BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
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:
In XX/XX/XXXX I financed a vehicle with The XXXX XXXX XXXX XXXX, terms 75 months. XX/XX/XXXX, I received a congratulations letter advising me that in 90 days from this date my loan will reach maturity, and to please accept that letter as a notice of important lean ending information. 90 days from XX/XX/XXXX would be XX/XX/XXXX. I paid my payments, received my title, and assumed all was well. 

In XX/XX/XXXX I learned my Identity had been stolen, I began the process of rectifying this. In review of my credit reports, I came to realize that The XXXX XXXX XXXX XXXX ( XXXX XXXX ) had reported 30 & 60 days past due for XXXX & XX/XX/XXXX, but I paid my loan of in XXXX, as per all my statements and my congratulations letter! 
I immediately filed a dispute with the credit bureaus & contacted XXXX. 
On XX/XX/XXXX at XXXX, I spoke to Customer Service Supervisor, XXXX XXXX who advised me to send him an email with my payoff letter, and a copy of my credit report to show how it is being reported, as it was not that way on his end. ( I paid the car off in XXXX, a year prior to this conversation ) On XX/XX/XXXX, XXXX, XXXX XXXX responded via email, advising me he would be reversing the credit Hit for XXXX & XX/XX/XXXX, and to allow two credit cycles for the change to take effect. As of this date, the only other month that was reporting 30 days past due was XX/XX/XXXX, which is legit. During the life of the loan I hit 1 hardship, and requested the XX/XX/XXXX payment be placed in the rears, I paid the interest only. I have attached a copy of my credit report before the dispute & after the dispute. 
On XX/XX/XXXX, I received a notice from XXXX that my credit score decreased due to XXXX   reporting. XXXX XXXX did correct there reporting error for XXXX & XXXX of XXXX, but for whatever reason added 5 NEW 30 days past due. This is absolutely false, and I have been battling XXXX & the Credit Bureaus since. I reached out to XXXX XXXX via email to ask why he did this, and he claims he did not, he requested I send him a copy of my report again, stating Not sure what could have happened. 
I have sent countless disputes, & letters to XXXX & the credit Bureaus, providing copies of how it was reported before I did the dispute & after, but nothing ever changes. 
THIS IS JUST A LIE, I would have been better off not disputing the pay off. 
I satisfied my loan in XXXX, just as I was supposed to. XXXX reported incorrectly in the end. It took me 1 year to realize the error, and requested this reporting error be corrected in XXXX, 1 year after loan was closed. 
XXXX  corrected their XXXX error, in XX/XX/XXXX. However, they decided to falsely report " new '' late payments from XXXX & XXXX, THAT WERE NEVER REPORTED BEFORE. This is really hurting my credit, & enabling me to get credit extended for my new business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2018-02-23
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through Santander Consumer USA. This was written off in XXXX and and should have been removed from my credit report in XXXX. At that time XXXX purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: HI
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 an inaccuracy on reports from all three CRA 's. I was able to file disputes with XXXX and XXXX without issue, when I attempted to file my dispute with Equifax they asked that I contact them via telephone to proceed. 

On first contact with Equifax XX/XX/2019 I was told their systems were down and to contact back in 30 minutes. Second contact I was told they could not hear me and disconnected the call. Third contact I was finally able to speak to someone, and they were able to pull my profile but refused to allow me to make a dispute without faxing or mailing two ID scans. My problem with this is Equifax on the same day issued my Credit Report to me with the same information via XXXX, yet were denying my right to dispute this information. I offered to provide the documents via the internet ( a communication channel they deem acceptable for themselves and third parties, but supposedly not okay for me to use ) and they refused. I spoke with this agents supervisor, and then sat on hold for 50 minutes to speak to the supervisors manager. ( Manager name XXXX, Agent ID # XXXX ). XXXX was unable to answer why the information provided was sufficient to issue a credit report, but insufficient to file a dispute. XXXX was also unable or unwilling to accept my documents on an accessible communication channel. 

I demand my right to dispute this inaccuracy be provided, as both other CRAs did without legal intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. 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 2018-03-15
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone has used my information and pulled hard inquiry on XX/XX/2018 without my permission.. 
I want my hard inquiry to be removed immediately..

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 2018-03-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
All my hard inquiries on my credit report with no permission from me .i tried to dispute all of them and the results was all my hard inquiries was closed but, still appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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:
I am asking for clarification on the Fair Credit Billing Act and why Discover believes it is immune from this law. 

Per Section 161 ( 3 ) ( B ), the creditor shall complete a dispute request no later than " two complete billing cycles. '' I filed two disputes for charges related to non-received merchandise on XX/XX/18. Since then, two full billing cycles have passed, but there is no resolution on the matter. 

Discover 's current/most recent " Bill of Rights '' does not address the " two billing cycles '' mandate in regards to dispute resolution : https : //www.discover.com/credit-cards/help-center/assets/BillingRights.pdf Per the FTC 's website : https : //www.consumer.ftc.gov/XXXX " Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent numerous of letters with questionable accounts on my credit report and have not received a response in a timely manner.

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 2021-09-21
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AmSher Collection Services has reported a collection account to my credit profile. They are reporting that I lived at XXXX XXXX XXXX XXXX, NC and have a delinquent account with XXXX XXXX for {$70.00}. My correct address is XXXX XXXX XXXX XXXX, NC. I have provided AmSher with a copy of my lease agreement and a statement from XXXX XXXX for my correct account that both prove my correct address. I have requested multiple disputes with AmSher but they refuse to delete the erroneous account. Most recently, I sent a request for account validation which was ignored by their company. Instead of responding to my request, I received instructions to claim identity theft. Their request for me to claim identity theft would be both immoral and fraudulent and I refuse to complete the documents they requested. I am not a victim of identity theft, I am a victim of a debt collection agency refusing to correct inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
SYNDICATED OFFICE SY XXXX XXXX XXXX XXXX.XXXX # XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX Violation of HIPPA ( This business is not a business associate listed with the state of Florida Dept. of State with XXXX XXXX XXXX. 

Business associate functions and activities include claims processing or administration ; data analysis, processing or administration ; utilization review ; quality assurance ; billing ; benefit management ; practice management ; and repricing. Business associate services are : legal ; actuarial ; accounting ; consulting ; data aggregation ; management ; administrative ; accreditation ; and financial. See the definition of business associate at 45 CFR 160.103. 1. I have no accounts with this company and the address and information related to this account does not match my personal information. Also, this company is not XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 


2. This company has two different addresses of which the above address is not registered in Florida to do business as XXXX XXXX XXXX XXXX. Detail by Entity Name on The Florida Department of State ( XXXX ) as a Foreign Limited Liability Company. 

XXXX XXXX XXXX, XXXX Filing Information Document Number XXXX FEI/EIN Number XXXX Principal Address XXXX XXXX XXXX XXXX, TX  XXXX Changed : XX/XX/XXXX Mailing Address XXXX XXXX XXXX XXXX, TX   XXXX Changed : XX/XX/XXXX Registered Agent Name & Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX Authorized Person ( s ) Detail Name & Address Title Sole Manager XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. This debr does not match my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
GM Financial currently has payments over 30 days late during XX/XX/2018 reporting on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: LD Holdings Group, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2018 me and my wife realized our dream of owning a house. We utilized our VA loan both being Veterans. Loandepot.com was what our realestate agent used to procure our loan. However if I would have known I was going to be subsequently harassed with refinance offers from business such as XXXX XXXX XXXX stating that I have some hidden benefit that I am not using. This is a total lie they are trying to get us to refinance which is going upside down on a mortgage payment. I have contacted them numerous times to stop sending me these ads. I feel bad because they are likely to get someone less educated tricking them into financial destitution. This is not right. They should not be allowed to prey on homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had fallen behind on my payments with Nordstrom who is partnered with XXXX XXXX for these types of situations. I set up a payment plan in XX/XX/2019 to defer from my account being charged off, no late fees and being reported as paying on time monthly.The payments of {$100.00} would be charged for 3 months, I would NOT receive late fees, and my credit report will be reporting that I am paying ON TIME. However, that is not the case. I had contacted them in late XXXX  about this situation as I kept seeing additional charges and my credit is still being effected. I asked for the call to be pulled and it was. I followed up on XX/XX/XXXX at XXXX XXXX and spoke to a manager from the collection agency who informed me that she needs to confer with the other managers and call me back. She never called me back so I called again on XX/XX/XXXX at XXXX and spoke to another manager at the collection agency about the pulled call. She informed me that I was correct about the agent informing me NO late fees will incur and about it being reported to the credit bureaus as ON TIME. Yet, she said no changes will be made until after the 3rd payment which I advised her already happened. She told me to just be patient, which is not okay. 
I later received a letter that I have another payment coming out in XX/XX/XXXX for {$100.00} which would make it 5 payments NOT 3. It is illegal to continuously incorrectly bill me and report incorrect information to the credit bureaus since XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Discrepancy between agreed upon promotion and what I received. I requested my original contract and was told that they did not have a contract on file for the said card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
A few months ago, Citgo / Synchrony changed their complete credit card system including the rewards that are offered. They now say that it takes 2 to 3 billing cycles to reflect the rewards that should be applied. On my statement of XX/XX/XXXX, my rewards were shown for my purchases during the month of XXXX and I was not given my rewards of previous months. Now in my XX/XX/XXXX statement there are no rewards credited to my account for XXXX ; nor for any previous months. I am owed many credits for previous months purchases as well as current. If XXXX 's statement showed my credits, my should statements since XXXX and going forward not reflect applied credits. Citgo / Synchrony is transacting fraudulent practices. 
I have contacted them recently and once before about missing rewards and nothing is done.

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 2020-06-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX -- -- XXXX  30 DAY LATE COMPANY FAILED TO VALIDATE DEBT, IGNORED IT. IN VIOLATION OF 609.

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