BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: IL
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 was companies that are reporting on my credit report that do not belong there. 
I am a victim of identity theft.

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 2020-05-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
hey, i'll like to address an issue that has been bothering me since XXXX XXXX XXXX. I lost my card the night of XXXX XXXX and called Santander the following day of XXXX XXXX which is on record to report this incident, the transaction amount that was debited onto my account was XXXX which happened after i lost my card and was processed and posted to my account XXXX XXXX. Next i called the bank and spoke to an Representative who pretty much was incompetent and not helpful at all and filled out the wrong information on my dispute claim which led to my claim being denied, i spoke to the supervisor who submitted another claim to help fix the first claim, however, was also denied due to inconsistent details. the inconsistent details were implemented due to the first person who initially put the claim in and put the wrong details in ( i told the female information about how my week went and that it went terrible due to my car breaking in, after I told her that i did make a purchase at XXXX XXXX XXXX  on mother 's day and that i made a withdrawal Monday XXXX in the morning towards the afternoon. i did in fact lost my card that night and tried to report it lost/stolen but no one in santander call center picked up so i called the following day. All the information i provided is accurate and is presented to the best of my knowledge and now that because she put the wrong information in. Im wrongfully accused of this claim at which Santander is not trying to help me. I need my money back that I worked so hard for this past year and im late on my rent due to this inconvenience and santander doesn't care at all

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 2021-06-29
Company: ENCORE CAPITAL GROUP 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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions 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:
I have been a victim of identity theft

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 2018-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Per USAA, on XX/XX/2018 an individual was able to access my USAA.com account and added an account that they would later use to transfer funds out of my savings accounts and into it. On XX/XX/2018, my account was again accessed and {$4000.00} were transferred into my savings account from an old linked account from another financial institution ( which that account was no longer active ). USAA 's policy is to make those funds immediately available and the individual that initiated the transfer then moved them out of my savings account to the account that they added on the XXXX. On XX/XX/XXXX we received a return of funds and an insufficient funds fee when USAA realized the that there was no funds in the account where the original transfer was requested. Upon seeing that I was overdrawn on XX/XX/XXXX I contacted USAA to report that their was fraudulent activity in my account and USAA started a fraud investigation. Their response came back that there was no fraudulent activity and they claim this by stating the funds transfer was conducted by someone that was logged in under my credentials. 6 weeks later I am still battling with USAA and I am getting no help from them with regards to what I need to be able to provide to them to help plead my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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 status incorrect

Complaint:
XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD VASH, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. XXXX XXXX sent account to the collection agency XXXX XXXX XXXX XX/XX/XXXX for the amount of {$2300.00}. I tried to contact XXXX XXXX  XXXX XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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 NEED HELP GETTING THIS ISSUE RESOLVED I'VE BEEN TRYING FOR ALONG TIME AND NOT GETTING ANY SATISFACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: I.C. System, 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 don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2019-10-29
Company: BB&T CORPORATION
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: Account information incorrect

Complaint:
Branch Banking and Trust aka BBT has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. BBT admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked XXXX   to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. XXXX   also needs to be in trouble for not investigating what BBT are doing here. BBT reports false info on your credit file BEWARE!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-08-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Regarding complain no XXXX Paypal told me to release the funds on XX/XX/2021, but they haven't yet released my funds and are not giving me any update on my funds. 
I am stuck and need help from the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX misrepresented by the dealer, unaware of existing fees, services and products included, incorrect information, falsified alter documents loan agreement and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE 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:
XXXX XXXX is not properly updating credit reports for their XXXX XXXX. I have been trying to have my report updated but have not been assisted by XXXX XXXX at all. My Transunion report shows a {$630.00} balance and {$3000.00} credit limit last reported on XX/XX/XXXX ( see attached ). It should show a {$0.00} balance and a {$4500.00} credit limit, Ive attached both my XXXX and XXXX statements to show I payed my balance prior to the statement being issued and bother have a {$0.00} balance. Also heir representatives are clearly not trained to understand reporting either. The first representative I spoke with there told me that I simply needed to wait longer - even though my statement had cycled and it should have been reported already. The second employee I spoke with ID # XXXX just stated she would submit a dispute with Transunion, which makes no sense because they are the reporter and as such would just report correctly, not dispute their own information. All she could offer after was to note they needed to do a better job reporting, to whom this note would go is unknown as again, they are the reporters ( see attached ). This is unacceptable. It is now XX/XX/XXXX and I've had to enter my second dispute with Transunion ( who botched the first dispute ) to get this updated as it is still wrong, previously I had to file a complaint with XXXX for a similar issue. XXXX XXXX needs to be updating with the credit bureaus every 30 days. By not regularly updating credit reports, it harms the credit of borrowers who have paid off balances and/or had credit limits increased.

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 2020-07-07
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD VASH, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. XXXX XXXX  sent account to the collection agency XXXX XXXX XXXX XX/XX/XXXX for the amount of {$2300.00}. I tried to contact XXXX XXXX  XXXX XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Social Finance, Inc.
State: IL
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:
On XX/XX/XXXX, there were two inquiries on my account. One was from XXXX and the other SoFi Lending Corp . Someone tried to open two credit cards in my name. XXXX denied the card and sent me a letter and upon calling them immediately removed the information from my credit report. SoFi Lending Corp - did not have my correct address ( I've lived here XXXX years ) and opened an account in my name anyway. Upon calling them they froze the account. I filed a police report. SoFi reported to XXXX that the information is accurate. This is the information on the XXXX website. The information is not accurate as two addresses were provided - XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. both in XXXX, Illinois. Again, I have NEVER lived at either of these addresses so the information is NOT accurate. Someone opened a card in my name. I want it removed. Additionally, when I called and spoke to XXXX XXXX, an investigator at SoFi Lending Corp, she sent me a letter overnight saying my " loan ''. There was no loan opened only a credit card. This company does not seem legitimate and she refuses to call me back anymore. Her direct number is XXXX. This is a shady company. They lied to XXXX. I opened a new dispute with XXXX. I mailed copies of both the police report and the SoFi letter because for some reason the XXXX website would not let me upload the documents so I mailed them via USPS mail. I need this removed. This was issued under false pretenses. I will call these people every day and hound them until the day they remove this. 

SOFI XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a line of credit with Paypal Credit ( Synchrony Bank ) that was closed because it became in arrears. I steadily made payments until finally paying off what was then reported as the full and final balance on XX/XX/19, {$420.00}. I then received a bill on XX/XX/19 of {$100.00} for " late charges and purchases. '' I'd previously attempted multiple times ( it's paypal so my bank account information is/was directly on the account ) to set up automatic payments ; the website always claimed " error '' and never allowed me to set them up. I paid the full amount that was being asked ( including multiple " late fees '' ), and got another bill anyway. 

I refuse to pay it. And because I refuse to pay it, the company will continue adding " late fees '' of at least {$38.00} ( as you can see from the bill I received, the late fee is closer to $ 70-100 per billing cycle ). My payments are always posted late. The account is closed. I don't see why I am obligated to continue to pay this company on a paid, closed account they are clearly no longer servicing.

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 2021-06-28
Company: JPMORGAN CHASE & CO.
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: Information is missing that should be on the report

Complaint:
please add missing from report : fcra violations XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/AMAZON PLCC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: AES/PHEAA
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original FedLoan account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
One Main Financial is a predatory lender. I took out a loan with them a couple years ago and fell behind on payments. Eventually they were able to rewrite the loan so I was no longer behind but they never told me that my principal and interest payments were changing. They are charging me over 90 % in interest. I pay XXXX per month and XXXX is going towards principle. There is no way this loan can be paid off within the terms that I signed the contract. They never disclosed to me the interest rate would jump up to 90 % if the loan fell behind due to me being unemployed. These are dishonest and deceptive practices and One Main needs to fix my loan so that I am able to pay this off in a reasonable amount of time. This is not right and they refuse to fix this issue. They lied to me and now are trying to go after me for not paying my loan but they are robbing me on interest. This loan should be paid off in the time frame agreed and the principle and interest needs to be fixed. They never told me or disclosed this interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED 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 2020-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. Experian and XXXX have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with Experian and XXXX but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. Experian and XXXX XXXX are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. The Credit bureaus are in complete violation of Fair Credit Reporting Act.

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