BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Financed XXXX XXXX XXXX with XXXX  XXXX XXXX XX/XX/XXXX. Paid on the loan as agreed and balance never changed. Everytime I looked up I was being charged fees and have no idea why. When I would question fees being charged and why, I could never get and explanation. In XX/XX/XXXX I had a car accident and the vehicle was totaled. Insurance paid and gap paid and there should be no balance left. Santander continues to call me about a balance that I do not owe and can not explain why I owe {$4100.00} when I had full coverage insurance and gap insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Improper reporting of medical debt. Medical debt can not be reported before it is one year past due. 
Medical debt is legally defined as debt that arose from the receipt of medical services products or devices. 
Medical debt can not be reported until it is at least one year past due. 
Medical debt has nothing to do with the holder of the loan it has to do with whether the debt arose from the receipt of medical services. 
Due to a life-threatening illness I was forced to have medical services. Thus my alleged debt arose from the receipt of medical services. 
The allege debt can not legally be reported before the one year mark however XXXX XXXX has denied numerous request to remove the credit entry. They even failed to respond to the XXXX XXXX XXXX  complaint. 
I am demanding that the medical debt be removed from my credit file. 
For it to remain on my credit report XXXX XXXX must prove that its not medical debt and that it did not arise from the receipt of medical services and that its not one year past due.

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 2021-12-31
Company: EQUIFAX, INC.
State: OH
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 an online dispute and I also wrote a dispute letter to all three credit bureaus, XXXX, Equifax, and XXXX, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Transunion is keeping an unverifiable bankruptcy on my credit report and claiming that they verified it. After asking several times for them to share how they verify it, they continue to violate my rights. 

The issue with this is that XXXX deleted this public record from my report due their own inability to verify it. 

I disputed the inaccuracy and received a letter dated XX/XX/XXXX stating that they verified the public record. I have a report from XXXX dated XX/XX/XXXX that doesn't report any public records. 

I'm not sure if this was a mistake on their end, but I think they need to be held accountable since they're reporting something unverifiable. 

I'm attaching my social security card, driver 's license, recent utility bill, the letter from XXXX stating they deleted the record, the XXXX public record page on my XXXX report, and the letter from Transunion.

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 2021-12-31
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced a mortgage that was previously financed with Loan Depot. Loan Depot was paid off on XX/XX/XXXX. We have an escrow balance of approximately {$3900.00} that we have not received back from Loan Depot and have been waiting for almost 45 days! 

I have reached out to Loan Depot and all I have gotten was excuses. They said they had returned mail ( untrue as I updated the address with them on XX/XX/XXXX and called and confirmed this address ). 

In addition, I have asked for a statement of all transactions during the loan ( just over 6 months ). They said they couldnt send me anything like that but they could email me the information. I received an email that looked like a suspicious email. It was difficult to open the link but once I did it contained nothing I was looking for. 

To date, all I have received are excuses. They have told me for several days they will verify that we havent cashed the check. They know very well we havent as it has never been sent to us! 

I am now going to be gone from home for two weeks, which means yet more delays in me getting my funds. 

At this point, I would like them to wire the funds along with late fees and interest. Also, I am still waiting on a statement of the account ( I dont even know the exact payoff amount! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Ascendium Education Group
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX - XXXX/Ascendium received notice that their alleged debt was disputed. 

XXXX or XX/XX/XXXX XXXX/Ascendiums false claims were removed from credit reporting agencies & XXXX  ceased collection attempts. 

-XXXX. XXXX XXXX claimed to have acquired the alleged debt from XXXXAscendium XXXX 

-XXXX. XXXX XXXX received notice through CFPB, of the multiple criminal & civil violations being committed me. 

XXXX XXXXXXXX XXXX/Ascendium sent me a Legal Notice in regards to XXXX student loan claim in my past bankruptcy case stating [ in part ] : You are receiving this mailing to let you know about recent activity involving an attachment to a proof of claim Ascendium Education Solutions , Inc. filed in your bankruptcy case ... Ascendium filed a proof of claim in your bankruptcy case related to your student loans ... [ it ] had an attachment on which personally identifiable information... had been redacted... Ascendium later learned that, although the redacted information was not visible on the face of the attachments, it could be manipulated in such a way that it could be uncovered and viewed ... Ascendium is unaware of such manipulation or access involving your dataYou dont need to take any action... 

-XXXX. XXXX XXXX/Ascendium has sent me an email which appears to be a resumption of collection attempt on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions Inc.
State: AL
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 XX/XX/XXXX, I sent a certified letter to Experian requesting their method of verification for a bankruptcy theyre reporting on my credit report. Experian refused to respond to my request instead they updated the bankruptcy in question as being verified. Again i asked how do they verified.. I spoke to numerous representatives and request that they respond to me by mail or tell me how did they verified the bankruptcy. Each representatives told me they would send me a letter in the mail. I have yet to receive a letter. On XX/XX/XXXX Experian received another ceritified letter requesting their method of verification.. On XX/XX/XXXX, I received an alert on my experian credit report that a dispute was completed. Again i did not dispute anything, i simply requested that they provide me their method of verification for a bankruptcy theyre reporting. On my credit report the dispute results said that they reinvestigated the bankruptcy and that its correct. Experian once again is not responding to my request. I request the furnisher of such bankruptcy. Who provided Experian with the bankruptcy record on my credit report. Please help me. I have rights as a consumer to know who provided Experian with the bankruptcy that theyre reporting. I requested in a certified letter which was delivered and Experian is failing to repond to my request. If Experian can't provide me with the information that I need, how to I know that accurate.

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 2020-05-26
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:
SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Account information incorrect

Complaint:
Personal Information : Experian reporting incorrect Date of Birth ( can provide documentation verifying this ) Current address is incorrect ( can provide documentation verifying this ) Remove all employers except XXXX. XXXX XXXX XXXX  : XXXX shows XXXX while Experian and XXXX show XXXX Please resolve the inquiries Account History XXXX XXXX XXXX XXXX Not reporting correctly with all XXXX, XXXX, and Experian Information XXXX XXXX XXXX XXXX Experian not XXXX correctly Information updated XXXX XXXX XXXX Information not reported correctly Information updated XXXX  XXXX Information not reported correctly Information updated XXXX XXXX Information not reported correctly Information updated XXXX XXXX XXXX not reported correctly Information Updated XXXX XXXXXXXX Date opened, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX not reporting correctly. 
Please update XXXX XXXX XXXX and Experian XXXX not reporting correctly Please remove XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXXXXXX XXXX not reported correctly Please update XXXX XXXX XXXX XXXX not reported correctly, account charged off as a loss and sold Please remove for inaccuracy XXXX XXXX XXXX  XXXX Information reported incorrectly, account paid but shown as derogatory Please remove for inaccuracy XXXX XXXX  XXXX XXXX reported incorrectly Please close for inaccuracy XXXX XXXX XXXX reported incorrectly Please update XXXX XXXX XXXX reported incorrectly Please update

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 2022-11-26
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX a pay off of XXXX dollars was credited to my Lowes account to pay off the balance of my credit card. 

XXXX i got a statement with a reversal of payment. I called the credit card company they said they never received the check and have no records of a check clearing with them. 

I contacted my mortgage company whom the checked with issued thru, they sent me a copy of the checked which has the stamp from the credit card company showing it was cashed on XX/XX/XXXX Ive sent this information and faxed over the check showing they cashed it and they will not honor 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 monetary relief
Consumer complaint received 2018-10-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an Wells Fargo " Opportunity Account '' which allows me to withdraw " {$300.00} ATM & {$500.00} daily spending limit. '' I called into the banking center and spoke with XXXX XXXX to request a stop payment on a ACH for a against XXXX XXXX  on XX/XX/2018  @ XXXX XXXX CST in the amount of {$1800.00} because I knew the payment would not go thru on my debit card because of the amount. But the telephone bank representative submitted my request against my debit card instead and as a result the payment was processed and posted. I spoke with " XXXX '' a manager from the escalations dept. and he confirmed that the bank representative processed my request " incorrectly. '' The tone of the manager, lead me to believe that this error would be corrected and the funds put back into my account. 
The Circumstance for the stop payment is to help with an " serious '' medical condition with my father who is currently sick and requires special medical treatment. 
I explained this XXXX who was very " empathetic '', which made feel like the bank truly cared and everything was going to be okay. 
But when I called back a couple of days later to check the status of the issue, I was transferred to the Customer Care Business Office and spoke with " XXXX XXXX '' who was very " rude '', her tone was " appalling '', and her attitude was as if she could " care less '' about my entire situation. 
Now Wells Fargo non-apologetically, refuses to refund and/or make right their mistake and I've now experienced a financial hardship due to the mishandling of my request. 
I believe the Wells Fargo " misrepresented '' the core of their vision, by violating the " Error and Omissions '' as well as the " Business Practice Ethics '' ultimately failing the customer.

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 2021-05-06
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax and XXXX  are reporting lates in XXXX, XXXX and XXXX, 2020. ( Please see page attached from my credit report from XXXX, 2020. ) XXXX  is now reporting on my most recent credit report that I was allegedly late in XXXX, 2020. ( Please see page attached from my credit report. ) First, I was never late on this account ; and second, XXXX  has now changed the month that I was allegedly late. This false reporting of all late payments appearing on my credit report are incorrect and is seriously harming my credit score. XXXX  is reporting correctly. I request that the late payments be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Information belongs to someone else

Complaint:
I have been disputing with Fair collections and Outsourcing & professional debt Me to remove a collection that they are reporting that is not me.

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 2021-12-31
Company: Atlanticus Services Corporation
State: FL
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:
I made a purchase on XXXX on XX/XX/2021 for {$500.00} I didnt receive the majority of my order and when I reported it to wish they only refunded two items. 

I disputing with Fortiva and they responded with wish.come response-showing usps marked it as delivered. The items never arrived here and a couple and a half months after I gave up on this issue ( 3 weeks ago ) someone knocked on my door but left an oversized mailing bag full or random items I had ordered. I was happy that I finally got it but now that Im trying it on the stuff was not as advertised!! It is overly small and most items are are through!!! When contacting Fortiva they state I have no further option to reopen the dispute/further dispute!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion 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 accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$510.00} XXXX XXXXBalance Owed : {$6800.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXBalance Owed : {$1500.00} XXXXXXXX XXXXXXXX XXXXXXXXBalance Owed : {$420.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXXBalance Owed : {$500.00} Date Opened : XX/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 2023-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights They passed my information to a third party Portfolio Recovery Associates 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 a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: NEW YORK COMMUNITY BANCORP 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The New York Community Bank have stated my due dates were the XXXX of every month. Due to my daughter being ill I spoke with them having finacial problems yet they did not waive any of the fees. Though during these hardships, I have even accepted the late fees during the covid times and paid it off. I was late XXXX month ( the month of XXXX ) and proceeded the payment on XX/XX/XXXX and from XX/XX/2022 I recieved a notification from XXXX saying my credit got deducted XXXX points. 
I called the customer service of New York Community Bank on XX/XX/2022 from XXXX to XXXX and they hung up on me twice. Once for no reason and second, saying the credit services were closed and could not do anything to help. We asked when they would call us and if they could call us tomorrow and the representative stated that they could not guarantee us a call back tomorrow or within this week.

Company response to consumer: Closed with explanation