BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
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: Information belongs to someone else

Complaint:
I have attempted to remove two accounts off of my credit two times via certified mail. XXXX, Experian and XXXX  have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.

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 2021-05-07
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened an account with XXXX under my name without my knowledge. The account was placed in collections about eight months ago, balance owed XXXX. I filed a dispute with the three credit reporting agencies and the collection was removed from all three ( XXXX was removed XX/XX/XXXX ). 

First notification of this debt was received from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) Second notification was from XXXX XXXX ( XX/XX/XXXX ) Third notification received from Afni ( XX/XX/XXXX ) I dont understand how the same debt can be handled by three different collection agencies nor do I understand or think its fair that every time I fight to have the debt removed it is given to a different collection agency and the process starts all over again. 

This is an absolute violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Transfinancial Companies, Inc
State: LA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any status are investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I closed my citi priority checking account in XX/XX/2020 XXXX confirmation received and online access to that account was no longer available ). However, I keep on receiving mails claiming that I owe Citibank monthly service fees and overdraft fees.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: NY
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:
The following late payments are billing errors pursuant to 15 USC 1666b.

Under the GLB Act of 1999 nonpublic information such as late payments shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802 --

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 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BANK OF AMERICA - Account is not mine. No knowledge of it, no legal obligation for it and no information as to its origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: DISCOVER BANK
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
i have contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize

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 2021-06-10
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEQUIOA FINANCIAL SERVICES XXXX - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete.. 

SEQUIOA FINANCIAL SERVICES XXXX - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete. 

SEQUIOA FINANCIAL SERVICES XXXX- Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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 belongs to someone else

Complaint:
I have been disputing one account that is on my credit report for Experian and XXXX and I have been getting nothing back regarding this. This one account is not mine!!!!! I have not even owned a card like this used or signed for any cards like this I need help I have filed FTC I have called the furnisher and the bureaus but to no avail please help this is ridiculous. 

XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$17000.00}

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 explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: WA
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 went through a hardship after I XXXX  from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX  to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX  XXXX is showing several late payments for my account at Experian, XXXX, XXXX  before selling the loan to a different lender.

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 2015-10-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I BROUGHT A BRAIN ENHANCER ONLINE AND XXXX $ CAME OUT MY ACCOUNT 3 DAYS LATER THE SAME PEOPLE TOOK OUT XXXX BUCKS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
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 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 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 2023-05-06
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 account # 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 state a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of  the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from my credit report. 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 non-monetary relief
Consumer complaint received 2021-10-22
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : I have tried now for almost 3 months to receive a call back from my account manager XXXX XXXX Phone Number : XXXX Ext. XXXX To discuss the error billing on my account.They continue to change my payment amount from {$1800.00} to {$2200.00} Ive advised its not correct to no avail, that was my payment prior to my loan transfer..I was behind on my mortgage from XX/XX/2021 to XX/XX/2021 for a total of {$7500.00} Ive made a total of 4 payments for {$1800.00} x 4 = XXXX, XXXX I can supply proof if needed from bank statement. 

They continue to insist that Im paying the wrong amount so Im tact Im no longer behind Im only due for my XX/XX/2021 payment.. 

This company is very difficult to deal with and no one unfortunately has a the skills to help properly..Its a simple math! I am desperate for help as this is a serious situation & I cant seem to get help.. 
Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
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 status incorrect

Complaint:
late payment reported XX/XX/XXXX on XX/XX/XXXX my due date was changed to the XXXX for the next three payments I called on XX/XX/XXXX to ask if i can make the payment on XX/XX/XXXX without any negative reporting and i was assured i could and we scheduled it coaf rep gave approval and i relied on that information

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 2020-07-15
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: Information belongs to someone else

Complaint:
I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Emerald AR Systems, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a member of XXXX and not supposed to be billed for medical bills covered by XXXX or  deductibles. XXXX XXXX billed me for {$43.00} and I explained this to them. I gave them both my XXXX  and XXXX   information. They sent me to collections with Emerald AR Systems. I contacted XXXX at Emerald AR Systems on XX/XX/2020 and explained I was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Final email was on Mon, XX/XX/XXXX, XXXX XXXX. 

Cardinal Financial had reached out to my CPA with me unaware. Cardinal Financial asked my CPA to write a " comfort letter ''. Cardinal Financial will not accept tax returns or 1099 's or W2 as proof of income for a sole proprietor. My CPA told Cardinal Financial that would NOT write them or any mortgage lender a " comfort letter ''. CPA firm contends they file my taxes as truthful and honest and signs the tax returns. This is proof enough that the income on tax forms is correct. 
With that being said, Cardinal Financial tried selling us a more expensive mortgage. So I had to rescind our loan process. I asked for my cost of appraisal back and they agreed only if I would sign a 6 page gag order settlement ( which I can share ). I refused because I saw on this site they had 20 calendar days to reimburse all cost associated with getting the loan.So low and behold after I let them know of this my money was refunded in about 5 business day. Without signing the gag order settlement! 
Now, I have asked Cardinal Financial to reimburse me {$350.00} which is the amount my CPA charged me for having to deal with Cardinal Financial. Cardinal Financial has  denied my claim for {$350.00}. I am only asking them to reimburse me the XXXX. 
My contention is that the {$350.00} was part of the cost of securing the refinance we were after and which we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a new account added to my credit report that I have no knowledge about. I have never received any correspondence to dispute the debt and I do not owe the debt. I have not signed any contract pretaining to this debt with the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2020-09-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I have been having an issue with XXXX in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

Santander Consumer USA Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. 
I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Synchrony failed to mail my vehicle title XXXX XXXX title # XXXX for almost a year. Now my vehicle title is listed by XXXX XXXX XXXX " electronic with a lien '' and unable to obtain. Loan was paid in XX/XX/XXXX. Additionally XXXX rep on the phone was unprofessional, combatant and disrespectful. He failed to address my issue.

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 2023-05-30
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: Account information incorrect

Complaint:
I have been going back and forth with Experian to correct my consumer report and they have failed to properly investigate and correct the information. I have disputed late payments that I was never late on and now they are refusing to re-investigate. Me as the consumer has the right to have my report re-investigated any time I see incorrect information. I have never been late on the attached accounts and I am requesting to have these corrected.

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 2020-07-15
Company: E*TRADE BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been unable to withdraw cash at ATMs with my debit card or get cash back at the Point-of Sale ( Tried to withdraw cash on Friday XX/XX/XXXX ). I tried to call the bank on XX/XX/XXXX but the wait time was more than one hour, I gave up. Tried to call them today XX/XX/XXXX, have been on hold for over an hour, still no response. Tried their chat today, wait time indicator says 140 minutes. I also sent a message on XX/XX/XXXX via the secured message center on the Etrade mobile App. As of of XX/XX/XXXX, I still haven't heard back from Etrade via the secured message center. Etrade seems completely unresponsive to customers.

Company response to consumer: Closed with explanation