BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
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 been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.

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 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I ordered my credit report and received information from experian. On the report, Im listed as having an account that may be considered negative : Nissan- infinity. This was a lease car that I paid payments on time and returned car in on end of term date in XXXX of 2013. Account is listed as paid/ closed but I dont know why it is listed as negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan company said they did not receive payments. They were made! I was never notified of late payments! I want to know what happened to my money.

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 2020-05-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Comenity XXXX XXXX 3 times told them my account showing balance although paid in full. Told them every point counted on my credit because my business badly affected by covid. Never resolved never received paid in full letter I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: ALLY FINANCIAL INC.
State: CA
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 was billed by both parties. Ally bank sent bill {$1500.00} deductible of totaled car from riots in XXXX XXXX. XXXX XXXX  already charged me the {$1500.00} and Then XXXX paid Alley more money which made the {$1500.00} to {$1000.00} .and then another {$230.00}. I have documents to back it up as well as letters from the Department of Insurance of seeing XXXX wrong doing. But I continued to pay for car even when is was totaled XX/XX/XXXX. XXXX sent Ally a check for car that was wrong amount because XXXX didnt compare like cars during assessment. I have proof. Then ally reported me to collections immediately for no reason. I dont owe Ally for my deductible since it was paid to XXXX. The car was vandalized. And took XXXX 4 months to take care of. Not my fault XXXX and Ally have horrible communication skills and Ally didnt investigate the {$6000.00} difference in. Comparing the same cars. ( how XXXX estimates the value of totaled vehicle ). And Ally has no right to report me without sending proper bill within 30 days.

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 2018-04-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
OnXX/XX/XXXX I made a purchase with my Walmart synchrony card, at a Walmart for {$300.00}. The most recent purchase raise the balance to a little over {$1700.00}. On XX/XX/XXXX I came home to a letter from XXXX XXXX stating that they were dropping my credit limit to {$1400.00} from {$5000.00}. The credit limit decrease was based on reporting from XXXX suggesting identity fraud and non reported new address. The credit limit decrease instantly put the credit card over it's limit and reporting that I am now utilizing 100 % of my credit. Upon calling synchrony I discovered that their fraud department had no indication of fraud on my account and a supervisor could not explain what was being reported on the letter. I was advised to contact XXXX. I have been unable to reach a person at XXXX to explain what is being reported. My credit score has now also been affected by a 120 point drop due my credit limits now being maxed out. After checking my report with XXXX   on XXXX XXXX there are no indications of any kind of fraud or changes to my report. Synchrony decision to reduce my credit limit and inability to explain the reasons has adversely affected my credit score. I have a 100 % positive payment history on not only this account but every other account in my name. I have since opened a XXXX XXXX XXXX XXXX card to transfer the balance so that I may close out the synchrony card. I was granted a {$25000.00} credit limit based on the same credit score and information that synchrony used to drop my credit limit on their card. This was an unfair practice that no one has been able to explain 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 2018-10-16
Company: EQUIFAX, INC.
State: PA
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 credit bureaus are reporting a collection account on my credit file from XXXX XXXX. I have no knowledge of this account and it should not be reporting on my credit file. 

I was never sent a DV and when i tried disputing directing with the collection agency in XX/XX/2017 they were unable to provide me with an proof that this account belongs to me this account is not mine and should not be reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Velocity Portfolio Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sent letter in XXXX about incorrect credit reporting. Shows as 2 different accounts and has been discharged through bankruptcy. Showing 2 amounts due

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 2018-10-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My wife and I filed bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. The account we are having problems with is a private student loan that I was a co-signer on for XXXX  XXXX XXXX account # XXXX. This account was discharged in the ch. XXXX bankruptcy making myself no longer legally responsible for this loan, and No account balance or delinquency should be shown on this account on my credit report. The credit agency Equifax absolutely REFUSES to report this information correctly. Equifax is still stating that this account is delinquent and that a current balance is owed. Even though on XX/XX/XXXX, Equifax, sent me a credit file Confirmation # XXXX stating that they hired a third party vendor named XXXX, and that company determined that US Bankruptcy Court-XXXX Discharged this XXXX  XXXX XXXX account in a Ch. XXXX bankruptcy on XX/XX/XXXX Case # XXXX. The credit file also states that the account with Equifax has been updated to show that it was included in the bankruptcy and that there is no amount past due, no payment amount due, and no balance. Yet with all this information that has been provided to Equifax over the last 8 YEARS, multiple times, this company still ABSOLUTELY REFUSES to legally report what was ordered by a court of law. I have filed a complaint with the CFPB before on this matter, I have made several calls to Equifax, and I have also requested help with a credit repair agency. Enough is Enough. I want this situation rectified immediately. This company has illegally harassed me long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
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: Account information incorrect

Complaint:
I HAD AN OUTSTANDING BALANCE OF XXXX ON A XXXX XXXX CREDIT CARD.

I HAVE PAID OFF ANY REMAINING BALANCE, IN ONE FELL SWOOP. THUS, SHOULD MY SCORE NOT GO UP BY, AT LEAST, 34 POINTS? ( CREDIT SCORE IS BY DIVISIBLES OF 5. $ XXXX= 1 POINT. ) PLUS, AN ADDITIONAL AMOUNT.

I ALSO HAVE AN XXXX  OPEN BUT THIS SHOWS NOWHERE ON MY CREDIT REPORT.

I HAVE NEVER EVER BEEN LATE WITH A PAYMENT FOR ANY CHARGE CARD. EVER.

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 2019-01-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my credit report and found an open account from a payday loan from XXXX XXXX opened XX/XX/XXXX. The store that is reporting this mark is located in XXXX, TX, where I have not resided since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying my normal repayment for years. Out of the blue on XX/XX/XXXX I received an email stating they received my request for income driven repayment. I am mediately called to inform them that I did not submit anything and the request was not mine. The lady explained that there was another customer with a similar account or social number and that the request was incorrectly login to my account. I told her I did not want anything on my account changed. She assured me that it would be corrected. On XX/XX/XXXX I received another email stating that they received the additional documentation for the income driven request. Once again I called and explained how I called a week prior and that the issue is still not fixed and I did not want any changes made to my account. Today XXXX I received an email that the income driven request was approved and was provided my new payment information. After logging into my account I found that my repayment terms were in fact changed all without my permission. The lady apologized and says she would fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: The Best Service Co.,Inc
State: NM
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: Problem with personal statement of dispute

Complaint:
XXXX  is reporting that I am affected by any natural or declared disaster. I have asked that this statement be removed from my account. 

I have asked for my own personal statement be added to the credit report XXXX  has refused. 

I have asked XXXX  for the documentation of investigations into disputed accounts reported. XXXX has refused. I have not received any information or documentation on how disputes were conducted and how the results were determined. 

I am not and have not asked for a reinvestigation or investigation of any kind on any account in the credit report by XXXX. This is an ongoing and continuous refusal of XXXX  to provide requested information and add personal statement. 

XXXX The Best Service company is wrong for reporting affected by natual disaster- I have contested this account on credit report for over 3 years. I do not owe The Best Service Company or the alleged originator of the collection. This statement constitutes fraud in reporting. )

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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good Evening and how r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2020-07-08
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding inter time frame and their investigation results they have not abided by these laws.

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 2018-04-19
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
A company named Common Wealth finance has put the same charge entry as new 12 separate times at the same time with a date of XXXX XXXX, XXXX on all three of my credit report recently. When all of those medical charges are old and should have been charged off 5 years ago with them possibly dropping off within the next two years. Now if they stay on there they won't come off until XXXX which will keep me from buying a home or a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Remitly, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent money through the Remitly app. And it was the wrong person. I called Remitly and filed a complaint. Remitlys customer service stated there was nothing they could do since the money had been deposited to the wrong persons account. I feel discouraged with Remitly since it seems they are not trying to do anything to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion credit reporting bureau has not removed " XXXX XXXX '' account from my credit report after I provided evidence to TransUnion that " XXXX XXXX '' can not provide proof of contract between I and " XXXX XXXX  '' for the collections account in question.

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 2018-04-19
Company: SYNCHRONY FINANCIAL
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Santander Consumer USA Holdings 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:
Santander sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency gettogether and research the information once one disputes. Santander claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00}  and the account as closed. Santander claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. Santander claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because Ihave tried to rectify this erroneous account with Santander several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 tried resolving this issue with XXXX and TransUnion to consistently receive the same frivolous response. I have also contacted the creditor ( s ) : XXXX XXXX and XXXX XXXX of these fraudulent accounts that reflect my credit report. I have not received any response from either company.

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 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/2018, I sent {$300.00} to an individual via XXXX for concert tickets. The concert tickets were never delivered to me. The person I sent the money to did not respond to any of my messages after the money was sent. I have a Bank of America account. After looking into my options online, this is my first recourse. I have never been scammed like this before, and I feel really dumb. {$300.00} may not be a lot to Bank of America or  a company like XXXX, but it is a lot 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