {$2000.00} within a six month period. The card was approved, the more than {$2000.00} within six months was spent, and I kept the card open. Fast-forward to now, XX/XX/XXXX, I have not been given these miles and was never informed that I would not be receiving these miles. I contacted American Express support and was informed that based on my " credit history, welcome bonuses, or the number of cards opened and closed, that I was not eligible ''. I was never informed that this bonus offer was denied, and the advertising was misleading/predatory. Further, I was charged the annual fee of {$99.00} in XX/XX/XXXX. I told them to downgrade the card to one without the annual fee, but they also informed me that they would only be refunding me a prorated amount of the annual fee, despite not making any purchases on this card since the annual fee was instated. I know for a fact that they have no records of me being informed of being denied this bonus offer of XXXX miles, because I was never informed. Furthermore, I kept the card open for the past year, spent thousands of dollars, paid off all balances, and was screwed over by American Express 's predatory/illegal advertising practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent Experian numerous letters stating that they have inaccurate addresses on my credit report and need to be removed immediately, however they have not responded to me or updated any information. 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 explanation
Consumer complaint received 2020-09-15
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wife and I are both unemployed due to COVID-19. We currently have 3 accounts with BBVA USA. Since XXXX which is the start of COVID, there have been charges for overdraft fees in the amount of {$960.00} just on one account. These came without the bank making a single phone call. We also have overdraft protection on the accounts which it turns out was a bad decision because if they had denied payment, none of my other creditors have charged a fee, meaning the payment just wouldnt have gone through, however, BBVA still would have charged the overdraft charge. ( What is the overdraft protection for????? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Was not notified of investigation status or results

Complaint:
My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : XXXX ) XXXX XXXX XXXX : Acct # XXXX account dates are different on Transunion XXXX XXXX and XXXX, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on XXXX of the credit bureaus. And one doesn't have an amount listed even close to the other XXXX. This is completely inaccurate and should have been removed or updated within 30 days. 

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.

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