BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an auto account with Santander Consumer USA that was sold to XXXX XXXX and they offer me an settlement which I had paid successfully on XXXX XXXX of {$1200.00} and it was stated that within 30 days which it has been more than 30 days since XXXX XXXX they would request for a deletion from all my credit bureaus but they haven't completed their end of the word and I need that to be deleted off my reports and my husband report because he joint sign with me on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SYNCHRONY FINANCIAL
State: MA
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 are two different accounts on my credit file that I do not know where they came from, I noticed that both accounts have a weird name like syncb/old navy and syncb/payP. I did my research online and it says that these accounts came from synchrony bank. I sent a letter to XXXX, XXXX and XXXX asking them to validate these accounts because I do not recognize where they came from and all that this company sent me is a copy of my credit report saying that the accounts were validated without providing me an original contract bearing my signature. I asked for documents that would show an original contract with my signature or something that binds me to these accounts but up to this day I have not received anything like that from them. These accounts are showing with a status of discharged in bankruptcy and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows that these accounts were open on XX/XX/2014 and synchrony bank as the original creditor but I never had an account or a contract with them. I want to see the contract with my signature on it if they are claiming that these accounts belong to me. By law all information on my credit file must be 100 % accurate, without any mistakes.

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 2021-10-13
Company: U.S. Collections West, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently came to a settlement agreement with company " US COLLECTIONS WEST ''. Part of the agreement was that US COLLECTIONS WEST would delete this account from my credit reporting after my payment successfully went through. Well, my payment went through and it has been over 30 days and it is still reporting on my credit. This account needs to be deleted asap! Please see the attached settlement agreement.

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 2020-11-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have send in the information to XXXX  and Comenity Bank about several credit cards that was on my credit due to Indenitity theft. I send in the copy of the police report and the FTC indetity theft report. XXXX and XXXX XXXX has removed the items off my credit report but XXXX and the bank is still sending me the bill to pay I have been trying to get this resloved it has been going on two years and I do not know what to do next This date back to XXXX and the total amount is over {$2000.00} ( which is four credit cards I have not had in my possession at all. One of the cards was removed but the other three are still listed and I am still getting bills from the bank and on the credit report all four came from the same bank, Do not understand how you delete one and not send me the bill for it but still send the bills for the other three all of them was opended around the same time along with several other cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This agency has contacted me several times regarding an unverifiable debt. When I asked for additional information, they could not provide it. They have threatened to have me served with court documents. As such, I told them that I would be happy to appear in Court on this because they would have to prove the validity of this debt. They have called numerous times before and I've responded in the same matter. They still have not served me with any paperwork. This situation is out of control because they contacted my mother ( at work ) and my family member, even though I have spoken with them and tried to arrange a time for them to serve me with paperwork. This isn't the first time they've contacted me but it is the most recent. Even after speaking with them on Thursday, they contacted my mother at work on Friday. This is unacceptable. I would like some assistance in dealing with this collection agency because at this point they are violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Alliance One, Inc.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a collection that was deemed fraudulent. I was told once they investigated, if it was fraud and I had paid it, I would be given my money back. I paid the full amount so my credit report would stop being affected. Now that the investigation is over and XXXX XXXX found it fraudulent, the collection agency doesnt respond. Their phone system doesnt work. I spoke to XXXX XXXX ( a supervisor ) once. He told me his boss would have to get my file opened because it had been archived. Ive tried for two weeks now to speak to anyone at the company and the only line that works is the receptionist and Ive been disconnected every time she tries to transfer me. XXXX at XXXX XXXX in the fraud department confirmed she submitted to Alliance One the documents showing it was fraudulent and my money should be refunded to me. She did that on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Experian Information Solutions Inc.
State: MO
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:
The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) 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 2019-06-17
Company: Experian Information Solutions Inc.
State: NV
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 was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : US DEPT ED Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : XXXX XXXX XXXX Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2020-05-03
Company: AFNI 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:
XXXX refused to do proper investigation and providing validate verification for Afni collections account saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. This is a fraudulent account the incorrect social, date of birth & spelling of name was used to open. XXXX  confirmed this info to me and removed the account and the incorrect social from my profile immediately. XXXX  is claiming the AFNI file has been verified as mine. I have a fraud alert on my credit to avoid this happening again. Please AFNI removed from XXXX  report as I am looking to buy a home and it holding me back from taking advantage of the best rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX 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 2019-06-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 two charges were made at a vendor called " XXXX XXXX XXXX '', one in the amount of {$180.00} and one in the amount of {$210.00}. I was first made aware of the charges by Citi as they were flagged as fraud and I was contacted to see if I authorized the charges, which I did not. The charges were then removed from my account as fraud. 
About a month later they reappeared on my statement, I contacted Citi and they said they decided I did make the charges. I DID NOT. 
I have paid tens of thousands of dollars on my credit cards and not been late once, it's preposterous to accuse me of blatantly lying about under {$400.00}! I have even been paying many more dollars since Citi has so insulted me by accusing me of lying on other Citi cards themselves that I have. 
It is ridiculous that Citi can totally destroy my credit over charges I DID NOT MAKE!

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 2021-06-24
Company: EQUIFAX, INC.
State: NJ
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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$320.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : 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 2022-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 XXXXXXXX, have 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 response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to dispute the following accounts, simply cause they are not mines, I did not cause them, no do I have any knowledge of these frivolous accounts reporting on my credit report. I'm asking that the 3 major credit reporting agencies remove the following unauthorized accounts. 

[ 1 ] XXXX XXXX {$600.00} [ 2 ] XXXX XXXX {$470.00} [ 3 ] XXXX {$400.00} [ 4 ] Dept of ED/ XXXX {$4500.00} [ 5 ] Dept of ED/ XXXX {$3500.00} [ 6 ] Dept of ED/ XXXX {$2200.00} [ 7 ] Dept of ED/ XXXX {$2100.00} [ 8 ] Dept of ED/ XXXX  {$2000.00} [ 9 ] Dept of ED/XXXX {$1700.00} [ 10 ] Dept of ED/XXXX  {$1700.00} [ 11 ] Dept of ED/XXXX  {$1300.00} [ 12 ] Dept of ED/XXXX   {$1000.00} [ 13 ] Dept of ED/XXXX {$100.00} ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan was paid in full with some overpayment. The bank has not returned overpayment in nearly seven weeks. They also miscalculated the overpayment amount bt {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hey I opened up a XXXX big card account through XXXX XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is XXXX  it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of them

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 2018-10-29
Company: Experian Information Solutions 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX 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 2018-10-29
Company: Experian Information Solutions 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 information incorrect

Complaint:
During XX/XX/XXXX a new account with XXXX was reported twice. I only have one new account with XXXX. This affected my credit score that decreased one point. Also, XXXX-XXXX   decreased my credit limit but I was not informed. This information maybe wrong with Experian.

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 2018-10-29
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested that my mortage company MTB remove the pmi from my account since the loan was originally signed in XX/XX/XXXX. This would allow me to drop pmi if 80 % of the original value and loan in good standing. Currently my mortgage company quoted me this " Message Details To reply to this message, click Reply. To delete this message, click Delete. 
Send a Message| View Secure Messages Message DetailsDateXX/XX/XXXXFromXXXX - M & T Customer ServiceToXXXX XXXX XXXXSubjectRE : RE : Mortgage PaymentsMessageDear XXXX XXXX XXXX , Thank you for your inquiry. 

Please be advised, I have confirmed your loan does not yet qualify for early termination of Mortgage Insurance ( MI ). To qualify for early termination of the mortgage insurance, your loan must be at least five years of age with a Loan to Value ( LTV ) of 78 % and no payments more than 30 days late within the prior 12 months. Since the XX/XX/XXXX was more than 30 days past due, we are unable to accommodate the request to remove the mortgage insurance according to the Department of Housing and Urban Development 's ( HUD ) requirements. 

If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX. 

Sincerely, XXXX XXXX Mortgage Customer Support Retail Loan Servicing '' My loan is already at 80 % and they are in violation of the fha line terms. My original loan amount is XXXX. I am currently at 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 2019-06-17
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I check my credit report this past weekend and noticed I have a collection from Southwest Credit on my report. I called them first thing Monday morning to see what this was about. Per the rep its for a cable bill that I knew nothing about. I asked her why didnt I get something in the mail before they attacked my credit and was told. We are not the cable company and do not need to send you anything. I told her that she did need to send me something so that I could dispute it. She told me it will stay until I pay. This is fraud.

Company response to consumer: Closed with explanation