BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am completely debt free. These calls are unwanted spam. It happens daily. Most often, they hang up right after I respond. I have called back and searched for the phone number on my browser to find the people responsible. I have blocked many numbers but still they call from another number. 
The perpetrators are : The Northstar Companies XXXX XXXX XXXX XXXX, NY XXXX p : XXXX / XXXX f : XXXX Im frustrated and tired of being harassed. This has to stop. Its unfathomable that in the year 2020, businesses are still permitted to operate this way. Shut these XXXX XXXX down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On ( XX/XX/XXXX ) I received a text notification from what appeared to be Bank of America notifying me of a {$3500.00} fraudulent XXXX transfer and asking if it was authorized. I replied with " No '' and received a call from Bank of America 's fraud protection number. Where I was unknowingly coerced into transferring {$3500.00}. I was told I was transferring the money back to my account. Later the same day I called the same Bank of America fraud number and I was actually told by an associate that what happened was legitimate and that the money being transferred back into my account was pending. 

I also received another call on ( XX/XX/XXXX ) saying the initial claims code for the {$3500.00} transfer had expired and I needed to go through the steps again, which I did and then unknowingly transferred another {$3500.00}. Thus being scammed out of {$7000.00} total from my checking account through 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 monetary relief
Consumer complaint received 2023-04-16
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
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: Information belongs to someone else

Complaint:
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and Columbus Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-04-16
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Also address and my name is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act XXXX account : XXXX XXXX has violated my rights. 

15. U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. Section 604 a, Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2018-05-10
Company: Phillips & Cohen Associates, Ltd.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from this company demanding that I pay them. To my knowledge I have never done business with company nor have they provided goods and or services to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed it with a promotion of 24 months with 0 % APR XXXX XXXX XXXX. In my XXXX statement from Synchrony, I tried to locate the terms as advertised and I was not able to locate them on the statement. I looked in the online account information and it said I had no promotions available. I contacted XXXX and they said that Synchrony should have sent me an email outlining the terms when the charge was placed. I checked my email for Synchrony and no such invoice detailing promotional terms was located, only the notification of the new statement with the purchase included. 
I contacted Synchrony that same day XX/XX/XXXX XXXXCST and spoke with XXXX. I stated that I wanted to confirm that my purchase was under a promotion as I had no confirmation that it was. They confirmed I was under a 24 months no interest promotion. I stated that if there some sort of internal suggestion they could make of having the promotional details clearly included and detailed on the statements and the representative quickly stated that it was printed on the statement. I asked him how it was displayed on the statement and he said there's a code in front of the purchase ( along the lines of XXXX, or similar ). I let him know there was nothing on my statement with such a code and I believe that they then actually looked at the statement and determined it not to be there as they quickly reassured me that it was under the 24 month promotion and quickly asked if there was anything else they could help with.

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 2023-09-03
Company: EQUIFAX, INC.
State: NC
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:
There is an collection account on my credit report that is being reported as negative, but I paid this collection agency in full. I have never open a account with them. They brought my debt from another company. I paid the collection the collection in full but it still reports as negative. This account has been inaccurate for almost 2 years now. There is now way to have a miss payment on an account that payments where never set up. This account shows paid in XX/XX/ 2021 but yet charged off in 2021 how is this possible. I have attached the receipt of payment from XXXX2021 Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
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 is missing that should be on the report

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-16
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: Information belongs to someone else

Complaint:
You are reporting a collection account by XXXX XXXX XXXX XXXX. I have never done any business with them nor do I have any contracts with them or given them my consent to report this. I also don't owe them any money nor do I owe XXXX XXXX  money. Please remove this asap as it's against my rights. 

Collection Agency XXXX AND XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$4600.00} Amount {$4600.00} Status Date XXXX XXXX, XXXX Status XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: OneMain Finance Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Requesting audit trail ( accounting, file, ledger and transactional history ) notarized by an accountant for consumer credit transaction that occurred on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-07-07
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account from Discover was frozen suddenly on XX/XX/XXXX. A message was displayed that I should call XXXX. However, it is impossible to resolve this issue with Discover. The phone call always (! ) drops after 3 hours and 2 minutes. In total, I have been trying to reach anyone for more than 14 hours -- unsuccessfully! Therefore, it is impossible to unfreeze the account and get access to my funds again. This Discover behavior and the impossibility to reach anyone on this phone number is widely reported on social media XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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:
Hello, Well, I believe a big mistake happened and I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2022-07-07
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Requesting the audit trail ( accounting, file, ledger and transactional history ) notarized by an accountant for the consumer credit transaction that occurred XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2017 and XX/XX/2017 credit inquiries were made without my consent. Customer service wouldnt help to remove these inquiries reporting to my credit report.

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 2018-03-03
Company: Navient Solutions, LLC.
State: PA
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:
Since graduating from school in XX/XX/2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed. 
Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Yes l applied for credit reason and was sent a denial letter based on 38- serious delinquency and public record or collection filed 10-ratio of balance bank revolving or other rev accts to high 18- numbers of account with delinquency 14- length of time accounts have been established while l don't have anything that should state that l have anything on the public record and if l do it should have been move a long time ago l tried to call to speak to a live person but are not able to get anyone as they are so fast to get you denied but can't answer the phone as the letter stated to contact them the number l been calling is XXXX the recording doesn't give you the chance to speak to a live person

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 2023-12-12
Company: EdFinancial Services
State: PA
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:
Ive been trying to set up autopay with Edfinancial to get the interest rate reduction and they keep telling me there is a glitch in their system and IT is aware of it. When I read previous complaints, people have been complaining about the same thing for the past five months. This is unfair as this sounds like they dont want to give the interest reduction

Company response to consumer: Untimely response
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 lost my wallet along with my card around XX/XX/XXXX and I informed my credit card that I had lost it, apparently the card was used to make multiple purchase of a total of : XXXX and I disputed those transactions as fraud. About a month later I receive a letter that I am responsible for the charges because the transactions are something about in accordance with my frequent purchases which makes absolute no sense because I had not even used that card for almost a year and the last thing I did was pay my balance. I made a purchase online of an XXXX which would not be related to anything that was fraudulently bought! I tried to contact Bank of America again and they did not provide me with any solution, I asked them to escalate and investiga properly because their reason so denying my dispute is not valid and I should not be help responsible for this. It seems as if they don't even do a proper investigation and just say none sense to get away from it. Noone provides a solution to this in Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
My inquiry deals with a suspectedpredatoryloan I got through Santander Consumer USA ( financer ) and XXXX XXXX ( dealership ) in XX/XX/XXXX. I have a 72 month contract financed at 21.04 % for a XXXX XXXX XXXX. I'd roughly pay {$760.00} per month. My father co-signed the loan with me, I traded in a car that was being financed through XXXX that the dealer ( XXXX XXXX ) said they would pay off ( not true in the slightestsince the balance owed was added to my contract ) and I receiveda rebate of {$4000.00} since they were making room for newer models. 
At contract signing, principal was {$30000.00} and at present principal is {$23000.00}. To date, I've made {$25000.00} worth of payments includingmiscellaneousfees. Only {$7000.00} of that has been applied towards principal. My father filed for bankruptcy earlier this year and since then, I have been denied access to my loan account by Santander, the loan has been removed from my credit profiles along with payment history by Santander and my account is ineligible for assistance due to the co-signer filing for bankruptcy.A class action lawsuit was settled by Santander in XX/XX/XXXX and it alleges Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. I fall into this demographic but Missouri was not apart of the 34 state AGs that brought on the suit.

Company response to consumer: Closed with explanation