BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CFPB + Equifax, The companies below have many inaccuracies on my Equifax credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Equifax credit report for many blatant inaccuracies they refuse to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2019-06-18
Company: DISCOVER BANK
State: WA
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 customer service

Complaint:
Its been a month ( XX/XX/XXXX ) since Ive asked Discover to send XXXX XXXX their money back for a balance transfer that was sent from XXXX XXXX to Discover in error. Ive called Discover numerous times and was told to wait longer. Finally, on XX/XX/2019 I called Discover and was told that XXXX XXXX must fax a request for the money ( no one called me to tell me Discover is waiting for this fax ), yet XXXX XXXX already sent this request back on XX/XX/XXXX ( trace # XXXX ). Discovers customer service throughout this fiasco has been tragic and infuriating. Today I spoke with the executive office after filing a XXXX  complaint to expedite this crucial issue, and I was simply told there is an an open investigation with no promise of performance. 
XXXX XXXX case # XXXX - Discover case # XXXX - XXXX XXXX sent request for monies : XX/XX/2019, trace # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX of 2023, my younger brother XXXX XXXX XXXX ( XXXX ) leased out a car with XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, CA XXXX United States ) XXXX, my twin brother XXXX XXXX XXXX XXXX XXXX ) cosigned for XXXX 's XXXX. XXXX used his information and on the paper work of XXXX XXXX XXXX the information written is accurate, but when Veros Credit XXXX financing company ) input the information on their end somehow my social security number was used instead. I was not present nor did I sign/know that XXXX was getting a vehicle. I wasn't notified about this purchase until XX/XX/2023 when I checked my credit report. I have tried contacting Veros Credit to resolve this situation but they just tell me I have no access because my name is not linked to any information. This has caused my credit to drop drastically and caused a lot of damages include getting out a car loan, apartment loan, school loan, and emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
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. 

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 2022-05-06
Company: Experian Information Solutions 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 am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible or face a class-action lawsuit if this complaint will be disregarded.

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 2018-02-28
Company: Harley Davidson Financial Services 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: Account status incorrect

Complaint:
Me and my husband have a Harley Davidson financial account and it is reporting late payment for XX/XX/2017 and the payment was not late that month. I have tried to contact them on the phone and on the web site and all we get back is : Good Afternoon XXXX and XXXX : Thank you for contacting us with questions about your loan and for using XXXX. 

We have reviewed our records and determined that your account is being accurately reported to the credit reporting agencies. Accurate credit reporting is required by law ; therefore we can not remove any payment history that has been previously reported. 

If you have any questions, you can reply to this e-mail or call Rider Services at ( XXXX ) XXXX-XXXX, and one of our representatives will be happy to speak with you. 

Enjoy your ride, Rider Services Team Harley-Davidson Financial Services Which is not correct we paid in XX/XX/XXXXfor XX/XX/XXXXAND XX/XX/XXXX I have attached my bank statement for that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended the University XXXX XXXX XXXX from XXXX. During that time, I took out XXXX loans totaling about XXXX. At the time I did not understand the difference between subsidized and unsubsidized loans. I found out after I graduated that both of my loans were unsubsidized and totaled XXXX bucks. Sallie Mae wanted me to pay XXXX bucks per loan six months after I graduated. I informed them that I would not be able to make those payments while making XXXX bucks an hour. One of the representatives suggested that I consolidate them to get a lower payment which I did since I was fresh out of college. 

Fast forwarded 16 years later. I still owe Navient {$54000.00}. I downloaded my payment history did some quick XXXX math. I HAVE PAID NAVIENT {$74000.00} SINCE XXXX! {$10000.00} has went to the principal while {$63000.00} HAS WENT TO INTEREST!!! 

I was steered into forbearance XX/XX/XXXX - XX/XX/XXXX after losing my job. Navient refused to do anything else to lower my payment because my loan was private. 

I thought I was going to see some type of relief from this loan back in XXXX with the Navient Lawsuit. I did not receive any type of notification besides monthly statements and due date notices. Tell me why I didn't qualify? 

-My loan was with Sallie Mae , but then sold ( moved ) to Navient XXXX XXXX XXXX XXXX XXXX XXXX for profit school ( same as XXXX ) -Loan was disbursed in XXXX -I was forced to consolidate my loans in XXXX -Loan was delinquent ( behind on payments ) for well over seven monthly billing cycles prior to XX/XX/XXXX -I lived in a stated covered by the settlement Another thing to mention : Last month, Navient randomly put my account in a disaster forbearance. What disaster was I affected by? Also, my payment just increased randomly by XXXX which I did not receive any notification of in the mail. Apparently according to my portal this letter was sent out XX/XX/XXXX. 

Overall, my case is an example of predatory lending practices from Navient aka SallieMae.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My name is XXXX XXXX. I am writing to complain about interest charges made by Santander Bank in the amount of {$34.00} interest rate charge assessed on my Master card # : XXXX on the last statement ( for the period ending XX/XX/2018 ). I do not believe I should have been charged that much according to the terms of the agreement we have. The balance I owed on the prior months statement was originally {$2800.00}, due by XX/XX/2018. I paid a total of {$2700.00} by the due date and the amount I paid posted to the account by XX/XX/XXXX. 

That left a balance owed of {$82.00}. That was the balance upon which interest charges, I believe, was supposed to accrue. I point to the written terms of our agreement ( found on the reverse side of every Mastercard statement from Santander Bank at page 2, left column ) where it states : Santander will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest free period. 

Therefore, under the plain meaning of the agreement, the interest rate on my account ( i.e., 9.74 % ) should have only been assessed on the amount still outstanding -- $ XXXXso that the interest was about XXXX cents a day so the total interest charge should have been about {$1.00} ). However, I was charged interest of {$34.00}! 

Clearly, I was charged interest on the amount that I paid while in the interest free period in contravention of the terms of the agreement we have. I called Santander bank ( i.e., Santander N.A.  ) on XX/XX/2018 ( XXXX ) and spoke with " XXXX '' who agreed the interest charged looked incorrect and that she would note the complaint and I would hear back in 5 days or so. I never did. I called again and was told the bank stood by their calculation, but no explanation was provided. 

I then wrote the bank at their address listed for disputes via letter dated XX/XX/XXXX and waited 2 weeks, but received no acknowledgment of my complaint. I flag this complaint to your office as I suspect this could be a standard practice whereby Santander may be padding its bottom line by encouraging staff to assess interest in contravention of their agreements on Mastercard accounts. 

The {$34.00} interest charge is too small for me to bother with a small claims court claim, so I kindly request your office to look into it if its within your jurisdiction to do so. Thanks so much. 

I think Santander was wrong under the explicit terms of our agreement and ask that you please again review the decision as I think there is human error or a misunderstanding here. Once you have reviewed the matter, please contact me to let me know the result.

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 2022-06-23
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2023-09-19
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I bought XXXX {$500.00} using my XXXX on XX/XX/XXXX pay a friend. I wanted to transfer it to a wallet but i was told i needed to verify my account.I did upload my ID and picture for verification several times more 10times and was told i could not not be verified. 
I was given a link and and a case number XXXX to upload my my ID and picture, which i did. On several occasion i did chat support they they will say the received my case and it has be escalated and they will get back to me in XXXX hours, its now XXXX since i first uploaded my id. i have not heard from them. I have called customer care about 4times. The last person i spoke to was XXXX on XXXX.He said he would escalate the the issue, I then told him this is the same response i get from the previous staff i spoke with.I also told them that i need a refund of my money that the money was intended to pay for my rent.so i just need my refund pending when ever they complete the verification that usually last 3days they could not help me. My money is still tied down with what app and i have not still been verified.This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 my identity was stolen and my social security number was fraudulently used with lenders who made hard inquiries on my TransUnion account without my authorization. The lenders are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) An FTC report has also been filed and will be attached to this complaint.

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 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a secured credit card with Capital One, have had it over a year now. Have never missed a payment. I was told by a supervisor that it can be made into an unsecured card and the amount I initially put on it would be credited to the card. They are giving me the run-around on this. I asked for this change from secured to unsecured almost a month ago and they have not done anything at all! There is no dept they can transfer me to about this either! They have very bad customer service in regards to this. I want a call back from that department now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: U.S. BANCORP
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
With this credit card account, I had autopay set up. On XX/XX/XXXX, fraud on the bank account that was used for autopay occurred, and as such, the account was frozen. I immediately shut off auto-pay. 

On XX/XX/XXXX, once I had a new account opened, I added a new bank account to my Elan account, and paid my statement with that account. I made sure XXXX different times that the payment was to be sent with my new checking account. I also verified the correct routing/account number. This payment was supposed to process on XX/XX/XXXX. This payment was returned. I paid off all of my other credit cards that day, and only this account had an issue with payment. 

On XX/XX/XXXX, the auto-pay payment processed, despite me turning it off ASAP after my checking account was compromised. 

I got charged a {$25.00} Returned Payment Fee despite turning off auto-pay ASAP and ensuring that the one-time payment made on XX/XX/XXXX was made with the correct/new checking account with the correct routing and account number.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
there's an account reporting on my consumer report with the amount of {$1600.00}. 
Date open XX/XX/XXXX. Last reported XX/XX/XXXX. This notice is to inform you that the buraus unlawfully reported an unauthorized account in my consumer report. Under the consumer law 15U.S.C 1681 ( b )

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