BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/20, I completed a transaction on the XXXX XXXX. This transaction was completed on there platform, where I was invoiced by seller, paid via their platform via PayPal. The item was not shipped out and the seller has refused to cooperate. I have contacted both PayPal and XXXX, neither are able to assist, claiming the payment type ( P2P ) is not covered under protection. There is an issue with this, the platform only has one way to pay, which is set up via XXXX and PayPal, so why is their integration constructed in a way which will not protect transactions for the consumer? I was invoiced, paid, and expected to recieve goods via the platform. Where is my protection by either PayPal or XXXX in this? I have also contacted XXXX to file a dispute, as I am currently out of {$520.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
First issue is that my loans were placed into forbearance without any explanation. I received an email/app statement on XX/XX/XXXX with a due date of XX/XX/XXXX. My loans have been in repayment status since early XXXX. I checked my account as of XX/XX/XXXX and my account was still in repayment status. I then checked the app on XX/XX/XXXX to confirm that my auto debit was set up properly but my repayment status was now showing as in forbearance and I no longer have a due date or payment amount. As someone working in public service and taking part in the XXXX program, I do not want to be in forbearance. I received no notification from MOHELA as to why my loans were moved from repayment status to forbearance and I never requested this. 

Second issue is that my Statement for XXXX was provided by email/app messages on XX/XX/XXXX but MOHELA backdated XXXX to XX/XX/XXXX on the statement itself, not sure why but seems like shady practices to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Harris & Harris, Ltd.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Good Morning, I have a very strange and particular problem which I have found no answers in a XXXX search. I will try to make it as short as possible. 

in XXXX got pulled in XXXX XXXX where I live. Forgot my purse and was ticketed and XXXX XXXX XXXX for Expired Drivers License and No prof of Insurance. Went to court and began to pay fines per month. Here is where the disaster begins. Lost my job and could not make a payment, ticket went to XXXX  and cost me an extra XXXX. After that the city of XXXX XXXX refers the fines to a collection agency Called Harris and Harris in XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX. Got back on track and began to make payments to Harris & Harris.. My fines were approx. 2,400.00 when it all began. Basically, 2 parking tickets, the Driving expired license, and No prof of insurance. 

Paid XXXX per month to Harris from XXXX to XXXX or XXXX. In XXXX a medical issues set me back and I called Harris & Harris to ask for a day delay in payment. I was told absolutely NOT. If they were not paid they Contact the court and have another XXXX  issued for failure to pay fines, which it totally understandable. 

Imagine my surprise when I received my tax refund and called the Courts to find out my balance. I was informed by the court that they have NOT received a payment on the Driving on the expired license, no proof of insurance SINCE XXXX. I have paid Harris and Harris over XXXX towards XXXX in total fines. They now say I currently own something like {$1600.00} on the expired license and XXXX on the no proof of insurance. The numbers from the Court show XXXX / XXXX total due. 

Harris & Harris had my birth date incorrect, my address wrong and does not have all the payments I have made. THey have not contacted the court, they took my money failed to pay correctly which ended up in a XXXX. They should be responsible for the extra charges inccured for payment I made to them, they just didnt pay the court. 

The level of stupidity is amazing, this is not my credit card but a court fine and my FREEDOM, I asked them to contact the court and for a full accounting two weeks ago and I have received NOTHING. The currently is a XXXX  fee, of XXXX for not making a payment when I have. 
What can be done here? I think at the very least my XXXX  fees incured because of failure, incompatence and or abject stupidity on behalf of Harris and Harris should be returned to me fourthwith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Post Lake Lending Inc.
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I attempted to call the number they provided to pay my loan early and the options they give you in the phone prompts hang up in you instead of allowing you to talk to anyone or make a payment. Forcing me to stay in a longer term for the loan and fraudulently force me to pay more interest on the loan. Every prompt option hangs up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Kinum, Inc., Indianapolis, IN Branch
State: VA
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: AMERISAVE MORTGAGE CORPORATION
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:
The company Amerisave Mortgage Corporation ran a credit inquiry without my consent. I spoke to a representative over the phone and I made it clear I didnt want my credit ran until my wife and I made a decision. However they wrongfully ran my credit and continued to harass me with multiple phone calls, emails, etc. 

Super unprofessional, and completely wrong. 

They sent a notice about an application even though that application was never completed and we ended the phone call prior to going forward with doing a credit pull.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, TransUnion has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX : XXXX  I believe it was reporting in error.

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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted an application online with XXXX XXXX onXX/XX/19. I was approved for the Card. However, I never recieved the card due to XXXX closing my account. I contacted XXXX on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for XXXX card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER XXXX CARD.

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 2022-02-09
Company: EQUIFAX, INC.
State: IL
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:
All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( XXXX ) ( Equifax, XXXX, and XXXX ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( XXXX ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  carrier services, Fair Credit Reporting Act, Section 609 Letters to the company ( XXXX ) Equifax, XXXX, and XXXX. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have reason to believe that Synchrony Financial is attempting to use dishonest, fraudulent tactics to extract late fees from customers. On XX/XX/XXXX, I applied for and was granted an XXXX XXXX   Credit Card backed by Synchrony Financial. On XX/XX/XXXX, I still had not received any form of card, bill, or statement from the company. I attempted to go online to access the account, but they require an account number. Since I had never received a bill, card, or statement, I did not have the account number. I tried to use their telephone system, and it also required an account number. I was then able to get a representative on the line, and he verified my ID with my mailing address and social security number. When I asked for the account number so that I could submit a payment, he said that the law forbade him from giving the number over the phone. I then asked to speak with a supervisor, and they placed me on hold for over 30 minutes before disconnecting me. I am trying to make a good faith effort to pay my bill, and Synchrony is actively preventing me from accessing my account to do, which will lead to late fees and interest charges.

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 2023-08-08
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. 

Account : Santander Consumer USA Late Payment : XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-09-16
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts 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 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 explanation
Consumer complaint received 2023-03-02
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/28 the vehicle was repossessed from my home. I woke up to go to work at XXXX and noticed my vehicle was not there. I was told by an agent at the bank that after paying 2 payments a few days prior to get the loan caught up due to financial hardship that I could pay the remaining payment the following week. After making the payments the lender still hired a 3rd party debt collector tow company to repossess the vehicle. I called the bank and informed them of our agreement and they said it is out of there hands and they would do nothing unless I paid the entire amount. Due to this unlawful repossession I was unable to attend work that day and had to take off the next day to pick up my belongings from the vehicle. This has caused much stress and anxiety. The lender and the repo company both violated NC law. North Carolina General Statutes Section 25-2A-207. North Carolina General Statutes Section 20-77 states that : Before a vehicle can be repossessed, the debtor must be provided with written notice of the intent to repossess, which includes information about the debtor 's right to cure the default and the amount necessary to do so. 

The debtor must be given at least 10 days to cure the default. I never received a notice prior. From the lender-santander or the repo company XXXX XXXX XXXX located in North Carolina at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the lender-Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an urgent matter and the vehicle may be sold within 10 days I would like to resolve this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020 I called Chase Credit Card Analysts to request a credit limit increase where I was instructed I could make the request " online ''. Upon logging into my account and searching for instructions how. It appears I can not make the request " online '' with Chase. Screenshots will be listed below to show this. Call was made at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX SHOWING DUPLICATE ACCOUNTS WITH 2 DIFFERENT AMOUNTS, AND TWO DIFFEENT ACCOUNT NUMBERS NOT CORRECT. XXXX, IS SHOWING 120 DAYS XXXX XXXX XXXX IS SHOWING 90 DAYS, XXXX IS SHOWING 120 DAYS, XXXX IS SHOWING 120 DAYS, XX/XX/XXXX IS SHOWING120 DAYS, XXXX IS SHOWING 120 DAYS, XXXX IS SHOWING 120 DAYS,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation