BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: AZ
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:
The Following accounts have been disputed several time through out 2021 last disputed XX/XX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the XXXX credit bureaus XXXX XXXX XXXX XXXX date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX Co XXXX XXXX there are XXXX different accounts listed for XXXX and XXXX I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is XXXX however there is not 9 years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. XXXX shows collection out of the blue with no prior payment history. 
XXXX XXXX XXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
I have reached out to the Transunion, XXXX, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.

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 2020-10-14
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

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 2019-02-18
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX Santander became my automobile finance company after I put $ XXXX down on a car. It's now XX/XX/XXXX and I still owe just as much as I did in XXXX. I don't understand how I could pay {$32000.00}, total to date ( XXXX ) and still owe over $ 24k. I've been a loyal customer to Santander but I can't get any help with this problem. I found out today that Santander had assigned my car for repossession without my knowledge. I'm constantly threatened with repossession and I get 7-10 phone calls every week. All of this and I've paid them over $ 32k. Santander had me paying interest only some years ago and I don't know if this added more money to my loan or if it was extended. I was never told if any time or money was added to my loan. I need help with this Issue ASAP because my loan matures in XX/XX/XXXX and Santander shows that I still owe over $ 24k. Santander has made a lot of money on this deal and they are acting in a predatory fashion by trying to prolong the loan and repossess my car. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I noticed a fraud ACH online transfer regarding {$360000.00} posted on my BOA savings account as processing on XX/XX/2020, and I call BOA immediately saying I did not authorized the transaction, and requested a hold/freeze on that account and opened a new account and changed user name and password, next day money was back to my account I was told that I was XXXX, XX/XX/2020 the transfer was actullay settled and money was pulled out again from my account, I was told that was due to their system error, but following 2 days money was still missing, XX/XX/2020 they filed a claim for me but that turned out to be a wrong claim, and finally on XX/XX/2020 correct claim was filed on behalf of me, and XX/XX/2020 they denied my claim without any detailed explaination of how they made the decision. I was told by associates from BOA that my case had been accelerated to upper management and should receive a call back within XXXX hours but I never received any phone call from them. I informed BOA and filed police report since I received a critical security alert from XXXX saying someone else has known my password thus I think my account has been hacked and that is why my BOA user name and password got leaked. I did everything right to protect myself from losing money, reported the fraud once it posted on my online banking and filed a police report but BOA did several mistakes and significantly delayed my claim when they were dealing with my case and thus put me at a higher risk of losing money and then they refuse to refund me the money without a reason, I could not accept that result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: NY
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 was informed that I am a victim of three data breaches since XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on Equifax 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. Equifax is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and the dates in question are : 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 2018-09-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$98.00} XXXX XXXX {$150.00} XXXX XXXX {$74.00} XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: JPMORGAN CHASE & CO.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On the XXXX of XXXX, 2018, I was looking through the process of what it would be like to have a co-signer help me apply for an auto loan through JP Morgan Chase Bank. When I was looking through the process, the computer randomly froze and a message popped up saying Were sorry, this part of our site is unavailable right now. 
I thought nothing of it, but then when I went to check my account, I had a hard inquirie from it, regardless that I didnt E-sign anything or that it didnt even go through. 

After looking, I see now that I have more than one inquirie from Chase Bank like this one that I never consented to or knew would happen, which I find to be very misleading. The Auto Financing option should not give you hard inquiries by simply looking through their cars, options, and processes. Now I have hard inquiries on my account from not even applying for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze with ALL 3 credit reporting agencies due to the Equifax breach last year. I'm finally at the point where I want to permanently remove all freezes from these accounts. I had ZERO problems unfreezing my accounts with XXXX  and XXXX but am currently trying to undo the freeze on my Equifax account and can't use their online service and their people are only in the office Monday-Friday over the phone. I need to have background checks done to move into an apartment and think that it's ridiculous that the credit reporting agency who started this whole mess for me in the first place is the one holding me up for getting a background check done to move. CAN SOMEONE PUT THE INCOMPETENT BLOCKHEADS WHO RUN EQUIFAX OUT OF BUSINESS ALREADY?!?!?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureaus ... XXXX, XXXX, Experian have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.

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 2018-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 I contacted Wells Fargo to make full payment to bring my account current. I have been away on family leave from XXXX to assist my mother who has failing health in Missouri. I'm behind 4 payments. I told them I was wishing to bring the account current. I was told they would not accept any payments from me because my house was in foreclosure. I have not received any notices what so ever. I went to county recorders office and found no notice of default. I'm really disturbed that Wells Fargo would not choose to work with me during this difficult time. I was told one week ago that they would email me a re-instatement statement with attorneys fees. As of today I have received nothing from Wells Fargo. The last person I spoke with I was told her name was XXXX XXXX at XXXX ext.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 2018-11-06
Company: SYNCHRONY FINANCIAL
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX XXXX or XXXX XXXX to speak with her on behalf of why I was denied a line of credit she then stated that she worked for care credit and could assist me in getting approved. I transferred money to her XXXX account and received an invoice saying that I had a XXXX line of credit under synchrony bank. She also stated that my card would be mailed to me in 7 to 10 business days. Then I realized I had been scammed.

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 2018-09-16
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Recovery Agency placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request National Recovery Agency to remove incorrect information off my credit report. More importantly, National Recovery Agency are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Theres a inquire on my credit report I have no knowledge of and trying to get it removed but the creditor is not trying to remove it I tried reporting it as fraud but still nothinf

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: MA
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: Other problem getting your report or credit score

Complaint:
I am a current paid subscriber of the paid Equifax Credit Watch Gold service. As a paid subscriber I am entitled to receive a new, updated copy of my current credit report daily. 
I have continued to subscribe to this service as I am one of the approximately 182,000 individuals that Equifax has confirmed and notified that had documentation with personally identifiable information compromised in the security breach disclosed in XX/XX/XXXX. 

The last successful report I was able to generate was on XX/XX/XXXX. 
On XX/XX/XXXX multiple attempts to generate a report all failed, reporting an Eval code Status code FL, Reason code NH. 
On XX/XX/XXXX multiple attempts to generate a report all failed. As per the instructions with the failure I attempted to contact Equifax Customer Care at XXXX.

During this call I was transferred around and spoke with 4 different individuals, who were all courteous but who made varying attempts to assist.

During a subsequent logout of my account and login, I noticed that the " Average Equifax Credit Score for your zip code '' line showed an incorrect zip code, not my correct current zip code. 
The 4th individual I spoke to concluded by telling me to call Global Customer Care at XXXX due to having multiple addresses on my file.

The 5th individual I spoke to apparently made a change that would ostensibly fix the problem. 
I could not generate a report on the XXXX. I could also not generate reports on XX/XX/XXXX or XX/XX/XXXX. 
When calling Customer Care on XX/XX/XXXX the representative told me that I needed to contact XXXX again. 
I have attached a copy of the page that under " Latest Credit Score '' shows " Average Equifax Credit Score for your zip code, <redacted>, is <redacted>. " This is not my correct zip code. 
I also attached a copy of the output from XXXX XXXX reporting the report generation failure, the error codes generated, and the phone number to contact Equifax Customer Care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: EQUIFAX, 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 have contacted  XXXX   XXXX  credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied  XXXX   XXXX  with documentation from the company, by the name of  XXXX   XXXX   XXXX . I submitted to  XXXX   XXXX  a letter that stated they are not able to provide proof of debt because they have no records of me on file.  XXXX   XXXX  has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to  XXXX   XXXX  as well as submitted to them all correspondence letters between my self as well as  XXXX   XXXX . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX  and the creditor has not been able to validate the claimed debt. Therefore,  four  months later this debt should be considered invalid and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: R & R Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried over and over to request documents, a contract or any form of proof that the debt is mine. R and R Collections refuses to validate this debt. I have sent them certified letters month after month. I also have requested that the 3 credit bureas send me proof that this debt is mine. All I know is that its a " vet bill '' I have no further information in the amount of {$2000.00}. R and R collections did not send me an early warning notice so that I may have time to dispute. With out my knowledge they placed it on my credit bureas. dates I have sent over disputes to the bureas and the collection agency on the following debts. I sent them letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and as early as XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
HHGregg, who used Synchrony as their primary financing option went bankrupt and left me with a balance. This was an issue so I called customer service to make sure I was set up on automatic payments and to be sure the purchase was still safe as I had warranties also financed through the bankrupt company. The representative informed me everything was fine and my automatic payment would continue as scheduled. To our surprise, our synchrony is reported late 60 days with different dates and balances. This account was never late and I feel betrayed with a mortgage application on the line now because of this.

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