BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called SW Credit Systems LP regarding this dept from XX/XX/XXXX. The representative for SW Credit Systems explained this debt was generated in XX/XX/XXXX - then passed along to them. Therefore, this was placed in collections by XXXX in XX/XX/XXXX - 2 years and 7 months later. 

I had no idea this debt was lingering for this amount. Therefore, XXXX DID NOT alert me to this - then I moved/divorced my husband so no other notice was forwarded. The equipment was returned promptly as when he began his service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
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 my rights as of XX/XX/2021 & have evidence. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are some creditors on my credit report that are not mine, or don't recognize. Additionally, there are addresses reported that do not belong to me. Please remove them 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 2019-05-02
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm having a problem with Huntington Bank I called in and updated my address for my new car to be shipped and this is my second time updating my address they never sent my card to the first address that I have one file which is my mailing address so by me not getting the card I called in again and gave him my current address or I just moved that they shipped my card and when I try to activate my card they told me there was a hold placed on my account so I called in and spoke to a supervisor the supervisor told me he see the problem with my account and the problem came from an employee at Huntington Bank where there was a hold placed on my account by one of Huntington Bank employees not putting the notes in the computer they are asking me to fly back to Kentucky just to walk in the branch to show me a photo of my ID to get my account back and I just spoke to them letting them know that I just had a XXXX child and that I can't make it back to Kentucky at the moment so everyone I'm speaking to his being very disrespectful the calls are recorded and I don't feel like I should be going through this XXXX because of a error made by the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX I was sick with XXXX XXXX for majority of XX/XX/XXXX I was late on one payment to Ally Bank because of it. I called to see if they could remove the ding from my credit they have yet to say why. Just that they are leaving it there. At the time I was XXXX XXXX at a local XXXX XXXX and was only getting paid per XXXX. Any timeframe outside of that was strictly not paid. I was sick for about two months which lead to me not being able to make the payment. I have not been late since headed into 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 non-monetary relief
Consumer complaint received 2017-07-27
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, XXXX sold my student loans to XXXX ( a Nelnet company ), who have shown themselves to be ill equipped to service loans from Day 1. While we have managed to work through the various errors that were made in processing my payments, one remains after several months of phone calls and emails.
XXXX has been reporting my account information as though the full amount that was transferred from XXXX was 100 % principal and no interest, with interest accruing from the day of the transfer. Given that these are nearly 15 year old loans, clearly this is not the case. I contacted XXXX soon after I received my statement of interest for XXXX taxes in XX/XX/XXXX. They were not able to resolve the issue, but assured me that they would work on it.
When I called to follow up, not only did I find that there had been no progress, but had difficulty explaining to two different customer service representatives that a 15 year old loan with 3 % interest would have more interest outstanding that what their statements showed.
Finally on XX/XX/XXXX, I emailed XXXX my final statement from XXXX which shows principal and interest balances. While they agreed that the amounts were correct, I was told they would need payment history from XXXX. In response to my inquiry on XX/XX/XXXX, XXXX asked for another 30 days. I have called XXXX to facilitate. XXXX XXXX response was that all necessary information had been passed on to XXXX at the time of the transfer and that they no longer have the information available.
At the pace things are moving, I am concerned that the necessary adjustments will not even by made in time for the XXXX tax season, one year after the transfer, and several hours spent writing emails and waiting on hold.
It is difficult for me to understand how a company as incompetent as XXXX is allowed to operate and how XXXX was allowed to sell these loans to such a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Fraudulent activity on my account in XXXX of XXXX. 

I notified my bank and started a claim ( Claim XXXX ) Bank of America froze / canceled my debit card, took them a month to send me a new card due to some issue in their system, which is another source of frustration from this process. 

The total charges that I was able to identify as purchases I did not make only totaled slightly over {$100.00} before it was caught and my account was frozen. So the issue was more so that someone else was charging my account rather than the dollar amount. 

Bank of America issued me credit back for these charges and aside from several phone calls to resolve why I had n't received my card I did n't have any reason to follow up on the fraudulent charges, I figured the bank was doing this. 

XXXX XXXX, XXXX the charges were placed back on my account by bank of america stating that they did not match fraud patterns? 

I know for a fact that I was not in the various cities these charges took place in ( over an extended period of time, so no chance of charges being mislabeled due to any delay posting to my account ) Additionally, there were several charges from a laundry mat. I have never even been into a laundry mat in my entire life. 

I spent a total of 2 and a half hours on the phone today ( XXXX/XXXX/XXXX ) trying to even get in touch with the bank and a possible resolution. The bank appears to be intentionally red taping the situation by asking for unrealistic and uncessary documentation. 

Bank of America has stated that I would have to fax in a statement. I told them I do n't have a fax machine and asked if there was any other way to have them re visit my claim since I 'm 100 % positive those charges where not mine and they told me no, so I 'm reaching out to the CFPB as I do n't feel this was properly handled let alone resolved.

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 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have been disputing the late payments showing on my account for Capital One Bank USA N which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Thefollowingcompaniesranunauthorizedcreditreportonme..Ineverauthorizedsuchinquiry..Ihavenevergivenpermissionforthemtoinquiremycreditstatus..DeleteinquiriesdonebyXXXXXXXXXXXXXXXXXXXX,ON-SITEMANAGER

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 2018-01-04
Company: Experian Information Solutions 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:
All three credit bureaus ( XXXX, EXPERIAN, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late

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 2022-01-20
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity fraud. 
My personal information was stolen and the address associated with this account does not belong to me. 

A dispute was filed with the creditor. 
They stated that the debt was not mine. 

The fraudulent transaction was not used from my residence. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is not my address Please remove this creditor from my report ACCOUNT MANAGEMENT SERVICES {$1100.00} This debt is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a text message at XXXX XXXX. on XX/XX/20. I was working so I did not open it until XXXX XXXX. I see it says transfers completed. I immediately log into my chime app because I had not made any transfers! I go and see they drained my account through their transfer method they use pay my friends I have never ever used that and it was transferred to a XXXX XXXX The first one was {$240.00} and the other was {$50.00}. They left me with {$.00} I find it very odd they knew exactly how much was in my account and what to take out. I called them immediately and they basically told me they cant do anything. They took my money ... had it transferred through there app.. and they cant close this other person who banks with chimes account and get me MY money back. I am so upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/XXXX, I received an alert from Experian, stating that a new account was posted to my credit report, with a COLLECTION status. The collection agency name is Diversified Consultant, I`ve never heard of this company, nor do I OWE them any money. The post stated that I owe them {$300.00} for account # XXXX, a XXXX XXXX account, which supposed to have been opened in XX/XX/XXXX. I did not have a XXXX XXXX account in XXXX or any previous months. Apparently, this is an account which was recently sold by XXXX XXXX XXXX, of which I disputed on XX/XX/XXXX,  thru your agency and was removed /closed on XX/XX/XXXX. And furthermore, I was never given any notice of delinquency by this company. ALSO DIVERSIFIED CONSULTANT HAVE NOT VALIDATED THIS ACCOUNT, BEARING MY SIGNATURE AS REQUIRED BY THE FDCPA CODE SECTION 807-8. I DIDN`T HAVE ANY NOTIFICATION PRIOR TO THE ALERT FROM EXPERIAN, TODAY., WHICH IS ALSO A VIOLATION OF THE FDCPA AND FCRA. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY NOR HAVE I SIGNED ANY CONTRACT WITH THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

U.S. DEPT OF ED - DIRECT and Chapter XXXX Bankruptcy : Bankruptcy

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 2019-09-24
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AWA COLLECTIONS representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit. The account number is XXXX and the Amount is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a bill stating that I owe   XXXX   XXXX   XXXX  . I have NEVER had that insurance. I have been with one insurance company since 2000 and it is not  XXXX .
When checking CCS ( Credit Collection Services ) online, I have found that this is a common scam they have been doing for years.
I do not want to contact this company in fear that they might get my home phone or work phone and harass me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2017 I contacted the my doctor office about any unpaid balance. According to my doctor office I do not owe any balance, all of my bills were cover by my insurance. So, I am not sure what debt I owe?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: HI
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contesting the account with SYNCB/WALMART. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 136 % usage. I need XXXX and SYNCB/WALMART. to correct this account on my XXXX report. I should not oweSYNCB/WALMART. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.

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 2022-01-20
Company: Risecredit, LLC
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:
Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : RISE XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company response to consumer: Closed with explanation