BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Date : XX/XX/2018 Amount : {$1000.00} Contacted my bank USAA Savings bank to stop wire transfer 10-15minutes after transaction and also visited XXXX XXXX XXXX branch to also stop payment, no one could help me, BOTH only advise me to contact person who the wire transfer was sent to which was my Old landlord in XXXX which we didn't end terms amicable and now i live in XXXX. I did however send landlord e-mail requesting money back. Final Word on the both banks mentioned here was that money was already posted and couldn't get it back. Below is what happen : I wanted to transfer money from MY checking account to My savings account within same bank BUT Money got transfer UNINTENTIONALLY from my savings account to another bank Institution which we had business with in the past " old landlord bank account ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Santander Consumer USA 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:
I had an Auto Loan with Santander Consumer that was paid off XX/XX/2019. Per Santander the balance was {$22000.00}. XXXX sent them a check in the amount of {$22000.00} on XX/XX/2019. On XX/XX/2019, Santander closed this account as Paid in Full. On XX/XX/2019, this account was reopened and reported as 30 days late with a balance of {$510.00}. I contacted Santander and they could not explain to me how a balance was calculated on my account 2 months after they acknowledged that it was paid in full. This account is now showing as a charged off account on my credit report and has caused detrimental damage to my credit score. I am a XXXX XXXX XXXX   and have been denied XXXX funding due to this charged-off account which is possibly going to cause my business to shut down. I have disputed this account several times and I can not find any relief. Please make this bank stop ruining my credit reputation. I spent {$6000.00} towards the negative equity getting out of this vehicle only for them to lie and place a derogatory mark on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I filed a complaint on Chase Bank about {$1500.00} that has not been credited to my account for a loan that was taken out on XX/XX/2019. Chase made ONE scripted call and nothing has been done. I checked the status with the XXXX  and it said closed because Chase called me? It was a token call with nothing being done just responding to close this complaint. This is horrible business by JP Morgan Chase. XXXX XXXX XXXX Tx is on the other end of this also. Chase had the check and said it sent it to XXXX XXXX of XXXX Tx but XXXX XXXX says it don't have it. I'm stuck in the middle paying interest on the {$1500.00} that I should not be. You might want to try another Bank and Dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Earlier this year the our ( my wife and I ) Transunion XXXX accounts were shut down and we were switched to Service.transunion.com, which appears as an makeshift access to Transunion. When calling in we were told that Transunion had switched all non paying clients to the Service.transunion.com site, and since has had problems with proper credir reporting to include the site not showing what can be accessed elswhere. Today I did a XXXX search for Service.transunion.com and nothing showed up. Also went to the main Transunion website and the XXXX  website and there was no mention of Service.transunion.com. And everytime we had asked about XXXX  which was and still is the FREE Transunion access, we were told that we had to stay with Service.transunion.com, an access that's not even listed on any of their websites, nor is there anything in the search engines. this makes me think my wife and I are on a special access to Transunion and have been blocked from accessing Transunion the same way we did in the past.

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 2020-04-28
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Upon entering XXXX  school three years ago ( XX/XX/XXXX ), my federal student loans went into deferment. Since then, I have not received ANY contact from my student loan service, Nelnet. This includes loan statements, interest statements, tax information, reminders, or anything else. 

I have continued to make payments to my private student loans during my time in graduate school to a company that is also owned by Nelnet ( Firstmark ), but given the lack of contact, I had forgotten about the separate loan and loan service account. Perhaps naively assuming that since they're owned by THE SAME COMPANY and want my money they would be in touch. Today, I learned I still owe {$13000.00} in federal student loans. I was not aware of this balance until today ( XX/XX/XXXX ). 

I contacted Nelnet and despite having records of my making regular twice-monthly payments totaling tens of thousands of dollars over the past three years to my private loan account, and declaring interest as tax deductible every year, they have no record of contacting me for my federal student loans. I asked them why they didn't contact me and to please describe the policy that outlines why in the world they would cease contact with borrowers while also collecting interest on them and their response was " I don't know. '' I'm not kidding. The response from the customer service representative and her supervisor was " I don't know. '' TO BE CLEAR : I did NOT miss any contacts, letters or email. I did NOT ignore any correspondence or lose it. NELNET HAS NO RECORD OF CONTACTING ME FOR THREE YEARS despite collecting daily interest from me. 

" I don't know '' is not an acceptable response. Not contacting borrowers for three years is not an acceptable policy. Continuing to collect DAILY COMPOUNDED INTEREST off my back while neglecting to notify or even give me the opportunity to deduct the interest from my taxes is not acceptable. I would assume and hope that it is in some form illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We were charged a {$38.00} late fee by Capital One Credit and called to get it removed and they refused to. Weve been heavily impacted from Covid-19. Our family has lost our jobs and have had numerous family and friends pass away. We were told when we initially called back in XXXX that we would not be charged interest and they would remove the late fees knowing that we are in a terrible situation. We need help here and shouldnt be punished for going through what we are going through. They said that the account will remain in past due status and will get reported to the credit bureaus. Weve never made a late payment prior to this and shouldnt be punished now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've been having the hardest problem dealing with someone using my personal information to open accounts in my name without my consent. I've filed police reports and FTC report trying to clear my name but i'm not having much luck.

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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TransUnion and XXXX  are fraudulent on my accounts : XXXX/XXXX  XXXX  is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX/XXXX is fraudulent on my credit Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXXXXXX is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX   XXXX  XXXX is fraudulent on my credit Account XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account

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 2021-04-13
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:
EQUIFAX IS REPORTING WRONG DATE OF BIRTH IN MY CREDIT FILE. 
THE CREDIT BUREAU FAILED TO INVESTIGATE OR PROVE 100 % ACCURACY OF ALLEGED CREDIT COLLECTION ACCOUNTS LISTED BELOW. 

DATE OF BIRTH LISTED IN MY CREDIT FILE XX/XX/XXXX( INACCUATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CAVALRY INVESTMENTS, LLC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Cavalry Portfolio Services has placed a lien on the title of our family home in Connecticut. 
We are trying to sell our family home through a short sale to keep it from falling into foreclosure. 
Despite our best efforts, Cavalry refuses to release the lien from the title so the short sale can go through and not another Connecticut foreclosed home. 
We have a cash sale, but Cavalry continues to refuse to work with us by releasing a very old debt from XXXX - XXXX that they purchased. 
At that time, both of us were working. The economy in Connecticut was great, we are now retired and trying to sell our family home when this showed up on the title. 
Our Bank will not close with this lien on the title. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank had a {$600.00} promo offer If you open an account and maintain the balance for 3 months on {$50000.00} that I saw online, I went to the XXXX, Ca branch and asked them for that offer and they happily opened my account. 

I was informed by the branch to keep the balance between my checking and savings account which I did from XXXX XXXX to XX/XX/XXXX. I messaged, called their toll free number and the branch on XX/XX/XXXX and was told it was not coded properly by the toll free and message and was asked to call the branch. I called the branch and spoke with a lady and later XXXX XXXX who said it was coded properly and to expect my {$600.00} bonus on XX/XX/XXXX. 

Come XX/XX/XXXX, I messaged again and called and finally put in a dispute. I followed up on the dispute on XX/XX/XXXX and was told that a letter was sent and the representative read the letter saying it was denied. This is not right and this 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 monetary relief
Consumer complaint received 2021-10-21
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVED NOTIFICATION THAT COLLECTION WAS PLACED ON MY CREDIT FILES. NO INFORMATION TO VERIFY OR VALIDATE THE DEBT WAS OWED BY ME. THIS IS IN VIOLATION OF FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!

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 2018-06-12
Company: Ability Recovery Services, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account with XXXX XXXX XXXX which should have aged- off of my credit report has apparently been sold and re-aged by Ability Recovery Services. 

I haven't had any contact with the original creditor or its ancillary.

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 2020-04-28
Company: Early Warning Services, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020, I called Early Warning to obtain a " security freeze '' as outlined in the FRCA. However, I was informed by the representative " XXXX '' that he had never heard of that and it was not offered. He continued that Early Warning was not a " credit '' reporting agency and consumer reporting agencies were exempt from the FRCA, which is absolutely false. Although, the rights are listed at the bottom of the Consumer Report which I obtained. It reads in bold and all caps that " CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. '' After no further denial, I requested to speak with a supervisor " XXXX, '' but she never came to the phone. I requested a call back. Thus, my issue is that I have the right to a security freeze and would like one placed on my consumer report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
Account # XXXX - ComentityCapital/XXXX  On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for ComentityCapital/XXXX  has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX  and was told that ComentityCapital/XXXX  has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX  on XXXX and will file with XXXX  today. I would like for Comentity Bank/XXXX to request removal of the tradeline from all three credit bureaus. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. XXXX  has this account listed as Paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX  children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX account XXXX ; XXXX  account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX XXXX account XXXX ; and US BKPT account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-05-07
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: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX XXXX account XXXX ; and US BKPT account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation