BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: MI
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:
EXPERIAN is reporting XXXX XXXX  account XXXX. I was not primary borrower on account. I provided evidence of primary borrower filing bankruptcy. Experian ignores my request to delete.

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 2022-08-06
Company: EQUIFAX, INC.
State: OH
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:
Hard inquiries on credit file from creditors I never applied for credit with Disputed them and got a refusal to remove due to being a factual part of my credit file these inquiries have accumulated due to someone applying for credit using my information without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Banks website malfunction cause my checks to be sent into a wrong bank.

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 2017-09-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When the equifax security breach was made public, I logged into their website and requested the credit protection they were offering, not knowing that I was giving up my rights to take legal action. When I signed in, it indicated that I was at risk. I would like to rescind my agreement to the credit protection so that I have the right to take action if necessary.The Equifax website makes it almost impossible to submit a request such as this. With all of the inquiries to Equifax, their wait times are horrible. I have since frozen my credit reports for all 3 agencies. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: SYNCHRONY FINANCIAL
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:
This dispute is against Synchrony Bank/Amazon. On XXXX XXXX XXXX, my account was charged {$12.00} by Amazon Digital XXXX, Wa. XXXX, reference no. XXXX, Which I never make that purchase. You can check my Amazon purchase history. I found the charge on my account and called in on XXXX XXXX to Amazon store card Synchrony Bank to dispute. But instead of dispute the charge they add another fee of {$13.00} to my account. So on XX/XX/XXXX, they just simply closed my account. I was told by them that I can't dispute nor make payments cause the account was closed, and told me not to worry it'll not affect my credit. I recently ordered my credit report and found out that I have a serious negative charge with Synchrony Bank/Amazon about this incident. And Synchrony Bank has been reporting this incident since beginning and until now. I was very angry at Synchrony Bank, they abused my account. The last phone call I made on XXXX XXXX XXXX, I spoke to the bank manager named XXXX XXXX, and he apologized to me, saying he'll refer this case to their credit dispute department. At this point, I refuse any excuses. I need the bank action on correcting my account, and write the letters to three Credit Bureaus to take off this wrong record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was never properly informed of any liens or judgement until XXXX/XXXX/XXXX. I filed bankruptcy in XXXX with knowledge that all debts were XXXX. As of XXXX/XXXX/XXXX XXXX XXXX I received a call as well as an email directly from Bank Of Hawaii ( lienor ) asking for payment and they are not willing to settle. Bank Of Hawaii collection department representative XXXX XXXX emailed me judgement papers to show me a break down of the initial payoff, as, well as, made me aware that interest and per diem will be charged continuously until debt is satisfied. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX sent a payoff request thru email. After speaking to our attorney I was made aware that all debts should have been discharged and it is in violation for the debtor to request payment. I am aware that a motion can be filed to resolve this matter. I will take legal actions if necessary. Prior to discovering this situation I was never made aware of this debt. Had I been properly made aware in XXXX, I would have attempted to take care of this matter. I was never properly informed, I had no knowledge of a per diem fee, as well as, interested being added daily since XXXX till current. This matter was brought to my attention thru Escrow. After cleaning up my credit and trying to make an attempt to purchase my first home for my family of XXXX, this situation has stolen my opportunity to move forward in providing a stable home for my family. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2018-02-28
Company: Experian Information Solutions Inc.
State: DE
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:
There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/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 2019-02-20
Company: JTM Capital Management, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was contacted by a representative from XXXX XXXX and was informed that they were collecting a debt. First they called my work number, when I advised I could not receive calls at work, the representative advised me he would note that in my file, yet if they took legal action they would be able to call my place of employment. When speaking about re-payment options the representative then informed me that if I did not submit payment in the current month we were in that I would be sued and my wages garnished. The threat of legal action was used to harass me and threaten me into making a payment on there terms during the call. I have never received initial notification of this company taking over the collection of the amount owed for the account. I spoke to my wife, and she then called to speak to the account representative that had called me earlier, she asked the agent who contacted me if the account was in standard collection or legal collections. The representative adamantly confirmed that there were not any legal actions taken currently, even though he had just threatened to garnish my wages on the prior call. My wife asked if they had purchased the debt or if they were collecting on behalf of the original creditor, in which she was informed the company was collecting on behalf of the pay day loan company. My wife asked for validation of the debt to verify that they did have the right to collect the amount owed. Even though I do not deny that I owe this account, the representative did not advise myself or my wife of the legal disclosures that the calls were recorded and that they were a debt collector. This along with the abusive and harassing threats of legal actions to make me set a payment agreement that I was not comfortable to make nor could commit to paying without placing myself or my family in finiacial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX -XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX-XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXX XXXXXXXX/XXXX XXXXXXXX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NV
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 Account # XXXX ( XXXX XXXX ), has 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 an account without my written instructions.

The following Account ( s ) : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. 
Balance : {$12.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America withholding substantial funds that are not owed to them and belong to me. 
Sent letter in XX/XX/2019 that they returned the funds but I do not have 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 monetary relief
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
There is a fraudulent activity on my Experian credit report. I'm unable to dispute it because Experian website is not allowing me to log in and their phone number does not provide human service or any automated way of disputing.

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 2020-05-19
Company: Experian Information Solutions Inc.
State: WI
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 disputed the account XXXX XXXX XXXX with XXXX , Experian and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$220.00} ) with XXXX , Experian and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$150.00} ) with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$250.00} ) with XXXX , Experian and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$720.00} ) with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However XXXX, Experian and XXXX  have it marked as late, charged off with a blance. 

I disputed the account XXXX with XXXX, Experian and XXXX  and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, Experian and XXXX  have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However XXXX, Experian and XXXX  have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist

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 2018-09-19
Company: Navient Solutions, LLC.
State: CO
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:
On Friday, XX/XX/XXXX I called Navient and reported my financial situation in that I didnt have the money to pay since recently moving to a new state. The representative transferred me to a supposed account manager ( although the agent never identified himself as such ) and the representive/manager said there was nothing I could do accept pay the loan or risk default. He said I was ineligible for any relief or reduction in payment or interest rate. 
I requested that my auto debit withdrawal be canceled through processing the request online on Thursday, XX/XX/XXXX and was told that it was successfully canceled. However on Monday, XX/XX/XXXX Navient withdrew {$330.00} from my checking account resulting in almost {$300.00} over draft and a {$22.00} penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit was n't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, there interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase to our loan, which should be decreased as we make our payments that even thou our loan is due the XXXX of every month because they receive it from our bank on the XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until i saw this on our credit report, so i called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape XXXX XX/XX/XXXXmiles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there is no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I ca n't believe we are not the only ones Massachusetts and Delaware just won a huge settlement against them there are people here in Florida posting online begging for help and do n't know who to go to, please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.

Company response to consumer: Closed with explanation