BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: MI
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:
In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 


Equifax # XXXX but on my report the number isnt provid XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: CA
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:
I'm writing this complaint on Experian, XXXX, XXXX  and XXXX XXXX, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as Experian XXXX  XXXX  and XXXX XXXX  access the courts data base through a public access portal called XXXX  to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.

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 2019-11-19
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
On XX/XX/XXXX, I used PayPal to make a purchase to a vendor for the amount of {$74.00}. My account is set up to use my PayPal balance first, then my primary checking account with XXXX XXXX XXXX. Additionally, there was a defunct checking account with XXXX  XXXX XXXX  XXXX XXXX XXXX still linked to the PayPal that I had unsuccessfully tried deleting multiple times over the past year and it is explicitly NOT a default payment account. However, my primary bank account at the time apparently did not have adequate funding ( resulting in an initial {$30.00} over draft free with XXXX XXXX XXXX ) and it appeared the transaction was still processed. However, PayPal then charged the defunct XXXX  account at which point I called both PayPal and XXXX to attempt to get this sorted out as this was not an account that was in use. The XXXX account incurred an overdraft fee on XX/XX/XXXX ( attached image included ) and yet another one on XX/XX/XXXX for the exact same transaction. I had already notified PayPal of this error and notified the credit union, but both sides allowed the overdraft to continue and I was charged another {$28.00} on XX/XX/XXXX. All of my attempts to get this sorted through calling and email have been met with total unhelpfulness from either company. Neither party claimed they could do anything, but PayPal then provided a letter admitting their error but said the credit union would be responsible for voiding the fees. However, the credit unions representatives denied this and claimed it was PayPals responsibility. Since then Ive made multiple calls to each institution trying to resolve this to no avail ; PayPal hides behind overseas call centers with supposed supervisors claiming everything is automatic and theyre not responsible despite bringing this issue to their attention before the transactions should have even proceeded. I want this resolved immediately with a representative with the authority to do something that isnt in an overseas call center with no accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-04-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was impacted by COVID-19 pandemic and as a result my work hours decreased severely also had a on the job injury. These two combined really hurt me financially, I have always kept in touch with Santander consumer USA regarding my situation. I have kept in constant communication with Santander Consumer USA from the very start, I told them that I am responsible and willing to bring my account to current status because it is in default and they have threatened to repossess my car again. 
I have told them that I am willing in good faith to bring my account up-to-date but they continue to harass me giving me notice to bring my account current or they will repossessed my vehicle. Earlier this year in 2022 Santander consumer USA was sued by consumers in another state it was a class action representing consumers with subprime loans who were affected financially the government was involved and Santander settled with consumers. I would like to add that I was just a few months away from being part of the class action but was not so I didnt receive any relief, Santander consumer USA is known for preying on consumers with their subprime loans and lending practices. They issue loans knowing that consumers with supreme loans will at some point default in their loan and then they come and repossess the vehicle and in the end they profit where is consumers are left behind. 
Santander consumer USA continues to harass me over the phone using Robo calls despite the fact that I have kept communication from my end continuous. They issued me a right to cure my loan before a certain date they have continued to ignore my financial situation and I am currently being forced to seek the option of filing a chapter XXXX bankruptcy for relief and to protect myself from Santander Consumer USA repossessing my vehicle. There lending practices to consumers are against consumers fulfilling their loan obligations and they continue to practice like this taking advantage of vulnerable consumers like myself who are trying to get back on their feet financially especially during the Covid/19 pandemic. 
The state of California, Attorney General should file a lawsuit against Santander Consumer USA for their business practices and targeting consumers with subprime loans and further taking advantage of them when they know in advance that consumers with supreme loans will most likely default within the term of the loan and not have an opportunity to pay the loan off. 
Their predatory lending practices to consumers needs to be overlooked by the attorney general so that they stop from targeting vulnerable consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or error.

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 2022-10-25
Company: EQUIFAX, INC.
State: GA
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:
I have reached out to all the companies and they have no record of me applying for any credit. I have filed reports and complaints however Equifax refuses to do anything about this. 

15 U.S.C 1681 Section A. States that I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My account was not available to be addressed until  Navient  transferred my account to  XXXX   XXXX   XXXX  a month after the original default date. I was not able to have any questions answered by either  Navient  or  XXXX  during this time. The customer service agent I have been assigned to  ( and there is no other agent available ) is extremely rude and disrespectful and said that he would hang  up on me. On the day that I was able to fax my information in to create a repayment plan, the obstacles that  XXXX  representatives posed were completely unreasonable. They did not give all the information that I needed and told me that there was no way that my account could be serviced fully on that day as " everyone had already gone home ''. This was a lie. After faxing my information TWICE ( once in the morning and once in the afternoon ) and having calle  XXXX  over  ten  times that day to speak to the supervisor  XXXX   XXXX   XXXX , we finally got our agreement made with a different supervisor (  XXXX   XXXX  who had told us that our cause was essentially hopeless. It seems as though we have to ask the right questions to get the answers that we needed and they were completely unhelpful. We believe it was their goal to have us become disheartened after how difficult they made the process so that we would give up and then have to be responsible for more fees and a 24.34 % interest rate hike on my account. They sent me the paperwork for the account in an undated envelope that was past the five day window required by law, and when I called them to discuss it on the  XXXX  of  XXXX , I could not reach anyone during their business hours. I called  16  times. I called today  XXXX   XXXX   XXXX ,   XXXX   ) to confirm that  XXXX  had recieved my borrower repayment agreement, and twice I could not reach anyone. Only when I called from my husband 's phone  XXXX  the supervisor told me previously that they know immediately who is calling as a screen pops up and gives them all the information of the " client '' whenever I call  )  did they answer me. They behave in a ridiculously unethical manner and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I've opened checking account at TD BANK, XXXX XXXX, NJ XXXX branch. I was told and they gave me paper stating that if I deposit {$500.00} in 60 days, I will get {$200.00} bonus. I've made more than {$500.00} deposit within 60 days. But I did not get bonus. Then I've sent multiple emails and got multiple answers. One of them stated that, THE LASTEST THE CREDIT APPLY IS XX/XX/XXXX. I did not get bonus. On XX/XX/XXXX, I visited XXXX XXXX, NJ XXXX and was told she sent email, I will hear in 5 days from her. It was lie as well. I tried to reach out by phone, they have hanged up few times, and on XXXX, XXXX phone conversation I was told they submitted claim, will hear them by Thursday, it was lie too. I told them I will file complaint with federal agency, banker laughed at me and told me GOOD LUCK WITH YOUR COMPLAINT. I hope you will help me solve my issue. Banks are modern day robbers. These days they became even more brazen. I still hope the US is not XXXX XXXX, it has institutions who can oversee bank 's illegal practices. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
US bank has never done its job when it comes to unauthorized charges. It happened to me twice where I filed fraudulent disputes on my checking accounts. Within a COUPLE of DAYS, US bank responded that the charges were " authorized '' without providing me any investigation result. They could not have investigated anything within just a couple of days. Please see attachment on the most recent charges {$400.00} + {$13.00} + {$10.00} which they concluded within a week after I filed my disputes. Nonetheless, no documentation was provided on how they were able to conclude their investigation.

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 2017-05-03
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt owed to  XXXX   XXXX   XXXX   XXXX  for {$120.00} was paid to  XXXX   XXXX   XXXX  on  4/04/17.  Received letter from  Southwest Credit d ated  4/06/17 for same account. Faxed payment information to Southwest Credit on 4/18/17. Received letter from Sou  thwest Credit  dated  4/25/17 stating they had received our dispute but we still owed the balance. Received phone call from Southwes  t Credit on 5/03/17 and was told they would continue collection action on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 instructions.

*15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

DELETE THE ACCOUNTS BELOW

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 2023-06-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX a dispute was submitted for an unknown account on my credit report. I have no knowledge of this account. On XXXX XXXX. The account came back verified. I have not been provided any verification or any Information that confirms the validity of this debt. I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX  ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This same incident occurred with other unknown accounts being reported and no investigation is actually being conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: DISCOVER BANK
State: MI
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:
Friday XX/XX/XXXX {$790.00} Purchased concert tickets through XXXX by phone. 
Concert date was XX/XX/XXXX. 
Used Discover credit card to pay. 
Realized shortly afterward I was charged unreasonably. 
Tried to cancel transaction through Discover and they told me I had to wait for it to post and then file a dispute. 
Received temporary chargeback which was then ruled in the merchants ' favor. 
On XX/XX/XXXX I still had not received the tickets. 
I have emails to prove I reached out to both the merchant and XXXX ( whom the tickets we to be delivered electronically ). 
The day after the concert XX/XX/XXXX, which I never received my tickets from XXXX, I contacted Discover again to file another dispute on goods not received. 
XX/XX/XXXX I received a call from an XXXX at Discover informing me that they accepted the merchants paperwork as proof the tickets were delivered and that this was the end of the line as far I could go to seek reimbursement. 
I don't understand why my written documentation and proof that I had followed all the steps to receive my tickets to no avail is being refused and the merchants sloppy supposed proof is accepted instead. This is so wrong that the almighty dollar can cause such corruption to happen without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: KY
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 ACC 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.

Company response to consumer: Closed with explanation