BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: SD
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 in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.

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 2020-12-10
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I purchased and own my used vehicle XX/XX/XXXX. I purchased XXXX  XXXX  6 months policy XXXX comprehensive insurance. Now it's time for me to renew my insurance and I decided to go with XXXX. However, I noticed that both vehicle insurances used LexisNexis for my driver record. Well it's recorded that on XX/XX/XXXX I have a violation of leaving the scene of an accident. I went to court with my lawyer, and that was dismissed. They're records needs to be updated. It is affecting my rating. I do admit that my driving record hasnt been the best since I moved to New Jersey, but the correct facts/information needs to be reported accurately and truthfully in all fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Flagstar Bank, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Flagstar Bank suspended my account today and wont give me access to my funds. There is about {$15000.00} in funds that they are keeping from me. I called them today to find out whats going on. They wouldnt tell me anything on the phone. They said someone would call me back. They never did!

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 2018-04-01
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: Their investigation did not fix an error on your report

Complaint:
I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with first progress and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.

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 2017-12-21
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Three years ago, I went into XXXX ( XXXX, GA ) for a title loan. I submitted my vehicle title in exchange for approximately {$7000.00}. XXXX failed to properly explain the process and they NEVER, EVER mentioned that the entire amount would need to be paid in 30 days. I never would have accepted the load had the process been clearly explained. Month after month, year after year, I 've paid on a loan that is like a bottomless pit. To date, I have paid over {$20000.00} on a {$7000.00} loan. ( I will upload the documents verifying this amount ). The balance I now owe is more than the {$7.00}, XXXX I originally received. I have applied numerous times for a settlement and each time I was told, " No. '' The management has changed at least 6 times since XXXX. At least XXXX managers have told me that they do n't understand " why my case is being treated differently and that other customers in the past have paid $ XXXX {$3000.00} and their titles have been returned ''. Why? How? How is it acceptable and legal? My husband recently lost his job due to medical issues and I am the sole provider for my family. I simply can not afford to this loan ( $ XXXX ) any longer. Please help my family CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander shows 7 late payments on credit report, asking for forgiveness on late payments promised to be on time moving forward until end of loan, trying to buy house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: WELLS FARGO & COMPANY
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: Personal information incorrect

Complaint:
I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that wells fargo & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently applied for the Citi Double Cash card and received my Citi Double Cash card on XX/XX/XXXX. I activated the card and was informed I can begin using my card. My two first attempts to use the card on XX/XX/XXXX the card declined. I immediately contacted Citi and was told the card is usable with no further declines. I stressed that this can not happen as I'm using this card for purchases with vendors whom I work with. I was assured there would be no further problems. On the following day I had two vendors contact me that my Citi card was declined. I again contacted Citi card and was told they need a copy of my Social Security card. I have never provided this information to a credit card company as I have excellent credit, and held credit cards for over 30 years. Also, I have another credit card currently with Citi. 
After almost an hour on the phone and speaking with a supervisor I requested to cancel the account as I will find a different card provider. They refused to cancel my account until I give them a copy of my social security card. 
I then receive a letter stating they want a copy of my social security card on XX/XX/XXXX via mail. I immediately called and stated I'm not comfortable mailing a copy of my social security card and to please cancel my account. I have not interest in doing business with this company. I was told they will not cancel my account until I mail them a copy of my SS card. At this point I have no idea what to do. I have wasted too much time and effort trying to resolve the service and cancel my account. 
Citi has worst service I have ever experienced.

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 2020-12-08
Company: Experian Information Solutions Inc.
State: SD
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 in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.

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 2021-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I put a application in for a bank of america secure credit card and bank of america has declined me for a secure credit card how can I be declined for a bank of america secure credit card when I am putting up My own money to begin with I don't believe My application should have been declined because I have things on My credit report I never had a bank of america secure credit card with my bank I don't agree with My bank declining me the opportunity to get a bank of america secure credit card when I have never had the opportunity to get a sercuce credit card to begin with

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 2018-07-14
Company: BB&T CORPORATION
State: CT
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 leased a XXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX with XXXX XXXX as the loan company. Payments were made on time and did not have any issues with them for the duration of the lease. I decided to upgrade my vehicle in XX/XX/XXXX with XXXX XXXX XXXX because they offered to pay over mileage, the 2 remaining payments and the disposition fee which totaled {$1800.00}. XXXX had someone come to pick up the rouge about a week later. In XXXX I received a bill for {$1000.00}. I called and spoke to a representative to let them know I was responsible for {$580.00} which was the car tax that I know I owed to them. Also, that there was no way there was {$480.00} worth of damage on the vehicle as there was only minor wear and tear. The representative tried to offer me a discounted rate of {$820.00} which I declined because I did not owe them that much money. In XXXX I found out that the payment that the dealer sent was misapplied and they would not apply it correctly. I then reached out to the better business bureau because I was being treated unfairly. I realized that XXXX XXXX is known for overcharging and treating customer horribly at the end of their leases. The car dealership even told me they stopped doing business with them because there is always end of lease issues with XXXX and it has caused them to lose customers. I was dealing with the better business bureau to try to get this situation handled and i noticed that XXXX started reporting me late on my lease even though i have always paid my lease on time. The lease was up in XXXX and they reported me as late in XXXX, XXXX and XXXX and my credit took a 50 point dip. Working the the XXXX a XXXX representative offered a settlement of {$200.00} and if I paid it that the negative items would be removed from my credit report. So, even though i did not feel that I owed them that much money I paid it so that my credit could be restored. About a month later I noticed my credit score had not changed, so I emailed the representative to ask her when the negative items would be taken off my credit report and found out that they cashed the check but had not applied the payment. They then applied the payment to my account and my file was updated not paid in full and still had collections on it. I disputed the file about 4 times and not it shows that i have 2 accounts with XXXX, one that shows that the lease was paid on time from XX/XX/XXXX-XX/XX/XXXX and another that shows paid, was a charge off and is negative XXXX, XXXX and XXXX. So my credit is still jacked up and XXXX did not live up to their part of the deal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with XXXX XXXX in the amount of {$2100.00} which was XXXX XXXX of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted XXXX XXXX and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2017-08-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XXXX when some of these were done. XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/ XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a complaint on XX/XX/XXXX in regards to an issue I have been having with Bank of America due to money that they owe me I only have until the XXXX of XXXX to claim the money before it is forfeited over to the state however I have contacted them as well as filed a complaint with you which should have stopped my time although Bank of America indicating different they responded to the complaint I last filed on XX/XX/XXXX indicating that they would have a resolution by the XXXX of XXXX which has now passed and that they would contact me at the updated contact information provided however they failed to do so and are giving me nothing but the runaround and refusing to pay me the money thats owed to me so Im filing another complaint hoping that this time this one gets me somewhere

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 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any. 
2. FCRA requires notification prior to submitting any negative information. I have not received any such. 

Remove the following : 1. XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).

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 2020-12-08
Company: DISCOVER BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I previously disputed this information and was told that Discover had instructed XXXX  to remove the inquiries from my XXXX  report. Unfortunately that has not happened and XXXX  informed me that they have not been instructed to remove them. The inquiries are on : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

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