BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: FORD MOTOR CREDIT CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, FORD MOTOR CREDIT ( I add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  - XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: LA
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:
After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX customer service representative without my consent blocked my XXXX XXXX XXXX. I called into their customer service inquiring about a purchase on XXXX XXXX, XXXX {$94.00}. The CSR said she is going to block the card. I explained, I only have an inquiry please do not block the card for I have a balance on the card. I explained I need to purchase medicine. The CSR blocked the card anyway and now I have to wait 7 to 10 days for XXXX XXXX XXXX XXXX to send another card. The money to purchase medicine was loaded on the card the CSR blocked and now I will have to wait 7 to 10 days to buy medicine. I am a XXXX XXXX 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 2021-06-10
Company: Global Lending Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter regarding unauthorize inquiries on my credit report to this company over 45 days later I have not received a response as of yet. I feel as if I am being taken advantage of and being ignored regarding my disputes. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress I am being emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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:
Please all names and addresses that are not as following. Anything, else if identity theft and fraud. NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. ALL OTHERS REMOVE FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax 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. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : $ XXXXDate Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my credit report and XXXX XXXX XXXX Say I owe {$6500.00}, but the Court Order Eviction Action Summons that was given to me on XXXX say I owe {$4500.00}. Plus after accruing cost after I return my keys on XX/XX/XXXX, on the final ACCOUNT Statement From the XX/XX/XXXX to XX/XX/XXXX is {$3900.00}. 

Theres no out come that add up to {$6500.00}. so the amount they attempt to collect is Incorrect which is a violation under the FCRA. this account amount not correct.

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 2021-11-08
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021 I made a purchase online with XXXX XXXX XXXX ( XXXX ) and opted to pay over time through Affirm. More specifically, their platform serviced the loan through XXXX. Halfway through the loan term, my debit card was canceled due to fraudulent activity. After getting a new debit card from my bank, I attempted to update my payment method via my Affirm account online. I received an error message saying the card was " invalid ''. Thinking this was due to my bank declining the card, I tried a different credit card. Same issue. 

Over the past 6 weeks I have tried multiple times to add a different card ( both debit and credit ) and keep having the same problem. I have called Affirm more than 6 times trying to get this situation fixed, attempting to speak to a manager who oversees technical issues. Each time I'm told the problem will be escalated, only to check in days later to find out the case has been " closed '' though there has been no response or resolution. I have called my banks. They all confirm that they are not declining the attempts. In fact, I have multiple Affirm loans that are currently active, with the card I am attempting to add as a payment source, that have had no issues. So the problem is clearly with their system. I am at my wits end. 

The loan is now considered " overdue '' and each time I speak with someone it's like talking to a brick wall. They keep attempting to get me to try a different card, although I repeatedly explain the main issue is that I can not add one. I keep being told my overdue status will affect my ability to use their service for future purchases. I would appreciate getting help from someone who is higher up in management and also someone who is not staffed at one of their lower tiered call centers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX Paypal/XXXX  submitted and approved an unauthorized charge to my bank account, not my Paypal account. This transaction was in no way authorized by me. The amount should have come from Paypal not our bank account. XXXX is using this means in order to collect the Paypal fees for the transaction. It appears to be fraud on a massive scale as many other users online report similar issues. I sold an item on XXXX, the buyer asked for a refund, and then never returned the product. XXXX then took the money from my bank account. So now I'm out the XXXX fees, the shipping costs, and the item. I would open a criminal inquiry if I could.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: OH
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:
Unauthorized use of credit report please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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:
Please all names and addresses that are not as following. Anything, else if identity theft and fraud. NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. ALL OTHERS REMOVE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
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 the Fair Credit Reporting act 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, has violated my rights. 

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 instructions

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 2017-10-28
Company: Convergent Resources, Inc.
State: NC
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 checked my credit report in XXXX, XXXX, and found a collection account ( account number is XXXX ) that I was unaware of, as no notice had ever been sent. When I contacted the company, I asked on XXXX separate occasions for documentation supporting the amount they claimed was owed. ( I did not dispute the validity of the debt, just the amount. ) Both times I received a billing statement from the original creditor, XXXX, but never any itemized information, nor the original credit application. Finally, I agreed to pay the amount in full, if they would remove the item from my credit reports. They agreed, and in XXXX, XXXX, I paid the account balance in full and was told that the item would be removed from my credit report within XXXX business days. It is now almost XXXX, the collection account is still showing with all three credit reporting agencies, and I have disputed it multiple times with each agency, and it is still being reported as accurate. Recently, I wrote to each agency demanding documentation supporting this being on my file, pursuant to section 609 [ 15 U.S.C 1681g ], and it was treated by each as a dispute, with the documentation never provided. ( These are separate  complaints. ) I feel the company has both a legal and ethical obligation to remove this account from my files with all three credit reporting agencies. Their failure to do so will leave me no choice but to include them in future complaints to my State 's Attorney General concerning this, and other matters with the credit reporting agencies, should the CFPB fail to enforce the FCRA.

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 2021-05-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the priority checking and saving account through the promotional link on the Citibank website on XX/XX/2021. 

XXXX XXXX XXXXciti.comXXXX  The promotion period is different now but it is the same offer that I signed up for. It states that I would be receiving {$700.00} cash bonus if I open both account and deposit {$50000.00} and maintained for 60 days. So I made the account and transfer the money and made sure everything is followed according to the fine print. 

A few months gone by I have not received the bonus. On XX/XX/2021, I contacted the bank through direct chat and the presentative said that I would be receiving the bonus cash on XX/XX/XXXX or before. On XX/XX/2021, I have not received the bonus and I contacted the bank again. The representative told be they would need to open a case for investigation. A week later, I received the case status stating that the no promotion associated to my account which contradict the fact I signed up through the Citibank promotional link and still no bonus. I contacted the bank via and spoke to the supervisor to no available. I would like to have my cash bonus and this issue disputed.

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 2020-04-25
Company: Experian Information Solutions Inc.
State: MS
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:
According to XXXX, XXXX  and Experian they have verified that 'alledged account XXXX XXXX XXXX XXXX XXXX and it has a balance of XXXX. This account was sold to the collection agency XXXX, therefore how can it report a balance. I have disputed this account with the bureaus several times and they continue to report this inaccurate information.. 

Furthermore, I disputed this account with the collection agency as well. According to the FCBA and FACTA 312, and the FDCPA, the collection agency and or original creditor must be able to produce 1. complete payment history of the alleged amount/ verification line by line 2. date of last payment 3. charge off date 4. Contract/Agreement with signature 5. proof of photo identification 6. letter of sale or assignment from the seller/original creditor agreements states that debt are sold as is. ( the seller of the debt disclaims all representations and warranties regarding the accuracy of information they provide about individual debts. 

XXXX failed to provide this information, instead they sent an itemized bill and stated that they did NOT have a signature on file. This does not constitute validation and this information needs to be deleted off my credit report. 

Failure to delete this information will result in a lawsuit and a complaint with my state attorney general for failing to adhere to the FCRA, FDCPA, FCBA, and FACTA 312

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 2017-10-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I filed the dispute twice and the Barclay Bank still charged to my account. 
My credit card limit is {$2000.00} and unauthorized charges were appx. {$2800.00} therefore my credit score got decreased under XXXX and I am having problem getting mortgage finance. 
I am a victim and this bank is making my life miserable, I can not purchase my dream home.

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 2021-05-12
Company: COMMERCE BANK
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I apply for a sba loan. For XXXX When I meet in person with commerce bank they look everything ad my credit score and my financial everything look perfect and we sumith it for the loan five days later she send me a email that she need to talk to me by phone. When I call her she told me my loan was not going to happen because it was going to make more debt to my business. And they will deny my loan. I told her send me the reason for denial by writing so I can see better what was the problem because it didn't make sense. She never send me a written notice to explain. And the problem is that all this time I been under contract trying to get the loan and meet the days for closing. Now I'm in really bad situation no other bank can't meet the deadlines for the loan. One of the things that happend during our first meeting that the loan officer Use to sell clothing and she started asking me more and more questions about how that I was able to make my own makeup brand and clothing brand where did I got or how it needs to be done. And I told her that was confidential because it's how I make my business. After that I saw a change on everything. I was never provided with a account number or loan number they just won't return my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is my third complaint to have my issue addressed regarding mortgage payments through USAA XXXX XXXX that are not showing on all three credit reporting agencies. All three agencies are still only showing XXXX and XXXX payments being made to USAA XXXX XXXX which is incorrect. There are payments that are still not reported which are in turn diminishing my XXXX XXXX and credit in general. I have also asked now a third time that USAA XXXX XXXX reestablish my XXXX score which has diminished due to them not reporting payments that I have cashed checks signed by their company. Once again, I am only seeing XXXX and XXXX XXXX reported. There are other payments that have still not been reported by USAA XXXX XXXX XXXX. I need all payments as they have on XXXX file that have been received by their customer. Me. I also need my XXXX XXXX reinstated as was told by another bank in which they stated USAA XXXX can yes, very well reinstate your credit to all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted a debt validation letter to Santander USA, requesting proof that I lawfully owe them this debt on XX/XX/XXXX. 

I gave them 21 days to respond, in which they did. In their response, they did not provide me with sufficient documentation that this debt is owed to them. I also asked for 30 days to investigate their information, with a cease and desist command so that I can investigate this information with less stress. 

This company did not honor my request and began calling again on last Tuesday. I have proof of the phone log that I am providing here as well. 

This debt has ruined my entire life, my credit and my financial status. I have had a hard time getting adequate housing due to this false and misleading information that appears on my credit reports and robs me blind each month. 

My interest rates have skyrocketed and I'm asked to place more money on housing and deposits on utility bills and other needs. 

This situation has ruined my health and has caused major stress in my life. Im afraid I will not have a place to live or even transportation, as Im in fear of not being able to transport in the way that is necessary to secure a living wage. 

I humbly requested that Santander Consumer USA provide me with adequate proof that I owe the debt, pursuant to Title 15 US Code 1692g.

I received no information that proves that any debt is owed to this company. In fact, pursuant to Pursuant to 15 U.S. Code 1692a ( 4 ) and 15 U.S Code 1602 ( g ), the documentation provided proves that I am the original creditor who has extended credit to this company. 

I have documentation that I will provide that adds up all of the dates and code violations from this misleading debt that has been placed on me as a obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pennsylvania Higher Education Assistance Agency ( PHEAA ) continues to ignore my requests of due process of law regarding my student loan debt. Please see attached document that explains the latest update regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: NJ
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 the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 instructions.

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