BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/2022

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 2020-10-09
Company: EQUIFAX, INC.
State: GA
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Inaccurate XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Inaccurate XXXX  XXXX Inaccurate XXXX  XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.

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 2022-02-15
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-07-12
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX, I opened a CareCredit account backed by Synchrony Bank. I did this at a XXXX  office. It was on a promotional offer for 0 % interest for 18 months. I ca n't see the original amount because my online statements only go back 12 months. <P/>I immediately went home and called CareCredit. I informed the rep that I wanted to configure my payment account to automatically pay it off on time. I told the rep I have money and I do n't need credit and the only reason I took this account is because it 's free. I asked the rep " So on XX/XX/XXXX, this will be paid in full with a balance of {$0.00}, right? And the total lifetime fees and interest will be {$0.00}, right? '' and the rep confirmed my calculations that yes it is as I said. <P/>Over time, I saw the monthly payment amount being automatically calculated, and reducing as the balance was reduced. So I thought that meant everything was on plan according to the rep 's instructions. <P/>Now I see that it was n't so, and I am joining the legion of people on this site who were misinformed in a predatory bait-and-switch effect. In XX/XX/XXXX, CareCredit instantly charged me all the retroactive {$890.00} in interest plus about $ XXXX/mo ongoing interest, putting my balance back up to almost its original amount, as if I effectively have to pay my medical bills twice. <P/>I just now found this out in XX/XX/XXXX because I thought the balance had been completed. The online statement history only goes back 12 months! So I called CareCredit on the phone and even the manager was belligerent and rude, as so many people have said on this site. He told me six times that I had configured my account wrongly and told me what I should have typed in, and that there 's nothing they can do. I asked him to quit repeating that, and tell me who I can escalate to -- so he repeated it again and again. I received not one single concession, no path of escalation, no recourse, not one word of options -- just blame. <P/>I have never dealt with a credit card company that 's this obstinate, and with such a losing attitude. I escalated again, but I do n't expect to be called back or to be given any options at all. <P/>The account has never been late or had fees other than interest, and everything has always been " paid as agreed '' status. The current balance is {$1900.00}.

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 2017-12-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Earlier this year XXXX XXXX XXXX, I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous of letters stating facts of accounts on my credit report that are reporting incorrectly or cant be verified.

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 2019-10-09
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Yesterday, while looking at my credit report, I saw a hard inquiry by XXXX and when. Selling, they told me the hard inquiry ( which substantially lowers credit score! ) was done by XXXX XXXX? 
I called XXXX and, I knew they had no permissible reason for doing a hard inquiry as I Pay on time in full since my 1st payment in XX/XX/2016! XXXX XXXX said they did not do it and they expedited the b investigation and called me as they said they would but now I cant get in contact with XXXX  where I was part of the hackiNg.

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 2019-05-25
Company: Experian Information Solutions Inc.
State: AL
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:
The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
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 2021-09-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
debt bought by a 3rd party seller and have been calling my phone non-stop all times of the day from different numbers trying to collect on a debt.

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 2020-12-18
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC # XXXX have filed an ID theft report over this account, please see the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a disagreement with the practice Santander USA has manage this loan account from XXXX  to XXXX. 

The original lender of this account was XXXX XXXX XX/XX/XXXX 

XXXX XXXX XX/XX/XXXX gave it to XXXX XXXX, XXXX XXXX gave it to Santander USA in XXXX. 

Santander USA claims it was manage my loan account since XXXX, which is false, they know it, I know it. 


I calculated {$550.00} a month x 10 years which equal to {$66000.00} I pay on this loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: AES/PHEAA
State: FL
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:
MyFedLoan student loan servicer failed to properly recertify my income based repayment plan on an annual basis. I submitted all materials requested prior to the deadline in XXXX 2017, however this incompetent servicer not only removed me from the income driven repayment plan, but capitalized about {$10000.00} in interest because of this. This is the second year they did this. That is unacceptable. I contacted the company who told me to put a stop on the payment at the bank, while they have me yet again resubmit certification, stating I did not submit on time, despite the fact I uploaded all their documents requested on their own website well within time, yet they send me a letter it was not completed which I am attaching. They continue to not take responsibility and make excuses for their utter failure to do a simple job. They have refused to correct the capitalization problem, which is criminal given the error is on their part and they are breaking a contract and federal laws, and highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX  That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2017-12-30
Company: On-Site Manager, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I was recently denied an application at XXXX XXXX in XXXX. They used a rental check service from http : //www.on-site.com/renter-relations/. Their website claims that renters can obtain a free rental report by submitting a form on their website. I have submitted a request on XXXX XXXX and XXXX. I have not received any form of communication relating to my rental report. 

I have tried using their live chat who said that they could n't help and recommended that I call their phone lines. I called their phone lines and have waited over 45 minutes 3  times without getting anyone on the phone. This company has given me a XXXX rental rating which in turn is making it hard for me to apply to apartments. There is no way for me to communicate with them to see what is on my rental report so I have a chance to dispute if there are any inaccurate reporting. 

I have attached email confirmation of my request for rental reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I just uncovered that my mortgage company Carrington Mortgage, LLC has taken advantage of my disability and ability to financially understand the documents for my re-modification during my hardship. It looks like they have deferred the same full amount of my principal balance of my loan. So no I Carrington double the value of home is worth. My outstanding loan is higher then the worth of the home. No did not take out a second mortgage. I can not an answer from anyone other than I signed the documents in 2019 when I modified. I feel they took advantage of me as well as those companies I tried to seek professional help, paid money and never fully followed through the modification. My disability has hindered my life a great deal in managing important things not to mention being a single parent of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX  XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made 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 2022-10-04
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had an account with peoples back which has changed to M & T We had bought checks for around XXXX $ worth After the merger/acquisition, the past checks will be valid only until XXXX. 
When we asked the branch if they would replace our checks, we were told that we could just use our checks completely ignoring our request. This ignores that our checks will not be valid in some weeks. 
This is just an extra fee and extraction from the back. 
We will try asking the branch again ( we dont have much hope though ) Hoping that your organization can make this right to all this banks customers. 
Best

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 2017-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
Inquiries have been showing up on my credit file that I have not authorized. I have contacted every single company listed and not one has removed them from my credit reports. I have been a victim of identity theft and want them removed so I contacted the credit bureaus directly and they have yet to remove them. Please help me. My credit is ruined do to this and I am in need of help with this situation. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX, XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX14. XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX, XX/XX/XXXX 17. XXXX XXXXXX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 23. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 explanation