BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: DISCOVER BANK
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last fall our card was charged with a very large transaction ( almost {$3000.00} ). I was only notified of a suspicious charge by email. Unfortunately this email doesnt go to my phone ( though the cc company also has my cell number and did not send a text ). I didnt get the email until the next morning. When I called the company about it, they claimed a call came in minutes after sending out the email, from a person claiming to be me that said, let the transaction go through ( Problem # 1 ) Now when I called, I had to give all kinds of identifying information that no one but myself or my wife would know, so how could that be?? ( Problem # 2 ) They closed the card, said they would send out a new one. I checked back numerous times to make sure the fraud charge was removed on my online account. One of those time, it occurred to me to change my contact email so I could be reached more efficiently since they didnt text me. Lo and behold, in the address section there was an unrecognizable address! Someone, these same perpetrators, somehow, had logged in!!! And changed my address! In addition, I realized the service person I had spoken with about the initial fraud NEVER verified my address before sending a new card out! Ive had cards sent before, sometimes for reasons I dont understand, my credit card companies say its been compromised, but dont expand and change out card, but always verify our address ... this person did not. Well now at least we had an address for the criminals!! When we called the fraud department we asked if they were going to go after them, report them, etc ... No, thats not our job What?? 
( Problem # 3 ) We decided once we get the card paid off, we are closing this account, because they do not take their security strongly. Unfortunately, in XXXX when it was paid, we had a large credit to the account. A purchase from the fall of a curriculum subscription that wasnt supposed to start until XXXX needed to be credited back. I told them the account had changed ( the curriculum company ) and they said by law, it still has to credit to the same account for 6 Months. Well, it didnt credit to our account. I finally contacted Discover, they looked it up and said, oh, yeah ... a credit came in on XX/XX/XXXX for {$190.00} to your old account. ( It was XXXX, by the way! ) You have to request that that be transferred over to your new account ( it all has the same balance by the way ). We can do that. It will take 3-5 days. It is now XX/XX/XXXX. The credit has still not come through. I contacted them again. They are checking on it. My account is paid off. This is money I have paid to Discover and XXXX XXXX has credited back to me and I cant get my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-03-03
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: NJ
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 been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and the Department of Education to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.

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 2021-02-09
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:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
AwA collection never herd of them. 
Didnt do anything with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: GA
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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of IDENINITY THEFT FTC case XXXX reported to XXXX XX/XX/XXXX. See attatched XX/XX/XXXX Experian Report # XXXX XXXX account XXXX Date Opened XX/XX/XXXX Address ID XXXX First Reported XX/XX/XXXX Credit Limit {$3000.00} RECENT BALANCE AS OF XXXX XXXX {$3300.00} THIS ITEM ** REMAINED UNCHANGED ( WAS NOT OPENED BY ME ) PROVIDE ORIGINAL WRITTEN DOCUMENTATION OF XX/XX/XXXX OPENING THIS ACCOUNT VERYFYING MY SIGNATURE. See attatched XX/XX/XXXX XXXX CONFIRMATION OF SETTLEMENT card end XXXX settled XX/XX/XXXX. This is the ONE AND ONLY ACCOUNT I OPENED WITH XXXX. See attatched XX/XX/XXXX XXXX XXXX DEBT DISCHARGED VISA/MSTR XXXX AGAIN, THIS IS THE ONLY ACCOUNT I OPENED WITH 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 2022-12-16
Company: Experian Information Solutions Inc.
State: IL
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:
This is my secondary request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 non-monetary relief
Consumer complaint received 2020-07-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have called Santander, filed a complaint with the XXXX  regarding releasing my title. Which was included in a Ch. XX/XX/XXXX Bankruptcy, with a Successful Discharge in XXXX. It is currently XXXX and my title is still in the name of Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
FCRA violation. Paid vehicle loan balance in full XX/XX/23. Credit reports should reflect accurate payment along with removal of charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2019-07-16
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:
I have several items on my credit report that are not mine. This is the second time I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have reached out to the FTC and to my local police and I am doing this on my own. Again these items listed are not mine and need to be deleted from my credit report. 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. Inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX/XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company 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 2018-12-26
Company: Experian Information Solutions Inc.
State: MN
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:
Sent letters to XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Called and spoke to XXXX on XX/XX/XXXX about the late payments in the past and asked for a goodwill adjustment for the late payments. 

Never got a letter from the Credit Union.

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: IL
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:
XXXX was sent various letters regarding their investigation process and violations that appear on m personal credit report. Personal information was also erroneous and was updated only after requested. This includes wrong names, addresses, phone numbers, and open dates on accounts. Amounts owe on accounts were in error across all three credit bureaus. The status of accounts was incorrect as one account was closed and reopened as active. XXXX sent a stalling letter as a response to a letter sent to state how they verified the information in my personal credit. Currently, there has been no response to this letter. Letters were sent to Equifax and XXXX to address the investigative process according to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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: Information belongs to someone else

Complaint:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company repeatedly contacts for XXXX business debts, with a different name than mine. Likely whoever owes the debt used my phone number. Multiple calls in a week, sometimes multiple per day. Screenshot included does not include all calls, as the number was blocked after the XXXX  call. I have asked them to remove me from their records but they asked for my information, likely phishing, which I refused to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 rights 15 USC1681Section602 States that I have right to privacy.

15 USC section 604A : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may treat a payment on a credit card account under an open -end consumer credit plan as late for any reason

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a car loan through American Credit Acceptance late 2012. Since then it just seems like this company has lied & hustled me into paying additional money. I submitted a request earlier this year that I still have not received a response for. I truly believe they are misrepresenting themselves & applying my payments incorrectly. I have paid the same {$25.00} late fee about 4 times & was not delinquent when paying. They refuse to send me my original loan contract ( which I have asked for 3x now ). They either tell me " no, we can not send it ''. or they agree to send it via fax, mail, or email, but I never receive it. I tell them I haven't received it. They have told me multiple times incorrect information about how the payment is allocated, then when I speak to another agent they give me a totally different answer. I even had a manager be extremely abusive while not answering any of my questions. She proceeded to scream at me after I asked her many times to stop being disrespectful because I was just confused on their payment processing. Today they advised me since I deferred so many payments that I would need to pay the balloon payment within 2 days to avoid repo. If I had never escalated to a manager to complain I would have never known I needed to make a balloon payment. I even asked them specifically on a previous call 'since I deferred so many payments what is my new maturity date '? I also asked 'was there anything additional I needed to do ' pertaining to this same situation. There was no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: VA
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:
Your Agency has furnished the records ( see attached ) to the following Credit Reporting Agencies XXXX, XXXX and Equifax. I have also filed previous complaints regarding the erroneous reporting accounts. You have previously been notified through these agencies regarding my dispute. Your agency has failed to be in compliance with the Fair Credit Reporting Act. Under this act your agency have failed at its duties pursuant to 15 USC 1681s-2 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 15 USC 1681s-2 ( a ) ( 1 ) ( B ) The these continuusly reporting of the folowing acconts. 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  make your agency prone to suit pursuant to 15 USC 1681n and 15 USC 1681o i will also seek damages. To avoid any further actions I request that you Delete the accounts from XXXX, Equifax and XXXX within 15 days of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased XXXX XXXX XXXX on XXXX XXXX car was registered and License in XXXX XXXX GA XXXX I had reach out to credit acceptance several time via phone and registred mail to requet that they forward lien holders title for the car and prior to submitting this formed I have not receive any response.

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 2020-05-05
Company: Army and Air Force Exchange Service
State: AR
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 have an account that was closed on XX/XX/XXXX approximately to a XXXX balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called Military Star Card ( AAFES ) and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with XXXX  time and time again. XXXX  is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.

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